vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I never received my signed signature, original contract, or any information about the accounts below that are inaccurately reporting as a debt per my request. These accounts are deceptive, misleading and fraudulent. 12 CFR 1006.6C Please stop calling me before XXXX and after XXXX. Cease and desist. The below account are being reported without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

Credit Account - Closed Other XXXX XXXXXXXX XXXX XXXX Credit Account - Closed Other XXXX XXXX XXXX XXXX Credit Account - Closed Other XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Aldous & Associates, PLLC
State: WI

Complaint narrative:
I previously filed a complaint against Aldous & Associates regarding an alleged debt I do not owe, explaining that I never used the service and refuse to pay. I also formally requested that they cease all contact with me, as is my right under the Fair Debt Collection Practices Act. However, their response was unsatisfactory as they stated they would be sending me a letter, ignoring my cease contact request and continuing unwanted communication. This violates my rights under the FDCPA and constitutes harassment. I am requesting that Aldous & Associates immediately cease all contact with me, including mail, and if they believe the debt is valid, they must provide proper validation instead of ignoring my dispute. If they continue to contact me despite my request, I ask for this to be investigated as a violation of the FDCPA. For reference, my previous complaint was filed under case number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The credit bureaus reported a data breach that allowed my credit info to be accessed.

Exquifax and Experian

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
I would like all late payments & inquiries  removed etc

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Thank you for your update regarding my complaint. While I acknowledge that the account has been marked as closed, my request was for its complete removal from my credit report, as the information is inaccurate and negatively impacting my credit score. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that is inaccurate, incomplete, or unverifiable. Since this account should not be reported, I am requesting its immediate deletion from all three credit bureaus ( Experian, Equifax, and TransUnion ).

Please provide confirmation of the removal or clarification on the next steps to resolve this matter promptly. I appreciate your cooperation and look forward to your timely response. 

Best regards, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Thank you for your update regarding my complaint. While I acknowledge that the account has been marked as closed, my request was for its complete removal from my credit report, as the information is inaccurate and negatively impacting my credit score. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that is inaccurate, incomplete, or unverifiable. Since this account should not be reported, I am requesting its immediate deletion from all three credit bureaus ( Experian, Equifax, and TransUnion ).

Please provide confirmation of the removal or clarification on the next steps to resolve this matter promptly. I appreciate your cooperation and look forward to your timely response. 

Best regards, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My information was leaked in a data breach of some kind, I've received two payments for said breach in the amount of {$100.00}. The first payment was for {$30.00} & second payment was for {$70.00}. Now my credit score and report is destroyed from this breach I can't start my own business and or make personal credit purchase without paying high interest. 
Was this purposely done to me to keep me paying high interest because I'm XXXX or was it to keep me away from the XXXX  dream of homeownership and starting a home based business. 
They leaked my information gave me {$100.00}, but I pay XXXX XXXX XXXXXXXX in high interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ny XXXX XXXX XXXX XX/XX/XXXX * Early Warning Services , LLC * Attn : Consumer Services * XXXX XXXX XXXX XXXX * XXXX, AZ XXXX Request to remove accounts from XXXX XXXX Dear Early Warnings I am writing to formally dispute the accounts listed on my credit report associated with my name, XXXX XXXX XXXX XXXX : XXXX ). I have previously sent multiple letters requesting proof of documentation for these accounts, specifically regarding the following : XXXX XXXX XXXX Account # XXXX Open Date : XX/XX/XXXX As per the Fair Credit Reporting Act, I have the right to request and receive verification of any debt reported on my credit report. To date, I have not received any proof or documentation supporting the validity of these accounts. 

Therefore, I request that these accounts be removed from my credit report immediately upon your receipt of this letter, as you are required to provide proof of the debt, which has not been furnished. 

Please investigate this matter and provide me with a written response regarding the removal of these accounts. If no documentation is provided to substantiate these debts, I expect these entries to be deleted from my credit report promptly. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX partial account number XXXX : Formal Dispute of Inaccurate Reporting Request for Removal, 1099-C Issuance, and Cease-and-Desist Notice Account Numbers : XXXXXXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of the above-referenced accounts and to demand immediate corrective action pursuant to federal consumer protection laws, including but not limited to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. 1. Dispute of Account Reporting The accounts listed above have been reported as written off as profit/loss ( charge-off ). However, I have identified that these accounts are being repeatedly reported as new charge-offs with an outstanding balance, despite being previously written off. This constitutes inaccurate and misleading reporting in violation of the FCRA, specifically : 15 U.S.C. 1681e ( b ) : Duty to ensure maximum possible accuracy of information. 15 U.S.C. 1681s-2 ( b ) : Duty to investigate disputes regarding furnished information. By continuing to report these accounts inaccurately, XXXX XXXX XXXX XXXX is damaging my creditworthiness, resulting in defamation of character and material harm to my financial reputation. 2. Request for 1099-C Issuance As these accounts have been charged off, I am requesting that you provide a copy of the IRS Form 1099-C ( Cancellation of Debt ) for each account. The issuance of this form is required when a debt is canceled or written off and no longer collectible. Failure to provide this required documentation further demonstrates non-compliance with applicable consumer protection laws. 3. Cease-and-Desist Notification Under the FDCPA, 15 U.S.C. 1692c ( c ), this letter serves as a formal cease-and-desist notice regarding all collection efforts related to these accounts. You are instructed to cease all forms of communication with me, including but not limited to phone calls, emails, or letters, regarding these accounts. 4. Demand for Resolution To resolve this matter, I demand the following actions be taken within XXXX houses after receiving : Immediately Delete and remove the XXXX XXXX XXXX XXXX partial account number # XXXX from all credit reporting agencies. Provide a copy of the IRS Form 1099-C for the cancellation of each account, if applicable. Confirm in writing that you have ceased all collection activities and communications related to this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MN

Complaint narrative:
I have two student loans under MOHELA, a direct subsidized loan of {$3500.00}, and a direct unsubsidized loan of {$1100.00} ( at the time of me attempting to pay the loan off ). I sent a payment of {$4700.00} ( the full amount to pay off both loans ) through an online bank transfer to MOHELA on XX/XX/year> with allocation to pay off both loans in their entirety. While the money was initially shown as in processing for a day or two there is now no sign that the money was received by MOHELA at all in my account, even though their website indicates it would take only a few business days to process. There is no recent payment history about the transfer in my account portal, and my unsubsidized loan is still accruing interest.

I've also made two other smaller transactions of {$1.00} to test their system and these amounts have been posted to my account. 

I've contacted MOHELA multiple times through their messaging service ( with no response ), and I've called multiple times. After being put on hold for hours over multiple calls, the representatives either claimed to not have the ability to look at my account because they were trainees or they claimed that they couldn't verify the exact amounts they had received. I also contacted the department of student federal aid but so far they have been of no help. At this point it has been over a month and a half ( XX/XX/year> ) and while the money has long since gone from my debit account I still have active loans on all my records.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are several inaccuracies that persist on my credit report despite your prior investigation. These erroneous items are negatively impacting my credit standing, which consequently affects my ability to secure favorable credit terms. 

Here are the specific items in contention : XXXX. XXXX XXXX XXXXXXXX is reporting various dates of last payment across the different bureaus as well as different dates of last activities. 

XXXXXXXX XXXX is reporting various dates of last activity and some are reporting dates of last payment while others are not. 

I kindly request an immediate re-investigation of these matters, and urge you to rectify any errors as soon as possible. 

In adherence to the Fair Credit Reporting Act ( FCRA ), Public Law 91-508, Title VI, Section 611, Subsections A-D, I am requesting disclosure of the names and business addresses of all parties who have verified these contested items. This will allow me to follow up directly with them if necessary. 

Upon completion of your re-investigation and any resulting modifications to my credit report, kindly forward an updated copy to my address listed above. 

The FCRA mandates that all disputed information that can not be verified must be promptly removed from my credit report. It also permits me to seek damages in court if you fail to comply with federal law. 

I appreciate your swift and cooperative response to rectify this situation. It is my hope that we can resolve this issue amicably and in accordance with federal regulations. 

Thank you in advance for your immediate attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are several inaccuracies that persist on my credit report despite your prior investigation. These erroneous items are negatively impacting my credit standing, which consequently affects my ability to secure favorable credit terms. 

Here are the specific items in contention : XXXX. XXXX XXXX XXXXXXXX is reporting various dates of last payment across the different bureaus as well as different dates of last activities. 

XXXXXXXX XXXX is reporting various dates of last activity and some are reporting dates of last payment while others are not. 

I kindly request an immediate re-investigation of these matters, and urge you to rectify any errors as soon as possible. 

In adherence to the Fair Credit Reporting Act ( FCRA ), Public Law 91-508, Title VI, Section 611, Subsections A-D, I am requesting disclosure of the names and business addresses of all parties who have verified these contested items. This will allow me to follow up directly with them if necessary. 

Upon completion of your re-investigation and any resulting modifications to my credit report, kindly forward an updated copy to my address listed above. 

The FCRA mandates that all disputed information that can not be verified must be promptly removed from my credit report. It also permits me to seek damages in court if you fail to comply with federal law. 

I appreciate your swift and cooperative response to rectify this situation. It is my hope that we can resolve this issue amicably and in accordance with federal regulations. 

Thank you in advance for your immediate attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I am XXXXXXXX XXXX XXXX XXXX  concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They XXXX me that to vering lost XXXXXXXX XXXX XXXX XXXXmpossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of times and recording discrepancies, my financial institution in Zelle failed to investigate my claims adequately. They informed me that the recovering loss funds was impossible and that tracking these transactions is unfeasible. The CFPBs findings indicate that not only Zelle has neglected to protect customers, but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scam. This lack of accountability and transparency is unacceptable and raises serious concerns about customer safety.

Company response to consumer: Closed with explanation