vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-13 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: RI

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal infomation made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Hello and good day! I am deeply concerned about the erroneous information appearing on my credit report. This situation is incredibly troubling, as these inaccuracies are jeopardizing my financial freedom and hindering my ability to make progress toward my goals. My credit applications are being rejected because of these errors, causing me significant stress and frustration.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Multiple incorrect mailing address, employer, date of birthday and names are being reported on my credit report. I have reached out to Experian, XXXX XXXX XXXX several times over the last 3 years to have my report corrected with no correction. These errors are hurting my credit file and prohibiting me from purchasing property and receive loans for my business because they are linked to accounts that are fraudulent and not associated with myself.

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 2025-01-13 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: TX

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX XXXX that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-01-13 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally dispute certain accounts and inquiries listed on my consumer credit report, which I believe result from a data breach, fraud, or unauthorized activity. I request that you provide verifiable proof, including my signature or electronic signature, for any reported accounts or inquiries. This letter is submitted by me personally, not by a third party, and I ask that you review it carefully. 

I did not authorize any actions related to these accounts or inquiries, and I believe these actions violate my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, Section 605B requires the blocking of information resulting from a data breach or fraud [ 15 U.S.C. 1681c-2 ], and Section 604 defines permissible purposes for consumer reports [ 15 U.S.C. 1681b ]. 

Upon contacting the companies reporting these accounts, I found that these actions were initiated without proper validation or original documentation from the reporting entities. Since I never authorized these accounts or inquiries, they are inaccurate and must be treated as the result of either a data breach or improper reporting by creditors or third-party data furnishers. 

I request that you thoroughly investigate these items and remove them from my credit report. If you are unable to provide the requested proof of authorization, I expect these entries to be corrected in accordance with the law. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: LA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 2025-01-13 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX XXXX XXXX Account number : XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Collection/Charge Off XXXX  - XXXX - {$0.00} XXXX XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX XXXX - XXXX - {$1300.00} XXXX XXXX - XXXX - {$540.00} XXXX XXXX  - XXXX - {$0.00} XXXX  - XXXX - {$580.00} XXXX XXXX XXXX - XXXX - {$7300.00} XXXX  - XXXX XXXX {$1300.00} XXXX  - XXXX - {$7300.00} Late Payment XXXX XXXX XXXXXXXX - {$0.00} XXXX XXXX XXXXXXXX - {$0.00} Bankruptcy XXXX  XXXX Bankruptcy - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: OK

Complaint narrative:
Account number # XXXX with LVNV FUNDING LLC as shown on XXXX. 
I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: U.S. BANCORP
State: WV

Complaint narrative:
On My credit report from XXXX XXXX, XXXX Account Name Elan Fincancial Services Account Number : XXXX  Status Account charged off. {$1900.00} written off. {$2300.00} past due as of XX/XX/XXXX. 
The Credit never send a 1099-c in XXXX and has be misreporting to the credit bureaus and agencies. 
I Send a certified letter on XXXX XXXX and it was delivery on XX/XX/XXXX, XXXX : Elan Financial Service XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I am requesting a copy of a 1099-C that I did not receive for XXXX. 

Sincersly, 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 explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Lendmark Financial Services
State: GA

Complaint narrative:
After extensive research found that lendmark financial securitized my promissary note without my knowledge entering me into a investment contract required a down payment in cash mixed with a consumer credit transaction refused to allow me to recind the fraudulent contract with them and are using sub par lending practices to defraud me of my right to rescission they endorsed my promissary note received payment for the product and entered me into a retail installment contract they are in clear violation of the equal credit protection act the federal reserve act and consumer protection act which are all codified under title 15 of united states code and ucc laws as well as hjr 192/ public law 73-10

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-01-13 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:
I am writing to formally dispute the inaccurate and inconsistent information being reported regarding XXXX accounton my credit report. Specifically, I am referring to thepayment historyfor the months XXXX XXXX through XX/XX/XXXX, and the subsequentcharge-XXXX XXXX. 
The payment history is incorrect and inconsistent across the months in question. My credit report shows the following : XX/XX/XXXX : Reported as30 days late XX/XX/XXXX : Reported as60 days late XX/XX/XXXX : Reported as90 days late XX/XX/XXXX : Reported as90 days late XX/XX/XXXX : Accountcharged off 1.Account name : XXXX XXXX XXXX XXXX Balance {$0.00} Original balance {$25000.00} This reporting is inconsistent and fails to align with my actual payment history for those months. The errors in reporting have had a direct and negative impact on my credit score, and I am demanding that this inaccurate information be investigated and corrected. 
Furthermore, I am aware of ongoing legal action againstExperianfor its failure to properly investigate and address disputes. As you are aware, under theFair Credit Reporting Act ( FCRA ), the credit bureaus are required to investigate any dispute promptly and accurately.Experianhas failed to fulfill its duties in past investigations, In light of this, I demand that youimmediately remove this account from my credit reportdue to theinaccurate and inconsistent reporting. Under the FCRA, you are obligated to ensure that all information on my credit report is accurate, and you are not allowed to report misleading or erroneous data. If this matter is not resolved satisfactorily, I will not hesitate to take further action, including seeking legal remedies for the violation of my rights under the FCRA. 
Please confirm in writing that this account has been deleted I look forward to your prompt attention to this matter. Thank you for your cooperation in ensuring that my credit report accurately reflects my payment history.

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 2025-01-13 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: IL

Complaint narrative:
There Are Unauthorized Accounts On My Credit Report XXXX XXXX XXXX ( {$5100.00} ) XXXX  ( {$8000.00} ) XXXX XXXX XXXX ( {$4200.00} ) XXXX XXXX XXXX ( {$11000.00} ) DeptedXXXX ( {$4000.00} )

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 2025-01-13 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: NY

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: CA

Complaint narrative:
According to the IRS an unpaid charge off is income and accerding to the FCRA income can not be reported on a credit report. I'm requesting a 1099-C ( Cancellation of Debt ) from the following charged off accounts isted below XXXX XXXX XXXX XXXXXXXX After checking my most current report the updated information stated the account was purchased by XXXX XXXX XXXX this account can not be reported as a charge off on my credit report if the account was sold to another lender. Please send the 1099 C form

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: IL

Complaint narrative:
MOHELA has failed to put my loans in a 60-day processing forbearance while reviewing my IDR application. I was previously enrolled in SAVE, and in XX/XX/year> my loans were placed in a forbearance ineligible for PSLF. On XX/XX/year> I submitted an IDR application, requesting to be removed from the SAVE forbearance immediately ; MOHELA never acknowledged or took any action that application. On XX/XX/year>, I submitted another IDR application, for PAYE, and again requested my loans be taken out of the SAVE forbearance. Shortly thereafter, MOHELA acknowledged receipt of my PAYE application but did not change the status of my loans, which remained in the SAVE-related forbearance. On XX/XX/year>, I called MOHELA to ask about the status of my PAYE application; the representative I spoke with told me that MOHELA is backlogged and would need more time to process it. But my loans are still sitting in the SAVE-related forbearance. It has now been nearly two months since I first submitted a new IDR application and requested to be taken out of the SAVE forbearance, and Mohela has neither processed my application nor placed me in a PSLF-eligible forbearance while it take the additional time to process it and issue me a bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: FL

Complaint narrative:
Mohela has continued to charge interest on my account despite my account currently being in forbearance for processing of the SAVE plan. I have continued to be charged interest despite receiving documentation that I should have a 0 % interest rate since XX/XX/year>.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation