vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-05-09 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: GA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: NY

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
XXXX XXXX ( XXXX XXXX ) Account # XXXX * * * * This account is reported only on TransUnion and appears to originate from 2019. It may exceed the XXXX reporting limit under FCRA 605 ( a ). Please confirm the delinquency date and remove if applicable.

This entry is negatively affecting my creditworthiness. Please conduct a full reinvestigation under the Fair Credit Reporting Act ( FCRA ) and either correct or delete the item as necessary. I am requesting this under FCRA 611. 

TRANSWORLD ( XXXX XXXX ) Account # XXXX * * This collection shows discrepancies in open/closed status and last update dates across bureaus. I request verification under FCRA 609. If the account is unverifiable or inaccurate, it must be removed. 
This entry is negatively affecting my creditworthiness. Please conduct a full reinvestigation under the Fair Credit Reporting Act ( FCRA ) and either correct or delete the item as necessary. I am requesting this under FCRA 611. 

XXXX XXXX, XXXX. 

Experian and TransUnion report this account as open and unpaid ; Equifax shows it as paid.- Under FCRA 607 ( b ), data furnishers and CRAs must maintain accurate and consistent records.Please reinvestigate and verify this item. If XXXX  is correct, XXXX  and XXXX  must reflect the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-10 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: TX

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 non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-05-09 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: EQUIFAX, INC.

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX ( XXXX ) XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX ( MOHELA ) XXXX XXXX XXXX XXXX, MO XXXX Subject : Formal Dispute and Complaint Regarding Misuse and Potential Unlawful Conduct To Whom It May Concern, I am writing to formally dispute and express my deep concerns regarding MOHELAs handling of my federal student loan account, as well as to raise serious questions about practices that may constitute a violation of consumer financial protection laws.

It has come to my attention that MOHELA may be engaging in potentially unlawful practices, including requiring borrowers to waive legal rights and remedies through terms imposed on a website co-branded with the U.S. Department of Educations Office of Federal Student Aid ( https : //mohela.studentaid.gov ). This raises grave legal and ethical concerns, especially in the context of a federal contractor operating under the guise of a government-backed service platform.

Further, MOHELA has demonstrated a troubling pattern of service failures, including but not limited to : Refusal to process borrower applications and requests in a timely and transparent manner ; Inadequate and misleading communication regarding repayment plans and loan statuses ; Use of confusing and coercive language to limit borrower rights ; Bullying tactics that exploit MOHELAs position of authority over financially vulnerable borrowers. 

This conduct appears not only unethical but potentially in violation of federal consumer protection laws. I request that this letter serve as a formal dispute of any actions taken on my account that resulted from such mismanagement. I also request : A complete review of my loan account ; An itemized explanation of any recent changes or transactions ; Written assurance that MOHELA will not enforce any illegal or misleading waiver of borrower rights ; That this dispute be recorded in my account records. 

I am also submitting a copy of this letter to the Consumer Financial Protection Bureau ( CFPB ) and the Department of Education for investigation. 

I expect a written response to this complaint within 30 days as required under applicable laws. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
ALDOUS AND ASSOCIATES is asserting a claim of {$130.00} for a gym membership that was previously confirmed as canceled and closed. Despite providing them with a statement, bank account information, and disputing the charge on my credit account, they persist in updating it across all three credit bureaus and refuse to remove it. I am even considering paying the amount, as it is not significant, to resolve the issue on my credit report. However, I am skeptical that paying in full would lead to its removal. They have also intentionally misrepresented the debt as a credit card to negatively impact my credit, which I believe is unethical and potentially illegal. 

ALDOUS AND ASSOCIATES XXXX XXXX  XXXX XXXX, UT XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-10 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: TN

Complaint narrative:
I contacted all collections account companies and informed them these accounts are not accurate and must be deleted immediately as a federal protected consumer under FCRA, ECOA, TILA, HJR-192 no repsonse was giving back to me after the 21 day mark and I need these accounts listed to handle according to law thank you. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX [ XXXX ] [ XX/XX/XXXX ] Experian XXXX XXXXXXXX XXXX XXXX, TX XXXX TransUnion XXXX. XXXX XXXX XXXX, PA XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Charge-Off Accounts Dear Sir or Madam, I am writing to formally dispute the reporting of certain accounts on my credit report under the Fair Credit Reporting Act ( FCRA ) and other relevant laws. My name is XXXX XXXX XXXX, born on XX/XX/XXXX, and I reside at XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX. My social security number is XXXX ( include your SSN only if necessary and do not disclose it in public correspondence ). 

The credit reporting agencies Experian, TransUnion, and Equifax have reported charge-off accounts which I believe are inaccurate and do not reflect my current credit standing. Under the Truth in Lending Act ( TILA ), Fair Credit Reporting Act ( FCRA ), Equal Credit Opportunity Act ( ECOA ), and specifically according to 15 USC 1666b, charge-off accounts are to be considered certificates of indebtedness and should be removed if they can not be verified as accurate. 

I am disputing the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that you conduct a thorough investigation into these accounts and provide me with the results according to the stipulations set forth by the FCRA. Furthermore, I request that you delete these inaccurate accounts from my credit report immediately upon determining they can not be validated. 


I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and inform me of the outcome of your investigation at your earliest convenience. You XXXX contact me at my phone number or email address listed above for any further information required. 

Thank you for your cooperation. 

Sincerely, 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 2025-05-10 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I contacted all collections account companies and informed them these accounts are not accurate and must be deleted immediately as a federal protected consumer under FCRA, ECOA, TILA, HJR-192 no repsonse was giving back to me after the 21 day mark and I need these accounts listed to handle according to law thank you. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX [ XXXX ] [ XX/XX/XXXX ] Experian XXXX XXXXXXXX XXXX XXXX, TX XXXX TransUnion XXXX. XXXX XXXX XXXX, PA XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Charge-Off Accounts Dear Sir or Madam, I am writing to formally dispute the reporting of certain accounts on my credit report under the Fair Credit Reporting Act ( FCRA ) and other relevant laws. My name is XXXX XXXX XXXX, born on XX/XX/XXXX, and I reside at XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX. My social security number is XXXX ( include your SSN only if necessary and do not disclose it in public correspondence ). 

The credit reporting agencies Experian, TransUnion, and Equifax have reported charge-off accounts which I believe are inaccurate and do not reflect my current credit standing. Under the Truth in Lending Act ( TILA ), Fair Credit Reporting Act ( FCRA ), Equal Credit Opportunity Act ( ECOA ), and specifically according to 15 USC 1666b, charge-off accounts are to be considered certificates of indebtedness and should be removed if they can not be verified as accurate. 

I am disputing the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that you conduct a thorough investigation into these accounts and provide me with the results according to the stipulations set forth by the FCRA. Furthermore, I request that you delete these inaccurate accounts from my credit report immediately upon determining they can not be validated. 


I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and inform me of the outcome of your investigation at your earliest convenience. You XXXX contact me at my phone number or email address listed above for any further information required. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 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: TX

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 non-monetary relief
Consumer complaint received 2025-05-09 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: DISCOVER BANK
State: WA

Complaint narrative:
On or about XX/XX/XXXX, a hard inquiry from Discover Financial Services appeared on my credit report, which is currently listed on XXXX and scheduled to remain until XX/XX/XXXX. I have not applied for any Discover credit product, account, or service around that date and did not authorize any inquiry that would lawfully permit Discover Financial Services to access my credit file. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, access to a consumers credit report is strictly limited to specific permissible purposes, which include explicit consumer consent and verified business needs. I have no existing application, request, or relationship with Discover that would have warranted this hard inquiry. 

To date, I have received no communication from Discover Financial Services regarding this inquiry, and I dispute its validity as unauthorized access to my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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