vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-24 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: WA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) 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 explanation
Consumer complaint received 2025-03-24 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: WA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) 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 explanation
Consumer complaint received 2025-03-24 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: OH

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-03-24 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: OH

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-03-24 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: IL

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 non-monetary relief
Consumer complaint received 2025-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: NC

Complaint narrative:
" Spring Oaks Capital LLC is reporting an account ( original creditor : XXXX XXXX XXXX XXXX, account number ending XXXX, balance {$1400.00} ) on my credit report. I formally disputed this debt and requested validation in accordance with the FDCPA and FCRA. Spring Oaks Capital LLC has not provided adequate validation, including proof of the original agreement, payment history, or their authority to collect. Without sufficient validation, continuing to report this debt violates federal consumer protection laws. I request this account be immediately removed from my credit reports. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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:
This complaint is executed to dispute and seek immediate correction of inaccuracies reported by the bureaus regarding one account and four hard inquiries that were not authorized by me. 

Specifically, the XXXX XXXX XXXX XXXX XXXX Account Number : XXXX ) was opened on XX/XX/XXXX, as an individual account. The account status is paid and closed, with the status updated in XX/XX/XXXX and on XX/XX/XXXX, multiple unauthorized hard inquiries were made on my credit report, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize these inquiries, nor did I apply for credit with these entities. As a victim of identity theft, I formally request that these fraudulent inquiries and account be removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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:
This complaint is executed to dispute and seek immediate correction of inaccuracies reported by the bureaus regarding one account and four hard inquiries that were not authorized by me. 

Specifically, the XXXX XXXX XXXX XXXX XXXX Account Number : XXXX ) was opened on XX/XX/XXXX, as an individual account. The account status is paid and closed, with the status updated in XX/XX/XXXX and on XX/XX/XXXX, multiple unauthorized hard inquiries were made on my credit report, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize these inquiries, nor did I apply for credit with these entities. As a victim of identity theft, I formally request that these fraudulent inquiries and account be removed from my credit report 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 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
On XX/XX/year>, I approached a private financial group inquiring refinancing my home loan and other debts. I specifically, upon filling out their electronic application, elected for my private information NOT to be sold or passed on to other companies. 

However, shortly thereafter began receiving an exuberant number of calls ( more than 60 per day, plus text messages ) soliciting my business for reasons of taking out loans and reconciling debts.

When I spoke to my private financial group, I was assured that they did not sell my information, however, they were very aware that the major

three credit reporting agencies do, in fact, sell my information anytime a Hard Inquiry is made on my behalf. I find this atrocious that I am taken full advantage of by the same agencies that hold my financial credit future hostage, and now they, in fact, are c
hiefly responsible for leaving me completely vulnerable to Identity Theft, based on their completely negligent business practices ... THS NEEDS TO STOP!!!

Experian Equifax TransUnion

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 2025-03-24 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:
There are unauthorized accounts on my credit report that the CRA 's were notified of for more than a year and they have failed to validate or remove these items. My last dispute letter which is dated and time stamped was sent XX/XX/year> and the one prior was sent on XX/XX/year>. These inaccuracies are seriously damaging my credit rating, and I am requesting an immediate reinvestigation of the following accounts : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Please see the FTC report and the dispute letter and remove these items from my credit report. This is my last complaint before I notify your company 's legal department that I will be seeking litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are unauthorized accounts on my credit report that the CRA 's were notified of for more than a year and they have failed to validate or remove these items. My last dispute letter which is dated and time stamped was sent XX/XX/year> and the one prior was sent on XX/XX/year>. These inaccuracies are seriously damaging my credit rating, and I am requesting an immediate reinvestigation of the following accounts : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Please see the FTC report and the dispute letter and remove these items from my credit report. This is my last complaint before I notify your company 's legal department that I will be seeking 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 2025-03-24 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: AL

Complaint narrative:
I have lost my wallet that included my personal information in there such as my government ID and also my social security car. The negative accounts I have noticed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-03-24 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: AL

Complaint narrative:
I have lost my wallet that included my personal information in there such as my government ID and also my social security car. The negative accounts I have noticed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: IL

Complaint narrative:
- I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: MOHELA
State: OH

Complaint narrative:
On XX/XX/year> MOHELA brought my credit score down XXXX points as of XX/XX/year>. This was supposedly due to a missed payment. MOHELA doesnt allow auto payments on the account and the way the loans are set up are very aggressive. As well as increasing amounts on the loans which again brought down my credit score. My credit score was at XXXX as of XX/XX/year>. Now due to MOHELA making multiple inquiries on my credit report, it is now XXXX as of XX/XX/year>. All negative inquires on my report are from MOHELA. MOHELA itself brought my credit down XXXX due to a missed payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: MI

Complaint narrative:
This company is using predatory behavior, every time I make a payment over the last few months my balance keeps increasing almost doubling. I spoke to a supervisor who stated I owed XXXX but my account balance says {$1600.00} and when I called back its now {$1800.00}. Something is now right, Ive been financing with them for years and my balance always decreased and now its increasing. I dont like being taken advantage of especially in this economy. Ive paid for my car at least XXXX as the interest rates were high and I just want to be done paying this company but it seems theyre just trying to keep people locked in bad contracts. Ive been reading the reviews and this company has wronged a lot of people.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: VA

Complaint narrative:
I just recently reviewed my credit report and noticed a fraudulent account on my credit report. Please remove as it is hurting my ability to obtain credit. 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 explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I sent three XXXX  payments to a company and bank member XXXX XXXX on XX/XX/year> ( amount of {$4000.00} ), and then again in XX/XX/year> in the amount of {$3500.00} and then in XXXX or XXXX of 2023 for {$1000.00}. I reported to my bank at the time ( Bank of America ) that I did not receive services for my money and that I need my payments refunded. Bank of America told me that there was nothing they could do on their end. All funds were sent from my business bank account. I have since closed this business account with Bank of America. I reached out to both XXXX and Bank of America for a refund and that was to no avail.

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 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX XXXX XXXX. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: MI

Complaint narrative:
I looked at my report back on XXXX XXXX XXXX and noticed my personal informaton was incorrect. I had multiple variations of my first name last name and my address I sent a letter to Experian on XXXX XXXX, XXXX  for them to investigate this but they still haven't fixed the problem tracking number XXXX I don't know what else to do can you look into 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 2025-03-24 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Collection Bureau, Inc.
State: MO

Complaint narrative:
I had a hospital stay between XX/XX/XXXX and XX/XX/XXXX. I received my first bill for {$2200.00} on XX/XX/XXXX. On XX/XX/XXXX I received additional statements stating that the bills I received the day before were past due. Between XX/XX/XXXX and XX/XX/XXXX I received numerous additional bills dictating how the amount insurance was billed and how much I owed. On XX/XX/XXXX I received a final statement after the full amount was billed to insurance stating that I, the patient, owed {$0.00}. On XX/XX/XXXX I received a letter from an agency explaining that the hospital sent the previous bill of {$2200.00} to collections. Aside from receiving a receipt showing that I had {$0.00} responsibility & insurance was billed for the entire amount, I believe this bill was sent to collections too soon. Unless I've misinterpreted collections laws, hospitals can't send bills to collections until 120 days after the statement date of the first bill, which was XXXX less than 80 days from when I received a collections notice. 

I submitted this complaint on XX/XX/XXXX and on XX/XX/XXXX my case was closed after the company responded with no evidence of my owing this debt. An old ledger was sent to me from the original creditor, but that original creditor has been permanently closed for at least 5 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX SSN : XXXX XXXX : XX/XX/year> Experian : XXXX XXXXXXXX XXXX XXXX XXXX XXXX RE XXXX Correction to my personal information Dear Experian, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. Please remove the following incorrect address off my personal record. 



Incorrect address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Sincerely, 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 2025-03-24 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:
This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Equifax, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal account opened at XXXX XXXX XXXX ( Account # XXXX ) on XX/XX/XXXX, an auto loan account opened at XXXX ( Account # XXXX ) on XX/XX/XXXX, a utility account opened at XXXX XXXX ( Account # XXXX ) on XX/XX/XXXX, a credit card account at XXXX XXXX XXXX ( Account # XXXX ) on XX/XX/XXXX, a personal loan opened at XXXX ( Account # XXXX ) on XX/XX/XXXX, an education loan at XXXX XXXX XXXX ( Account # XXXX ) on XX/XX/XXXX and an installment loan at XXXX XXXX  XXXX ( Account # XXXX ) on XX/XX/XXXX. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. The unauthorized hard inquiries are from the following companies and following dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. These hard inquiries were not authorized by me. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items and hard inquiries. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported as these accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my first FTC Identity Theft Criminal Complaint # XXXX and my second FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud and have been reported as such.

Company response to consumer: Closed with non-monetary relief