vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-14 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: FL

Complaint narrative:
I have discovered that my personal information was used without my authorization to open accounts and conduct transactions that I did not initiate. I strongly assert that these accounts and transactions are fraudulent, resulting from identity theft or fraud. Despite promptly reporting this issue to the appropriate authorities and the involved companies, the matter remains unresolved, and the fraudulent accounts and charges persist on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: FL

Complaint narrative:
i have sent several dispute letters similar to the below text, I am writing to formally dispute inaccurate information on my credit report, as provided under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I have the right to dispute any information on my credit report that I believe to be inaccurate or incomplete. I believe the reported balance and charge-off status for this account are incorrect. Additionally, the payment history and delinquency dates do not align with my records. 
I request that XXXX conduct a reinvestigation of all accounts, as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), and provide me with the results of the investigation within 30 days. If the information can not be verified, I request that it be promptly removed or corrected, as mandated by 15 U.S.C. 1681i ( a ) ( 5 ).

Please note that under 15 U.S.C. 1681i ( a ) ( 6 ), I am entitled to receive written notice of the results of your reinvestigation, including a revised credit report if changes are made. 

Thank you for your assistance. 
Sincerely, i have received no information or response from XXXX. i recently downloaded another copy of my report # XXXX. No corrections or deletions have been made. I also have suffer identity theft recently and have reported to the appropriate departments.

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 2025-01-14 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: FL

Complaint narrative:
i have sent several dispute letters similar to the below text, I am writing to formally dispute inaccurate information on my credit report, as provided under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I have the right to dispute any information on my credit report that I believe to be inaccurate or incomplete. I believe the reported balance and charge-off status for this account are incorrect. Additionally, the payment history and delinquency dates do not align with my records. 
I request that XXXX conduct a reinvestigation of all accounts, as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), and provide me with the results of the investigation within 30 days. If the information can not be verified, I request that it be promptly removed or corrected, as mandated by 15 U.S.C. 1681i ( a ) ( 5 ).

Please note that under 15 U.S.C. 1681i ( a ) ( 6 ), I am entitled to receive written notice of the results of your reinvestigation, including a revised credit report if changes are made. 

Thank you for your assistance. 
Sincerely, i have received no information or response from XXXX. i recently downloaded another copy of my report # XXXX. No corrections or deletions have been made. I also have suffer identity theft recently and have reported to the appropriate departments.

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 2025-01-14 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: NJ

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 NUMBER : 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 : Accounts : XXXX XXXX XXXX XXXX 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 CREDIT BUREAU 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 2025-01-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: NV

Complaint narrative:
I submitted an application for an Income-driven plan for my student loan back in XX/XX/XXXX to MOHELA from the studentaid.gov website. According to the website, it would take an average of 30 days before I would hear back. It is now XX/XX/XXXX and they are still " reviewing '' my application. I have sent MOHELA an email XX/XX/XXXX requesting clarity on the timeline of my application. They put a request for processing forbearance which may take up to 10 business days. However, this does not address the main issue, which is that MOHELA has not processed my application in a timely manner or at least given me more information on how long it would take. At this rate, they could put me on forebearance forever and force me to continue accumulating interest when I could be making fair payments. I had to pay close to {$1000.00} for my XX/XX/XXXX payment, which is close to 25 % of my monthly pay. Considering how I have to pay for rent, food and gas, etc, if I am unable to be put on an income-driven plan soon I may have to get loans to pay off my student loans, which is not sustainable and is inhumane.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: CA

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by human trafficking. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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: TX

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law.

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 2025-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harris & Harris, Ltd.
State: SC

Complaint narrative:
Harris and Harris LTD place something on my credit and I don't know who they are and never did business with them or gotten anything from them to know why they did it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Phillips & Cohen Associates, Ltd.
State: PA

Complaint narrative:
I have made multiple outreach attempts to resolve a debt with Phillips-Cohen debt collections agency. I made my initial request on XX/XX/XXXX and each time I am advise someone will " contact me soon '' to provide a resolution and I am never provided a resolution. The last response I received was on XX/XX/XXXX stating someone would contact me and I have made outreach since and they have yet to provide a response or resolution. I accepted a payment plan with their company on XX/XX/XXXX for a debt agreed amount of XXXX. My 2 initials payments failed due to incorrect digit entered on my end, so I promptly paid double once realizing to compensate. At this time, I have paid XXXX of the agreed upon amount of XXXX and they are not reviewing the account to update the balance to consider the debt resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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:
Hello, I am requesting an investigation into these accounts as there appears to be an issue with their accuracy on my credit report. These accounts were removed previously but have been added back without my awareness. I was not notified of their return, nor have I received any communication regarding this by mail.

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 2025-01-14 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: IL

Complaint narrative:
Hello, I am requesting an investigation into these accounts as there appears to be an issue with their accuracy on my credit report. These accounts were removed previously but have been added back without my awareness. I was not notified of their return, nor have I received any communication regarding this by mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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: IL

Complaint narrative:
Hello, I am requesting an investigation into these accounts as there appears to be an issue with their accuracy on my credit report. These accounts were removed previously but have been added back without my awareness. I was not notified of their return, nor have I received any communication regarding this by mail.

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 2025-01-14 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: VA

Complaint narrative:
Details of the Complaint : I am filing this complaint because Equifax is reporting two charge-off accounts with balances that should no longer be reported due to the issuance of 1099-C Cancellation of Debt forms. The reporting of these balances is inaccurate, misleading, and in violation of the Fair Credit Reporting Act ( FCRA ).

Details of the Accounts in Question : XXXX. XXXX XXXX Account : Balance Reported : {$18.00} Status : Charge-Off Issue : A XXXX was issued for this account, which means the debt was canceled and is no longer collectible. The account should either reflect a {$0.00} balance or be removed entirely. 
XXXX. XXXX XXXX Account : Balance Reported : {$1500.00} Status : Charge-Off Issue : A 1099-C was issued for this account as well. The debt is forgiven and should no longer appear on my credit report with a balance. 

Violation of FCRA : Under the Fair Credit Reporting Act, credit reporting agencies are required to ensure accurate reporting. Once a 1099-C is issued, the debt is considered canceled, and the continued reporting of these balances is misleading and negatively affects my credit profile. 

Steps I Have Taken : XXXX. Disputed with Equifax : I have contacted Equifax to dispute the inaccuracies and requested that the accounts be updated or removed. No action has been taken to correct this issue. 
XXXX. Provided Documentation : I have provided evidence of the 1099-C forms to demonstrate that the debts were canceled. 

Resolution Requested : I request the CFPBs assistance to ensure : 1. Immediate Removal of Both Accounts : Since the debts were canceled and reported to the IRS via 1099-C forms, the accounts should no longer appear on my credit report.

2. Verification by Equifax : Equifax must verify the issuance of the 1099-C forms with the original creditors and update my credit report accordingly. 

Impact on Me : The inaccurate reporting of these accounts with balances is negatively affecting my credit score, limiting my ability to access financial opportunities, and creating unnecessary stress. I need this matter resolved promptly to reflect accurate and fair reporting. 

Attachments : I am attaching the following supporting documents : Screenshots of my credit report showing the inaccurate balances. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Va XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: NC

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 NUMBER: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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 CREDIT BUREAU 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 explanation
Consumer complaint received 2025-01-14 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: NC

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 NUMBER: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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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 CREDIT BUREAU 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 explanation
Consumer complaint received 2025-01-14 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:
Transunion not completing the dispute investigation. I received a email from them today XX/XX/year>. that they canceled the investigation upon my request. I made no such request. They do not conduct their own investigations just simply rely on the creditor to verify and say the information is accurate.

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 2025-01-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: VW Credit
State: IL

Complaint narrative:
On XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX called VW Credit and requested a dealer payoff amount for a XXXX XXXX Account Number XXXX Vin XXXX and stated the vehicle owned had to trigger this. 

I was standing at the dealer, and I called VW credit requesting documents. VW Credit refused to provide a dealer payoff with a electronic delivery method and stated they faxed it to the dealer. The dealer never received the fax. I requested an additional copy via US mail as well. 

XX/XX/XXXX I reached out to VW credit and requested another dealer payoff document. They stated the faxed it again to another Fax number. They never faxed it. 

XX/XX/XXXX I receive a consumer only payoff letter not valid for dealers via US mail. 
XX/XX/XXXX I submitted payment via online portal to payoff vehicle XX/XX/XXXX I submitted request for title shipment information without a suitable response in a timely manner. 

VW Credit is taking every measure they can to prevent me from doing business with a non-VW dealer with my asset. I have been told to visit my local VW dealer for a payoff in a call with VW credit. In turn, I have lost expediting fees for title, interest on the monies paid to payoff this car when it should have been a dealer payoff, and time lost due to circles of difficulty.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capio Partners, LLC
State: FL

Complaint narrative:
With the hurricane that recently impacted Central Florida we are self-employed and were out of work. I recently filed my taxes for the whole year. My husband and I made {$12000.00}. I had to go into the hospital. I hurt my shoulder, putting a tarp on our roof after our roof was damaged. From the hurricane. Florida passed a law last year that medical bills can not affect your credit asset care. Which is a debt collection agency posted on my credit report a few days ago the negative impact of my credit score dropped XXXX points. I was shocked. Ive spent so many years building my credit and paying all of my bills on time and working as hard as possible. I was unaware that a medical debt could drop your score like that.

Company response to consumer: Closed with non-monetary relief