vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-22 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX ACCOUNT ( XXXX ) /ITEMS DELETION LETTER OF IDENTITY THEFT & FRAUD EXPERIAN ( IDENTITY THEFT & FRAUD ) EXPERIAN VIOLATION FCRA XXXX Date : XX/XX/XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It XXXX Concern : PLEASE REMOVE THIS ADDRESS, IT DOES NOT BELONG TO ME. : XXXX XXXX XXXX XXXX, XXXX  XXXX PLEASE DELETE THESE ADDRESSES FROM CREDIT REPORT MY CORRECT NAME AND ADDRESS IS : XXXX XXXX XXXX XXXX XXXX 
XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, MD XXXX FTC REPORT XXXX : THE POLICE REPORT # : XXXX Thank you for your time and help in this matter. Sincerely, 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 2025-02-22 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:
XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ) XXXX Date Opened XX/XX/year> Balance {$240.00} Last Payment Amount {$0.00} Original Amount {$240.00} Original Creditor XXXX XXXX XXXX XXXX ) Past Due {$240.00} I have no knowledge of this account it was open without my permission.

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 2025-02-22 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: VA

Complaint narrative:
I previously requested that the disputed account ( s ) be marked as 'Account Disputed ' in my consumer files, as mandated by the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C . 1681s-2 ]. However, the purported consumer credit reporting agency has failed to conduct a proper investigation into the ongoing and persistent issues. I was not notified of the investigation status or results, and the agencys failure to address the core nature of my complaint remains unresolved. Additionally, the reported information contains nonexistent and bogus entities that do not reflect a valid legal entity as recognized under applicable laws governing articles of incorporation, certificates of formation, or charters. I demand the immediate expungement of these illegitimate entities and a correction of my consumer file to ensure compliance with federal regulations. Supporting documents outlining these unlawful billing, credit reporting, and debt collection practices, which have persisted since XX/XX/XXXX, are attached. 

See my attached Memorandum for the Record ( CONSENT TO DISCLOSURE ), Subject : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the XXXX XXXX and Accounting Service Regarding Improper Debt Collection, Billing Discrepancies, XXXX XXXX XXXX, and Unauthorized Pay Deductions Related to Alleged Credit Card Receivables ( Account No. XXXX ), dated XX/XX/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 2025-02-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: NY

Complaint narrative:
I received a very official looking letter from MRS XXXX XXXX XXXX XXXX, XXXX XXXX, New Jersey, saying that I owe them {$380.00} as of XX/XX/year>. They say this amount was passed over to them by XXXX XXXX. They also say that I can save 20 % if I {$300.00} immediately before XX/XX/year>. 

I have never had an account with XXXX XXXX, and don't owe them anything. 

Checking online, this company is flagged as a scammer.

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 2025-02-22 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:
Dear Experian, TransUnion, and Equifax ( Transunion Account number # XXXX ) Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

The following inquiries and accounts are unauthorized or inaccurate, and I ask that you delete them at once... 

NOTE ... Inquires and accounts please delete ( Experian ) ( Transunion ) and ( Equifax ) please delete these accounts *CHILD SUPPORT XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 : ( Delete address ) XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX fl, XXXX NOTE : : ( Delete hard inquiries ) *XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX don't recognize these lenders and I don't remember authorizing them to perform a hard inquiry nor did I authorize any new accounts on my credit report Act, I demand that these items be investigated and removed from my report Please remove any information that the creditor can not verify and show permissible use **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 an 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( 1 ) the person, has been notified by the consumer, at the address specified by the person for such notices, that specific Information is instead inaccurate .....

( ( ( NOTE... VALID FTC REPORT ATTACHED ... AS WELL AS SOCIAL SECURITY CARD AN DRIVER LICENSE ) ) )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Credit scores are always low despite paying on time over years and sometimes creditors not able to obtain credit scores ( XXXX ), so the use other agencies with the lower scores are used. Not dropping off collection items that should be off making insurance rates higher. The scores are 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 2025-02-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
Debt has been paid and I requested documents showing proof. Debt should not be on credit report. 

Balance XXXX $ Account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: CO

Complaint narrative:
XXXX Lack of Communication Tanked My CreditThis Needs to Be Addressed I just found out that Nelnet reported my student loan payments as delinquent without any prior notification, and my credit score dropped from XXXX to XXXX because of it. 

Heres what happened : My loans were deferred, then deferred again. Payments were confusing as could be. 
Nelnet never contacted me to let me know payments were due againno calls, no emails, no mail. Completely unprofessional and seems illegal. On XX/XX/XXXX, they reported my payments as delinquent ( likely over XXXX  days ). 
I only found out because I happened to check my credit score on my XXXX app and saw it had tanked. 

I immediately called Nelnet, made a payment to bring my account current, and asked what they could do about the reported delinquencies they answered nothing. I asked them why I hadnt received any notices and found out all of their information on me was very outdated. They had the incorrect home address and email. They assured me they had made attempts to contact via phone, but I have no record of that.. 

I also sent an email to XXXX customer service explaining the situation and will update if they respond. 

Bottom line : Nelnet ( and other servicers ) should not be allowed to destroy credit scores without proper notice. Lets make noise so this gets addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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.
State: MI

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or incomplete items unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or incomplete items unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights

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 2025-02-22 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: NJ

Complaint narrative:
The late payment remark on my credit report is negatively impacting my FICO score, and I am requesting its removal to ensure my credit profile accurately reflects my financial responsibility. Payment history accounts for approximately 35 % of my FICO score, making it the most significant factor in credit scoring. A single late payment can cause a substantial drop in my score, especially if I previously had a strong payment record. 

This inaccurate late payment is unfairly lowering my creditworthiness and affecting my ability to secure financial opportunities, such as obtaining a loan or favorable interest rates. Additionally, lenders and financial institutions rely on FICO scores to assess risk, and this incorrect remark could result in higher borrowing costs or even denials of credit applications. 

I am formally disputing this error under the Fair Credit Reporting Act ( FCRA ), which grants me the right to challenge inaccurate or unverifiable information on my credit report. If the late payment can not be verified or is incorrect, it must be removed. Furthermore, I am requesting a goodwill adjustment from the creditor, as I have a history of responsible financial management, and this late payment does not accurately represent my reliability.

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 2025-02-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Management Holdings, LLC
State: SC

Complaint narrative:
One day out of the blue I got a phone call stating I owed a medical debt in GA. However I live in SC and have medical insurance as well. I requested verification of the debt including purchase agreement and wet signature agreement from original creditor. I never heard back from them and 3 to 4 months later my credit report shows it as a collection. I notified XXXX and they refuse to remove the debt as they have the start date in XXXX, information they gave me over the phone was start date of XXXX ( XXXX I believe ). They called me with 2 months left on the 7 year statute, refused to verify and then reported to credit as if start date was XXXX. I already disputed this same collection from XXXX ( XXXX XXXX XXXX ) who said they would look into it but never responded ( I moved so they may have and I just didn't get it ) however they never added to my credit report so I assumed they dropped it. Apparently they sold it months before collection statute expired illegally without validating the debt. 
XXXX was informed and refused to validate the date to FCRA standards and instead state name and social match and put a statement on my report that " customer disputes ''. I need this report from Credit management Co who bought it from XXXX XXXX response removed from my credit report to comply with FCRA statutes, if they wish to pursue the debt they need to send FULL validation along with purchase agreements from XXXX and new company along with wet signature from original creditor. I don't live in GA so there is no reason for me to have medical debt from that state.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I urge you to conduct a thorough and meticulous investigation into the accuracy of the bankruptcy entry on my credit report. If your investigation reveals that this information is inaccurate or can not be fully verified, I demand its immediate removal. Ensuring my credit report is accurate and free of erroneous data is not just a requestit is my right under the Fair Credit Reporting Act ( FCRA ). Inaccurate reporting can have significant consequences on my financial standing, and I trust that you will take the necessary steps to uphold the integrity of my credit file. 

Furthermore, I expect a detailed written notification outlining the results of your investigation, including whether the disputed bankruptcy entry has been corrected, removed, or deemed accurate. This explanation should provide full transparency regarding your findings. Please ensure this notification is sent to me within the legally mandated timeframe of 30 days, as required under the FCRA.

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 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am reported as having a bankruptcy, But XXXX does not have me listed as having a bankruptcy and they have their info from XXXX XXXX. Why are you reporting me as having one? This 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 2025-02-22 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Barclay 's Credit Card made and offer to settle a closed card and then did not honor it or report the payments. 
Instead, they applied it to interest owed and continued to report non-payment for years

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 2025-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: ID

Complaint narrative:
XXXX  has frozen my account containing {$6300.00} in IRS refund funds without valid reason. I submitted my identification as requested, and they have now permanently closed my account, stating they will hold my money for up to 180 days with no explanation. This is an unlawful and fraudulent withholding of my legally owned funds, which were deposited as a government tax refund. 

I demand immediate access to my money. If this is not resolved, I will escalate this issue with my states Attorney General, the IRS Fraud Department, and financial regulators. This is an urgent matter, as I can not access my own money due to XXXX baseless account restriction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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:
XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ) XXXX Date Opened XX/XX/year> Balance {$240.00} Last Payment Amount {$0.00} Original Amount {$240.00} Original Creditor XXXX XXXX XXXX XXXX ) Past Due {$240.00} I have no knowledge of this account it was open without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ) XXXX Date Opened XX/XX/year> Balance {$240.00} Last Payment Amount {$0.00} Original Amount {$240.00} Original Creditor XXXX XXXX XXXX XXXX ) Past Due {$240.00} I have no knowledge of this account it was open without my permission.

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 2025-02-22 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Credit Glory LLC
State: OK

Complaint narrative:
At XXXX on XX/XX/25 I attempted to pay a debt to XXXX XXXX XXXX for {$210.00}. My phone call was redirected to XXXX XXXX without me knowing initially. The man claimed he could bundle the XXXX and associates collection ( {$210.00} ), and the millennium financial group collection ( {$380.00} ) for the price of {$270.00}. Thinking this was a good deal, I accepted. He then proceeded to claim that I have XXXX hard inquires, and they usually charge {$80.00} a piece for each inquiry, but for {$790.00} he could get all of them off of my credit report. Intrigued by this service and the potential of boosting my credit history, I stated {$790.00} was too much. He then said we can break it down into 4 monthly installments at {$190.00} a piece and I accepted. A few hours later I googled XXXX XXXX only to find out XXXX of not XXXX of people have similar stories to mine. This is a fraudulent company intercepting phone calls, and taking peoples money making promises they can not keep. Since researching the company, Ive found that XXXX XXXX is not XXXX accredited. Ive also learned credit repair companies can not take money up front before they do any work on said persons credit history. This company DID. They took a total of {$470.00} from me. I have called trying to cancel my account and supposedly it is closed now. However, when discussing a refund the man I was on the phone with couldnt process it, and the person in charge of such matters would call me back. I havent received a phone call since ( all of that relates to several other individuals experiences with this company ). They make it virtually impossible to get a refund. At this point I just want my money back so that I can proceed to pay the actual collections i intended on paying. A simple google search on credit glory will tell you everything you need to know about this company.

Company response to consumer: Closed with explanation