vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-31 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: Possible Financial Inc
State: OH

Complaint narrative:
Date of XXXX : XX/XX/year> Issue : I filed a dispute regarding inaccurate items on my credit report. However, no findings or conclusions were provided, and I did not receive a response from either the credit bureau or the company reporting the inaccurate information. 

Actions Taken : I submitted the dispute on XX/XX/year>, expecting an investigation and response as required under the Fair Credit Reporting Act ( FCRA ). However, no resolution or update has been communicated to me. 

Requested Resolution : I am requesting a proper investigation into my dispute and a timely response detailing the findings and any corrective actions taken. If the disputed information can not be verified, I request its removal from my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: Self Financial Inc.
State: OH

Complaint narrative:
Date of Incident : XX/XX/year> Issue : I filed a dispute regarding inaccurate items on my credit report. However, no findings or conclusions were provided, and I did not receive a response from either the credit bureau or the company reporting the inaccurate information. 

Actions Taken : I submitted the dispute on XX/XX/year>, expecting an investigation and response as required under the Fair Credit Reporting Act ( FCRA ). However, no resolution or update has been communicated to me. 

Requested Resolution : I am requesting a proper investigation into my dispute and a timely response detailing the findings and any corrective actions taken. If the disputed information can not be verified, I request its removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: MS

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that the credit bureaus 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.

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 2025-03-31 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: MS

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that the credit bureaus 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: First National Collection Bureau, Inc.
State: CA

Complaint narrative:
Received a call today from an XXXX with the company known as First national collection bureau Inc. stating that I owe a balance of {$500.00}. I asked him from what company because Ive never heard of his. He said XXXX XXXX, which is a secured credit card line. I do believe that account was closed and had been charged off or removed from my account. However, apparently it has been sold to a collection company that is operating out of 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 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am filing this complaint because the XXXX ( XXXX ) account, which had been previously removed from my credit report as a result of a dispute, was reinserted without any written notice or certification of accuracy, in direct violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii ) and ( iii ). The law is clear : if an account is removed due to a dispute, it can not be reinserted unless it is certified as accurate, and I must be notified within five business days. I received no such notice, no documentation, and no explanation whatsoever. This unauthorized reinsertion is not just a technical violation its an extremely serious matter that compromises my rights as a consumer and has caused me emotional distress, credit damage, and unnecessary hardship. You are also in violation of XXXX  U.S.C. 1681n, which holds credit reporting agencies liable for willful noncompliance, including statutory damages, punitive damages, and attorneys fees. I am demanding the immediate deletion of this reinserted XXXX account and a full reinvestigation under 15 U.S.C. 1681i ( a ) ( XXXX ). If you claim a reinvestigation was done, I am requesting proof of : who verified the information, when and how they were contacted, what was discussed, who on your staff handled the dispute, what training they had, and all written documentation exchanged. If this situation had happened to you seeing an account removed, then quietly reinserted without warning I expect you would find it unacceptable too. This kind of negligence shows a complete disregard for federal law and consumer protection. If I do not receive a lawful and complete response within XXXX  days, I will escalate this with legal action under all applicable provisions of 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 explanation
Consumer complaint received 2025-03-31 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: PA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company

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 2025-03-31 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: PA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. 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 2025-03-31 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: CO

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2025-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
On or around XX/XX/year>, I received a letter from the law firm XXXX XXXX XXXX, signed by attorney XXXX XXXX XXXX, regarding an alleged debt owed to XXXX, a XXXX XXXX XXXX. The letter claims I owe {$1400.00} under XXXX XXXX. XXXX and Account XXXX. XXXX, and demands payment within XXXX days, threatening legal action. 

I am writing to formally dispute this debt because I believe it may be the result of identity theft. I have no knowledge of the alleged account or charges referenced in the letter, and I have never opened or authorized any account with XXXX or XXXXXXXX XXXX 

The letter instructs me to contact legal assistant XXXX XXXX by phone or email to address any questions. I have made multiple good-faith attempts to do so specifically on XXXX XXXXXX/XX/year> and again on XXXX XXXXXX/XX/year> through both phone and email, but have received no response. 

Due to the lack of communication and the serious nature of the accusations and threats of legal action, I am now pursuing a formal dispute. I have requested validation of the debt under the Fair Debt Collection Practices Act ( FDCPA ) and am filing this complaint to document the issue and protect my rights as a consumer. 

I also froze my credit and Made an identity theft report with the FTC and, if necessary, will file a police report to document the fraudulent use of my identity. Someone has been using my identity to apply for loans, credit cards, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: NC

Complaint narrative:
I am following up on my previous dispute regarding inaccurate and unverified accounts on my credit report, which remain unresolved. Despite my request for reinvestigation, I have yet to receive a satisfactory response. I am once again demanding the source of this information and the specific methods used to verify its accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: NC

Complaint narrative:
I am following up on my previous dispute regarding inaccurate and unverified accounts on my credit report, which remain unresolved. Despite my request for reinvestigation, I have yet to receive a satisfactory response. I am once again demanding the source of this information and the specific methods used to verify its accuracy.

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 2025-03-31 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: NC

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 non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: IA

Complaint narrative:
I am experiencing financial hardship and tried to work with MOHELA on my private student loan. On XX/XX/year>, I contacted them by phone and offered to pay $ XXXX voluntarily, as I can not afford their required {$260.00} $ 268 monthly payment. I explained my financial hardship clearly and asked for options such as temporary forbearance, deferment, or hardship-based payment plans. 

I spoke with multiple representatives and was escalated to a manager. I was repeatedly told there were no alternative options and that $ XXXX was the only acceptable amount. I was also told that if I could not commit to that, they would continue with collections and negative credit reporting. 

After a long discussion and firm insistence that I was not refusing to pay, just unable to meet the full amount, they reluctantly accepted my {$100.00} payment. The payment was made on XX/XX/year>, and the confirmation number is XXXX. 

I asked for written confirmation of my payment and details of any hardship assistance programs. They did not provide any documentation or relief options and refused to give written acknowledgment of my hardship or voluntary payment. 

I am continuing to make voluntary payments and have sent both an email and a physical letter to MOHELA. I am asking for the CFPBs help in requiring MOHELA to acknowledge my hardship, document my efforts, and offer a reasonable and sustainable path forward instead of threatening further collection actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: NC

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

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 2025-03-31 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: MI

Complaint narrative:
I asked for my information to be updated as it is the incorrect information.

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 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I asked for my information to be updated as it is the incorrect information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: MO

Complaint narrative:
I have already tried to dispute this account online and then on the phone - and was denied doing both. The online site for disputes isnt working XXXX right now and the XXXX  number listed on the site does not work either. This is unethical when trying to review things reported for accuracy- I have 1 collection account showing, an American family account showing however there is no proper way to contact this company- so I demand that the account be removed from my credit report.

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 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I declare that the inaccurate late payment remarks on my accounts constitute a violation of 15 USC 1666. I have always made my payments promptly, and any discrepancies in this reporting are both unjust and illegal.

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 2025-03-31 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( 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 non-monetary relief
Consumer complaint received 2025-03-31 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: IN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 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 2025-03-31 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: IN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 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 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX BANK Balance {$3300.00} Open Date XX/XX/XXXX XXXX XXXX BANK XXXX Balance {$3800.00} Open Date XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance {$560.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$1300.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$5000.00} Open Date XX/XX/XXXX XXXX Balance {$1500.00} Open Date XX/XX/XXXX XXXXXXXX XXXX Balance {$630.00} Open Date XX/XX/XXXX inquiries XXXX Date XX/XX/XXXX XXXX  Date XX/XX/XXXX XXXXXXXX XXXX  Date XX/XX/XXXX 2023

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 2025-03-31 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: DE

Complaint narrative:
I have recently reviewed my credit report and identified several inaccuracies, as well as unauthorized accounts and information being reported. These discrepancies are not only factually incorrect but have also caused significant harm to my creditworthiness and overall financial health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: Frost-Arnett Company
State: FL

Complaint narrative:
Frost-Arnett a Debt collector offices in TN Daily messages on behalf of XXXX XXXX i am not sure if they have license to do business in Florida No details or explanation of benefits for services their website do not provide info either Imaging company so far can not even find my accounts, Done business with radiology practice they own no paper bill ever from XXXX or Frost-Arnett for explanation Obviously not happy with debt collector attempts without even trying to bill paper, email or other electronic media from company of service

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. 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 2025-03-31 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: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 non-monetary relief