vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-15 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: GA

Complaint narrative:
XXXX. XXXX XXXX - XXXX XXXX ( Account XXXX. XXXX XXXXX ] ) Reporting Agency : [ XXXX ] XXXX XXXX XXXX Payment : XX/XX/XXXX Amount : {$25.00} XXXX, XXXX XXXX, am XXXX XXXX Executor and Beneficiary of this account, and I am disputing the accuracy and validity of this late payment reported on XX/XX/XXXX. 

I sent a Certified Notice of Demand for Validation of Debt to XXXX  XXXX, requesting proof of the original contract, full payment ledger, and verification of this late payment. 

Received by XXXX  XXXX Despite my good faith efforts to resolve this matter directly with the creditor, XXXX  XXXX failed to provide the required documentation to validate this late payment, which violates the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 and the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g. 

Actions I Took to Resolve This Matter : Sent Dispute Letters Requested Proof of Proper Performance and Full Accounting Ledger No Response or Proper Documentation Provided by Creditor

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, credit reporting agency, 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 cell phone account opened at XXXX Account number ( XXXX ) .This account have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. The aforementioned account, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer account and hard inquiries are the result of identity theft and fraud.

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 2025-03-15 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: OH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, credit reporting agency, 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 cell phone account opened at XXXX Account number ( XXXX ) .This account have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. The aforementioned account, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer account and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: CT

Complaint narrative:
-I was alarmed that there are inaccurate late payment remarks on my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 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: MS

Complaint narrative:
In the wake of XXXX XXXX and XXXX  investigations my credit was illegally viewed, especially my my student loan data. By them viewing my data I request that my student loans be forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: MS

Complaint narrative:
I am writing to formally report that my student loan information has been unlawfully accessed by XXXX XXXX and XXXX, without the necessary security clearances or my explicit consent. 
This unauthorized access through government systems constitutes a clear violation of the terms and conditions of my student loan agreements, and as a result, the lenders are in breach of contract.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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.

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-03-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
Debt : {$670.00} A Letter was sent and also a phone was made. 

Subject : Request for Debt Validation Dear XXXX XXXX, I am writing to request validation of a debt you claim I owe, as required by the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). I recently received a [ letter/phone call ] from your office regarding this debt, but before I take any action, I need to ensure that this claim is valid. 

Please provide the following information : XXXX. Proof that I owe this debt, including a copy of the original signed agreement or contract. 
XXXX. The name and address of the original creditor. 
XXXX. A detailed account of the amount owed, including principal, interest, fees, and any additional charges. 
XXXX. Proof that your company has the legal right to collect this debt ( e.g., a copy of the assignment or sale of the debt ). 
XXXX. A full accounting of all payments made on this account, if applicable. 

Until you provide this information, I am disputing the validity of this debt. Please note that under the FDCPA, you must cease all collection activity, including reporting this debt to credit bureaus, until proper validation is provided. 

If this debt is valid, I am also requesting information regarding any available settlement or repayment options. If not, I expect you to remove any negative reporting related to this account from my credit report. 

Please send all correspondence in writing to my address listed above. 

Also the original debt collector did not have my consent to sale my account to XXXX XXXX. After contacting XXXX XXXX by phone I was advised they no longer have my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
Debt : {$670.00} A Letter was sent and also a phone was made.

Subject : Request for Debt Validation Dear XXXX XXXX, I am writing to request validation of a debt you claim I owe, as required by the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). I recently received a [ letter/phone call ] from your office regarding this debt, but before I take any action, I need to ensure that this claim is valid. 

Please provide the following information : XXXX. Proof that I owe this debt, including a copy of the original signed agreement or contract. 
XXXX. The name and address of the original creditor. 
XXXX. A detailed account of the amount owed, including principal, interest, fees, and any additional charges. 
XXXX. Proof that your company has the legal right to collect this debt ( e.g., a copy of the assignment or sale of the debt ). 
XXXX. A full accounting of all payments made on this account, if applicable. 

Until you provide this information, I am disputing the validity of this debt. Please note that under the FDCPA, you must cease all collection activity, including reporting this debt to credit bureaus, until proper validation is provided. 

If this debt is valid, I am also requesting information regarding any available settlement or repayment options. If not, I expect you to remove any negative reporting related to this account from my credit report. 

Please send all correspondence in writing to my address listed above. 

Also the original debt collector did not have my consent to sale my account to XXXX XXXX. After contacting XXXX XXXX by phone I was advised they no longer have my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
The inaccuracies on my report are making it difficult for me to move forward. These mistakes are unfairly hurting my scores and creating unnecessary obstacles.

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 2025-03-14 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: NY

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were XXXX  % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2025-03-14 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: NY

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were XXXX  % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2025-03-15 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: CA

Complaint narrative:
Company Information : Credit Bureaus Involved : Experian, Equifax, and TransUnion XXXX Account Number : XXXX Complaint Details : To Whom It May Concern, I am filing a formal complaint regarding the improper deletion of my XXXX account from my credit report without my authorization. This account was in good standing, and its removal has negatively impacted my credit profile. I have contacted the credit bureaus to have the account reinstated, but no resolution has been provided. 

Below are the details of the account as it was previously reported : Account Type : Open Account ( Credit Card ) Account Status : Open Balance : {$3400.00} High Credit : {$4600.00} Payment Status : Current Date Opened : XX/XX/XXXX Last Reported : TransUnion & Experian : XX/XX/XXXX Equifax : XX/XX/XXXX I believe the credit reporting agencies have violated my rights under the Fair Credit Reporting Act ( FCRA ) by removing this account without my request or proper verification. I request the immediate reinstatement of this account on my credit report and a thorough investigation into why it was removed. 

I have attached copies of my credit report showing the deletion, along with my identification for verification purposes. Please investigate this matter and provide a resolution 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 2025-03-15 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: CA

Complaint narrative:
Company Information : Credit Bureaus Involved : Experian, Equifax, and TransUnion XXXX Account Number : XXXX Complaint Details : To Whom It May Concern, I am filing a formal complaint regarding the improper deletion of my XXXX account from my credit report without my authorization. This account was in good standing, and its removal has negatively impacted my credit profile. I have contacted the credit bureaus to have the account reinstated, but no resolution has been provided. 

Below are the details of the account as it was previously reported : Account Type : Open Account ( Credit Card ) Account Status : Open Balance : {$3400.00} High Credit : {$4600.00} Payment Status : Current Date Opened : XX/XX/XXXX Last Reported : TransUnion & Experian : XX/XX/XXXX Equifax : XX/XX/XXXX I believe the credit reporting agencies have violated my rights under the Fair Credit Reporting Act ( FCRA ) by removing this account without my request or proper verification. I request the immediate reinstatement of this account on my credit report and a thorough investigation into why it was removed. 

I have attached copies of my credit report showing the deletion, along with my identification for verification purposes. Please investigate this matter and provide a resolution 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 2025-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
This company has called me multiple times a day, I have no idea who this company is or what they claim to have. I havent signed anything with this company, I havent gotten any validation information that this debt is mine or any information related to the debt the want to collect. Ive gotten multiple emails as well. Last time I was called was today XX/XX/year> at XXXX, And XXXX they are also saying Im going to owe XXXX $ more than what I apparently owe even tho they said there was no interest or fees being charged. Not sure why I am being charged for more money for something that doesnt belong to me and if there saying no interest and fees are being added. I dont know where these charges are why these charges are increasing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: FL

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This is my third complaint. BMO did send the statement that they refused to send. Once you got involved. But when I asked for the phone log of when I closed the account I was refused. Hence second complaint. Today your correspondence did say it was closed however it seems unclear and I also receive a letter that indicated it is not closed ( letter attached ). I have called several times and have spoken to representatives and managers. I would like a letter of closure with a XXXX balance.

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 2025-03-14 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:
After thoroughly reviewing my credit report, I found multiple inaccuracies regarding late payments reported on an account where the information does not accurately reflect my payment history. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), consumer reporting agencies are legally required to maintain maximum possible accuracy, and any failure to do so is a direct violation of federal law. 

The account in question, [ XXXX XXXX XXXX  ], [ Account # XXXX ], is inaccurately reporting late payments for XX/XX/year>, XX/XX/year>. However, upon review, I have not been provided with any verifiable proof that these delinquencies were reported correctly or in full compliance with the FCRA. If a data furnisher is reporting negative marks to my credit file, it is their legal responsibility to ensure the information is 100 % accurate, fully validated, and not misleading in any way. 

As part of my formal dispute, I request that your agency conduct a full reinvestigation and provide proper documentation proving the validity of these reported late payments. If the information can not be fully substantiatedmeaning there is no concrete, verifiable proof meeting strict FCRA standardsthen these inaccurate late payments must be removed immediately to comply with federal consumer protection laws.

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