vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-18 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: MN

Complaint narrative:
I have disputed the " missed payment '' sections on my credit report XXXX times. It is showing I am XXXX  days late on my normal monthly payments. However, I was under a loan modification process and was told not to make payments until that was completed. Under the loan modification process, under a partial payment agreement, I made XXXX payments of {$2000.00} as a trial. Then the mortgage company had an issue with the paperwork around XXXX different times. During the issues they were having, they were NEVER clear until XXXX of XXXX  as to what needed to be completed on the paperwork. When it finally got figured out and the loan modification took half a year, I am finally back on track however these " missed payments '' are ruining my credit report and other entities that look at my credit report think I am XXXX  days late on my mortgage when that is not the case. I even made another payment of {$2300.00} in order to try to keep things on track while XXXX XXXX XXXX  took so long NOT COMMUNICATING with me about issues with the loan modification paperwork. I feel this is greatly unjust that my report has to reflect any days late at all during the loan modification process. Again, I have disputed this XXXX times and the credit bureau, Experian, has not updated this part I have been asking about ( payment history ). All I ask is that it shows that I have been up to date. It is very important to me that my credit score reflects that I have been responsible in my payment making given the direction from XXXX XXXX XXXX  in this process.

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 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: I.C. System, Inc.
State: CO

Complaint narrative:
XXXX XXXX XXXX account attached to phone number XXXX was found inaccurate and written off prior to XX/XX/XXXX. The account was closed to a XXXX balance and removed from all credit reports by the end of year XXXX. 

For the entire year of XXXX there are no charges to the zeroed and closed out account. XXXX of XXXXXXXX XXXX falsely reported a balance of {$290.00} to collection agency I.C. Systems, INC. 

Account number with I.C. Systems is XXXX Followed up with XXXX XX/XX/XXXX and have confirmed reported account was closed to a XXXX balance by end of XXXXXXXX XXXX has filed an internal dispute filed for false account and reporting. Form ID for T-Mobile internal dispute is XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Collection Bureau of Fort Walton Beach, Inc
State: FL

Complaint narrative:
This is medical debt medical debt should not be reported on credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: CA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: CA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-03-18 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: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
Comenity Bank : XXXX has written off fraud account yet reports to have sold the account to another party yet does not provide contact information for that party and removal of negatively effecting account from Comenity has not been done. 

Comenity Bank : XXXX account has been closed and removed from credit reports Comenity Bank does not provide contact information for Comenity Bank either in order to resolve any issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: TX

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX RM # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX OF XX/XX/XXXXXXXX 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  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 2025-03-18 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: NV

Complaint narrative:
The following account is reporting on my credit report. And, the information that is being reported is inaccurate. As you know this is not possible and this is a violation of my rights. Because of this account/information needs to be removed from my credit report immediately due to you not properly validating the information in which a company has passed to 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 2025-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Federal Credit Control, Inc.
State: NJ

Complaint narrative:
I am submitting this complaint against First Federal Credit Control for attempting to collect a debt that I do not owe to them. 

On XX/XX/year>, I sent a debt validation request to First Federal Credit Control regarding a debt they claim I owe. In response, they provided a copy of a contract for XXXX XXXX. However, they did not provide any documentation proving that they legally own the debt or that I have any contractual obligation to pay them as I signed no such thing. 

Since First Federal Credit Control has not demonstrated that they have a valid right to collect this debt, I believe they are violating the Fair Debt Collection Practices Act ( FDCPA ) by pursuing collection without proper validation. 

I request that First Federal Credit Control : 1. Cease all collection efforts.

2. Remove any negative reporting related to this debt from my credit report if they have reported it.

3. Stop any further communication regarding this invalid debt. 

Please investigate this matter and take appropriate action against First Federal Credit Control for their improper collection practices. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX 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 2025-03-18 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, 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 2025-03-18 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2025-03-18 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: TX

Complaint narrative:
I am submitting this complaint regarding Experian and its handling of my credit information, in light of the current lawsuit against them. I believe Experian has engaged in unfair and deceptive practices tat have clearly violated the Fair credit Reporting Act, and have negatively impacted my financial standing I have a attached a copy of the dispute in question, which was sent around XX/XX/year>. I requested that the information that was being reported from XXXX XXXX be verified for its accuracy. I also requested a copy of the information that was used in their investigation to be sent to me. Per the FCRA I am entitled to this information in a timely fashion. However I never received any information proving that any type of investigation took place Since Experian clearly did not comply with FCRA guidelines, I am requesting the following account be permanently deleted from my credit profile. 

XXXX XXXX XXXX-acct number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: OneMain Finance Corporation
State: GA

Complaint narrative:
I have never signed up for nor received a credit card from One Main Financial however they are reporting me past due- I have called, texted and emailed them as well as filled a dispute on XXXX XXXX and they are refusing to remove it or respond to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: OK

Complaint narrative:
I am a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the FCFIA and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance.

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 2025-03-18 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: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
I recently attempted to purchase a vehicle, and during the financing process, multiple hard inquiries were made on my Experian credit file without my authorization. I did not approve these multiple inquiries, and I believe they were conducted improperly. 

The following companies performed hard inquiries on my credit report : 1. CREDIT ACCEPTANCE CORP Date : XX/XX/year> Address : XXXX XXXX XXXX, XXXX XXXX MI XXXX Phone : ( XXXX ) XXXX XXXX. XXXX XXXX FLORIDA I Date : XX/XX/year> Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : ( XXXX ) XXXX 3. XXXX XXXX Date : XXXX XXXX, 2025 Address : XXXX XXXX XXXX, XXXX, MI XXXX Phone : ( XXXX ) XXXX XXXX. XXXX XXXX XXXX XXXX Date : XX/XX/year> Address : XXXX XXXX XXXX XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX I am requesting a review of these inquiries and their removal from my credit report if they were made without proper authorization. Please advise on the next steps I need to take to resolve this issue. 

Thank you for your time and assistance.

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 2025-03-18 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-03-18 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Servicer under contract with Federal Student Aid
State: SC

Complaint narrative:
XX/XX/XXXX my college was unable to receive my transcript, the school would not even release because they said I owe them a significant balance. 

XX/XX/XXXX I was unable to receive my transcript for XXXX  XXXX  because I was told I owe XXXX, I attended for 2 DAYS ONLY IN XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-03-18 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: MD

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The closed accounts in question continue to report as having late or missing payments after their final closed dates, which violates the Fair Credit Reporting Act ( FCRA ). Specifically, under Section 1681c ( a ) ( 5 ) of the FCRA, a closed account should not report late payments after its closure, as it must accurately reflect the status of the account at the time it was closed. Additionally, Section 1681e ( b ) mandates that all information provided to credit reporting agencies must be accurate and complete. 

The following accounts are reporting inaccurately and should not be showing any missed payments, as they are closed accounts : XXXX XXXX : Currently reporting XXXX missed payments, which is inaccurate. 
XXXX : Currently reporting XXXX missed payments, which is also inaccurate. 
These accounts are closed and should no longer be reporting late payments. In accordance with the FCRA, specifically Section 1681i, due to the inaccuracies in reporting, these accounts should be removed entirely from my credit report. Their continued presence, with incorrect payment histories, has caused a significant and unjustified decline in my credit score. This reporting discrepancy falls under the jurisdiction of the Consumer Financial Protection Bureau ( CFPB ), which enforces regulations to ensure that credit reporting agencies and furnishers comply with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: FL

Complaint narrative:
The closed accounts in question continue to report as having late or missing payments after their final closed dates, which violates the Fair Credit Reporting Act ( FCRA ). Specifically, under Section 1681c ( a ) ( 5 ) of the FCRA, a closed account should not report late payments after its closure, as it must accurately reflect the status of the account at the time it was closed. Additionally, Section 1681e ( b ) mandates that all information provided to credit reporting agencies must be accurate and complete. 

The following accounts are reporting inaccurately and should not be showing any missed payments, as they are closed accounts : XXXX XXXX : Currently reporting XXXX missed payments, which is inaccurate. 
XXXX : Currently reporting XXXX missed payments, which is also inaccurate. 
These accounts are closed and should no longer be reporting late payments. In accordance with the FCRA, specifically Section 1681i, due to the inaccuracies in reporting, these accounts should be removed entirely from my credit report. Their continued presence, with incorrect payment histories, has caused a significant and unjustified decline in my credit score. This reporting discrepancy falls under the jurisdiction of the Consumer Financial Protection Bureau ( CFPB ), which enforces regulations to ensure that credit reporting agencies and furnishers comply with 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