vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-27 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: MO

Complaint narrative:
M I am filing a formal complaint against Experian for violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e, by failing to ensure the maximum possible accuracy of my credit report. Despite my dispute, Experian has continued to report an inaccurate and unverifiable item, which is negatively impacting my credit profile.

Disputed Item Details : Creditor Name : DEPT OF ED/XXXX Company Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA Account Number ( Last XXXX Digits ) : XXXX Reported Late Payment or Negative Entry Date : XX/XX/year> I submitted a formal dispute to Experian requesting a proper investigation and removal of this inaccurate entry. However, they failed to provide verification or correct the inaccuracy within the 30-day timeframe required by law. 

Under 15 U.S. Code 1681n, Experians failure to investigate and correct this error constitutes a legal violation, entitling me to {$1000.00} per violation in damages. Their negligence is harming my financial standing and consumer rights.

I request that the CFPB investigate Experians non-compliance and take appropriate action to ensure that they adhere to federal consumer protection laws. I also seek guidance on further actions I can take to resolve this matter.

Please provide a response regarding the status of my complaint at your earliest convenience. 

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 2025-02-27 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: MO

Complaint narrative:
XXXX I am filing a formal complaint against XXXX for violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e, by failing to ensure the maximum possible accuracy of my credit report. Despite my dispute, XXXX has continued to report an inaccurate and unverifiable item, which is negatively impacting my credit profile. 

Disputed Item Details : Creditor Name : DEPT OF ED/XXXX Company Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number ( Last XXXX Digits ) : XXXX Reported Late Payment or Negative Entry Date : XX/XX/year> I submitted a formal dispute to XXXX requesting a proper investigation and removal of this inaccurate entry. However, they failed to provide verification or correct the inaccuracy within the XXXX timeframe required by law. 

Under 15 U.S. Code 1681n, XXXX failure to investigate and correct this error constitutes a legal violation, entitling me to {$1000.00} per violation in damages. Their negligence is harming my financial standing and consumer rights. 

I request that the CFPB investigate XXXX non-compliance and take appropriate action to ensure that they adhere to federal consumer protection laws. I also seek guidance on further actions I can take to resolve this matter. 

Please provide a response regarding the status of my complaint at your earliest convenience. 

Sincerely, XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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:
XXXX I am filing a formal complaint against XXXX for violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e, by failing to ensure the maximum possible accuracy of my credit report. Despite my dispute, XXXX has continued to report an inaccurate and unverifiable item, which is negatively impacting my credit profile. 

Disputed Item Details : Creditor Name : DEPT OF ED/XXXXE Company Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number ( Last XXXX Digits ) : XXXX Reported Late Payment or Negative Entry Date : XX/XX/year> I submitted a formal dispute to XXXX requesting a proper investigation and removal of this inaccurate entry. However, they failed to provide verification or correct the inaccuracy within the XXXX timeframe required by law. 

Under 15 U.S. Code 1681n, XXXX  failure to investigate and correct this error constitutes a legal violation, entitling me to {$1000.00} per violation in damages. Their negligence is harming my financial standing and consumer rights. 

I request that the CFPB investigate XXXX non-compliance and take appropriate action to ensure that they adhere to federal consumer protection laws. I also seek guidance on further actions I can take to resolve this matter. 

Please provide a response regarding the status of my complaint at your earliest convenience. 

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 non-monetary relief
Consumer complaint received 2025-02-27 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:
Equifax previously removed a fraudulent account from my credit report on XX/XX/year>, following the submission of a police report for identity theft. However, this account was later reappeared on my credit file. I disputed it again, providing all the necessary documentation to support my claim. 

I have spoken with XXXX representatives, providing them with the confirmation number for the previous dispute, yet the fraudulent account remains on my credit profile. Additionally, I have escalated the matter to several supervisors, who have provided false information regarding the previous removal and the details uploaded for its removal. 

If this issue is not promptly resolved, I will be forced to pursue legal action for the wrongful reporting of a fraudulent account on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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:
I just checked my credit report as I usually do, only to find an unauthorized inquiry that I dont recognize. I dont understand how this happened, and its incredibly upsetting. At first, I thought it might be a system error and tried refreshing my browser, but the issue persisted. This is unacceptable, and I need it resolved right away. Please go through my submitted documents thoroughly to ensure this never happens again.

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 2025-02-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Creditors Bureau Associates
State: GA

Complaint narrative:
This CFPB complaint is being filed resulting from a " collections '' tradeline I noticed was furnished to my consumer reports by a collection agency called " Credit Bureau Association '' for a debt totaling an amount of {$620.00}. I have not received enough information regarding the alleged debt. Medical debts have been banned from credit reports as of XX/XX/XXXX. From what I have noticed on this tradeline, the last payment that was made on the tradeline was in or around XX/XX/XXXX according to my credit report from XXXX. That's a debt that is more than 20 years old. This debt is " zombie '' debt. It has passed the statute of limitations in any state within the U.S. Furthermore, the alleged account was re-aged stating to have opened on or about XX/XX/XXXX. This is utterly ridiculous, and I intend to punish this agency for such deception and foolishness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SN SERVICING CORPORATION
State: CA

Complaint narrative:
On XX/XX/year> I called SN serviceing corporation to see if they received my {$6800.00} wire and unprofessional employee XXXX XXXX started discriminating and violating my civil rights. By looking my last name he is always verbaly abusing me and making work more difficult. Also, most of the times he is ignoring my phone calls and emails. I'm tired of his discriminatory behavior and I asked him to transfer me to his supervisor. He refused me tree times and finally transferred to his supervisor. I left a voicemail for XXXX XXXX. I called back again and spoke with another manager XXXX XXXX. I talked to her about his discrimination. She was very kind and helpful. I need to know as of today how much do I owe investors. I need to bring my balance current. I work in the XXXX  XXXX  and I got exposed with COVID XXXX XXXX times. I wasn't able to work at that time and I got behind from my payments. Thanks XXXX I'm doing ok now and tring to pay off the balance, but they are ignoring me because I'm Armenian US citizen.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kansas Counselors, Inc.
State: MO

Complaint narrative:
Hello, I have been trying to get ahold of this company to see why there is a debt on my credit report that is not mines. When I call they hang up on me and transfer me to a mailbox with no call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: NJ

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate 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 2025-02-27 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Transunion To whom it may concern : XXXX XXXX XXXX XXXX You are reporting this collection as an " OPEN ACCOUNT '' which is not under FCRA compliance.This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.

Sincerley. 

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 non-monetary relief
Consumer complaint received 2025-02-27 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: OH

Complaint narrative:
XX/XX/XXXX Credit bureaus addresses : TransUnion Consumer Solutions, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TO WHOM IT MAY CONCERN Subject : Disputing Information in Credit Report DEBT WAS INCLUDED IN BANKRUPTCY.

I AM ALSO REQUESTING THAT YOU TAKE ACTION AND REMOVE BANKRUPTCY FROM MY CREDIT REPORT, THATS BEEN ON MY FILE FOR 8 YEARS. AS PER MY UNDERSTANDING, THIS WAS TO BE AUTOMATICALLY REMOVED FROM MY CREDIT REPORT. PLEASE UPDATE AND CORRECT.

Bankruptcy filing Means I AM no longer legally obligated to pay it ; creditors are prohibited from trying to collect on that debt anymore. 
I am writing to dispute the following information in my file. SEE BELOW Collections 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 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  - {$2500.00} Closed Enclosed is documentation supporting my request, BANKRUPTCY, BILL, ID CREDIT REPORT Please investigate this matter and delete or correct the disputed CREDITORS as soon as possible. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX Enclosures : BANKRUPTCY, BILL, ID CREDIT REPORT ________________________________________

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 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: OH

Complaint narrative:
XX/XX/XXXX Credit bureaus addresses : TransUnion Consumer Solutions, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TO WHOM IT MAY CONCERN Subject : Disputing Information in Credit Report DEBT WAS INCLUDED IN BANKRUPTCY.

I AM ALSO REQUESTING THAT YOU TAKE ACTION AND REMOVE BANKRUPTCY FROM MY CREDIT REPORT, THATS BEEN ON MY FILE FOR 8 YEARS. AS PER MY UNDERSTANDING, THIS WAS TO BE AUTOMATICALLY REMOVED FROM MY CREDIT REPORT. PLEASE UPDATE AND CORRECT.

Bankruptcy filing Means I AM no longer legally obligated to pay it ; creditors are prohibited from trying to collect on that debt anymore. 
I am writing to dispute the following information in my file. SEE BELOW Collections 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 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  - {$2500.00} Closed Enclosed is documentation supporting my request, BANKRUPTCY, BILL, ID CREDIT REPORT Please investigate this matter and delete or correct the disputed CREDITORS as soon as possible. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX Enclosures : BANKRUPTCY, BILL, ID 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 explanation
Consumer complaint received 2025-02-27 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: CA

Complaint narrative:
To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccuracies : 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/year> Please remove this inaccurate information from my credit report. 

2. violation of 15 usc 1681e ( b ) faling to provide maximum possible accuracy. This must be deleted XXXX XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 

3. The status is incorrect for the following account XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

4. violation of section 604 15 USC code 1681B. Please remove from my credit report XXXXXXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.

5. violation of section 604 15 USC code 1681B. Please remove from my credit report XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information 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 explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
Persistent inability to access my banking account with VyStar Credit Union for serval days. 

The mobile app and online banking unavailable all this week without any notification or updates. 

When I called the representative acted clueless. This was earlier this week listed as a known problem on their website but has since been removed.

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 2025-02-27 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 did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking it.

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 2025-02-27 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: VI

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: VI

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 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: MI

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 non-monetary relief
Consumer complaint received 2025-02-28 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: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I'VE CALLED JPMCB SEVERAL TIMES AND TALKED TO THE FRAUD TEAM AND TOLD THEM I HAVE TWO ACCOUNTS ON MY CREDIT FILE THATS NOT MINE AND ITS FRAUD. THEY VERIFIED I WASN'T MINE AND THEY STATED THEY WOULD REMOVE THE ACCOUNTS FROM ALL THREE CREDIT REPORTING COMPANIES. THEN I DISPUTED THE ACCOUNTS AND NO RESPONSE SO NOW IM FILING A COMPLAINT WITH THE CFPB LIKE XXXX  TOLD ME TO DO.

Company response to consumer: Closed with explanation