vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-10 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: NC

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

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 2025-01-10 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: MI

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: IL

Complaint narrative:
XX/XX/XXXX placed online order on website XXXX XXXX ( I mistakenly believed them to be well known furniture store ) XX/XX/XXXX contacted XXXX : emailed XXXX requesting to cancel order and refund my payment method. I did not receive a response. 


XX/XX/XXXX shipment status update received contains order XXXX XXXX and tracking XXXX XXXX ( neither lead to valid tracking ie. does not exist ) XX/XX/XXXX I submitted a dispute charge to cash app my payment method. 
XX/XX/XXXX my dispute claim was denied based on purchase being an " authorized transaction ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Belk Company continues to report negative amount on my credit report. The account is closed but they continue to report negative amount on my credit report. Attached is a copy of a 1099c from the IRS showing that the account has been satisfied. When contacting Belk they inform me that the account is closed, however every month they report negative amount to credit agency. I am currently in the process of refinancing my home and this negative reporting of this amount is affecting my credit score and putting a hold on the refinancing 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 2025-01-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Revenue, Inc.
State: MD

Complaint narrative:
The following debt collectors have places collections account on my credit report which the debt does not belong to me. 

XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Formal Dispute of Debt and Request for Validation Information under Federal Law Dear [ Collection Agency Name ], I am writing in response to your attempts to collect a debt allegedly owed by me. I formally dispute the debt in its entirety as you have failed to provide the required validation information as stipulated under 12 CFR 1006.34 ( b ) ( 5 ). Specifically, I am requesting : 1. A copy of the purchase agreement or assignment agreement between your agency and the original creditor demonstrating your authority to collect this debt. 
2. Full validation of the debt in compliance with the Fair Debt Collection Practices Act ( FDCPA ).

In addition, I revoke my consent for any communication via phone, email, or any other method. Per the FDCPA, any further communication not explicitly authorized by law will constitute a violation of my rights. 

Violations of Federal Law You have failed to provide me with the opportunity to dispute the account within the mandated time frame, as outlined in 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Your actions constitute violations of the following : 1. 12 CFR 1006.34 ( d ) for failure to disclose all legally required information. 
2. 15 USC 1681s-2 ( 7 ) ( A ) by furnishing information to consumer reporting agencies without fulfilling your disclosure obligations.

3. 15 USC 1692e by employing false, misleading, and deceptive practices in your collection efforts. 

As per 15 USC XXXX, you are liable for damages of {$1000.00} for each violation of my rights under the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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:
I recently noticed late payments fr =om XXXX XXXX bank on my credit reports. Trans Union and XXXX XXXX XXXX  are in direct violation of my consumer rights. As a consumer I have the right to accurate credit reporting. I pay my car payments on time. TransUnion and XXXX XXXXXXXX XXXX  are also in violation of 15USC1681 - 15 USC 1681 b -15 USC 1681 { 2 } { a } { i }.

This company does not have written permission alone to report on my consumer reports.

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 2025-01-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: GA

Complaint narrative:
XXXX XXXX XXXX  were sued by the federal government for school misconduct. My application for XXXX XXXX XXXX as been denied. After calling the help number XXXXXXXX XXXX  XXXX I was given a vague reason as to why it was denied. " A variety of factors are considered in determining whether a private loan should be XXXX based on school misconduct and you do not meet the requirements for discharge. '' When I asked what type of documentation was missing, I was told that they couldn't share that information. I received no help or additional information on how the application could be addressed. In my initial application I submitted the court documents from XXXX XXXX which clearly lay out the joint complaint. I also attached XXXX  XXXX XXXX XXXX XXXX XXXX Summary which states that borrowers that attended from XX/XX/XXXX to XX/XX/XXXX are eligible for a discharge. ( I attended in XXXX ) I was told by the Mohela representative that I could not speak to anyone who reviews these cases and that she could not give me any information regarding my application. She was only able to state the vague reason for my denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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:
I am writing to formally request that you block the following fraudulent information from my credit report, as I am a victim of identity theft. Under Section XXXX of the Fair Credit Reporting Act ( FCRA ), I have the right to request that information resulting from identity theft be removed from my credit report.I have no knowledge of these accounts and have not authorized any transactions with the listed creditors. These accounts appear to be fraudulent, and it is highly likely that my personal information was used without my consent, which constitutes identity theft. 
In accordance with the Identity Theft and XXXX XXXX XXXX of XXXX ( XXXX XXXX. XXXX ), identity theft occurs when a person knowingly uses another individual 's personal information without consent for fraudulent purposes. Under this law, I am a victim of identity theft and therefore entitled to dispute any debts that arise from the unauthorized use of my information. Additionally, I have never entered into any contractual agreements with the creditors listed above. As there is no valid contract or evidence of my consent to these debts, I demand that you immediately remove these accounts from my credit report. 
Under the Fair Credit Reporting Act ( FCRA ), specifically Section XXXX ( XXXXXXXX XXXX XXXXXXXX ), I am entitled to dispute any information that is not accurate, incomplete, or can not be verified. Since I have no knowledge of these accounts and have not entered into any contractual relationship with these creditors, these accounts are clearly inaccurate and should be removed immediately.

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 2025-01-10 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: VA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-10 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: VA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-10 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: VA

Complaint narrative:
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 XXXX XXXX XXXX XXXX REPORTING Credit card reporting inaccurate late payments 5 at that have disputed these several times and come back accurate as someone bought off the credit and telling it's going to stay active. 
Auto loans or leases- XXXX loans date open unknown- {$1900.00} status fraudulent also hard XXXX inquiries XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  charge me to fix my credit did northing but take my money and still have bad credit help!

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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2025-01-10 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: VA

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) Complaint** XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX **Subject : ** Complaint Against TransUnion for Inaccurate Credit Reporting **Description of the Issue : ** I am writing to file a complaint against TransUnion for reporting inaccurate information on my credit report related to my OpenSky Capital Bank account XXXX 

**Details : ** - **Credit Reporting Agency : XXXX TransUnion - **Account in Question : ** XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  credit card balance increased from {$0.00} to {$17.00}. This information is factually incorrect. 

The inaccurate reporting of my credit card balance is a violation of the Fair Credit Reporting Act ( FCRA ) and is affecting my ability to obtain credit. 

**Action Requested : ** I request that TransUnion update/correct the information on my credit report, and provide confirmation of the resolution. Additionally, I seek assurance that this will not affect my credit standing further. 


Thank you for your attention to this matter. I look forward to your prompt response. 

**Sincerely CFPB TRANSUNION COMPANY REPORTING INACCURATE INFORMATION ACROSS OTHER PLATFORMS

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 2025-01-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am disputing the collection account with MIDLAND CREDIT MANAGEM, account number XXXX dated XX/XX/year>, with a balance of {$490.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that MIDLAND CREDIT MANAGEM provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: OH

Complaint narrative:
XX/XX/XXXX, I notice there was no change in my credit score so i dispute it through XXXX XXXX. XXXX XXXX came back and said, I was late on my car payment 30 days. I disputed that to. On XX/XX/XXXX, I notice my XXXX XXXX drop over XXXX points. I checked XXXX XXXX and TransUnion report to XXXX XXXX that I closed my XXXX  XXXX account, which is not true. I paid that account off in full. I reached to XXXX XXXX on XX/XX/XXXX, for proof that i paid that account in full. XXXX XXXX sent me a letter stating so.

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 2025-01-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: PA

Complaint narrative:
I am on Income Contingent payment plan, enrolled in PSLF payment tracker program. I am missing my payment history from XX/XX/XXXX through XX/XX/XXXX. I have documentation from both my bank payment history and Navient billing/payment history demonstrating payment on the loans. I have placed number feedback cases for assistance, each one closed with no action. I filed a reconsideration case with studentaid.gov on XX/XX/XXXX ( case number XXXX ). There has been no communication on the account status. 

This inaccurate accounting has delayed my eligibility for PSLF forgiveness. I work in a XXXX XXXX and previously worked in XXXX XXXX XXXX. All my PSLF employment verification is current. 

I call the studentaid.gov PSLF customer service line weekly for updates. Each week I am provided information that differs from the prior week. There appears to be no accountability and agents just share what they think to be true.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: VA

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) Complaint** XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX **Subject : ** Complaint Against TransUnion for Inaccurate Credit Reporting **Description of the Issue : ** I am writing to file a complaint against TransUnion for reporting inaccurate information on my credit report related to my XXXX XXXX XXXX account XXXX 

**Details : ** - **Credit Reporting Agency : ** TransUnion - **Account in Question : ** XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX credit card balance increased from {$0.00} to {$17.00}. This information is factually incorrect.

The inaccurate reporting of my credit card balance is a violation of the Fair Credit Reporting Act ( FCRA ) and is affecting my ability to obtain credit. 

**Action Requested : ** I request that TransUnion update/correct the information on my credit report, and provide confirmation of the resolution. Additionally, I seek assurance that this will not affect my credit standing further. 


Thank you for your attention to this matter. I look forward to your prompt response. 

**Sincerely CFPB TRANSUNION COMPANY REPORTING INACCURATE INFORMATION ACROSS OTHER PLATFORMS

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