vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-29 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 reviewed my credit report and noticed an account XXXX. It shows the reported balance as {$700.00} and the available credit as {$120.00}. It further shows the account was charged off. I do not have an account with this entity. I have asked the entity and Equifax multiple times for statements and original agreement providing validation and verification that this is my account. To date, I still have not received anything. It shows date of opening as XX/XX/XXXX, and date reported as XX/XX/XXXX and date of last payment as XX/XX/XXXX. It further shows Date first delinquency reported as XX/XX/XXXX. I do not have any business with this entity nor have I ever done business with them. I ask that this fraudulent account be removed from my report. I did receive a letter from a debt collector on this account, but when I asked for further information, I was informed by the debt collector XXXX XXXX that they were unable to find anything regarding this account under my information. Every time I inquire about this with Equifax, they send a letter stating they do not have a credit file under my name, but then they respond that they verified everything is accurate and they do not send any information showing what was used to verify it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: VT

Complaint narrative:
Request improper information to be removed from my credit report. I've been writing these credit bureau to validate or remove information immediately. And update to one name one address on my cerdit report, things coming back verified that are not my loans or cerdit cards, that is being reported

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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Identity theft, XXXX XXXX I called the equifax and report that I got stolen identity they got all my information including my social security and they Ill said they take action for this and they ask my social security number so they can freeze my credit and they can monitor my information and they will giving me a pin for text messages so I can identify if is was me, they also ask me to get liability insurance so Ill pay almost XXXXXXXX XXXX to get monitoring my account. Until now I Havent get any text messages alert and I got a new credit card that I dont even applied .My information is being used to dark web .I also filed a policed report but that told me that I dont need to call them again, I really need some helped because they took all my identity, my phone service, XXXX account email address and even social accounts has been change to a different password the more I concern is my social security that they been using to run my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally demand the immediate deletion of the following accounts from my Experian credit report. These accounts are unknown to me and inaccurately associated with my credit profile. Below are the details of the disputed accounts : XXXX XXXX XXXX Account Number : XXXX Creditor Address : XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX XXXX XXXX  Account Number : XXXX Creditor Address : XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Creditor Address : XXXXXXXX XXXX XXXXXXXX Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure that only accurate and verifiable information appears on my credit report. Since I do not recognize these accounts and they lack substantiating documentation, I demand their immediate deletion from 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 2025-01-29 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: NY

Complaint narrative:
In Accordance with the Fair Credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Th

e 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. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-01-29 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: John C. Heath, Attorney at Law, PLLC
State: NC

Complaint narrative:
Will not return money that I have paid for over a year XXXX XXXX  a month for Lexington law to fix credit they have not done anything!! And will not give me any of my money back I have been paying them for nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: TX

Complaint narrative:
I've made several attempts to address the fraudulent inquiries and accounts on my credit report, but they remain unresolved. These entries are not mine, and I am not responsible for them. They have caused significant stress and financial hardship. As a victim of identity theft, I may be forced to pursue legal action if this issue is not resolved promptly. These inaccuracies have hindered my ability to purchase a home and provide for my family, severely impacting my financial stability.

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 2025-01-29 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:
I've made several attempts to address the fraudulent inquiries and accounts on my credit report, but they remain unresolved. These entries are not mine, and I am not responsible for them. They have caused significant stress and financial hardship. As a victim of identity theft, I may be forced to pursue legal action if this issue is not resolved promptly. These inaccuracies have hindered my ability to purchase a home and provide for my family, severely impacting my financial stability.

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 2025-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Please have this charge removed from my credit report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: GA

Complaint narrative:
I have been back and forth with Experian. I have submitted police report number and reports. The agency continues to be everything short of professional and proficient. Ive received multiple confusing emails, some indicating my dispute is done, other saying my police report wasnt legit. I am attaching the last communication. I requested expedited review, as I will be homeless/displaced if I cant sign a lease due to the reporting that should have been removed. I also have a XXXX. I was on hold for over an hour, only for the call to be disconnected.

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 2025-01-29 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: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CO

Complaint narrative:
MOHELA.STUDENTAID.GOV, IS SERVICING MY STUDENT LOAN. I DROPPED OUT OF SCHOOL XXXX OF 2024. I HAD STARTED MAKING PAYMENTS LAST YEAR. WHEN I SUBMIT PAYMENT THRU AUTOPAY, THEY RECEIVE THE PAYMENT JUST TO REFUND MY PAYMENT BACK INTO MY ACCOUNT, THEN MAKE MY ACCOUNT PAST DUE WITHOUT NOTICE. I CALLED MOHELA SEVERAL TIMES THROUGH OUT THE WEEK, DIFFERENT TIMES AND THEY HAVE A XXXX XXXX WAIT. I EMAILED THEM AND NO RESPONSE. IVE READ ONLINE THAT SEVERAL STUDENTS BEEN HAVING THE SAME ISSUE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: MA

Complaint narrative:
I am filling a complaint againt equifax for faiiling to properly investigate my dispute regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ). 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ) 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ) as highlighted in the CFPB 's recent administrative proceeding ( file No. 2025-CFPB-0002 ) against them for the similar violations. I request that the CFPB take action to ensure Wquifax complies with federal law and provides consumes with the necessary proof of investigation. 



These are the accounts marked inaccurate : XXXX Bank account number : XXXX -XXXX  bank account number : XXXX -XXXX  bank account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I am filing this complain regarding an inaccurate item on my credit report. That continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history.

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 2025-01-29 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:
my ex-wife Many years ago used my personal information without my permission and used for bad porpoise I never authorized that she apply for a credit card and used

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 2025-01-29 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: NY

Complaint narrative:
my XXXX  Many years ago used my personal information without my permission and used for bad porpoise I never authorized that she apply for a credit card and used

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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:
my XXXX Many years ago used my personal information without my permission and used for bad porpoise I never authorized that she apply for a credit card and used

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 2025-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: Block, Inc.
State: TX

Complaint narrative:
Money being taken out of my account when it's being deposit into my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
Dear National Credit Systems , Inc., I am writing regarding an alleged debt that you claim I owe. I am formally requesting, pursuant to federal law, validation of this debt. Additionally, I am issuing a cease-and-desist request for all communications, including reporting to credit reporting agencies, until you provide full and complete validation. Under XXXX XXXX. XXXX of the Fair Debt Collection Practices Act ( FDCPA ) and related provisions under the Fair Credit Reporting Act ( FCRA ), I am requesting the following documentation without exception : 1. Assignment Agreement : Proof of an assignment agreement between National Credit Systems , Inc., and the original creditor, authorizing your collection activity. 

2. Proof of Debt Ownership : Documentation showing that you own or have the legal right to collect this alleged debt.

3. Debt Details : A full breakdown of the alleged debt, including the original amount, any interest, fees, and other charges.

4. Payment History : A comprehensive payment history, including all debits and credits applied to the alleged debt.

5. Proof Debt is Not Time-Barred : Verification that this debt is within the applicable statute of limitations.

6. Licensing Information : Confirmation that your agency is properly licensed to collect debts in my state, with licensing details.

7. Cancellation Status : Any documentation or communication confirming the cancellation or resolution of the alleged debt.

8. Contracts and Agreements : Copies of any contracts, agreements, or other documentation bearing my signature as evidence of my obligation to repay the alleged debt, including any agreements with National Credit Systems, Inc Until all the requested information is provided, I hereby demand that you cease all communication with me, including any interactions or reporting with credit reporting agencies, effective immediately. Additionally, if validation is not provided as required by federal law, I will file an identity theft report with the Federal Trade Commission ( FTC ). Please be reminded that continued collection efforts without proper validation are in violation of federal law, including but not limited to : XXXXXXXX XXXX XXXX : Prohibiting the use of false, deceptive, or misleading representations in connection with debt collection. 

XXXX XXXX. XXXX : Prohibiting unfair or unconscionable means to collect or attempt to collect any debt. 

XXXX XXXX. XXXX : Requiring permissible purpose for obtaining and reporting consumer credit information. 

I expect your prompt and full compliance with these requests and look forward to receiving your complete response within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am a victim of identity theft fraud and have provided supportive documentation however, it's still not being resolved it becomes very frustrating while accounts and information is still reporting in results of being a victim the following items I have not authorized and don't belong to me are the following items : Addresses XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX CT, XXXX XXXX, NJ XXXX Employment XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAP XXXX VIA DEALER, XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/year> 2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My card and ID home keys were lost and my card was used in a different state I have reported to police and I have opened case also called my bank and faxed my flight information that I wasnt in town also Wells Fargo said I called on the XX/XX/XXXX to report it and thats they say I found out but in the letter they sent it say I didnt report it until mid of XXXX. 
I didnt make the purchase and the transaction are fraud but Wells Fargo closed my account and sent tit collection. I personally tried with merchants but my bank credit card didnt not 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