vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I applied for the XXXX XXXX XXXX and they denied it due to a bankrupcy from 14 years ago and i called to have them relook at it and i feel i am being getting discriminated against for something that i should not be

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Name : XXXX XXXX XXXX XXXX. 
Address : XXXX XXXX  XXXX XXXX XXXX XXXX, Tx XXXX Last 4 of my SSN : XXXX Date of Birth : XX/XX/XXXX PERMISSABLE PURPOSE LETTER Equifax Experian Transunion RE : Last 4 SSN : XXXX To whom it may concern, I, XXXX XXXX XXXX XXXX never gave Experian, Transunion, Equifax any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached to this dispute.

You also do not have any permissible purpose to furnish my personal information to any third party.

15 US 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

To all parties involved, EXPERIAN TRANSUNION XXXX XXXXXXXX XXXX XXXX, this is a cease and desist order. Remove fraudulent debt from my consumer reports within 30 days. 
As a consumer, I am demanding the deletion of the following account ( XXXX ). 
Names : XXXX XXXX ID # : XXXX XXXX T XXXX ID # : XXXX XXXX XXXX ID # : XXXX XXXX T XXXX ID # : XXXX Change XXXX ID # : XXXX XXXX XXXX  ID # : XXXX Addresses : XXXX XXXX XXXX. XXXX XXXX Tx, XXXX ; ID # : XXXX XXXX XXXX XXXX. XXXX XXXX Tx, XXXX ; ID # : XXXX XXXX XXXX XXXX. XXXX XXXX Tx, XXXX ; ID # : XXXX XXXX XXXX XXXX. XXXX Tx, XXXX ; ID # : XXXX XXXXXXXX XXXX XXXX  XXXX XXXX Tx XXXX XXXX ; ID # ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Tx, XXXX XXXX ID # : XXXX Collections : XXXX  XXXX XXXX XX/XX/XXXX ; Total : {$480.00} Collection XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX {$1300.00} XXXX  XXXX XXXX XXXXXXXX XX/XX/XXXX ; Total : {$1200.00} XXXX XXXX  XXXX XX/XX/XXXX ; Total : {$640.00} XXXX XXXX XXXX XXXX XX/XX/XXXX ; Total : {$0.00} XXXX XXXX XXXX XX/XX/XXXX ; Total : {$2900.00} XXXX XXXX XXXX XX/XX/XXXX ; Total : {$2000.00} Hard Inquiries : XXXX  XXXX  ; Inquired on XX/XX/XXXX Again, due to the lack of my consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses. Due to me being victim of identity theft, so be it, and Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Equifax, Experian, TransUnion is in violation of 15 USC 1692c/b.

Thank You, I swear to all information provided herein, I do so under the penalty of perjury that the

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Noticed unauthorized inquires on my credit report and would like it to be removed. 
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 XXXXXX/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 non-monetary relief
Consumer complaint received 2025-02-18 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: MI

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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 2025-02-18 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: MS

Complaint narrative:
I have not made a payment since XX/XX/2017on this account but every month for the past four years, it shows that I have made a payment for each month so it stays " current ''. It should have dropped off my credit reports by now but thanks to this error, it still burdens me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: EQUIFAX, INC.
State: NY

Complaint narrative:
My name is XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: CA

Complaint narrative:
I am formally disputing the following late payment entries on my credit report : XXXX XXXX XX/XX/year> {$0.00} XXXX  XXXX XXXX XX/XX/year> {$0.00} XXXX XXXX XXXX XX/XX/year> {$0.00} XXXX These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 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: TX

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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 2025-02-18 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: IL

Complaint narrative:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX Balance Owed : {$690.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$21000.00}

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 2025-02-18 00:00:00
Product: Debt collection — I do not know
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:
XXXX has violated a Cease and Desist communication and has failed to provide the following upon request : XXXX. A XXXX of XXXX, XXXX. A 1099-C form, XXXX. A signed contract between myself and XXXX, XXXX. A copy of any insurance claims related to this matter. 

Additionally, XXXX has violated the Fair Credit Reporting Act ( FCRA ) by failing to properly verify and validate the debt as required under Section 609 ( 15 U.S.C. 1681g ) and not adhering to the requirements for dispute resolution and documentation under Section 611 ( 15 U.S.C. 1681i ). 

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. 

They furnished this account that we didn't agree upon, and I didn't sign an agreement on it. A legal contract is signed by two parties, and I did not participate in any of it. They didn't follow the proper XXXX validation procedure, which makes this unfair. I never received a dining letter or any communication prior to this account being furnished on my credit report. 

According to the FDCPA, I'm entitled to {$1000.00} per violation and they clearly violated my rights. 

Resolution Section I demand this company delete this account from all XXXX credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney. 

My information has appeared in several different data breaches. 

I have also been a victim of Experian 's faulty investigations. 

They have also violated 15 U.S.C. 1681, part of the Fair Credit Reporting Act ( FCRA ), which regulates access to consumer credit reports and protects the privacy of personal information. 

They also claim to be an Original Creditor but they can not produce a contract with my signature between us.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 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: CA

Complaint narrative:
I am formally disputing the following negative items on my credit report : XXXX CARD XXXX XX/XX/XXXX {$670.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$400.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$1400.00} XXXX  These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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 2025-02-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I asked for company to validate the debt. They did not send proof They have violated my rights as a consumer please have them remove immediately THIS IS NOT MY DEBT ACCOUNT ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: FL

Complaint narrative:
I asked for company to validate the debt. They did not send proof They have violated my rights as a consumer please have them remove immediately THIS IS NOT MY DEBT ACCOUNT ; XXXX XXXX XXXX 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 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Resurgent Capital Services L.P.
State: MN

Complaint narrative:
I requested that this company remove this from my credit file because I did not open this account and it has yet to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: NJ

Complaint narrative:
i'm just learning that i may be a consumer affected by fraud with XXXX  XXXX XXXX and other banks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
i'm just learning that i may be a consumer affected by fraud with XXXX  XXXX XXXX and other banks.

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 2025-02-18 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: Chime Financial Inc
State: NJ

Complaint narrative:
i'm just learning that i may be a consumer affected by fraud with XXXX  XXXX XXXX and other banks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: OH

Complaint narrative:
3 debt collections companies have published debts onto my credit report made in my former name, with my ssn, the I did not make. 
XXXX XXXX XXXX XXXX behalf of XXXX XXXX XXXX XXXX lease was XXXX XXXX, {$7300.00} XXXX XXXX, on behalf XXXX XXXX @ XXXX XXXX in XXXX XXXXXXXX was XXXX, {$7900.00} XXXX, on behalf of XXXX on XXXX in XXXX XXXXXXXX {$8200.00} My identity has been stolen, and used at these properties in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
My mortgage loan was sold to NewRez on XX/XX/year>. The did not honor the modification balance. 
Ive made numerous attempts to resolve this. I have shared legal paperwork. 

They send me written documents confirming they resorted back to the original amount. See attachments.

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 2025-02-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Around XXXX months ago, I found out I was the victim of identity theft. my XXXX was hacked and the hackers were able to charge the cards that I had on file. it was XXXX charges ranging from XXXX to XXXX, totaling around {$12000.00}. Luckily, I only had my XXXX XXXX and my Wells Fargo card on there. I was panicking and very stressed out as Ive never been in a situation like this. My friend advised me to dispute these balances with the credit bureaus, and I thought that would be the best course of action. Dealing with the credit bureaus has been a long and tedious process with a large amount of time in between their responses. I later realized that I shouldve contacted the credit card companies directly as well. I contacted Wells Fargo on XX/XX/XXXX to dispute the charges. I called again a month later on XX/XX/XXXX asking for an update and why I havent been issued temporary credit. I was on the phone for over an hour when I contacted in XXXX, yet during my call in XXXX, they claim that my dispute was never filed. This was extremely frustrating, but I went ahead and filed my dispute again. I called again on XX/XX/year> to ask for updates and why they still havent issued me temporary credit. The representative was not very helpful and she kept repeating that I was not responsible for making any payments to the disputed amount, yet the disputed amount is my entire balance on the card. She then said that the delay could be because of the size and the amount of transactions. Since she wasnt very helpful, I decided to call again the next day. This representative was much more understanding of my dilemma. He was able to find out that my claim had already been denied, but he was unable to give a reason as to why. This was also extremely frustrating because I didnt even get the chance to present my side of the story. XXXX XXXX asked for more information when I filed my dispute and resolved it properly in less than XXXX weeks. It almost felt like Wells Fargo didnt even care to do any research into this claim. Now almost a year later, I am back at stage one. Extremely stressed out and dont know what else to do and Im living in fear of having to bear responsibility for this egregious debt that isnt mine. 

The claim number is XXXX. When I called Wells Fargo they said they use the old credit card number as the reference number. 

Attached is a letter in the mail that I received in the Fall about my data being involved in a data breach around the time my identity was stolen. Im not sure if its correlated, but thought Id include it just in case. 

Any help would be greatly appreciated!

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 2025-02-18 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: CA

Complaint narrative:
I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. 

To reiterate, the item in question is : 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 2025-02-18 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: OH

Complaint narrative:
Under XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX These are just a few of the times I disputed this account and things were removed and placed back on the 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