vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: NV

Complaint narrative:
On XX/XX/year> I made a payment of {$19000.00} to payoff loans XXXX XXXX XXXX XXXX  and XXXX. The balances that I paid off are listed as follows : Loan XXXX  XXXX {$4400.00} Loan XXXX XXXX {$3900.00} Loan XXXX XXXX {$5400.00} Loan XXXX  XXXX {$5600.00} Only Loan XXXX  XXXX is being shown as paid in full. I have called 3 times requesting them to show loans XXXX XXXX XXXX  XXXX and XXXX XXXX as paid in full and they keep saying those loans have a XXXX balance, however, I keep getting statements showing there are still balances on those loans. My total balance owed on the website is showing as correct but those loans still don't show as paid off and I keep getting statements showing a remaining balance despite it not matching up with the website. 

I am attaching the last statement I was sent that shows a balance of {$600.00} for loan XXXX XXXX, balance of {$120.00} for loan XXXX XXXX and balance of {$130.00} on the statement. But when you look at the website it shows XXXX balances for those loans. 

I am attaching statements for loans XXXX, XXXX and XXXX showing XXXX balance as well as the most recent statement that shows remaining balances Loans XXXX XXXX XXXX XXXX, and XXXX XXXX need to show as paid in full as those balances have been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
I was involved in the large data breach of XXXX XXXX due to XXXX 's abject failure to secure our data, and was offered credit monitoring from Experian. When I tried to create the account, the site errored out and said it could not verify my identity. I called Experian multiple times trying to resolve this issue and was given the runaround. Excuses varied from " our membership system is down '' to a representative will follow up within 48 hours '' over many calls and emails. I finally gave up. I was at least able to freeze my credit using their phone system but that is small consolation. They have some of the worst customer service of any company I have ever dealt with, financial or otherwise. Truly incompetent and uncaring.

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 2025-02-14 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: CA

Complaint narrative:
For years dating back to 2018, my personal name, date of birth, addresses, phone numbers, and email have been leaked in multiple data breaches. 
Some companies include XXXX, Equifax, XXXX  XXXX XXXX, XXXX XXXX, and XXXX. Someone has continued to use my information to try to open up accounts in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: MD

Complaint narrative:
I have attached documentation from the appropriate authorities to support my claims. I would be grateful if you could promptly remove the fraudulent entries from my credit report and take the necessary steps to rectify any inaccuracies or fraudulent activities because I already file a complaint again for these items.

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 2025-02-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of XXXX XXXX XXXX XXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-02-14 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: SC

Complaint narrative:
I just recently received and reviewed my credit report and I found several inaccuracies. This is my statement that the listed accounts, inquiries and personal information that is on this FTC report and on the letter enclosed with it have been reported without my permission or written consent and therefore is a result of identity theft and must be removed. They are not related to any transactions made by me the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 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: NV

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: NV

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 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: GA

Complaint narrative:
**Subject : Request for Credit Score Review and Correction** **To : Experian Dispute Department** **Date : [ XX/XX/XXXX ] ** **Regarding : Unwarranted Credit Score Decrease** Dear Experian Dispute Team, I am writing to formally dispute the recent 15-point decrease in my credit score, as reflected in my Experian credit report dated XX/XX/XXXX. My score decreased from XXXX on XX/XX/XXXX, to XXXX on XX/XX/XXXX. 

Upon reviewing my credit report, I have confirmed that there have been no late payments, no increase in debt balances, or any other negative activities that would justify this significant decrease. 

I kindly request that you provide a detailed explanation for this score fluctuation. Additionally, if no legitimate reason can be identified, I ask that my credit score be corrected by reinstating the 15 points that were unjustly deducted.

Attached are screenshots of my credit reports from the respective dates, which clearly illustrate the change. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution. Should you require any further information, feel free to contact me at **Sincerely, ** XXXX C XXXX XXXX XXXX XXXX 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 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I disputed inaccurate information on my credit report with Equifax. Instead of conducting a proper investigation, Equifax has repeatedly sent me stall letters and refuses to provide proof of verification. I then sent a Method of Verification request, requesting details on how they verified the disputed information. Instead of complying, they sent another generic response without actual proof. Equifax is currently being sued by the CFPB for failing to properly investigate consumer disputes, and I am experiencing the same issue. They are violating the FCRA by : - Refusing to provide proper verification of disputed accounts. - Sending generic stall letters instead of conducting a real investigation. - Continuing to report inaccurate information without verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Marlette Funding, LLC
State: FL

Complaint narrative:
Subject : Complaint Regarding FCRA and FDCPA Violations by XXXX XXXX I am writing to file a formal complaint against XXXX XXXX for multiple violations listed below of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Over the past several months, XXXX XXXX has repeatedly re-aged the account on my credit report, which has caused significant damage to my credit score. 

Details of Violations : XXXX. Re-aging of Account XXXX XXXX has continuously updated the dates on this account, making it appear as though these debt is more recent than they actually is. This practice is in direct violation of the FCRA, which prohibits the re-aging of debts to extend the reporting period. 
XXXX. XXXX XXXX ACCOUNT XXXX : XXXX a. STATUS DATE : CHARGED OFF XX/XX/year> STATUS DATE : XX/XX/year> LAST UPDATED DATE : N/A b. CHARGE OFF EACH MONTH XX/XX/XXXX XX/XX/year> - XXXX instances XXXX. Damage to Credit Score : Due to the repeated re-aging of these account, my credit score has been negatively impacted. This has resulted in higher interest rates on loans and credit cards, as well as difficulty in obtaining new credit. 

XXXX. Monthly Penalties : According to the FCRA, violations can result in penalties of up to {$1000.00} per month for each violation. Given that this has been occurring for several months per account, the total potential penalty could be {$9000.00}. 

XXXX. Continued Updates : Despite my repeated attempts to resolve this issue through my attorney with Synchrony Bank, the account continue to be updated monthly, further exacerbating the damage to my credit score.

Since these disputes have been ongoing through my attorney for over a year without corrections, the 30 day time frame is forfeit.

Supporting Documentation : Attached to this complaint are copies of my credit reports that support my claims : my attorney has been diligent in trying to get responses from them, sometimes to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: NJ

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
The company has put hard inquiries on my credit report.i have not given them permission to run my credit report. They do not have my written consent to pull my credit report. These it I identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: United Collection Bureau, Inc.
State: VA

Complaint narrative:
Good afternoon, this company " United Collection Bureau , Inc. '' contacted my mother three times. Once on XX/XX/XXXX at XXXX, another on XX/XX/XXXX at XXXX, and a third time today on XX/XX/XXXX at XXXX. My mother decided to call the number and they told her they were collecting a debt from me. I understand that under federal law they can contact a family member to get in contact with me, but I thought disclosing why wasn't legal. I understand they're doing their job but they have no right to disclose that personal information to my family member and constantly harass them either.

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 2025-02-14 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: FL

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Credit card — Store credit 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I purchased a XXXX from XXXX in XX/XX/year>. The item was missing major parts so they arranged for a pickup/return. 

I returned the item and XXXX was not refunding the money. I disputed the charge with Chase and the charge was reversed in XX/XX/year> Then Chase Rebilled the charge in XX/XX/year> without my knowledge and consent and for no reason. 

I have faxed several disputes and made many phone calls an no one will reverse the rebill. This is fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am disputing the inaccuracies on my credit report as they are having a direct negative impact on my financial standing and creditworthiness. Despite several attempts to resolve these issues, the same errors keep resurfacing on my report. These recurring mistakes are not only hurting my credit score but also hindering my ability to obtain financial opportunities. It is crucial that these inaccuracies be thoroughly investigated and corrected without delay. 


If these issues are not resolved in a timely manner, I will be pursuing legal action for any potential damages caused, including compensation for violations under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

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 2025-02-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: MO

Complaint narrative:
My personal information has been compromised by XXXX data breach as well as XXXX XXXX and trust. Ive also had fraudulent accounts open with XXXX one that Ive been disputing for years. All of the accounts keep coming back verified with no proof of how it was verified. Ive never signed or gave anyone authorization to use my personal information. Ive had a fraud alert on my consumer report for years and still someone was still granted credit using my information. To my records the information you are reporting on this account is inaccurate. I demand that you remove this information from my credit report immediately.

By the provisions of the Fair Credit Reporting Act of 1970, 15 U.S.C. 1681 et seq., I demand that these items be reinvestigated and deleted from my credit record.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: AR Resources, Inc.
State: AL

Complaint narrative:
Under XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ), I request that you investigate this matter and provide me with verification of the debt, including : XXXX. Proof that this account belongs to me XXXX. A copy of the original signed agreement or contract XXXX. Documentation showing the legal right of the collection agency to report this debt Additionally, under XXXX XXXX. XXXX ( a ) ( XXXX ), information furnishers are required to report only accurate and complete information. If the creditor or collection agency can not verify the accuracy of this account, you are legally required to remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: TN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

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