vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-08 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: OH

Complaint narrative:
I've been harassed by XXXX XXXX XXXX. under 15 U.S. Code 1692e - False or misleading representations. I continue to receive letter for 3 different credit card debt and the most recent is being threatened to sue me. This debt was investigated by XXXX XXXXXXXX XXXX, and deemed as fraudulent and doesn't belong to me. This issue is causing undue stress and XXXX. Here 've stopped answering my phone for unknown numbers because of the continuous harassment. Also, negatively affecting my financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: OH

Complaint narrative:
I've been harassed by XXXX XXXX XXXX. under 15 U.S. Code 1692e - False or misleading representations. I continue to receive letter for 3 different credit card debt and the most recent is being threatened to sue me. This debt was investigated by XXXX XXXXXXXX XXXX, and deemed as fraudulent and doesn't belong to me. This issue is causing undue stress and anxiety. Here 've stopped answering my phone for unknown numbers because of the continuous harassment. Also, negatively affecting my financial standing.

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 2025-01-08 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.

Complaint narrative:
Certainly, heres the updated cease-and-desist letter incorporating XXXX Credit Managements address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX EMAIL ( XXXX ) CELL : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX CREDITOR XXXX { XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX SC XXXX } XXXX XXXX XXXX { XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Cease and Desist Notice Regarding Unauthorized Reporting of Account Information Dear XXXX XXXX Department and XXXX XXXX XXXX XXXX XXXX XXXX I am writing to formally demand that both XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX immediately cease and desist from reporting inaccurate and damaging information related to my credit file, specifically regarding an account with XXXX XXXX XXXX XXXX which is being incorrectly reported. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, both entities are obligated to ensure the accuracy and confidentiality of consumer information. Specifically, your reporting of this account includes inaccurate payment information and derogatory remarks that have not been properly validated. The specific account in question is listed under XXXX XXXX XXXX , with remarks indicating the account is 180 days past due. I dispute this information and demand that both XXXX and XXXX XXXX XXXX conduct an immediate investigation and remove this inaccurate entry from my credit report. In compliance with the FCRA, you are required to : 1. Ensure the accuracy of the information being reported. 2. Refrain from reporting unverifiable or inaccurate information. 3. Provide prompt corrections or deletions of disputed entries. Failure to comply with these requirements violates my rights under the FCRA and could result in legal action. I expect a written response confirming that this disputed entry has been removed from my credit report within 30 days. If you fail to comply, I reserve the right to take further legal action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and pursuing damages as permitted under federal law. Thank you for your immediate attention to this matter. I want all this erased from my credit repot whith a conformation letter sent to my address showing an acknowledging its complete Georgia Drivers License Number : [ XXXX ] Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cedars Business Services, LLC
State: AZ

Complaint narrative:
I have sent multiple letter to XXXX to verify debt and that to state that I have never had contact with Cedars Business Services LLC about said debt. XXXX has deleted debt colleter from my XXXX credit report. they keep harassing me through email everyday. I have attached the letter I sent to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am deeply troubled by the presence of this late payment on my account, given my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: NY

Complaint narrative:
The unverified accounts listed below continue to appear on my credit report despite several written requests, which constitutes a violation of federal law. In my previous letter to the 3 credit bureaus, I did not receive a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated. Should you fail to authenticate these accounts, I will have no choice but to pursue legal action. I urge you to comply with the law so that this matter can be resolved promptly. 
XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$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 explanation
Consumer complaint received 2025-01-08 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: CA

Complaint narrative:
Dear Sir or Madam : I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX.

Attached to this letter is all necessary victim determination documentation needed to remove this adverse information on my report. According to section 605B, The Transunion reporting agency must remove this negative information within 4 business days of my written notice. All adverse information in my consumer FICO report has been attached to this letter in a PDF attachment, listing all accounts.

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 2025-01-08 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: LA

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX # XXXX XX/XX/year> -- {$25000.00}

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 explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following 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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I have XXXX hard inquiries from taking in the month of XX/XX/year> ( XXXX, XXXX ) from a variety of auto lenders. These inquiries occurred in XXXX. I do not live in XXXX, nor have I ever lived in XXXX  or attempted to buy a vehicle. Please help remove these.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
I have XXXX hard inquiries from taking in the month of XX/XX/year> ( XXXX, XXXX ) from a variety of auto lenders. These inquiries occurred in XXXX. I do not live in XXXX, nor have I ever lived in XXXX  or attempted to buy a vehicle. Please help remove these.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: GA

Complaint narrative:
In all my credit bureaus ed financial has showed late payments when they werent late. I was doing a loan consolidation and they put me as having XXXX loans and late back XXXX  when it was the customer service rep fault. Anyway come till this year. I received a borrowers defense loan forgiveness and according to student .gov all negative history must be deleted. I have disputed these acct and they wont delete off my credit report. I have worked really hard not to have anything negative in my report and have good credit. Ed financial took my late payments when it was from fed financial and when the goverm changed the loans all around over and over doing covid. I want my history wiped out as states by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: TX

Complaint narrative:
I recently discovered that On XX/XX/year> I received an email from federal student aid indicating my loans from the XXXX XXXX would be discharge. The letter indicated that I did not have do anything. My loans would be automatically forgiven. On XX/XX/year>, I applied for borrower defense for the XXXX XXXX XXXX of XXXX. On XX/XX/year> I filled out an application for XXXX XXXX XXXX. On XXXX I received a letter in the mail from my XXXX, Aidvantage which stated " we received an overpayment for XXXX was owed a refund.Once contact information has been verified a refund will be sent within XXXX. '' If they determine I am not eligble, they would let me know. Once contact information has been verified a refund will be sent within XXXX. '' I verified my address with Aidvantage at least XXXX times since. My aidvantage account does not reflect and discharge or refund processing. I believe putting in XXXX recent borrower defense applications may have restarted the review process. The servicer keeps ensuring that is not the case. the XXXX XXXX XXXX XXXXXXXX XXXX XXXX, and Aidvantage only see the status of my recently submitted applications. which is in review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: CA

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 non-monetary relief
Consumer complaint received 2025-01-08 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: CA

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 2025-01-08 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: AR

Complaint narrative:
There is a loan on my credit report that was financed with XXXX. The account is now charged off. I have been told by my CPA that should have received a XXXX. He also stated that if they can not provide the XXXX then it should be removed from my credit report. 

Thanks for any assistance you can provide.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: PA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX  Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX XXXX  BALANCED {$8400.00} XXXX XXXX XXXX BALANCED {$460.00} XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX BALANCED {$1600.00} XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX XXXX XXXX {$1600.00}

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 explanation
Consumer complaint received 2025-01-08 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: MA

Complaint narrative:
Over Inaccurate and Unverifiable Credit Reporting I am filing this complaint to address inaccuracies and procedural violations in my credit report regarding two accounts : XXXX. XXXX XXXX XXXX  : This account is reported as having a XXXX late payment, which I believe is inaccurate. No sufficient evidence or validation has been provided to prove the legitimacy of this late payment. 
XXXX. XXXX ( XXXX XXXX  ) : This account is listed as a charge-off, but there are discrepancies in the balances, account statuses, and dates reported across credit bureaus. Additionally, I have not received proper validation from XXXX to substantiate their reporting. 

I have disputed these accounts with the credit bureaus and the original creditors. However, I have not received proper documentation or resolution as required under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Key issues include : Failure to verify and validate the accuracy of the reported information. 
Discrepancies in reporting across credit bureaus. 
Lack of proper notification of negative reporting by the creditors. 
Procedural failures by the credit bureaus to adequately investigate my disputes. 

I am requesting that these accounts be removed from my credit report 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 2025-01-08 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 have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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 explanation
Consumer complaint received 2025-01-08 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: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : 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 2025-01-08 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: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : 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