vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I requested by certified mail to XXXX, remove the account XXXX XXXX, it is reported by the IRS as a canceled debt since XXXX, tracking number XXXX, the above tracking number show the payment of XXXX canceled debt payment for XXXX.XXXX  is still reporting this account as a debt on my credit report.up dated XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I need your help to investigate accounts from these companies that have reported late payments incorrectly. Upon reviewing my credit report, I found some accounts marked with late payments, which should not be the case. No late payment remarks should appear on these 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 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
EQUIFAX I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family. 
EXPERIAN Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family. 
TRANSUNION I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-02-04 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:
please check information concerning the equifax data breach in attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: FL

Complaint narrative:
please check information concerning the equifax data breach in 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 non-monetary relief
Consumer complaint received 2025-02-04 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: TX

Complaint narrative:
Fraud accounts on my credit need to be removed please

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2025-02-04 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: MD

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: CA

Complaint narrative:
These hard inquiries are fraudulent and do not belong to me. 

XXXX - XX/XX/year>, XXXX XXXX XXXX - XX/XX/year>, XXXX - XX/XX/year>, XXXX - XX/XX/year>, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Continental Services Group, Inc. d/b/a ConServe
State: TX

Complaint narrative:
My credit was checked because I was applying for a home loan. I was told that I had a student loan of {$860.00}. And also a debt of {$600.00} from XXXX XXXX in which I knew nothing about. On.XXXX I called XXXX XXXX XXXX to see if I can set up a payment for the debt in question. I was informed that they could not find any debt Previously or presentlyin their records. Pn XX/XX/25 I looked up my own credit, I also saw the debt and found the 3rd party in which the so-called debt was sold to called Conserve. I spoke with a representative. She went back-and-forth with me about this debt and I was trying to explain to her that I spoke with someone at the college, and they insisted that there was not a debt owed by me. The representative from the college also stated that they could call them and they would tell them that its not a balance in my name. The agent I spoke with from conserve was not trying to give any information as to how to fix this she was just trying to collect money that the college said I didnt even owe in the first place. The conversation ended with her not listening, being rude and hanging up in my face. I then called XXXX XXXX and their idea of fixing the issue was to pay them {$140.00} a month to correct something that shouldnt even be on my credit in the first place, which was crazy to me if there is no debt why am I paying you {$140.00} to correct something that shouldnt be on my credit in the first place along with the other {$600.00} debt. He kept repeating about the {$140.00} until finally I told him thank you but no thank you because that was unfair. He was doing a plug to get the {$140.00} more than trying to help me with figuring out where the issue came from in the first place. On the 2nd debt of {$600.00} I have no recollection of owing any money to XXXX  XXXXXXXX XXXX. So I tried to call that third-party and I ask about a 1099C form because I saw that it was a charge off and that person act like they were unaware of what I was speaking of.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: GA

Complaint narrative:
I cant stress enough how frustrated I am with the errors on my report. These inaccuracies are dragging my score down and costing me real opportunities. Ive worked hard to manage my finances, and its completely unfair to see my efforts undone by someone elses mistakes.

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 2025-02-04 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
15 usc 1692c ( c ) If a consumer notifies a debt collector that consumer refuses to pay a debt, the debt collector must cease all communication.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This debt was made back in XXXX and I feel on hard times in XXXX and I couldnt pay it so I just let it go into collections and now they changed the date to XXXX with a 1099 attached to it, with that saying isnt that illegal to change it to XXXX? The statute of limitation in California says that you can not put something on a person Credit report after XXXX years. Please help me stop these letters from coming to me? Thanks a lot

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OK

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: OH

Complaint narrative:
My credit report shows that I owe {$190000.00} to Mohela. In my XXXX credit report I can see the " original loan amount '' listed as {$23000.00} which is correct. The " amount paid '' is listed as - {$160000.00}. So when you take XXXX - ( - ) XXXX = XXXX which is the " remaining balance '' listed. When you minus a negative number they add together. 
My remaining balance to Mohela as of XX/XX/year> is {$18000.00}. 
XXXX, XXXX, and XXXX reflect that I owe Mohela {$190000.00}. 
I created a dispute for all three credit bureaus and Mohela today. 
This needs to be corrected ASAP or I will lose out on grant money to forgive my {$18000.00} of student debt with the XXXX XXXX program currently going on in Illinois for first time home buyers. This is a mortgage loan program and I close on my home XX/XX/year>

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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:
XXXX Address XXXX XXXX XXXX XXXX XXXX, SD XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Charge Card. This inquiry is scheduled to continue on record until XX/XX/XXXX. XXXXXXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, SD XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Charge Card. This inquiry is scheduled to continue on record until XX/XX/XXXX. XXXX  Address XXXX XXXX XXXX XXXX XXXX, SD XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Charge Card. This inquiry is scheduled to continue on record until XX/XX/XXXX. XXXX Address XXXX XXXX XXXX XXXX XXXX, SD XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Charge Card. This inquiry is scheduled to continue on record until XX/XX/XXXX. XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Credit Granting. This inquiry is scheduled to continue on record until XX/XX/XXXX. XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, DE XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. XXXX XXXX XXXX Address po box XXXX XXXX, TX XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Business on behalf of XXXX XXXX XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX. XXXXXXXX XXXX XXXX  Address XXXX XXXX XXXX XXXX XXXX, SD XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Charge Card. This inquiry is scheduled to continue on record until 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 2025-02-04 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: LEXISNEXIS
State: TN

Complaint narrative:
Lexis Nexis Risk Solutions Attention : Consumer Reporting Division XXXX XXXX XXXX XXXX, GA XXXX Subject : Inquiry Regarding Bankruptcy Listing on Credit Report Dear Sir/Madam , I am writing to formally request clarification regarding the bankruptcy listing on my credit report that appears under your name. According to the information available, this bankruptcy entry was reported by Lexis Nexis, but I am unable to determine how this information was obtained. My understanding is that bankruptcy filings are not directly reported to consumer reporting agencies by the courts. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681e ( b ), consumer reporting agencies are required to ensure that information reported is accurate and complete. Additionally, 15 U.S. Code 1681c ( a ) ( 1 ) limits how long bankruptcy information can be reported. However, it is my understanding that bankruptcy filings are not reported directly by courts to consumer reporting agencies unless the agency has a permissible purpose to access such information, as outlined in 15 U.S. Code 1681b. 

Accounts in question : Bankruptcy XXXX XXXXXXXX : XXXX & XXXX If Lexis Nexis has obtained and reported my bankruptcy information without a permissible purpose, this would constitute a violation of the FCRA. Specifically, under 15 U.S. Code 1681b, a consumer reporting agency must have a permissible purpose to obtain information for inclusion on a credit report. Failure to comply with these legal requirements would be considered a violation of the FCRA.

Therefore, I respectfully request that you provide the following information : The specific source of the bankruptcy information listed on my credit report. 
The date and method by which Lexis Nexis obtained this information. 
Evidence that you had a permissible purpose for obtaining and reporting this bankruptcy information. 
If you have obtained this information without a permissible purpose, this would constitute a violation of the FCRA, and I request that you immediately remove this entry from my credit report. 

Please respond within 30 days as required by law, or I will be forced to pursue further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: MD

Complaint narrative:
I have submitted multiple disputes regarding these accounts that DO NOT belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that DO NOT belong to me. These companies have refused to work on disputes even though they are required by law to do so. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2025-02-04 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: MD

Complaint narrative:
I have submitted multiple disputes regarding these accounts that DO NOT belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that DO NOT belong to me. These companies have refused to work on disputes even though they are required by law to do so. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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