vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: PA

Complaint narrative:
My student loans are held through XXXX. Interest is accruing on my federal student loans during this time of forbearance while the XXXX plans legitimacy is being discussed in the courts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: CA

Complaint narrative:
After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiry on my credit report.Please dispute and remove listed fraudulent inquiry from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: MA

Complaint narrative:
My information was apart of the data breach. Please remove these accounts immediately.

FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. 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, not later than 4 days.

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 2025-01-02 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: MA

Complaint narrative:
My information was apart of the data breach. Please remove these accounts immediately.

FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. 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, not later than 4 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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: FL

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 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 2025-01-02 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: TX

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 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 2025-01-02 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: CA

Complaint narrative:
After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiry on my credit report.Please dispute and remove listed fraudulent inquiry from my credit report XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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 writing to formally request further clarification and reinvestigation regarding accounts appearing on my credit report that are inaccurate. After previously disputing these accounts and providing supporting documentation, I was informed that the accounts were verified as accurate. However, I am concerned about the method of verification employed by your agency. I would like to understand : What specific steps were taken to verify these accounts? 
Was contact made directly with the creditor ( s ), and what documentation or evidence did they provide to substantiate the claim that these accounts are legitimately associated with me? 
Were any third-party databases or external records consulted in the verification process? 
Furthermore, I have been informed by the creditors associated with these accounts that the accounts were erroneous. This appears to be a case of erroneous data consolidation. The improper association of these accounts with my personal credit file is causing significant harm to my credit standing and financial well-being. 
Given the severity of this issue, I request that your agency : Conduct a thorough reinvestigation of the disputed accounts, including direct communication with the creditors regarding the possibility of mixed files. 
Provide me with all documentation and evidence used to verify the accounts, including any communications with the creditors or third-party data sources. 
Correct and remove any inaccurate or unverifiable information from my credit report as required under the Fair Credit Reporting Act ( FCRA ). 
Please consider this letter as a formal 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 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 2025-01-02 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:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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

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 2025-01-02 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: VA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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: VA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: PA

Complaint narrative:
I am writing to formally dispute the accuracy and validity of the following collection accounts that appear on my credit report. These accounts do not belong to me and must be verified or removed under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Metro 2 compliance guidelines.

The accounts in question are as follows : XXXX XXXX XXXX : {$2500.00} ( Reported : XXXX XXXX, 2024 ) XXXX XXXX XXXX : {$3700.00} ( Reported : XXXX XXXX, 2024 ) XXXX XXXX XXXX : {$7100.00} ( Reported : XXXX XXXX, 2024 ) XXXX XXXX : {$1000.00} ( Reported : XXXX XXXX, 2024 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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: PA

Complaint narrative:
I am writing to formally dispute the accuracy and validity of the following collection accounts that appear on my credit report. These accounts do not belong to me and must be verified or removed under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Metro 2 compliance guidelines.

The accounts in question are as follows : XXXX XXXX XXXX : {$2500.00} ( Reported : XXXX XXXX, 2024 ) XXXX XXXX XXXX : {$3700.00} ( Reported : XXXX XXXX, 2024 ) XXXX XXXX XXXX : {$7100.00} ( Reported : XXXX XXXX, 2024 ) XXXX XXXX : {$1000.00} ( Reported : XXXX XXXX, 2024 )

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 2025-01-02 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: NJ

Complaint narrative:
Subject : Violation of FCRA Sections 623 and 15 U.S.C. 1681 Dear CFPB, I am submitting this complaint regarding an account reported by XXXX related to my XXXX XXXX XXXX account. 

XXXX The information related to a late payment should not appear on my credit report due to violations of the Fair Credit Reporting Act ( FCRA ), including : 1. Violation of FCRA Section 623 ( 15 U.S.C. 1681s-2 ) : a. Failure to Ensure Maximum Possible Accuracy The furnisher of this information has an obligation under Section 623 ( a ) ( 1 ) ( B ) to ensure maximum possible accuracy in the information they provide. However, there is no evidence that they conducted a proper investigation or verified the legitimacy of this late payment as required by law.

b. Failure to Investigate Disputes Under Section 623 ( b ), when a dispute is raised, the furnisher is required to investigate and provide sufficient evidence to verify the information. To date, the furnisher has not provided original documentation ( such as signed agreements or proof of proper notice ).

2. Violation of 15 U.S.C. 1681 Exclusions : Per 15 U.S.C. 1681a ( b ), information that is solely related to transactions or experiences between the consumer and the creditor should not be shared in a consumer report.

Late payments, as a transactional experience, appear to fall under this exclusion and should not be reported to credit reporting agencies.

3. Request for Removal of the Late Payment This single late payment has significantly harmed my credit score, and I believe the furnisher did not follow proper procedures required by the FCRA. I request : 1. The removal of this late payment from my credit report due to the reasons outlined above.

2. The furnishers compliance with all duties under FCRA Sections 623 and 15 U.S.C. 1681.

If the furnisher can not provide signed original agreements or other verifiable documentation as required by law, the CFPB should require its removal.

Thank you for investigating this matter and ensuring fair practices for all consumers. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-01-02 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: NJ

Complaint narrative:
Subject : Violation of FCRA Sections 623 and 15 U.S.C. 1681 Dear CFPB, I am submitting this complaint regarding an account reported by XXXX related to my XXXX XXXX XXXX account. 

XXXX The information related to a late payment should not appear on my credit report due to violations of the Fair Credit Reporting Act ( FCRA ), including : 1. Violation of FCRA Section 623 ( 15 U.S.C. 1681s-2 ) : a. Failure to Ensure Maximum Possible Accuracy The furnisher of this information has an obligation under Section 623 ( a ) ( 1 ) ( B ) to ensure maximum possible accuracy in the information they provide. However, there is no evidence that they conducted a proper investigation or verified the legitimacy of this late payment as required by law.

b. Failure to Investigate Disputes Under Section 623 ( b ), when a dispute is raised, the furnisher is required to investigate and provide sufficient evidence to verify the information. To date, the furnisher has not provided original documentation ( such as signed agreements or proof of proper notice ).

2. Violation of 15 U.S.C. 1681 Exclusions : Per 15 U.S.C. 1681a ( b ), information that is solely related to transactions or experiences between the consumer and the creditor should not be shared in a consumer report.

Late payments, as a transactional experience, appear to fall under this exclusion and should not be reported to credit reporting agencies.

3. Request for Removal of the Late Payment This single late payment has significantly harmed my credit score, and I believe the furnisher did not follow proper procedures required by the FCRA. I request : 1. The removal of this late payment from my credit report due to the reasons outlined above.

2. The furnishers compliance with all duties under FCRA Sections 623 and 15 U.S.C. 1681.

If the furnisher can not provide signed original agreements or other verifiable documentation as required by law, the CFPB should require its removal.

Thank you for investigating this matter and ensuring fair practices for all consumers.

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: VW Credit
State: TX

Complaint narrative:
I called the company to make a large payment and they would not accept it so they closed the loan now they are calling and harassing my family members and just people with my same last name for the payment for the car. They call all day everyday

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: NJ

Complaint narrative:
I am writing to formally address a matter of noncompliance by the credit bureau concerning an account currently subject to litigation. In accordance with established legal precedents and applicable codes, specifically the doctrine of estoppel by silence as articulated in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the absence of evidence or substantiation for the alleged debt permits the presumption that no such debt exists.

To date, the bureau has neither removed the disputed item from my credit report nor conducted any meaningful investigation to substantiate its position. This lack of action fails to satisfy the obligations imposed by law. 

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 2025-01-02 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: GA

Complaint narrative:
I noticed on both of my credit reports that TransUnion and XXXX are reporting late payments that are inaccurate, I would like for this to be investigated and updated from late payment to on time paid as agreed. I have listed the account below that is negatively affecting my score Creditor : XXXX XXXX Account status Open Type Automobile Responsibility Individual Remarks No Info Times XX/XX/year> days late

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 2025-01-02 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: FL

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, been waiting for the credit bureaus response and its really making me feel XXXX XXXX  it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded 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 non-monetary relief
Consumer complaint received 2025-01-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC.
State: MI

Complaint narrative:
My XXXX XXXX was repossessed in XX/XX/2024 and the sent to the auction before they gave me a chance to pay what I owe, The car was sold and its still on my credit and showing a balance owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Spring Oaks Capital, LLC
State: SC

Complaint narrative:
ACCOUNT # XXXX. These debts youre trying to collect I dont agree with them at all, and I think the amounts youre saying I owe are wrong. Dont bother sending me any proof I'm not interested. I know what's what and showing me proof wont change a thing. If you need to reach me, do it by email only between XXXX XXXX  and XXXX XXXX  EST. Dont send any usps, ups, fedex or courier mail and no phone calls and voicemails because it is just a hassle and inconvenience. Just setting the record straight. ACCOUNT # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Stark Collection Agency, Inc.
State: MT

Complaint narrative:
XXXX says they gave me internet service on XX/XX/year>. They did hock it up but I did not ask for the service. XXXX  billed me {$250.00}. I called them and they said they would take it off. Last month they reported it to The Stark Collection Agency. I left them a message as I am just going to pay it so my credit isnt ruined. I dont think this is right.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: NY

Complaint narrative:
Square blocked my account with no explanation i called in and they said its under review they don't know why its an algorithm that blocked me.

they are holding my money for 90 days

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
THE FCRA DEFINES IDENTITY THEFT AS FRAUD COMMITTED USING IDENTIFYING INFORMATION OF ANOTHER PERSON. INFORMATION OF ANOTHER PERSON WHEN THE ALLEGED ORIGINAL CREDITOR SOLD MY INFORMATION WITHOUT MY EXPRESSED APPROVAL OR KNOWLEDGE THAT'S " A FRAUD '' WHICH MAKES THE WHOLE THING IDENTITY THEFT. 

ORIGINAL CREDITOR : NAVY FEDERAL CREDIT UNION ACCOUNT # XXXX SOLD TO : XXXX XXXX XXXX XXXX XXXX {$2900.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation