vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On my Experian report ONLY. They have two ( 2 ) medical debts which they refuse to remove? Its illegal now to have medical on your report. And, the dates on the file are incorrect as WAY over eight ( 8 ) years since my last XXXX XXXX XXXX 

I am sorry I do not have specific dates but it was XX/XX/year> when I tried to dispute? Experian REFUSED to allow dispute. Claimed it was impossible without discussing with me first. Uh, you didn't want to chat when you put WAY dead medical debt & then refuse to remove? And the collectors? Eight year old XXXX XXXXl, they call me EVERYDAY, two to three times a day over that. Seems like that should be harassment. But I am sure not considered as such. 

Thank you for your time, my apologies in lack of exacts.

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 2025-03-19 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: MO

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-03-19 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: MI

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

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 2025-03-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: AZ

Complaint narrative:
XX/XX/year> I contacted an agent via telephone requesting that my account be closed so I do not continue to accrue their excessive monthly fees which consume 80 % of the installment payment. 
She stopped the automatic draft from my bank account but advised me that the monthly fees will still accrue moving forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Recently, I was notified by the Bureaus that they received my information and dispute letter. However, they refused to investigate, claiming it was not properly authorized by me and suspecting it was submitted by a credit repair company. 

I have been dealing with this same issue with ( Bureau ) for months, and I am beyond frustrated. It feels like my rights as a consumer are being disregarded. I have the right to dispute any inaccurate information on my report, yet every time I submit a letter, I receive the same response. 

Please advise on how I can resolve this issue. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: IL

Complaint narrative:
Recently, I was notified by the Bureaus that they received my information and dispute letter. However, they refused to investigate, claiming it was not properly authorized by me and suspecting it was submitted by a credit repair company. 

I have been dealing with this same issue with ( Bureau ) for months, and I am beyond frustrated. It feels like my rights as a consumer are being disregarded. I have the right to dispute any inaccurate information on my report, yet every time I submit a letter, I receive the same response. 

Please advise on how I can resolve this issue. Thank you.

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 2025-03-19 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: PR

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts and inquiries. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

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 2025-03-19 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: PR

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts and inquiries. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

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 2025-03-19 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:
XXXX XXXX XXXX {$1000.00} Re : Dispute of Collections Account- XXXX XXXX XXXX Dear Sir/Madam , I am writing to formally dispute the collections account listed on my credit report under the account number referenced above. Under 15 U.S. Code 1681i, I have the right to dispute any information on my credit report that I believe to be inaccurate, incomplete, or unverifiable.

I demand that you conduct a full investigation of this account in compliance with Section 1681i ( a ), which requires that the information be verified, corrected, or deleted if it can not be substantiated. As per Section 1681s-2, it is also the responsibility of the furnisher of information to ensure the accuracy of the data they are providing to the credit bureaus. 

Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ), a collections account must be fully validated with supporting documentation from the original creditor. If such validation can not be provided, this account must be removed from my credit report immediately. 
I expect this matter to be resolved within 30 days as required by law, and I look forward to your timely response. 
Thank you for your attention to this urgent matter. 
Sincerely, 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 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX {$1000.00} Re : Dispute of Collections Account- XXXX XXXX XXXX Dear Sir/Madam , I am writing to formally dispute the collections account listed on my credit report under the account number referenced above. Under 15 U.S. Code 1681i, I have the right to dispute any information on my credit report that I believe to be inaccurate, incomplete, or unverifiable. 
I demand that you conduct a full investigation of this account in compliance with Section 1681i ( a ), which requires that the information be verified, corrected, or deleted if it can not be substantiated. As per Section 1681s-2, it is also the responsibility of the furnisher of information to ensure the accuracy of the data they are providing to the credit bureaus.

Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ), a collections account must be fully validated with supporting documentation from the original creditor. If such validation can not be provided, this account must be removed from my credit report immediately. 
I expect this matter to be resolved within 30 days as required by law, and I look forward to your timely response. 
Thank you for your attention to this urgent matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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 am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-03-19 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: MI

Complaint narrative:
Three months before graduating college in XXXX of XXXX, Sallie Mae started my payments reaching XXXX dollars a month. During this time I did not have my degree yet, so I had to use my deferment. After graduating I was looking for a job though with no experience it was hard to find one. During that time I had to use my forbearance. The monthly cost of my student loans was still XXXX dollars. I was given no repayment options to lower my month amount. In XXXX I moved to have more job opportunities, during that time I was put into contact with Sallie Mae 's collection department because of my inability to pay the XXXX a month. I was told then that because I used ALL of my deferment and forbearance I was LOCKED out of ALL programs they had. I was never informed of this stipulation. The collection department put me on a program that lowered my monthly payment to XXXX dollars. This program only lasted for 2 years. I was able to get onto this program again in XXXX. Which lasted for another 2 years. I was never told that I was only able to be on this program twice. So in XXXX I was told I had used up EVERYTHING Sallie Mae had to offer. With my new job I was able to make the XXXX month payment barely, still having to figure out basic necessities and rent. My payments jumped from XXXX a month to XXXX to XXXX. I have called multiple times a year to try to get on a program that could lower my monthly payment, they always say their hands are tied. In XXXX I found out that the college I had attended was deemed fraudulent for misrepresentation. A discharge of federal loans was put in place immediately. However my college federal assistance department overcharged and put most of my student loans in a private business ; Sallie Mae. I have tried consolidating to get away from Sallie Mae, but have hit walls because of the amount on my loan vs how much I made. In XXXX I lost my job and became homeless for half a year. Still Sallie Mae would not work with me. I have been struggling since. My cosigner can not help, in XXXX he went to prison. I have had to ask for other family members help, and help from my partner to make these ridiculous payments. I call them multiple times a year to see if there are any programs. Again, the only response is their hands are tied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: GA

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: IL

Complaint narrative:
RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter 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
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian seems to be having technical issues, their website is never functional when submitting & disputing the removal of inaccurate information. Addresses that is link to accounts are not linked to me directly. No thorough investigation has been done on any items not have these items been verified as well as none of the items on the report has been updated since XXXX  according to their dispute website. This could only mean that Experian is allowing inaccurate information to be reported. It is fraud and has forced me to lock & freeze my reports.

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 2025-03-19 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: NC

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: NC

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-03-19 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 writing to file a complaint against XXXX for not following the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 5 ) ( B ). 

I previously disputed the following accounts on my credit report, which was confirmed to be inaccurate and removed. However, the same account was added back to my report without any notice from XXXX within the required XXXX business days. 

Account Name : XXXX XXXX XXXX, XXXX Number : XXXX This goes against FCRA Section 611 ( a ) ( 5 ) ( B ), which clearly states that consumers must be notified if previously deleted information is reinserted. The lack of notice has caused unnecessary stress and may have negatively impacted my credit. 

Ive already contacted XXXX about this, but they havent resolved the issue. Thats why Im asking for your help to make sure they comply with FCRA regulations and fix this problem promptly. 

Ive attached copies of all relevant documents, including my original dispute letter, proof of the accounts removal, and my recent dispute regarding the unauthorized reinsertion.

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 2025-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally dispute a third-party collection account appearing on my credit report. I have no contractual agreement with PORTFOLIO RECOVERY, nor have I authorized them to report this account under my credit file. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), I am requesting that this account be removed from my credit report immediately, as there is no valid agreement between myself and this entity. If PORTFOLIO RECOVERY can not provide a signed contract proving my obligation to this debt, it should be deleted from my credit report. 

Please investigate this matter and provide me with a resolution in compliance with federal consumer protection laws. I appreciate your prompt attention to this request. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: KY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 2025-03-19 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: KY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 non-monetary relief