vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 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: GA

Complaint narrative:
I am filing this complaint against Equifax Information Services XXXX, Experian, and TransUnion for their continuous failure to comply with federal consumer protection laws. I have submitted multiple dispute letters regarding fraudulent accounts and inquiries appearing on my credit report as a result of identity theft. Despite my repeated attempts to rectify these inaccuracies, Equifax has failed to respond or take appropriate corrective action, violating the Fair Credit Reporting Act ( FCRA ). 

Fraudulent Accounts and Inquiries : XXXX XXXX SERVICES ( Acct # XXXX ) Fraudulent amount : {$520.00} XXXX XXXX BANK XXXX XXXX ( Acct # XXXX ) Fraudulent amount : {$670.00} XXXX BANK ( Acct # XXXX ) Fraudulent amount : {$2200.00} Failure to investigate and remove fraudulent accounts violates the following provisions of the Fair Credit Reporting Act ( XXXX  ) and other relevant federal laws : XXXX XXXX Code XXXX Requires credit bureaus to block fraudulent information due to identity theft. 
XXXX XXXX XXXX XXXX Mandates a reasonable investigation upon a consumer dispute. 
XXXX XXXX XXXX XXXX ( b ) Requires the maintenance of accurate credit report information. 
XXXX XXXX XXXX XXXX ( a ) Holds furnishers responsible for reporting accurate data. 
XXXX XXXX XXXX XXXX Prohibits unlawful communication regarding fraudulent debts. 
XXXX XXXX XXXX XXXX ( a ) Requires proper validation of debt claims. 
XXXX XXXX XXXX XXXX ( f ) Prohibits obtaining or using consumer reports without a permissible purpose. 
XXXX XXXX XXXX XXXX Prohibits obtaining credit information under false pretenses. 
XXXX XXXX XXXX XXXX & XXXX Establish civil liability for willful or negligent noncompliance with the FCRA. 
Additionally, Equifax, Experian, and TransUnion 's continued reporting of charged-off debts without verifying legal liability contradicts IRS Publication 2021, which states that charged-off debts should be treated as income rather than collectible liabilities. If a debt has been charged off and reported to the IRS, creditors must provide an original contract with XXXX wet-ink signatures proving liability, which has not been provided in my case.

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 2025-03-16 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:
I am filing this complaint against Equifax Information Services XXXX, Experian, and TransUnion for their continuous failure to comply with federal consumer protection laws. I have submitted multiple dispute letters regarding fraudulent accounts and inquiries appearing on my credit report as a result of identity theft. Despite my repeated attempts to rectify these inaccuracies, Equifax has failed to respond or take appropriate corrective action, violating the Fair Credit Reporting Act ( FCRA ). 

Fraudulent Accounts and Inquiries : XXXX XXXX SERVICES ( Acct # XXXX ) Fraudulent amount : {$520.00} XXXX XXXX BANK XXXX XXXX ( Acct # XXXX ) Fraudulent amount : {$670.00} XXXX BANK ( Acct # XXXX ) Fraudulent amount : {$2200.00} Failure to investigate and remove fraudulent accounts violates the following provisions of the Fair Credit Reporting Act ( XXXX  ) and other relevant federal laws : XXXX XXXX Code XXXX Requires credit bureaus to block fraudulent information due to identity theft. 
XXXX XXXX XXXX XXXX Mandates a reasonable investigation upon a consumer dispute. 
XXXX XXXX XXXX XXXX ( b ) Requires the maintenance of accurate credit report information. 
XXXX XXXX XXXX XXXX ( a ) Holds furnishers responsible for reporting accurate data. 
XXXX XXXX XXXX XXXX Prohibits unlawful communication regarding fraudulent debts. 
XXXX XXXX XXXX XXXX ( a ) Requires proper validation of debt claims. 
XXXX XXXX XXXX XXXX ( f ) Prohibits obtaining or using consumer reports without a permissible purpose. 
XXXX XXXX XXXX XXXX Prohibits obtaining credit information under false pretenses. 
XXXX XXXX XXXX XXXX & XXXX Establish civil liability for willful or negligent noncompliance with the FCRA. 
Additionally, Equifax, Experian, and TransUnion 's continued reporting of charged-off debts without verifying legal liability contradicts IRS Publication 2021, which states that charged-off debts should be treated as income rather than collectible liabilities. If a debt has been charged off and reported to the IRS, creditors must provide an original contract with XXXX wet-ink signatures proving liability, which has not been provided in my case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 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 2025-03-17 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:
Consumer Name : XXXX XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXXEquifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at, account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX under the account XXXXXXXX XXXX XXXX XXXX  account XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
In or about XXXX I received the XXXX XXXX credit card from XXXX, XXXX XXXX XXXX XXXX. In XXXX I got behind on payments and they put me on a payment plan of XXXX a month for XXXX owed. I paid XXXX never missing a payment. I now owed XXXX and XXXX, XXXX XXXX XXXX XXXX XXXX the program and now say I owe the original amount of XXXX and they turned it over to a debt collector Transworld Systems Inc. Transworld added another XXXX to it for their fee. Although I sent XXXX, XXXX XXXXXXXX XXXX proof from my bank statement showing i paid XXXX to them and Transworld, Transworld did an OFFSET from the federal government and took out XXXX from my check knowing i only owed XXXX. This is not fair and is asking that thy give my money back and take this off my credit. They both have my bank statements and clearly see what was paid. Please help, the LAST LETTER IGOT WAS DATED XX/XX/XXXX THANK

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: TX

Complaint narrative:
I did not authorize any of the following credit union or credit company to pull my credit on the day of XX/XX/scrub>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 explanation
Consumer complaint received 2025-03-16 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: Nelnet, Inc.
State: DE

Complaint narrative:
LOANS NOT AUTHORIZED TO BE REPORTED ON MY CREDIT REPORT ACCORDING TO CONSUMER LAWS.PLEASE REMOVE FROM REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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 am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: GA

Complaint narrative:
Company Information : Monterey Financial Services XXXX XXXXXXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX Complaint Details : I am filing a complaint against Monterey Financial Services for multiple violations under XXXX XXXX Compliance and the Fair Debt Collection Practices Act ( FDCPA ) and other consumer protection laws. 

1. False and Misleading Information : Monterey Financial falsely reported that I incurred a debt due to a divorce decree. I have never been married. I asked them to provide the marriage license or the divorce decree and they failed to do so. 

Initially, they categorized the debt as a mortgage foreclosure, but after I filed a complaint with XXXX, they changed the category to financial without explanation. The changed ownership from individual to joint. 

2. Lack of Proper Licensing in XXXX : Monterey Financial is not licensed to collect debts in the state of XXXX, yet they continue to attempt collection. 

3. Failure to Provide Debt Validation & Cease and Desist Violation : I formally requested a debt validation letter and issued a cease and desist request. Despite this, they continued contacting me. 

During my last interaction, they refused to provide validation and hung up on me. I do not have a contract with this company. 

This conduct is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ) and possibly the Fair Credit Reporting Act ( FCRA ) if they are inaccurately reporting to credit bureaus. I request the CFPB to investigate and take appropriate action against Monterey Financial Services for these violations. 

Resolution Requested : Immediate cessation of collection efforts. 

Removal of any inaccurate debt from my credit report and compensation. 

Investigation into Monterey Financials ' illegal collection practices in Georgia. 

Potential fines or penalties for violating consumer protection laws. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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:
XXXX XXXX for XXXX XXXX XXXX Georgia XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX ; Case XXXX ( Need Wet Ink Signature on The Unauthorized Fraudulent Accounts } Violations of : Reporting erroneous information without verification constitutes a violation of my rights under : 15 U.S.C. 1681b ( Permissible Purposes of Consumer Reports ) 15 USC 1681 a ( 2Xi ) ; 15 USC 1681 ( Late Payments ) 15 U.S.C. 1681i ( Procedure in Case of Disputed Accuracy ) 15 U.S.C. 1681s-2 ( Responsibilities of Furnishers of Information to Consumer Reporting Agencies ) 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) ( Accuracy ) 15 USC 1681i ( 7 ) ( Verification ) This criminal activity has been reported to the appropriate authorities, and I have enclosed a copy of the filed FTC report for your reference. Pursuant to the FCRA, credit reporting agencies are obligated to block fraudulent information within four business days of receiving proper documentation. It is clear that you have failed to fulfill this legal responsibility. The derogatory marks are XXXX XXXXXXXX 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 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 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 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 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 explanation
Consumer complaint received 2025-03-16 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: NJ

Complaint narrative:
I have reported several disputes with you regarding XXXXXXXX XXXX  account you did not do proper investigation after multiple times and allowed this company to report inaccurate information to my credit you also allowed them reopen an closed account to change status and to continuously charge this goes against my consumer rights and this should be deleted off my report

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 2025-03-16 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: VA

Complaint narrative:
This is my follow-up regarding the disputed accounts on my credit report, which remain unresolved. I previously submitted a request for reinvestigation, but I have yet to receive a satisfactory response. I am again requesting that you provide the source of this information and the methods used to validate its accuracy.

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 2025-03-16 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MOHELA
State: TX

Complaint narrative:
MOHELA/XX/XX/XXXXinaccurate late payments on report that are not accurate and This practice violates the Fair Credit Report Act ( FCRA ), 15 U.S.C. 1 - U.S. C, 1681B permissible purposes of consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: General Motors Financial Company, Inc.
State: TN

Complaint narrative:
I am writing to formally dispute the following item on my credit report, as it is inaccurate and unverifiable under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681i. 

Reason for Dispute : This account is inaccurate and unverifiable. 

Additionally, I am requesting the method of verification, including : The Forward Flow Agreement Chain of Assignment Purchase Agreement Insurance Claim of Debt My signature agreeing to pay If you can not provide this information, you will be in violation of the FCRA, and I will escalate this matter further. 

Under the FCRA, if you can not provide documented evidence proving the validity of this debt you must remove it immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
Short code XXXX ( American Express ) repeatedly sends me text for someone named XXXX. I am not her. I unsubscribe everytime and get a verification text saying Ive been unsubscribed. They keep texting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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 know that I may have become a burden because of the complaints that Im filing and I understand whats going on with CFPB if we win or lose we will still have stability to fight with CFPB if we lose them, we lose all hope. Ive been disputing in accuracy with Equifax Transunion Experian about My closed written off accounts with XXXX  XXXX and my XXXX  XXXX XXXX account. I have miraculously open my old XXXX XXXX account and it shows everything that was going on before the couch was written off it also states that my accounts Should not be still being reported as late payments. These are not XXXX  words the CFPB words or XXXX XXXX words this is what XXXX XXXX has on my account. The term past due fee and late fee are interchangeable and refer to a customers account for failing to make a payment its due date ( DATE ) I am sending information that XXXX XXXX has in bowl black letters posting Debt I am still required to pay off my outstanding balance, and on the top of that, it states your account wont be accrue more interest or past due fees XXXX XXXX states that theyre not reporting these Account as late payments on my credit report. I understand that Im disputing again with you and complaining again which view but the XXXX major credit bureaus are not abiding by federal guidelines and laws and the fair credit act I want my late payments dismissed. Erased deleted the accounts can still stay there, XXXX XXXX states there theyre not reporting these as late payments. Because last month they updated them and this month they updated them and I feel like every time you all submit documents to the XXXX credit bureaus they update them as late payments. Thank you for understanding and Im sorry about keep interfering with your busy work schedule, see documents attached.

Company response to consumer: Closed with non-monetary relief