vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-16 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: NV

Complaint narrative:
Consumer Name : ( XXXX XXXX ) XXXX Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax 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 Accounts : 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 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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 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 2025-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: IL

Complaint narrative:
I had two credit cards stolen last XXXX. One credit card did not hold me liable for the charges but Discover held me responsible. I sent in a police report, documentation that XXXX XXXX XXXXXXXX did not hold me responsible. I also sent information about my passport being re-issued because it was stolen simultaneously. Then I sent in time cards to verify the days I was working. This has been ongoing for a year and they are not budging. It is over {$3000.00} and I am not responsible for the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Earnest Inc.
State: CA

Complaint narrative:
Their website is not functional. Using the browser they recommended, my tax info page came back with a 404 error. Just trying to view my loan causes the page to reload indefinitely. They have an obligation to, at the very least, maintain a working website.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/year>XXXX EASTERN ACCOUNT SYSTEM XXXX XXXX XXXX XXXX, CT XXXX Dispute of Inaccurate Information - Notice of Error Under FCRA To Whom It May Concern : I am writing to formally dispute inaccurate information that your company, EASTERN ACCOUNT SYSTEM, has reported to the credit bureaus. This letter serves as my notice of error under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Specifically, I am disputing XXXX XXXX debt. This information is not accurate because [ provide a thorough explanation with any supporting evidence ]. 

Pursuant to Section 611 of the FCRA ( 15 U.S.C. 1681i ), I hereby demand that you conduct a reasonable, thorough, and timely investigation into this matter. The law requires you to complete your investigation within 30 days of receiving this dispute ( or 45 days if I provide additional relevant information ). 

Furthermore, under Section 623 of the FCRA ( 15 U.S.C. 1681s-2 ), you have an affirmative duty to provide accurate information to the credit bureaus. If your investigation confirms that the disputed information is indeed inaccurate, you must promptly notify all credit bureaus to which you reported the information and provide corrected information. 

I also invoke my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., which prohibits debt collectors from using unfair, deceptive, or abusive practices. If this disputed information relates to a debt, I request that you provide validation of the debt as required by Section 809 of the FDCPA ( 15 U.S.C. 1692g ). 

Please be advised that under Section 616 of the FCRA ( 15 U.S.C. 1681n ), you may be liable for willful noncompliance with the requirements imposed by the FCRA, including actual damages, statutory damages, punitive damages, and reasonable attorney 's fees. 

I require that you send me written confirmation of the results of your investigation, including : XXXX. Verification that you have instructed all credit bureaus to delete or correct the inaccurate information XXXX. Copies of any documents used in your investigation XXXX. The name, address, and telephone number of each credit reporting agency you contacted during your investigation If you do not comply with this request, be informed that I may seek appropriate legal remedies, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and/or pursuing a private right of action under the FCRA. 

Thank you for your prompt attention to this serious matter. If you require any additional information, please contact me at XXXX or XXXX. 

Sincerely, XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: TN

Complaint narrative:
My credit hasnt been used properly. I paid off items, and worked with creditors to eliminate debts. My score never increased. I have federal student loans still on my account and I am not paying them due to financial hardship and a XXXX XXXX that requires XXXX. All three reports have reported wrong debts, debts that are not mine and caused hardships while trying to purchase items. Our mortgage rate was higher solely because my credit score was messed up!

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 2025-02-16 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report and notice I had fraudulet account on my report.Please remove these accouts from my report they are hurting my ability to obtain credit .XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-16 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
In XXXX. I was advised by XXXX XXXX ( nationstar ) they would be my new mort. service co. Iwas sent an address XXXX XXXX XXXX XXXX Tx XXXX XXXX to send XXXX 2024 payment. I included Mr. Cooper in my XXXX bill pay account and sent payment XXXX 2024 by ACH.Mr. Cooper notified me of missed payment, I SENT THEM a same day copy showing the payment and where it went.My credit union sent documents and ACH trace info. but their resalution dept. says they cant find the payment even as it went to a bank acct.for Nationstar at XXXX XXXXXXXX XXXX are charging me late fees of hundreds of dollars and ruined my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recov Assoc XXXX XXXX VA XXXX XXXX XXXX XXXX XX/XX/year> Cease and Desist Request for Debt Collection Communication To Whom It May Concern, I am writing to formally request that you cease all communications regarding the alleged debt associated with my name, which is being handled by your office. Please take this letter as my formal notice to stop all further contact with me in any form related to this debt.

Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request that you refrain from contacting me regarding this matter. As such, I request that all communications cease immediately. This includes, but is not limited to, telephone calls, letters, emails, or any other form of contact. 

Please note that this is not an acknowledgment of the debt in question, nor does it imply consent to its validity. I am simply exercising my rights under the law to have no further contact regarding this matter. 

If you continue to contact me in any way after the receipt of this letter, you may be in violation of the Fair Debt Collection Practices Act, and I will consider further legal action. 

Please confirm receipt of this letter in writing and ensure that you have updated your records to reflect this request. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-16 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
XX/XX/XXXX called XXXX Goldman Sachs Bank. Spoke with XXXX, a supervisor. He escalated the complaint and said I would receive a call back by XX/XX/XXXX. Case # XXXX assigned. 

XX/XX/XXXX received a call back from XXXX, a supervisor. We spoke for approximately XXXX XXXX. 
XXXX. I asked XXXX to read out loud the copies and content of the copies of information I has mailed to XXXX Bank providing proof the account was not included in the bankruptcy filing. The proof included a copy of my actual paperwork submitted for the bankruptcy petition. He was able to confirm this information to be true and correct. XXXX Bank had reported to all XXXX credit bureaus that my account was included in the bankruptcy. 
XXXX. I asked XXXX to confirm my payment history on my account prior to the XX/XX/XXXX closure by XXXX Bank as a result of the bankruptcy being reported to the credit bureaus. He confirmed the account was in perfect standing and had a {$0.00} balance at the time of closure. As a result, I asked to have the derogatory remark of a Charge Off that XXXX Bank reported in XX/XX/XXXX to all XXXX credit bureaus, removed. He confirmed this was erroneously reported. 
XXXX. XXXX Bank also reported that late payments of XXXX  days and XXXX days occurred on the account. This is completely false and is still being reflected on all credit bureaus today. 
When the erroneous Charge Off was reported in XX/XX/XXXX, my credit scores declined by XXXX points and despite my never being late on any payments to any credit cards, my scores have not fully recovered. 
I have submitted multiple disputes with all XXXX credit bureaus since XX/XX/XXXX and directly communicated with XXXX Bank and still do not have fully corrected credit reports from all XXXX bureaus. This incorrect information continue to prevent me from getting approvals and opening new credit cards under my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am simply asking Experian for a copy of my hand written consent letter ; Given them permission to report anything to my consumers credit report. Ive requested this serval times

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 2025-02-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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 15 USC 1681 section 602A : states I have the right to privacy 15 USC 1681 section 604Ab section 2 states that a consumer reporting agency can furnish a account without my written instructions 15 UMC 1681 c. ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information other than records of conviction of crimes which antedates the report by more than 7 years 15 UMC 1681 s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if they know or has reasonable cause to believe the information is inaccurate I have also reported identity theft and requested original contracts and have not heard nothing but it's being processed disputes because these accounts I have no idea about

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 2025-02-16 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:
Equifax has failed to fulfill its legal obligation under the fair credit reporting act FCRA to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau CFPB has recently filed a lawsuit against Equifax, alleged, systematic issues, such as failing to forward consumer provided evidence to furnisher, accepted, unreliable, responses, and failing to adequately, notify consumers of dispute outcomes. These failures aligned with my experience, where Equifax has neither corrected nor removed Disputed items, despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed account, as Equifax in action, violates federal law and rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sezzle Inc.
State: FL

Complaint narrative:
The company used misleading and abusive tactics to get me to pay a debt that I didnt agree to. They refused to provide any information on the debt or to work to resolve the debt. Their company has no customer service department and they continually put new and then old information on my credit report. They update false totals and payment history and not of it is accurate. They refuse to speak to me. The company is Sezzle , Inc. The amount is XXXX and it has report as late on all payments since XX/XX/XXXX. They report a false late payment each month and the most current false late payment was reported on XX/XX/XXXX. The company is reporting a false and misleading 38 times late at the 90 day mark. All the information is incorrect and harmful. They threatened to ruin my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am submitting this formal request under my rights granted by the Fair Credit Reporting Act ( FCRA ) XXXX  XXXX. My personal information was exposed due to the XXXX data breach, leading to identity theft and fraudulent accounts appearing on my credit report. As a victim of identity theft, I request that you immediately block the following fraudulent accounts from my credit file. 

Fraudulent Accounts to Be Blocked : XXXX. XXXX XXXX Co XXXX balance : {$12000.00} Date discovered : XX/XX/year> XXXX. XXXX XXXX balance : {$370.00} Date discovered : XX/XX/year> XXXX. XXXX XXXX XXXX Account number : XXXX Fraudulent balance : {$370.00} Date discovered : XX/XX/year> XXXX. XXXX XXXX XXXX XXXX Fraudulent balance : {$570.00} Date discovered : XX/XX/year> Pursuant to the FCRA and the XXXX XXXX XXXX XXXX ( XXXX ) guidelines, I am requesting the permanent removal of these fraudulent accounts from my credit report. Enclosed, you will find my FTC Identity Theft Report ( Report XXXX. XXXX ) as supporting documentation. 

Under XXXX XXXX. XXXX, XXXX is legally required to block the fraudulent information from my credit report within XXXX business days of receiving this request. Additionally, I request written confirmation that these accounts have been removed and that no further collection or reporting of these fraudulent debts will occur. 

Please send a response confirming the removal of these fraudulent accounts at your earliest convenience. Should you require any further documentation, do not hesitate to contact me via the information provided above. 

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 non-monetary relief
Consumer complaint received 2025-02-16 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: IL

Complaint narrative:
I am submitting this formal request under my rights granted by the Fair Credit Reporting Act ( FCRA ) XXXX  XXXX. My personal information was exposed due to the XXXX data breach, leading to identity theft and fraudulent accounts appearing on my credit report. As a victim of identity theft, I request that you immediately block the following fraudulent accounts from my credit file. 

Fraudulent Accounts to Be Blocked : XXXX. XXXX XXXX Co XXXX balance : {$12000.00} Date discovered : XX/XX/year> XXXX. XXXX XXXX balance : {$370.00} Date discovered : XX/XX/year> XXXX. XXXX XXXX XXXX Account number : XXXX Fraudulent balance : {$370.00} Date discovered : XX/XX/year> XXXX. XXXX XXXX XXXX XXXX Fraudulent balance : {$570.00} Date discovered : XX/XX/year> Pursuant to the FCRA and the XXXX XXXX XXXX XXXX ( XXXX ) guidelines, I am requesting the permanent removal of these fraudulent accounts from my credit report. Enclosed, you will find my FTC Identity Theft Report ( Report XXXX. XXXX ) as supporting documentation. 

Under XXXX XXXX. XXXX, XXXX is legally required to block the fraudulent information from my credit report within XXXX business days of receiving this request. Additionally, I request written confirmation that these accounts have been removed and that no further collection or reporting of these fraudulent debts will occur. 

Please send a response confirming the removal of these fraudulent accounts at your earliest convenience. Should you require any further documentation, do not hesitate to contact me via the information provided above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There was more than one company. The same person kept sending me a link to obtain my credit score before they would accept me as a tenant. The first link they sent was to a company called Trans Union. Then they sent another link for a company called XXXX. They asked for my full SS #.

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