vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-24 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: IN

Complaint narrative:
I am writing to formally dispute certain account information reported in my credit file, as it is inaccurate and misleading. Please consider this letter my official dispute as outlined under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681x. 

Account Information in Dispute : Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4700.00} Account Name : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2800.00} Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4200.00} Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4600.00} Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3500.00} Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Account Name : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} The above-referenced accounts contain inaccurate information, which I believe has resulted from a data breach affecting XXXX, as highlighted by case law establishing that consumers deserve accurate credit reporting under the FCRA. Furthermore, inaccuracies can lead to violations of the Fair Debt Collection Practices Act ( FDCPA ), reinforcing my right to a fair assessment of my credit history.

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 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I was alarmed that there are inaccurate late payment remarks on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: CA

Complaint narrative:
I am listing 2 accounts fraudulent from Experian Equifax and Transunion Credit Reports. XXXX XXXX XXXXXX/XX/XXXX and XXXX XXXX AUTHORIZEDUSER XX/XX/XXXX. I am listing XXXX inquiry fraudulent from my XXXX Credit Report. XXXX XXXX XXXXXX/XX/XXXX. Listed accounts and inquiry do not belong to me and must be removed from my Credit Reports. I had a call with the company and the credit reporting agency advised me to file an identity theft report for deletion. I am requesting Experian Equifax and Transunion to mark these accounts and inquiry as fraudulent and remove from my Credit 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 non-monetary relief
Consumer complaint received 2025-03-24 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MI

Complaint narrative:
according to fair credit reporting act im entitled to fair and accurate consumer re port upon review of my credit re port toyota financial showing a charge off/ collections on my fico its XXXX debt Was written off. im requesting a 1099c cancellation of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: OH

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

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 2025-03-24 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: MI

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: CO

Complaint narrative:
I have federal student loans serviced by Aidvantage. In XX/XX/XXXX, I received a letter notifying me my loans were placed in another administrative forbearance, and I didn't have to make payments during this period. The letter ( attached ) also said " if you made or make a payment for the month ( s ) you are in the forbearance, the amounts paid will go toward satisfying your future payment ( s ). '' This confused me, because it led me to believe if I made my monthly payments anyway, that it could count as a qualifying payment toward my income based repayment plan. So, I reached out via chat with the company because I wanted to make sure whatever the representative said was documented in writing. I specifically asked if I made payments anyway if those would count as qualifying monthly payments under my income repayment plan, and the representative said yes ( screenshots attached ). So, I made payments in the amount of my monthly payments on that day and every month forward -- from XX/XX/XXXX through XX/XX/XXXX. 

After I made my payment today, XX/XX/XXXX, I went to look at my account with Aidvantage compared to the governments website. I noticed a bunch of discrepancies. First, the government 's account had no record of my XXXX, XXXX and XXXX payments. Then, all the payments from XXXX through present were marked " ineligible '' for my income repayment plan. They both had different anticipated payoff dates ( servicer XXXX XXXX and government XX/XX/XXXX ). So I called, mainly asking why the payments I made were marked ineligible when I was told they would count as qualifying payments, and where my three months of payments were. The servicer said they would talk to the government about the three monthly payments that were missing -- that's fine. With respect to the monthly payments being ineligible, despite being told they would count as qualifying payments, I was told : " XXXX was just wrong and gave you incorrect information. '' I asked if he could see the conversation between me and XXXX, and he said yes. I expressed my frustration with the fact that I relied on the company 's representation that these would count, and made my payments solely based on that reliance, when otherwise I could have desperately used that money for my family over the last 8 months. I was told there was nothing the company could do except process a refund for XXXX and XXXX, and cancel my payment scheduled for XX/XX/XXXX. They allegedly have processed this, but that still doesn't address the harm caused by the completely wrong information they provided with respect to XXXX. I spent two hours on the phone and had to miss work to get this addressed, solely to be told that despite my reliance on the inaccurate information their company provided, there was nothing else they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-03-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
My mortgage loan was sold from flagstar to Mr. Cooper in XX/XX/year> I was locked out of making payments from XXXX to this month. XX/XX/year>. I have called several times to make payments towards my owed balance, they refused to take payments during the transaction of my loan. XXXX they tell me I owe XXXX they will not accept anything less. I expressed the issue of them not allowing me to make these payments and not allowing me to make partial payments qas not helping. I applied for a remodificstion to lower my home payments ; however they increased it from XXXX to XXXX a month. So I declined that. Today they called me making it harder for me to make any sort of payment. I offered 3 times today to pay XXXX towards my bill and they refused to take anything less than the total balance. Then claimed st the end of this month I would owe them even more and require that new increased total. They do not offer me options to pay online as so they claim. They refuse to take my payments over the phone. I have expressed my concern and stressed how much they hinder my options and ability to catch this up by refusing to take payments and show my efforts to get caught up. 
Now they entered me into yet another account forbrance of some kind and told me they will not take any kind of payments from me for the next 30 days as of today. It's clear to me they are attempting to force me into foreclosure and take our home from us. I am beyond tired of dealing with XXXX XXXX Northstar XXXX Lakeview or what ever new name they call themselves. They refused my payment last month XX/XX/year> as they required a full amount. If they allowed me to make those payments I would no longer be behind on them. They keep making excuses as to why they won't take my payments. I need help dealing with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: MI

Complaint narrative:
Im writing to formally dispute incorrect information currently reflected on my credit report. This entry is inaccurate and, frankly, its damaging my credit, which is completely unjustified. I did not authorize this, and it has no place on my record.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL, XXXX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX Account number XXXX DeaXXXX XXXX XXXX XXXX : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Copy of Credit 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 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
These inquiries should have been removed from last XXXX and XXXX and theyre still on my report I have no accounts regarding these inquiries they should be removed immediately they cant provide any proof

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 2025-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
2 years ago I made a wire transfer to a vendor who passed himself as my landlord as he used the same email where i always communicate with my realtor, he stated he would supply the wire information and i paid some rent money on it. When I called my landlord they said they did not receive anything and that it was a scam. They blocked me on their emails. I called Citibank to track the scammer no help.

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 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I disputed the account as inaccurate, then they deemed it inaccurate, but claimed it would remain on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: AR

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-03-24 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: CT

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-03-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Subject : Notice of Dispute and Cease Communication Request Under 15 U.S. Code 1692c To Whom It May Concern, I am writing to formally dispute the validity of the debt that your agency has reported on my credit file. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692c, I am requesting that you cease all communication with me regarding this matter, except for written verification of the debts validity as required by law. 
Details of the Disputed Debt : Creditor Name : XXXX Account Number ( Last XXXX Digits ) : XXXX Amount Reported : {$3000.00} Date Reported : XX/XX/XXXX Basis for Dispute : I believe the debt in question is either inaccurate, unverifiable, or does not belong to me. Therefore, I am requesting the following : Proof of Validity : Provide written documentation validating that this debt is indeed mine, including a signed agreement or contract with the original creditor. Proof of Collection Rights : Provide evidence that your agency has the legal right to collect this debt.

Cease Communication : Per my rights under 15 U.S. Code 1692c, I formally request that all communications regarding this matter be ceased unless you are providing written verification of the debt. 
Deletion from Credit Report : If you can not provide proper validation of this debt, I demand its immediate removal from my credit report with all credit reporting agencies. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: CA

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 explanation
Consumer complaint received 2025-03-24 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: WA

Complaint narrative:
Consumer name : XXXX XXXX XXXX Social Security XXXX : XXXX Consumer Date of Birth : XX/XX/year> Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, 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. XXXX : XXXX, XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report, Ive attached a list of hard inquires in question as well as a copay 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 results of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the results 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 explanation
Consumer complaint received 2025-03-24 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: OH

Complaint narrative:
SENT DISPUTES FOR ACCOUNTS THAT WERE INACCURATE BETWEEN EQUIFAX, TRANSUNION, AND EXPERIAN. THEY WERE TO BE DELETED BECAUSE THEY WERE WRONG. THE RESULTS CAME BACK VERIFIED. THIS IS THE ACCOUNT ( ( ( XXXX XXXX XXXX ) ) ) " ( YOUR COMPANY HAS BEEN SUED FOR NOT DELETEING INACCURATE INFORMATION WHEN YOU KNOW ITS INACCURATE ) ''

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