vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-13 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, FL XXXX : XXXX ( XXXX ) XXXX : XX/XX/year> Dispute DepartmentEquifax XXXX XXXX XXXX, GA XXXX Subject : Dispute of Unauthorized Collection Account on My Credit Report Dear Equifax Dispute Department : I am writing to formally dispute a collection account that appears on my credit report. According to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to provide consumers with a validation notice within five days of their initial communication. This notice must inform the consumer of their rights to dispute the debt and request verification. If this validation process has not been properly followed, the collection account should not appear on my credit report. 

I have not received proper validation of the debt in question, and I am requesting that this account be removed from my credit report unless proper validation is provided. The presence of an unverified collection account is damaging to my creditworthiness and violates my rights under federal law. 

Please investigate this matter and remove the collection account from my credit report if it can not be properly validated. I request a written confirmation once the investigation has been completed and the necessary corrections have been made. 

As outlined in 15 U.S.C. 1692g, consumers have the right to : Receive a validation notice informing them of the amount of the debt and the name of the original creditor. 

Dispute the validity of the debt within 30 days of receiving the notice. 

Request verification of the debt before any further collection efforts are made. 

If the collection account on my credit report does not meet these criteria, it must be removed immediately. 

Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any additional information. 

Sincerely, XXXX XXXX XXXX XXXX 15 U.S.C. 1692g Validation of Debts This section of the Fair Debt Collection Practices Act ( FDCPA ) requires debt collectors to provide consumers with a validation notice within five days of their initial communication. This notice must include : The amount of the debt. 

The name of the creditor to whom the debt is owed. 

A statement informing the consumer of their right to dispute the debt within 30 days. 

A statement that if the consumer disputes the debt, the debt collector will obtain verification and provide it to the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
The service is asking me for documentation which I have already previously provided to them XXXX and a half years ago

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I can not get into or open an account with equifax to check my credit or review my credit report. When I attempt to log in it doesn't accept my email or phone number or password. 
It leads me to set up a new password. I set up a new password and it says it's incorrect. To please set up a new password. I set up a new password and it says incorrrect. 
After the third attempt, it locks me out. 
I call and sit on hold. The call never goes through. 
Im blocked out of their website or their website is hacked and interferes with any attempt to access my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/year> I mailed dispute letters to the three major credit bureaus because some things are not accurate. According to the FCRA whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure the maximum possible accuracy. These accounts are not complete and accurate. Also Equifax sent me a stall letter saying they weren't able to identify my identity when I put everything I needed on my dispute letter.

It's been over 35 days with no response and according to 15 USC 1661i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and expect as provided in subsection ( g ). the company must conduct a reasonable investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date which the agency receives the notice of the dispute from the consumer or reseller.

They also violated 15 USC 1681i ( 5 ) and 15 USC 1681s-XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have repeatedly asked Experian to remove non-deliverable addresses and XXXX specific accounts that can't be verified with the IRS balance sheets if they can not provide a copy of the IRS balance sheets on record of any CONTINUED negative reporting of transactions HISTORY, on the XXXX specific accounts listed on Exhibits A. This will be knowingly a penalty of perjury and defamation of character against the rights of the consumer to which it relates. Experian did not comply with the phone or written requests as I have noted, and I have witnesses who will testify under the penalty of perjury just how many times i have made the same request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LAKEVIEW LOAN SERVICING, LLC
State: TN

Complaint narrative:
Spoke to XXXX XXXX XXXX, 2025 Loss Mitigation Lakeview she told me sale is cancelled. Transferred to Escalations XXXX XXXX, 2025 spoke to XXXX XXXX the Leader Resolutions Group he stated the cancellation should have been canceled. He advised he would make sure this is done immediately, he would also alert XXXX XXXX XXXX XXXX XXXX to remove from their foreclosure listings. Foreclosure for my home is still listed XXXX XXXX. I have made XXXX mortgage payments

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am In the process of being XXXX  due to an issue caused by a XXXXXXXX XXXX as I am not getting approved for a home loan due to a late payment with XXXXXXXX XXXX 

I left the country for a month, and before I left I submitted a payment for my auto loan as I normally do. I received a confirmation from XXXX XXXX that my payment was processed. When I got back to the XXXX I was able to log into my XXXXXXXX XXXX account only to find out that the payment I submitted had an issue. Mind you, this was the first time I had this issue, XXXX XXXX failed to inform me that there was an issue with my payment and now they are reporting me as late. I talked to them and they told me they are only required to send me a physical letter which I confirmed with my local post office that it was never received. XXXX XXXX  then stated that they are only required to do that and therefore they don't let customers know of issues with payments. I talked to XXXXXXXX XXXX and they confirmed that they do provide that service. I am upset that XXXXXXXX XXXX does the bare minimum to communicate with customers, and sending letters is not effective as letters can be lost in the mail, which seems happened to me. I don't think this is fair and I would like XXXX XXXX to remove this report from my history. I have not had any late payments and the month of XXXX was the only exception due to the XXXXXXXX XXXX 's lack of ways to communicate. I also sent a screenshot of all the letters that get uploaded to the XXXXXXXX XXXX app from them and no letter is available with their notice, the point of that function is to prove that they sent the letter and that doesn't even reflect on my app.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
Please remove the fraudulent inquiries in my report as they are really hurting my score. Thank you XXXXXXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXXXXXX XXXX inquiry date XX/XX/XXXX XXXXV inquiry date XX/XX/XXXX XXXX XXXX inquiry date XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: OR

Complaint narrative:
transworld systems is trying to collect a debt from me saying i owe them {$1900.00} for ambulance service while vacationing in XXXX. I never used the XXXX XXXX XXXX in XXXX but yet they keep calling me and wanting payment, now i received a letter stating im referred to collection agency. Please help me with this, i tried telling the gentleman that keeps calling me that they must have the wrong person or information or maybe my persona information was used while in vacation in XXXX. I never received any serives from XXXX  in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: NV

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Servicer under contract with Federal Student Aid
State: FL

Complaint narrative:
The Federally Owned incorporated United States of America is Bankrupt see : Bankruptcy act of 1933 All obligations are the responsibility of THE UNITED STATES FEDERAL GOVERNMENT who pledged We the People as surety I am a non taxpayer unincorporated man living on the land/soil I am the creditor and The U.S. Department of Education , THE U.S. DEPARTMENT OF EDUCATION are debtors operating in the bankruptcy under the Bankruptcy Act and must by law Discharge any debt associated to my estate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and any other spelling or variation associated to me, who am the Beneficiary and Agent of the estate must I respectfully demand to be discharged and directed to the Federal Reserve Bank or United States Treasury . I who shall not be with LEGAL NAME am the administrator of the account and respectfully demand any and all claims on my estate XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX to be discharged via XXXX XXXX XXXX XXXX XXXX and I my estate be credited for the full amount.

Company response to consumer: Untimely response
Consumer complaint received 2025-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I requested assistance from Experian verifying accounts were legitimate via disputes. All requests returned no proof of debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: CBC Companies, Inc.
State: FL

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain anaccurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. XXXX XXXX XXXX XXXX XXXX XXXX certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: AL

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
Previously filed with Barclays bank to return monies from two balance transfers from XXXX XXXX. 
The first check for {$15000.00} has been received. The second check for XXXX $ has not yet been paid. I was hoping I wouldnt have to open another report, but I have called and cant seem to get any information again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: CO

Complaint narrative:
This complaint is against Trans-Union for their failure to conduct a proper and thorough investigation into multiple disputes I have filed.

The disputed accounts contain erroneous information that is negatively impacting my credit score and hindering my ability to obtain credit. Despite my repeated attempts to rectify these inaccuracies through the proper channels, the response and action from Trans-Union have been unsatisfactory and non-compliant with the Fair Credit Reporting Act ( FCRA ) & The consumer Law 15 U.C.code 1681E ( B ) compliance procedures Accuracy of Report.

Inaccurate Disputed accounts attached below.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am submitting this formal complaint regarding Transunion 's violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to their failure to address fraudulent accounts on my credit report despite proper notification and submission of required documentation. On XX/XX/XXXX, I disputed several fraudulent accounts and provided Transunion with all necessary documents, including a valid identity theft affidavit, proof of address, government-issued ID, and evidence linking me to a data breach. However, Transunion failed to block the disputed items within the four business days required by 605B and instead " verified '' the accounts without disclosing the sources or evidence of verification, violating 611 's mandate for a reasonable reinvestigation and transparency. Their actions contravene established precedent, such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which affirm the rights of consumers to accurate reporting and proper investigation of disputes. This pattern of non-compliance with statutory obligations and disregard for the CFPBs XXXX bulletin underscores Transunion 's failure to uphold consumer protections under the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
I was robbed of my personal belongings a couple of years ago .I started to get phone calls from debt collectors that I had no knowledge of which made me run my credit report. On my credit report is a lot of inquires that I DID NOT AUTHORIZE.I am not familiar with none of these companies .I would like action to be taken about this matter as it is affecting my credit an everyday life. I would like them inquires to be removed. I would like a investigation of this matter. I would also like a follow up of what is being done. As you can see I have been trying to settle this before .However I would like some form of communication about this matter. There are also credit cards on my report that I have never had a XXXX credit card. I did not authorize no credit cards as I have never physically owned a credit card. Please contact me either written or electronic communication about this matter. 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 monetary relief
Consumer complaint received 2025-01-13 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: ID

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I asked you to investigate the inaccuracies on this account. You did not fix the inaccuracies in that investigation. So, on XX/XX/XXXX I asked you to re-investigate this account and fix the inaccuracies. After your re-investigation, you still failed to fix the inaccuracies on this account. I asked again to fix the inaccuracies on XX/XX/XXXX, and you still failed to fix the inaccuracies. So, now after asking you to fix the inaccurate and fraudulent data on my credit report XXXX times, it is still showing up inaccurately. You are showing that this account was charged off every single month from XX/XX/XXXX to XX/XX/XXXX. Obviously accounts can not be charged off XXXX times. This is intentionally fraudulent and re-aging my account. You did not fix this problem. Also, the credit report does not show ANY of my payments to this account. How can the balance go down if you don't know what my payments were? You need to show my payments and payment amounts so creditors can see my payment history. In addition you need to only show this his been charged off just XXXX. Due to the continued mistakes and neglect on fixing them for this account, I demand this account be deleted. This is highly injurious to my credit, it undermines the faith in the credit reporting system, is illegal, and against the FCRA statutes. I am demanding a deletion of this account. Failure to comply with this demand within the specified timeframe will leave me no choice but to pursue legal remedies, which may include filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as seeking damages through litigation. I look forward to your prompt response and resolution of this matter. Please confirm receipt of this letter and provide a written response outlining the steps you are taking to address this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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:
MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXX AND XXXX DATA BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . 

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN XXXX BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND 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