vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: 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 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 — Account information incorrect
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
Im writing to bring to your attention a serious issue regarding my credit report. It appears that an account that doesn't belong to me is being mixed with my credit information. This account actually belongs to someone else and is showing up on my report as if its mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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:
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 2025-03-25 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: EQUIFAX, INC.
State: GA

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
Cease and Desist Order Unauthorized and Inaccurate Credit Reporting To Whom It May Concern, Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and related federal statutes, this letter serves as a formal Cease and Desist Order demanding the immediate removal of any and all unauthorized, inaccurate, or unverifiable information reported by your agency in relation to my credit file. Additionally, under federal law, once a debt has been sold, I am no longer responsible for it, and any continued reporting of such a debt as outstanding or delinquent constitutes a violation of my rights. 

Legal Basis for This Request : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Requires credit reporting agencies to conduct a reasonable reinvestigation of disputed information within 30 days. 

15 U.S.C. 1681c ( a ) Prohibits the reporting of obsolete adverse information beyond the allowable statutory period. 

15 U.S.C. 1681e ( b ) Mandates credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy. 

15 U.S.C. 1681s-2 ( b ) Requires data furnishers to investigate and correct inaccurate information upon notice from a consumer reporting agency. 

15 U.S.C. 1681n & 1681o Establishes civil liability for willful and negligent noncompliance with the FCRA. 

15 U.S.C. 1692e ( 8 ) Under the Fair Debt Collection Practices Act ( FDCPA ), prohibits debt collectors from falsely representing the legal status of a debt. 

15 U.S.C. 1692g Requires debt collectors to validate the debt, including proving that they have the legal right to collect it. 

U.C.C. 3-302 & 3-305 States that when a debt is sold, the original obligation is extinguished, and the debtor may no longer be held responsible for the debt by the original creditor. 

Penalties for Non-Compliance : Failure to meet the above resolution will result in immediate legal action, including but not limited to : Formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ). 

Civil litigation to enforce my rights and recover damages caused by your agencys negligence. 

Statutory damages under 15 U.S.C. 1681n, including punitive damages for willful noncompliance. 

Actual damages and attorneys fees under 15 U.S.C. 1681o for negligent noncompliance. 

Sanctions under 15 U.S.C. 1692k for violations of the Fair Debt Collection Practices Act ( FDCPA ), which includes damages of up to {$1000.00} per violation. 

Litigation seeking injunctive relief to prevent further reporting of inaccurate or unauthorized information.

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 2025-03-25 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: DISCOVER BANK
State: NJ

Complaint narrative:
I am writing to dispute a hard inquiry that appears on my credit report. I did not authorize this inquiry, and I am requesting its removal. 

Details of the Unauthorized Inquiry : Creditor Name : XXXX XXXX, XXXX XXXX Address : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX SD XXXX Phone Number : ( XXXX ) XXXX Inquiry Date : XX/XX/XXXX Scheduled to Remain Until : XX/XX/XXXX I did not apply for credit with this institution, nor did I grant permission for this inquiry. Under the Fair Credit Reporting Act ( FCRA ), unauthorized inquiries should be removed from my credit report. 

Please investigate this matter and provide confirmation of the removal. If this inquiry was the result of fraudulent activity, I am prepared to take further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ). 

Thank you for your prompt attention to this matter. Please confirm in writing once this inquiry has been removed.

Company response to consumer: Closed with non-monetary relief
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: NJ

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I've been dealing with identity theft and fraud for going on almost eight years now. Since, XX/XX/XXXX with my one of two stolen XXXX accounts : XXXX and XXXX. I was notified through XXXX with XXXX data breach. Which was App recommended to me from so called friend XXXX XXXX. Data Breach also reported City of XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX this was a Dark Web Breach on XX/XX/XXXX. My XXXX  was taken for over a year and I was finally able to recover it XXXX. Both my daughter and I had our passports stolen in the mail. On XXXX XXXX and we were supposed to be protected by United States Department of State from XXXX XXXX XXXX. I've been in a living nightmare for a while. My house taken three cars stolen and currently not sure how to fix my life and there are catfish pretending to be me. Since, I was constantly getting email accounts taken or locked out from unknown password changes. I made lots of email accounts and trying to figure out if it was a particular company I also switched phone carriers many times. Having my phone number stolen in the transporting process. Need Help A.S.A.P. Thank You!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: FL

Complaint narrative:
I requested a breakdown of my loans with each payment amount. 

The amounts include the payment amount for each loan I have which totals 11 active loans. However, the payment on the letter I received shows that I ow {$530.00} per month and this letter was dated XX/XX/year>. 

However, on my online account, its showing I owe {$770.00} per month and I received XXXX explanation why its such a huge jump. I received a paper letter with the {$530.00} effective payment amount starting XX/XX/year>. While online I was sent a notification on XX/XX/XXXX with the amount of {$770.00} each month. 

This is a HUGE discrepancy and there is XXXX explanation. I also don't understand how such a big mistake can be made and put in writing with a lower payment and then when I called Aidvantage they are telling me I have to pay the {$770.00} amount even though they themselves have XXXX explanation.

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: 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: IL

Complaint narrative:
It has come to my attention that my personal information was exposed in a national data breach. Upon reviewing my credit reports I noticed accounts that I do not recognize I requested debt validation from the credit reporting agencies under 15U.S.C.1692G but they have failed to provide the necessary information likely due to my compromise data as a result, I have filed a complaint with the FTC regarding these unfamiliar accounts

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 2025-03-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT

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 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 2025-03-25 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: IL

Complaint narrative:
I am reporting a charged-off account that is being inaccurately and possibly maliciously reported by XXXXXXXX XXXX . Despite this account being marked as Paid, Closed in XX/XX/year>, my credit shows different statuses and also my reports show 22 consecutive months of 90 days late marks following the original charge-off. This is in violation of the Fair Credit Reporting Act ( FCRA ), which prohibits the re-aging of debt and mandates accurate, non-misleading reporting. 

Additionally, I made payments after the charge-off date until paid in full, and the account now shows a {$0.00} balance. Yet, charge-off and late payment marks have continued to appear monthly, well past when the account should have been updated. This is damaging, inaccurate, and I believe retaliatory, as these marks began or continued shortly after I filed a prior dispute. 

This type of continuous derogatory reporting post-resolution not only misrepresents my credit historyit appears to be punitive in nature, potentially in response to my previous attempts to dispute the account hurting my scores and opportunities.

Company response to consumer: Closed with non-monetary relief
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
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 XXXXXX/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 2025-03-25 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: EQUIFAX, INC.
State: OH

Complaint narrative:
XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX national credit adju Date Opened XX/XX/XXXX Balance {$590.00} XXXXXXXX XXXX date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX bank date opened XX/XX/XXXX Balance {$840.00} XXXX XXXXXXXX XXXX XXXX date opened XX/XX/XXXX Balance {$230.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$250.00} **Inquiries** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I was making payments and I was sent a bill for the wrong amount. I called to verify the amount and no one would talk with me. I was not late paying but they added extra interest. Then someone said I would get a call. The next thing I knew they sold my account to a third party. 
Once it was sold to a third party I asked them for a 1099-c and I have not received it. 
The credit report is not accurate. 
The company violated my rights. 
On my report it shows sold/charged off.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I went to make a joint account with Chase Bank. The other party with me had a treasury check to deposit. During the process of making our account they were not able to add the other party. We were told we would be able to endorse the check to me as a third party check and we both signed and turned over the check. It was placed on a week hold. So XX/XX/XXXX that morning I called now they have been trying to verify the other party through a phone number that this person doesnt use anymore in order to release the funds through a cashiers check. We have contacted the IRS to try to do a stop payment they are saying they can not do anything to speak to the bank. The bank has said today they still can not verify the check holder through his phone number and they wont take his new number or even allow us to verify his identity in person at the bank I need help to figure out what can he do to receive his funds that Chase bank has on hold and they have said today XX/XX/XXXX that he could have to wait 1 to 2 years before they will send the funds back to the IRS.

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: FL

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 2025-03-25 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: EQUIFAX, INC.
State: FL

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 2025-03-25 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I recently submitted a report via email to dispute inaccurate information from the credit bureau regarding my credit card statement. Despite my request for further investigation, the company has failed to take action. I kindly request your immediate attention to resolve this issue. Additionally, I would appreciate a confirmation receipt for my records.

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 2025-03-25 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I have reported incorrect information sent by the credit bureau through my email and formally dispute an error on my credit card statement. Despite my request for further investigation, the company has disregarded the issue. I urge you to resolve this matter promptly and provide a confirmation receipt for my reference.

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: Early Warning Services, LLC
State: NY

Complaint narrative:
On XX/XX/year>, I requested my credit report and noticed that XXXX XXXX XXXXXXXX has placed a note on my report regarding a checking account fraud. I have never committed any type of fraud and have not used XXXX XXXX XXXXXXXX in years. I never received notification of this, and was never aware this occurred. I need this removed from my account as soon as possible as well as investigated. I lost my card and never used the account again since that time period.

Company response to consumer: Closed with explanation