vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-26 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: TX

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 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
So someone took a notebook with my SSN wrote In it so I tried to create an Experian account to protect myself against identity theft but someone already had created an account with my social and I don't recognize the number or email that was used

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 2025-03-26 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: MD

Complaint narrative:
I am disputing an inaccurate charge-off on my credit report by XXXX XXXX XXXX XXXX as shown on my Equifax report . The account is listed as a " profit and loss write-off, '' yet XXXX has verbally told me the debt was not canceled, and that a 1099-C was never issued. This is contradictory. 

On XX/XX/year>, I sent a certified dispute letter to Equifax, including a copy of my government-issued ID and a screenshot of my credit report, showing that XXXX reported the account as written off. I have not received a clear explanation or validation.

This violates my rights under : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 I have the right to accurate and complete credit reporting. If a debt is canceled or forgiven, it must be reported correctly, and I must be notified.

IRS Guidelines Under IRS rules, Form 1099-C must be issued when {$600.00} or more of debt is canceled. If XXXX claimed a " profit and loss write-off, '' it may indicate the debt was forgiven, triggering the requirement to send a 1099-C.

Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g I have the right to request debt validation and receive a breakdown of the amount owed, which I have not received.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: FL

Complaint narrative:
Per FSA they sent a letter to Mohela stating the remaining balance was forgiven in XX/XX/XXXX. Please check your records as I have a recorded phone conversation with FSA stating that the remaining balance was forgiven and that my consolidation included loans from XXXX XXXX. The remaining balance left with Mohela is {$5400.00} which was consolidated with my original loans that were forgiven in XXXX. Attached is the consolidation application as proof. Per Sweet Relief ( XXXX XXXX XXXX  ), my remaining balance should be forgiven and I should have a XXXX balance as Student Aid.Gov has forgiven all loans and shows a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: GA

Complaint narrative:
I attended XXXX XXXX XXXX XXXX which has been shut down but this loan is currently still on my credit report. I received notification that this loan id eligible for discharge and I can stop payment for this Loan. I need this removed as soon as possible since it is weighing down my credit score.

Company response to consumer: Untimely response
Consumer complaint received 2025-03-26 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: FL

Complaint narrative:
- I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

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 2025-03-26 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 am sending this complaint to formally dispute and request the removal of certain inquiry from my credit report. This inquiry, initiated by Equifax, was made without my authorization and are negatively affecting my credit profile. I believe this inquiry were either made in error or without my consent. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation and removal of this inquiry. The FCRA mandates that any unauthorized or erroneous inquiry must be corrected to maintain the accuracy of consumer credit reports. To assist with your investigation and verification process, I have attached the relevant supporting documents. 
XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: FL

Complaint narrative:
Subject : Final Notice - Dispute of Unauthorized Collection Account on My Credit Report Dear Sir/Madam, I am writing to follow up on my previous correspondence dated XX/XX/year>, in which I disputed the following collection account on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( CFPA ) : **Creditor/Collection Agency Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: IL

Complaint narrative:
XXXX XXXX is saying I owe them XXXX for a house at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. That went into foreclosure in XXXX and is charging me for service I didn't receive at the address during that time frame. I live in the XXXX of XXXX. My son was XXXX  in XX/XX/XXXX, and moved in XX/XX/XXXX. I know I owed something, not that much but I didn't live there from XX/XX/XXXX through XXXX as they're claiming because the house was foreclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: FL

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

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 2025-03-26 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: PA

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 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information wad exposed in several data breaches as well. I have no recollection of applying for any of these accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days! These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent further harm to my financial well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information wad exposed in several data breaches as well. I have no recollection of applying for any of these accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days! These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent further harm to my financial well-being.

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 2025-03-26 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:
on XX/XX/year> fraudulent inquiry showed up on my credit report Trans Union from the following companies, XXXX XXXX and XXXXXXXX XXXX, I I need these calls to be removed

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 2025-03-26 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: NEU Money, Inc.
State: CA

Complaint narrative:
on XX/XX/year> fraudulent inquiry showed up on my credit report XXXX XXXX from the following companies, XXXX XXXX and NEU MONEY, I I need these calls to be removed

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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 am sending this complaint to formally dispute and request the removal of certain inquiry from my credit report. This inquiry, initiated by Experian, was made without my authorization and are negatively affecting my credit profile. I believe this inquiry were either made in error or without my consent. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation and removal of this inquiry. The FCRA mandates that any unauthorized or erroneous inquiry must be corrected to maintain the accuracy of consumer credit reports. To assist with your investigation and verification process, I have attached the relevant supporting documents. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-03-26 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: FL

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have been attempting to get my funds released as there was no legal reason to hold on to my money they won't discuss it with me my attorney has confirmed that there is no reason to hold onto my money this has been going on for years I'm in financial distress because I can't access my money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: FC HoldCo LLC
State: TX

Complaint narrative:
I am reaching out regarding a duplicate and unvalidated debt appearing on my credit report under multiple account numbers. Despite my efforts to dispute this matter through the credit bureaus, the issue remains unresolved. On XX/XX/XXXX, I spoke with a representative regarding this matter, yet no resolution has been reached. 

The account in question was originally assigned account number XXXX before your system transition. Following the new system implementation in XXXX, the account number appears to have changed multiple times, including but not limited to : XXXX XXXX XXXX XXXX ( post-charge-off ) Due to these discrepancies, I am formally requesting full validation of this debt, including original documentation proving its validity. Additionally, as I have already filed disputes with the CFPB, FTC, and local law enforcement via a police report, I am requesting the immediate removal of these accounts from my credit report. 

Please provide written confirmation that these accounts have been removed from my credit report and that this issue has been resolved. I expect a prompt response and appreciate your cooperation in this matter.

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 2025-03-26 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: TX

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( XXXX ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within XXXX  days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate 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 2025-03-26 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: TX

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( XXXX ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within XXXX  days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
My Credit has been stole by alot of companies in a identity theft where we all had some instant aprovals and by some group of people by the very same police or government and mixing normal people to maintain a target with no recource ilegally because of the persons social status in a XXXX bank XXXX XXXX has stolen my credit card account and my hard earned savings i only have the last 4 because someone of internal rescources manipulated the system and the banks calculator XXXXXXXX XXXXl XXXX credit card XXXX XXXX XXXXXXXX multi account savings and checking and XXXX XXXX XXXX XXXX as is stolen XXXX XXXX and not by me XXXX XXXX XXXX points made on the credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: FL

Complaint narrative:
Subject : Final Notice - Dispute of Unauthorized Collection Account on My Credit Report Dear Sir/Madam, I am writing to follow up on my previous correspondence dated XX/XX/year>, in which I disputed the following collection account on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( CFPA ) : **Creditor/Collection Agency Name : 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 2025-03-26 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to file a complaint regarding an unresolved credit card dispute related to a defective laptop purchase. 

I bought a used laptop from Best Buy on XX/XX/. The device stopped functioning, and I attempted to return it on XX/XX/, but was denied. I subsequently filed a dispute with my credit card issuer on XX/XX/. 

Since filing the dispute, the charge has not been suspended, and I have continued to be billed for and make monthly payments on the laptop. Each time I check the status of the dispute, it simply states under review with no further updates or resolution. I remain willing to return the laptop, as it is non-functional. 

I am seeking clarification on two key issues : 1. Why has the charge not been suspended during the dispute process?

2. Why am I still required to make monthly payments on a product under active dispute? 



I appreciate your assistance in resolving this matter.

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