vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-12 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: NC

Complaint narrative:
Experian Conducted Sham Investigations on My Experian file, rather than Properly Reviewing the Alleged Frivolous Disputes, I begged them to do, as required by Federal Law. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Georgia XXXX XXXX XXXX XXXX. Customer Data Security Breach Litigation ; Case XXXX Violations of : Permissible Purpose : 15 USC 1581b Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) Verification : 15 USC 1681i ( 7 ) Responsibilities of Furnishers : 15 USC 1681s-2 I have never given consent or permission to report or share any information about me. Under the Gramm-Leach-Biley Act ( 15 USC 6801-6802 ), I have not signed any consent form allowing my information to be disclosed to non-affiliated third parties, electronically or in writing. 
There is no legal proof supporting the accuracy of these marks, and they have not been properly verified. 

The derogatory information reflected in my credit report maintained by Experian under my Social Security number. As a victim of identity theft and the XXXX XXXX XXXX ( XXXX XXXX. XXXX ), I have been unjustly impacted by fraudulent accounts and inquiries that must be removed from my credit file immediately. I have informed Experian multiple times that the entries below are erroneous and fraudulent. 
Account : XXXX XXXX- Account Number : XXXX Balance : {$5900.00} Account : XXXX CXXXXrd- Account Number : XXXX Balance : {$6100.00} Account Name : XXXX XXXX Account Number : XXXX Balance : {$1400.00} Experian routinely and uncritically accepted the original furnishers response to the above disputed information, even when responses were improbable or illogical on its face. I had no relationship with these entities, nor did I authorize the accounts. These entries are the result of unauthorized activity tied to identity theft. As a consumer reporting agency, you are required by the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) to ensure the accuracy and integrity of the information contained in consumer credit reports. Experian has violated the FCRAs requirements for handling my disputes in several ways, each time I have submitted disputes. Experian has harmed, bullied, and harassed me by violating the : Investigation of Disputed Information ( 15 U.S.C. 1681i ) ; Duty to Delete or Correct Inaccurate Information ( 15 U.S.C. 1681e ( b ) ) : If the disputed information can not be verified or is found to be inaccurate, you must promptly delete or correct it.

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 2025-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery, was a charge off many years ago. Have reappear again.Also- XXXX, was a charge off many years ago. Have reappear again. 
No mail from either, then and now. It have ruined credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eastern Account Systems of Connecticut, Inc.
State: GA

Complaint narrative:
Company- XXXX  Amount- {$450.00} Account opened- XXXX XXXX XX/XX/XXXX Notified- By alert on credit reporting I contacted the Company ( XXXX  ) on XX/XX/year> made them aware this account was opened fraudulently. I recently completed a fraud packet by email. I included all documents requested, i.e. Drivers License/ Lease and signed and dated affidavit. 

All documents were emailed on XXXX. XXXX. In Subject line ( XXXX ). Ive called the number XXXX, multiple times to make sure they received documentation ( they did ). They asked for copies, and not original ( XXXX ). I sent in everything they asked for. My drivers license shows my address as - XXXX XXXX XXXX, XXXX GA, XXXX The lease shows the same information. I was told that there was a phone number used to open the account, this number was also used to open several other accounts in multiple names. They have flagged the information. But yet Im calling and stressing that they resolve this immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: IL

Complaint narrative:
On XX/XX/year> I received an alert that there was a change to my Experian, XXXX and XXXX Credit Report. When I signed into each one of my credit bureau online accounts I noticed that there was a report of 2 accounts that were reporting without my permission. One account is XXXX XXXX XXXX  and another for CAF. According to the Fair Credit Act ( FCRA ) Section 605B, it is illegal to report information on my credit report without my permission. I did not give Experain Permission to report this on my credit profile and has attached the screenshot of the notification I received as well. I disputed the information however Experian, XXXX and XXXX has failed to comply. Things affecting my ability to obtain sufficient and fair due process to credit because of this

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 2025-01-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CT

Complaint narrative:
FedLoan Servicing originally serviced my loans. They did not follow through on my request, in XXXX, to have my payments made after XX/XX/XXXX ( during the COVID 19 pandemic ) refunded through the CARES Act and they did not communicate this to XXXX, who took over as my loan servicer. By the time I was able to meaningfully connect with a helpful person at XXXX ( call wait times were prohibitively long during my work day ), I was told that I had missed the deadline to request a refund, even though my initial request was made far in advance of a deadline that I was not aware existed ( I wasnt able to find any communication from XXXX that a deadline was enacted ). I have tried every avenue to find a way to receive this refund and Im not sure where to go from here. Thank you for your time Im so appreciative of any help you can provide.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Radius Global Solutions LLC
State: MS

Complaint narrative:
I am filing this complaint to report Radius Global Solutions attempts to collect a debt that does not belong to me. The account in question ( # XXXX ) is listed as a collection account, yet I have no knowledge of this debt and have never had any financial dealings with the original creditor, XXXX XXXX XXXX XXXX. Despite disputing the validity of this debt in writing, Radius Global Solutions has failed to provide adequate documentation to validate the debt. 
Specifically : I requested validation of the debt under the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( b ).

Radius Global Solutions did not provide a copy of the original signed agreement or contract that establishes my obligation to this debt. 

Radius Global Solutions has not provided an itemized breakdown of the debt, including the principal amount, fees, and interest charges. 

The company continues to report this debt to credit reporting agencies, damaging my credit profile without proper validation.

Furthermore, this account may have been the result of identity theft, as I am a victim of the XXXX data breach. This raises serious concerns about the legitimacy of Radius Global Solutions collection activities and their compliance with federal laws. 
How This Has Affected Me : Radius Global Solutions actions have caused undue stress and negatively impacted my credit score.

The inaccurate reporting has created barriers to accessing credit and other financial opportunities.

Their failure to provide proper validation and continued attempts to collect on an invalid debt have violated my rights under the FDCPA.

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 2025-01-12 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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
Consumer complaint received 2025-01-12 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXXXXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CHERRY TECHNOLOGIES INC.
State: CA

Complaint narrative:
The account is not reported the same on all of the credit bureaus. 
After it was reported as collections it says that I have late payments The spelling of my name is incorrect the address is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: TX

Complaint narrative:
I am writing to formally file a complaint against Equifax for improper reporting of my account with XXXX XXXX XXXX, which violates the Fair Credit Reporting Act ( FCRA ). Equifaxs handling of this account has caused significant distress and harm to my credit profile due to its inaccurate, inconsistent, and misleading reporting practices. 

Account Details : Creditor : XXXX XXXX XXXX. 
Account Type : Installment Auto Loan Account Number : XXXX Improper Reopening and Closing of the Account : Recently, Equifax reopened the account, which had been charged off, and then closed it again within a week. This action was taken without proper justification or explanation and directly contradicts the accurate historical status of the account. 
Inconsistent Reporting After Charge-Off : The account was charged off on XX/XX/XXXX, yet Equifax has continued to report the same balance and past-due amounts as if the account were active. This misrepresentation fails to align with FCRA requirements to provide complete and accurate information. 
Failure to Update Payment History Accurately : Any payments made since the charge-off date have not been reflected, creating the false impression that I have failed to address the account since XX/XX/XXXX. 
FCRA Violations : Equifaxs actions violate the following provisions of the FCRA : 15 U.S.C. 1681e ( b ) : Failure to follow reasonable procedures to ensure maximum possible accuracy in consumer reports.

15 U.S.C. 1681i ( a ) : Failure to investigate and correct inaccurate information upon dispute.

15 U.S.C. 1681c ( a ) ( 4 ) : Misreporting a charged-off account by continuing to report a past-due balance incorrectly. 

These errors have negatively impacted my credit score, making it difficult for me to access fair financial opportunities. Additionally, the improper reopening and closing of the account has caused unnecessary confusion and stress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FIRST PORTFOLIO SERVICING INC
State: MD

Complaint narrative:
They have inaccurate information stating that I owe them money they call harass and threaten and very rude I requested them to send me original documents that I owe them. 
once I say that they will get very defensive and aggressive. The company has a very bad rep and I have no idea of what accounts they are talking about, or they are old accounts that has closed out or got counted in my bankruptcy.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Information on Credit Report To Whom It May Concern, I am writing to formally dispute the information reported on my credit report concerning the account listed below, as it contains several inaccuracies. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( 5 ), I am requesting that this account be either updated to accurately reflect the true information or removed entirely, as it does not meet the standards of accuracy mandated by law. 

Here are the details of the account in question : Account Name : Affirm Account Number : XXXX As per the FCRA, all information contained within my credit report must be 100 % accurate across all three credit reporting agencies. Any discrepancies or inaccuracies must be corrected. If the information can not be verified as accurate, the account must be removed from my credit report. The account list as being late in the month of XX/XX/XXXX. This is incorrect information. 

Please note that under the Fair Credit Reporting Act, you are required to investigate my dispute within XXXX days. Should my request not be resolved within this time frame, I will have no choice but to pursue legal action, seeking damages of {$1000.00} for each inaccuracy in my credit report, as provided under the statute. 

I trust that you will handle this matter promptly and in compliance with the law. Please inform me of the results of your investigation in writing and update my credit report accordingly. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: NC

Complaint narrative:
FCRA violations : Late Payments : 15 USC 1681 a ( 2Xi ), 15 USC 1681 ; Permissible Purpose : 15 USC 1681b ; Reinsertion Deleted Items : 15 USC 1681i ( 5 ) ( b ) Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 ; Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) ; Verification : 15 USC 1681i ( 7 ) I have informed Equifax many of times that the entries below are erroneous and fraudulent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax has routinely and uncritically accepted the original furnishers response to the above disputed information, even when responses were improbable or illogical on its face. I had no relationship with these entities, nor did I authorize the accounts. These entries are the result of unauthorized activity tied to identity theft. As a consumer reporting agency, you are required by the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) to ensure the accuracy and integrity of the information contained in consumer credit reports. Equifax has violated the FCRAs requirements for handling my disputes in several ways, each time I have submitted disputes. Equifax has harmed, bullied, and harassed me by violating the : Investigation of Disputed Information ( 15 U.S.C. 1681i ) ; Duty to Delete or Correct Inaccurate Information ( 15 U.S.C. 1681e ( b ) ) : If the disputed information can not be verified or is found to be inaccurate, you must promptly delete or correct it. 
Prohibition on Reinsertions ( 15 U.S.C. 1681i ( a ) ( 5 ) ( C ) ) : Information that has been previously deleted as a result of a dispute can not be reinserted into the consumers report unless certain stringent requirements are met. Equifax has failed to implement basic matching tools that prevent or greatly reduce the likelihood of reinsertion by a new furnisher of a previously deleted tradeline ; Notification of Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) : Upon completion of the investigation, you are required to provide me with a detailed written explanation of your findings and a copy of my updated credit report. 
Based on the CFPBs recent lawsuit against XXXX for sham investigations of consumer disputes and improper reinsertion of deleted information, I am concerned that you may fail to meet your obligations under federal law. Inaccurate information has already negatively impacted my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Delete the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: TX

Complaint narrative:
I noticed unauthorized Inquiries on my credit report that i would like removed. According to the FCRA these unverified and Unauthorized items must 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 non-monetary relief
Consumer complaint received 2025-01-12 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: TX

Complaint narrative:
I noticed unauthorized Inquiries on my credit report that i would like removed. According to the FCRA these unverified and Unauthorized items must 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 2025-01-12 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: NJ

Complaint narrative:
In need of {$1000.00} compensation of each violation on 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