vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-04 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: IA

Complaint narrative:
I am submitting this dispute regarding the following negative items on my credit report : XXXX  XXXX - XXXX - {$2200.00} XXXX - XXXX - {$15000.00} XXXX XXXX XXXX - XXXX - {$4900.00} Employers : XXXX These entries remain unverified and raise serious concerns about their accuracy. I have made multiple attempts to resolve these discrepancies by submitting disputes and providing supporting documents, yet no corrective action has been taken. This lack of resolution has negatively impacted my financial stability and taken a significant toll on my overall health. The ongoing stress caused by these unresolved issues has made it difficult to focus on daily responsibilities. 

As stated in the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report free of inaccurate or unverified information. I request a thorough investigation and prompt resolution of these matters to ensure compliance with federal regulations.

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 2025-02-04 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. My personal information has been exposed and the national data breach, revieing my credit reports. I noticed some accounts I am unfamiliar with. I have asked the CRA for validation of debt however, the information has not been provided due to my information being exposed, I have submitted a FTC complaint reporting the information. I am not familiar with.

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 2025-02-04 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: TX

Complaint narrative:
This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX XXXX XXXX {$0.00} US Department of EDU XXXX {$1800.00} US Department of EDU XXXX {$4200.00} These credit accounts are the results of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: NY

Complaint narrative:
Good day! I'd like to let you know that the transactions on this account and its respective charges are all fraudulent to which I never benefitted from. Please prevent further harm and fraud to my personal information by having all these fraudulent transactions and account removed from my credit report. It would be a big help. 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 explanation
Consumer complaint received 2025-02-04 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: WA

Complaint narrative:
I noticed fraudulent accounts on my credit report and disputed them with Equifax and TransUnion, providing evidence that they did not belong to me. Despite submitting proof, I later received a response stating that the accounts were verified as mine. I am requesting a reinvestigation, as the information is inaccurate and negatively impacts my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: CA

Complaint narrative:
I HAVE ACCOUNTS THAT ARE CHARGEOFFS THAT ARE REPORTING ON MY CREDIT REPORT. THESE CHARGE-OFF DEBTS HAVE BEEN FILED AS TAXABLE INCOME AND CAN NO LONGER REPORT TO MY CREDIT PROFILE. THIS VIOLATES 15 USC 1681 EB

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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 writing to address a pressing issue regarding fraudulent inquiries and accounts on my credit report. Despite my several attempts to resolve this matter, these entries, which do not belong to me, remain unresolved. As a victim of identity theft, I am not responsible for these items, and they have caused significant stress and financial hardship. 
The inaccuracies on my credit report have severely impacted my ability to purchase a home and provide for my family, creating undue financial strain. If this issue is not resolved promptly

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: EGL US, LLC
State: CA

Complaint narrative:
BMG has pushed me to tears. They repeatedly tested, left phone message and emailed all within minutes. For months. I filed a complaint with CFPB and BMG responded with untrue information. I have attached a log sheet I created to show the constant barage of communications. BMG did not include an option for me to opt out of these electonic communictaions. Also, I never would have done business with them had I known my positive payment history would not make a difference in my interest rate. And had I known, I would not have done business with them because they put each refi as a new loan. My credit report shows many loans with BMG. This transaction with BMG has proven to be detrimental to me, my mental state and my financial picture. I honestly thought as time went, my interest rate would adjust with my payment history. Now I'm XX/XX/XXXXXXXXXX/XX/XXXXand can no longer afford the payment. I fell behind when I was out of work. Look at how they harrassed me constantly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: DE

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigaie my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to address a pressing issue regarding fraudulent inquiries and accounts on my credit report. Despite my several attempts to resolve this matter, these entries, which do not belong to me, remain unresolved. As a victim of identity theft, I am not responsible for these items, and they have caused significant stress and financial hardship. 
The inaccuracies on my credit report have severely impacted my ability to purchase a home and provide for my family, creating undue financial strain. If this issue is not resolved promptly

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 2025-02-04 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 writing to address a pressing issue regarding fraudulent inquiries and accounts on my credit report. Despite my several attempts to resolve this matter, these entries, which do not belong to me, remain unresolved. As a victim of identity theft, I am not responsible for these items, and they have caused significant stress and financial hardship. 
The inaccuracies on my credit report have severely impacted my ability to purchase a home and provide for my family, creating undue financial strain. If this issue is not resolved promptly

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 2025-02-04 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: NY

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-02-04 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: GA

Complaint narrative:
I am writing to dispute inaccurate reporting on my credit report regarding the following account : Creditor : XXXX Account Number : XXXX Dispute Reasons : Incorrect charge-off reporting : The account was charged off in XX/XX/XXXX, but it continues to report charge-offs every month in XXXX and XXXX, which is inaccurate. 

Incorrect balance reporting : The report states a {$10000.00} balance, yet the charge-off amount was {$30000.00}. If the debt was sold or settled, the balance should be updated accordingly. 

Incorrect removal date : If the first delinquency was before XX/XX/XXXX, the account should be removed earlier than XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
15 U.S.C. 1681 is the Fair Credit Reporting Act ( FCRA ), which regulates access to consumer credit reports. The FCRA 's purpose is to protect the privacy of consumers ' personal information, and to ensure that credit reports are accurate and fair.

Prohibits debt collectors from using abusive, unfair, or deceptive practices to collect from consumers if they are behind in paying their bills or a creditor 's records mistakenly make it appear that they are. 
XXXXXXXX XXXX XXXX XXXXXXXX

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 2025-02-04 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: WI

Complaint narrative:
15 U.S.C. 1681 is the Fair Credit Reporting Act ( FCRA ), which regulates access to consumer credit reports. The FCRA 's purpose is to protect the privacy of consumers ' personal information, and to ensure that credit reports are accurate and fair.

Prohibits debt collectors from using abusive, unfair, or deceptive practices to collect from consumers if they are behind in paying their bills or a creditor 's records mistakenly make it appear that they are. 
XXXXXXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CCM Finance LLC
State: TX

Complaint narrative:
I bought a XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX. Shortly after buying this vehicle I had to bring it in because the starter went out. Another repair was needed maybe two months later dealing with the motor. The heads were bad. While at the mechanic shop I discovered through the shop that my vehicle had been in one or more accidents because it was being held together with glue and zippy ties. I reported it to the finance who promised no previous damages and that I had full warranty. The vehicle has been giving me mechanical issues for two years. No help from the finance company all they want is payment. They attempted to take me to court and I told them I had all communications recorded between us and what they promised and they dropped the suit. I would like for this vehicle to be removed off my credit report and all funds used concerning this vehicle returned. The finance company name is CCM FINANCE. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: TX

Complaint narrative:
I've recently checked my credit report and noticed incorrect and inaccurate personal information such as addresses relating to identity theft.

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 2025-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I recently updated my phone number in their system and then transferred {$2000.00} to my wife using XXXX. I tried to make a second payment and it was not allowed. 

This led to them locking me out of my online account access. 

I have been on hold for six hours over the last several weeks. No one is willing to listen to my pleas, they just transfer me to a fraud department that insists I provide a non-existent reference number, then tells me to come into their physical branch in person. But I live in XXXX and can not do that. 

I am who I say I am and need access to my account. This situation is very frustrating.

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 2025-02-04 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: NJ

Complaint narrative:
I initiated my final PSLF Employment Certification with my current employer on XX/XX/XXXX after completing 120 qualifying payments. My employer manually signed the PSLF Employment Certification Form on XX/XX/XXXX and I submitted it via the Federal Student Aid Website. I called 1-2 times monthly thereafter to check on the status of my application and was told that I would receive a response to my application by XX/XX/XXXX. I did not receive a response by that date, so I called on XX/XX/XXXX to escalate the case ; no progress was made, so I called again on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, I received a rejection letter ( see attached " Rejection XXXX '' ) that stated that my form was not signed and therefore could not be processed and I would have to submit a new Employment Certification Form. However, my form was indeed signed ( see attached " XXXX XXXX Application XXXX '' )- I escalated the matter on XX/XX/XXXX and received feedback that the form was SUBMITTED on XX/XX/XXXX and therefore, the signature that was on my form dated XX/XX/XXXX was outdated because the signature date was not within 40 days of the submission date ( see attached " FSA Feedback Case XXXX '' ). Another piece of feedback I received verbally was that I was sent a Missing Information Request ( which is accurate ) that indicated that I only had 24 hours to get the Employment Certification Form signed by my employer ( which is inaccurate ; there is no indication of that timeframe on the attached " Missing Information Request. '' I have talked to many customer service agents and supervisors since then who have acknowledged that my form was indeed submitted on XX/XX/XXXX but that there was nothing they could do since the case was already closed. They advised me to submit a new Employment Certification Form since I am still with the same employer ( which I did on XX/XX/XXXX, see attached " XXXX Faxed PSLF Employment Certification XXXX '' ) ; as of XX/XX/XXXX, I was told that it will take XXXX business days ( approximately 4.5 months ) to review my newly submitted form, putting my potential date of forgiveness at XXXX XXXX ; meanwhile, I became eligible for forgiveness in XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: TX

Complaint narrative:
I've recently checked my credit report and noticed incorrect and inaccurate personal information such as addresses related to identity theft.

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 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-02-04 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: CT

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief