vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-01 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:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that Experian block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and addresses that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report.

XXXX XXXX opened XX/XX/XXXX with a balance is {$590.00} account number- XXXXXXXX XXXX XXXX XXXX  opened XX/XX/XXXX with a balance of {$0.00} account number XXXXXXXX XXXX XXXX opened XX/XX/XXXX with a balance of {$0.00} account number XXXX. 

There are also fraudulent addresses which are the following : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint ( # XXXX ), as proof from the US Federal Trade Commission that all of the aforementioned consumer loans, and inquiries are the result of identity theft and fraud.

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 2025-02-01 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:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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: TX

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
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 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 non-monetary relief
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
he account starts with XXXX can't see the whole account number this was for XXXX XXXX they took the car and sold for the car but is still asking me to pay XXXX knowing they have already gotten the full amount for the car this is for all three-credit agency i have been putting in dispute for XXXX, TransUnion, and XXXX for years I've also ask for supporting information for them to do an thorough investigation this practice violates the fair credit reporting act FCRA 15 u.s.c 1681 which mandates a reasonable investigation of disputes, furthermore XXXX, XXXX, TransUnion action may have contravene the consumer financial protection act CFPB 12 u.s.c 5536 a-b as highlighted in the CFPB administrative proceeding file no-2025-cfpb-0002 against them for similar violation, I request the CFPB to take action to ensure that these credit reporting complies with federal law and provides consumers with the necessary proof of investigation also they have so many inquiry on all credit profile that isn't lint to any account I don't know how this happens in I have asked them foe years to remove them they have not remove anything they have had wrong address and names on my account and list of jobs and income that I didn't give them also phone numbers this have been hurting my credit for years it has cause ongoing harm to my credit standing. these failures align with my experience, where XXXX, XXXX, TransUnion has neither corrected nor removed disputed items despite the evidence my information has also been in the data breach for the last 5 years THERE ARE OTHER ACCOUNTS THATS ON MY CREDIT THAT WAS SOLD TO SO MANY COLLECTIONS AGENCY IN THEY WERE PAID BUT STILL ON MY CREDIT

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 2025-02-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase closed my credit card account and refused to reopen it. I requested annual fee refund which I had already paid and had {$0.00} balance with them. Per CFPB case # XXXX, chase agreed to refund the annual fee. However, instead of refunding the fee Chase charged me again and posted balance on the credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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: IL

Complaint narrative:
I was a victim of the XXXX XXXX XXXX and Identity Theft. I have sent Transunion Multiple times my Police Reports and FTC reports and they are still showing ilegal fraud accounts on my profile account is XXXX amount {$1900.00} Transunion continues to break FCRA laws, by law they have to delete Identity Theft items within 4 days of disputing and receiving Documents please help me delete this illegal account immediately. 

I am attaching proof of ID POLICE REPORT AND FTC reports.

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 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

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.

15 U.S.C 1681 section 602 A. 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 ) ( 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 2025-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I am unaware of this debt ; I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you think I received proper notification, send me a copy of the certified letter that was sent to me with my signature.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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: FL

Complaint narrative:
I have a credit card with XXXX XXXX XXXX and the status of that account is reported to Experian, XXXX, and XXXX. The 3 CRAs supply that information to XXXX, which uses it to calculate a Credit-based insurance score for my insurance company ( XXXX ) XXXX In the course of investigating the use of credit based insurance scores I received a credit report from Experian that states that my account is current ( paid as agreed ), but the report also says that I have always paid " {$0.00} '', EVERY MONTH during the life of the account. Since I do not know what XXXX does with this information, I have asked XXXX XXXX XXXXXXXX to verify that it is providing the correct data to Experian, and they have told me that they do send the correct information to Experian. Several times over the past year I have asked Experian to correct these amounts that are being reported, and they say that they are reporting the information correctly. They claim that there is no error on the credit report. I have sent Experian copies of my credit card statements for the past year, showing the amounts paid, and they continue to insist ( as recently as today ) that the " {$0.00} '' that they report as paid every month, is correct. About a year ago I talked to a representative of Experian who looked at the data that tExperian holds and that XXXX provides, and she told me that it is being reported correctly by XXXX, but she did not know why Experian was reporting " {$0.00} '' paid on my credit report. My complain is that Experian is not willing to correct this number, but just insists that it is correct. I can provide the documentation to prove this allegation. I have provided more details to the CFPB in a letter dated XX/XX/year> about the Credit-based Insurance Scores , and the data errors associated with them, that I sent to the CFPB last week, by postal mail. You can find additional information in that letter. I request that the CFPB insist that Experian explain why they continue to report " {$0.00} '' paid on my credit card account, when that is not correct.

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 2025-02-01 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 filing a formal complaint regarding fraudulent accounts on my credit report, which were opened without my authorization. Despite my disputes with Experian, TransUnion, and Equifax, these errors remain unresolved, severely affecting my financial stability. 

Under 15 U.S.C. 1681c-2, I request immediate blocking and deletion of these accounts and a written confirmation of their removal. Failure to comply violates 15 U.S.C. 1681n, entitling me to legal action for damages caused by this willful noncompliance.

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 2025-02-01 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I made a purchased from XXXX XXXX on XX/XX/year> for {$2500.00}. I opened a new account at the store with Synchrony Bank on a 6 months same as cash agreement and was told if I pay it off in full within 6 months it would be same as cash. I started making $ XXXX  monthly payments automatically with the XXXX XXXX XXXX of my XXXX XXXX checking account. The first {$400.00} payment was received by Synchrony Bank on XX/XX/year> for the payment which was due on XX/XX/year>. Because the payment was sent early they apply it to the balance on the account but they did not consider it as the first payment, they said it was a " pre-payment ''. So the next {$400.00} payment they received on XX/XX/year> was applied to the payment due on XX/XX/year> as a late payment and charged me late fees and interest. They continued to apply every payment I made as a late payment for the current month instead of an early payment for the next month. This is all because they did not apply my first payment to the fist payment due on XX/XX/year>. I did not realize I was being charged late fees every month until I went to payoff the account in full and get the remaining balance. That's when I noticed all the late fees. I call them and explained the situation and asked why they did not apply my first payment the first due date and they said because it was paid too early and their system could not handle a payment made that early. After speaking to numerous representatives I managed to get them to waive 2 of the late fees, but I was still charged a total of {$77.00} in fees and interest. I made the final payment that day to payoff the account in full and avoid any further late fees. So basically I was penalized for making all my payments early. I don't think that's right and I'm concerned that this will negatively effect my credit rating as well as being overcharged. Thank you for your assistance 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 monetary relief
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I currently have a freeze on my credit report with transunion and have reported not being able to remove the freeze to apply for credit. I have contacted them several times and no can seem to find out why when I login to my account there is issues with accessing and removing my freeze on my credit report. They have been no help either via email or phone.

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 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Dear CFPB, I am filing a formal complaint against both TransUnion and Experian for failing to provide proof of verification for accounts they claim to have investigated and verified on my credit report. Despite my multiple formal request for documentation demonstrating the accuracy and legitimacy of these accounts, neither credit bureau has provided any supporting evidence to justify their continued reporting. 

Additionally, Experian 's response to my dispute raises further concerns, as they have reinserted previously deleted information back onto my credit report without proper notification or verification. XXXX Report # XXXX and my generated report on XX/XX/year>. Under the Fair Credit Reporting Act ( FCRA ), any reinsertion of deleted information must be accompanied by notice to the consumer and supporting documentation proving its accuracy. Experian 's actions violate my rights and create further inaccuracies on my report. 

Under the FCRA, I have the right to request verification of any reported accounts. If TransUnion and Experian are unable to provide original documentation proving the validity of these accounts, they are required by law to remove them from my credit report. Their failure to do so constitutes a clear violation of my rights under the FCRA and raises concerns about their compliance with federal regulations. 

I request that the CFPB investigate this matter to ensure that TransUnion and Experian are adhering to their legal obligations. Additionally, I demand that all unverifiable accounts be removed from my credit report immediately. If these companies continue to report inaccurate or unverified information, I will have no choice but to explore legal action for their noncompliance and seek damages for any harm caused by their negligence. 

Please provide me with updates regarding this complaint. 

Thank you for your prompt attention to this matter. 

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 2025-02-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: TX

Complaint narrative:
I started repaying my student loans to XXXX in XXXX of XXXX. I then consolidated my loans in XXXX of XXXX, which were transferred to Mohela. XXXX continued to automatically charge me for my loans into XXXX of XXXX before I was able to stop those payments. When I was able to speak with someone at XXXX about where the money went after my loans were no longer with them, I was told that all of the payments that I had made since XXXX of XXXX to XXXX were misallocated to another barrower. They would not tell me who the other barrower was and tried to blame me for allowing it to happen. Now, I have NEVER offered to pay for someone else 's loans, the only automatic payment I had set up were for my own loans. This was a mistake on XXXX end, and they would not own up to it. In XXXX of XXXX, I spoke with XXXX and requested that all of the misallocated funds be transferred to Mohela, my new loan servicer. They completed the request and told me it would take 60 business days for the funds to reflect on my account. It has been over 75 business days and the funds are still not reflected on my student loan account with Mohela. I spent over a week and over 20 hours on hold with Mohela to try and speak with someone who could help me. I was finally able to connect with someone on XX/XX/XXXX after being on hold for almost 7 straight hours. The person that I spoke to ultimately told me that they have no idea where the funds that were transferred from XXXX are and thus there needs to be an investigation. 
This is wholly unacceptable. First my money was given to someone else through no fault of my own, and now they can't even find the money that was transferred to them on my behalf. Due to the payments going to another barrower, this calls into question the credibility of my consolidation as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
ive dispute on website to get inaccurate address removed from from my credit file they have failed to do so. I have even mailed out an letter to dispute it via mail still nothing at what point are they going to correct my address

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
Calls from the same number at least 12 times in less than 7 days. The first call will usually come in at XXXX sharp and the last call will come in right around XXXX. I have in writing a settled on amount that I have been told is not correct. I ask information on why I owe this new amount and the call is forwarded up to the account manager. Then my call is usually disconnected after waiting on hold for a few minutes. I call back and ask to speak directly to an account manager, and am told all personnel are able to help with my account. Then we repeat the cycle. It's literally the definition of insanity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: FL

Complaint narrative:
I sent in letters disputing the inquiries, but to no avail. All they have given is excuses and the run around.

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 2025-02-01 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: FL

Complaint narrative:
I sent in letters disputing the inquiries, but to no avail. All they have given is excuses and the run around.

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