vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-31 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:
I am writing regarding unresolved inaccuracies on my credit report and your failure to conduct a reasonable investigation as required under the Fair Credit Reporting Act ( FCRA ). This letter services as my formal Round 3 dispute the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  " account remains unverifiable '' Recently, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against XXXXXXXX XXXX XXXX for engaging in sham investigations of consumer disputes. The CFPB 's complaint highlights that XXXX improperly marked disputes as frivolous or conducted superficial investigations that fail to verify the accuracy of reported information. This practice violates the rights of consumers under the FCRA. 

As per the FCRA 611 ( 15 U.S.C 1681i ), Experian is required to : 1. Conduct a reasonable reinvestigation when a consumer disputes the accuracy of information.

2. Notify the furnisher oif the disputed information.

3. Delete or correct information that can not be verified within the required timeframe.

Given the CFPB 's findings and your previous handling of my disputes, I am concerned that you have not fulfilled your statutory obligations. Let this lett
er serve as formal notice that I expect the following actions to be taken immediately : 1.Conduct a thorough and reasonable investigation into the disputed accounts listed above.

2. Delete or correct any unverifiable, inaccurate, or incomplete information.

3. Provide me with a detailed explanation of the investigation process and furnish supporting evidence to verify the information in question.

4.Send me and updated copy of my credit report reflecting any changes.

Under FCRA 611 ( a ) ( 5 ) ( A ), if the disputed items can not be verified, you are legally obligated to remove them from my credit file. 

Failure to comply with the FCRA will leave me with no choice but to escalate this matter further by filling a complaint with the CFPB, the Federal Trade Commission ( FTC ), and my state 's Attorney General 's office. 

I trust that you will take immediate corrective action and provide a response within the 30 days required by law. 

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 non-monetary relief
Consumer complaint received 2025-01-31 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: MI

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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 2025-01-31 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: Mercedes Benz Financial Services
State: GA

Complaint narrative:
To remove this account based off the FCRA and consumer law of 15 USC 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Account charged off but I haven't recieved 1099c have been disputing for several months.

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 2025-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
XXXX  XXXX XXXX SC XXXX ( XXXX ) XXXX XXXX Account # XXXX Open XX/XX/year> My Identity was stolen and my information was used without knowledge or approval, and this account show multiple on my credit report and also sold to a collector. 15 USC 1602 ( g ) ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: FL

Complaint narrative:
Equifax has failed to fulfill its legal obligation under the fair Credit Reporting Act to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau has recently filed a lawsuit against Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Equifax has neither corrected nor removed disputed items despite the evidence. It provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as EquifaxXXXX inaction violates federal law, and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: NH

Complaint narrative:
I paid off several loans in full and received confirmation of this. Several months later they added money back to these loans and won't remove it. They say I need to pay it now and they give the money back once this point is clarified, but I won't pay because I doubt this money will ever be repaid to me. I attached the certificate stating I paid in full, and the current balances where they added money back ( Loans XXXX ). I called and they " don't know the problem and may take up to XXXX business days to resolve ''. I have the receipts so this should be resolved immediately.This is regarding case # 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 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ID

Complaint narrative:
I lost my job in 2023 and I havent been contacted by any of my previous lenders in regards to my current salary or anything that has changed in my life and I dont know if the balances are XXXX  % accurate and where the information came from. I believe that well over half of my account accounts are falsely marked. I had to sell my home and am now homeless

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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:
XX/XX/XXXX To Whom It May Concern, I am reaching out to dispute an inaccurate account on my credit report. This account was purchased by a third-party debt collector, XXXX XXXX XXXX and the information being reported is incorrect. Specifically : The account status is not accurate. 
The balance is incorrect. 
The debt was paid for less than what was originally owed by the third-party collector. 
I have attached a copy of my credit report with the issue clearly highlighted. Since the information is not correct or complete, I am requesting that this account be removed immediately from my credit file. 
Also, I would like clarification on how much the collection company actually paid for this debt, as my credit report does not reflect this. If the amount reported is not accurate, this could be a violation of the Fair Credit Reporting Act ( FCRA ). 
Please update my credit file and confirm in writing once this has been corrected. I appreciate your prompt attention to this matter. 
Thank you, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Social security # : 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 2025-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I tried to open a bank account and there were several accounts opened that opened outside where I live. I live in California. Consumer # XXXX, XXXX  XXXX  account was opened on XX/XX/year>, XXXX XXXX  was opened on XX/XX/year>, there was a fraudulent deposit in my account of {$18000.00} to my XXXX  XXXX account back in approximately XX/XX/year> which caused to closed when I had no knowledge of it until XXXX  XXXX called me i called XXXX  XXXX they didn't help me. I closed XXXX bank, and contacted XXXX  XXXX. Still can't open a bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: CA

Complaint narrative:
Upon reviewing my credit report, I identified several errors. Under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) of the FCRA, the credit bureaus are required to verify the accuracy of this account. Reporting unverified information without proper validation within the legal timeframe is not permissible. I request that you investigate and correct the account listed on my credit report : XXXX XXXX XXXX : {$350000.00}

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 2025-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: BTH Management
State: NJ

Complaint narrative:
The debt collection company Plaza Services at XXXX XXXX XXXX # XXXX XXXX, GA, XXXX continues to maliciously report a debt that I do not owe them. I did not sign a contract with them and they do not have the right or my permission to report on my credit report. I have done 2 or 3 disputes as any debt collection company does not have the right to report a charged off account on a credit report as it is considered income. Income is not supposed to be reported on a credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: CarMax, Inc.
State: FL

Complaint narrative:
CarMax Auto Finance Loan Number XXXX CarMax Auto Finance is erroneously reporting to all credit bureaus a XXXX  day late payment for the month XXXX of XXXX. I had made the XXXX payment ( which was due on XX/XX/XXXX ) on XX/XX/XXXX ( not XXXX  days late, receipt attached ). Upon calling CarMax Auto Finance I was informed that the payment that was being reported late was the XXXX payment. I have correspondence from CarMax ( please see attached ) confirming that my XXXX payment was extended XXXX month ( per their catastrophe relief program ). Therefore this late payment was reported by error and now CarMax is refusing to delete the late payment from all credit bureaus. This is affecting my credit and I need help as I have not been able to resolve it. 
Thank you in advance XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: AZ

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX / XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting this fraudulent account in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, this account was eliminated and not verified by others bureaus I don't understand how they usually say that this account is mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete this account. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
XX/XX/year> a hard inquiry appeared on my credit report for a Lowes credit card from synchrony bank. I did not apply for this card. I havent stepped foot in a Lowes for years and dont even own a home. Need this removed please.

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 2025-01-31 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 have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX presume that no proof of the alleged debt. nor therefore any such that in fact, therefore exist. ( please remove this account before I seek litigation for defamation of character. ) XXXX balance {$64000.00}.

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 2025-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kohn Law Firm S.C.
State: IL

Complaint narrative:
CFPB Complaint Against Kohn Law Firm Complaint Title : Debt Collection Violations & Failure to Validate Debt Company Name : Kohn Law Firm S.C . 

Issue : Debt collection, Failure to Validate Debt, Improper Collection Practices Description : I am submitting this complaint against Kohn Law Firm S.C. for the following violations : Failure to validate debt after multiple requests under 15 U.S.C. 1692g.

Continued collection attempts without validation, which is illegal under the FDCPA. 
Misrepresenting their legal authority to collect by not providing proof of ownership or transfer of debt. 
Attempting to collect on behalf of XXXX XXXX XXXX without providing legal documentation authorizing them to do so. 
Failing to cease collection activities despite not validating the debt. 
Not responding to a formal debt validation request before reporting the debt to the CFPB. 
Failure to provide their Illinois debt collection license, which is required to collect debts in the state. 

Attachments : Debt Validation Request Letter to Kohn Law Firm S.C . 
Illinois license search proving Kohn Law Firm is not licensed to collect in the state Previous correspondence requesting validation XXXX credit report showing account placement under XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: NC

Complaint narrative:
I am submitting this complaint regarding violations of my rights under the Fair Credit Reporting Act ( FCRA ) by TransUnion, in relation to inaccurate reporting of my XXXX XXXX account ( Creditor : XXXX XXXX, Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account # XXXX ). As an XXXX XXXX member currently XXXX, I am deeply concerned that my FCRA rights are being ignored, and corrective action must be taken immediately. Summary of Issues : 1. Closed Account Updates and Balance Inaccuracy : The account in question was closed as of XX/XX/year>. Despite this, XXXX XXXX has continued to make unauthorized balance updates, increasing the reported balance from {$7000.00} to {$7800.00} without valid explanation or documentation.

2. False Account Reporting : TransUnion is reporting an account { XXXX XXXX XXXX } on my credit report that does not belong to me. I have never opened, used, or authorized this account, yet it continues to appear as a derogatory mark on my credit file. 
I have requested proof of the original contract and verification of my authorization for this account, yet TransUnion has failed to provide any supporting documentation. 
XXXX. Incorrect Payment Status Reporting : The payment status of this account has been inaccurately reported as " Account Paid in Full was a Collection, '' which is misleading and damaging to my credit standing. This misrepresentation further violates my FCRA rights.

4. Improper Verification Process by TransUnion : TransUnion has failed to obtain legally required proof of contract, documentation of the original debt obligation, or evidence of how the investigation was conducted.

This violates TransUnions duty to ensure accuracy and transparency under the FCRA.

5. Failure to Properly Address Disputes : I have submitted multiple formal dispute claims regarding these accounts in the past two months. TransUnion has failed to provide : Any documentation validating the debts. 
Proof of a legitimate investigation. 
Required notice of the outcome of the dispute process.

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 2025-01-31 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 contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

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 2025-01-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Maximus Federal Services, Inc.
State: IN

Complaint narrative:
I am almost XXXX XXXX XXXX I have been trying to make arrangements over the years to get these paid off but I can ever financially afford to pay anything on them I am struggling I just came out of a divorce a few years ago trying to raise my daughter now I'm just trying to keep up on my bills I can not afford to pay the student loans again I am almost XXXX XXXX XXXX I do not have the money

Company response to consumer: Closed with explanation