vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me 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 2025-02-10 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: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: NY

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code XXXXi ( XXXX ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within XXXX business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code XXXXn ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code XXXXk holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


XXXX Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA XXXX XXXX ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code XXXXb ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. XXXXc ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have been a victim of identity theft in the 2017 data breach with Equifax and in the new data breach. I have tried multiple times at trying to get proof of validation and I have not received any confirmation letters. I have been denied my rights to receive proof of my signature but havent.

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 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: World Acceptance Corporation
State: TX

Complaint narrative:
XX/XX/year> XXXX pm This date is when the account was cancelled because I decided not to get the loan and did not sign any paperwork nor any money or check was given to me. World Finance Company wrote a statement saying the account had been cancelled in writing. I went to check my credit report and found they had turned this account over to the XXXX Credit reporting agency. 

I had called them the day before and asked them to draw up the papers and I will come down after work and sign them and pick up the money but changed my mind and called them to cancel the loan because it turned out I did not need it. They wrote me a letter stating they had canceled the loan and the account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
bankruptcy is reporting on my credit file and bankruptcy courts do not report information directly to credit bureaus.Therefor, this bankruptcy entry is inaccurately reflected on my report and needs to be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
bankruptcy is reporting on my credit file and bankruptcy courts do not report information directly to credit bureaus.Therefor, this bankruptcy entry is inaccurately reflected on my report and needs to be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio, XXXX XXXX XXXX XXXX Student Loan Forgiveness Dear Sir/Madam, I am writing to formally request complete forgiveness of my student loans due to significant violations of my privacy and federal law, particularly concerning the Family Educational Rights and Privacy Act ( FERPA ) XXXX These violations have caused severe emotional distress and hardship, further exacerbated by the involvement of external parties who have accessed sensitive information related to my education without my consent. 

It has come to my attention that my private educational records were compromised due to an illegal disclosure or breach, specifically involving individuals or entities with no legitimate need to access this information. As you are aware, FERPA is a federal law designed to protect the privacy of student records, and any unauthorized access to these records is a clear violation of my rights under this law. 

Furthermore, I have reason to believe that XXXX XXXX or associated entities have gained unauthorized access to government records that include personal information about my educational background. The improper handling of such sensitive data has not only violated my privacy but has also undermined my ability to trust institutions that hold my personal and academic records. 

Given the severity of these violations, I believe it is both justified and necessary for my student loans to be forgiven as a means of addressing the harm and distress caused by these breaches of privacy. The violation of FERPA rights and the involvement of external actors, particularly those with substantial power and access to sensitive data, has placed an undue burden on me that I should not have to bear. 

I kindly ask that you review my case thoroughly and consider the extenuating circumstances surrounding this matter. I am happy to provide any additional documentation or information needed to support my request. I simply do not feel comfortable with the fact that my personal information has been compromised. This is the reason I believe all of my student loans should be forgiven. I also make below average in America. 

Sincerely, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: TOYOTA MOTOR CREDIT CORPORATION
State: OH

Complaint narrative:
I am writing to dispute and report an inaccurate charge-off entry on my credit report concerning an account ( XXXX ). This charge-off is reported without a corresponding Form XXXX, which contradicts the Fair Credit Reporting Act ( FCRA ) guidelines and IRS regulations regarding debt forgiveness. According to the IRS, a 1099-C form must be issued when a debt is canceled or forgiven, which should be reported as taxable income. However, a 1099-c form has not provided, indicating the debt remains collectible. If the bank has claimed a tax deduction for this charge-off without issuing a 1099-C, it must be corrected to reflect accurate reporting. Furthermore, Toyota Financial Services has sold the debt to a third party ( XXXX XXXX XXXX ) which there is no written agreements signed by me authorizing this action. I demand that this account ( XXXX ) be removed immediately as my rights have been violated under the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
I am the deed holder on a home but was not put on the mortgage before my parents ( who were the initial mortgage holders ) passed away in XXXX. Before my mother died, we called Newrez to ask how to add my name to the mortgage and were told to write a letter with not much other detail. I am not sure if my mother did that or not. 

However, since about a month after she died ( on XXXX ) I have been trying to reach out to Newrez to pay off the mortgage. They would not speak with me, but placed hazard insurance on the house ( even though I had a hazard insurance policy on the house and sent them proof ) and added a very large escrow debt to the mortgage. They finally wrote me a letter in XXXX stating that they had, in fact, placed the insurance in error and removed their redundant policy effective XX/XX/XXXX, but the escrow has not been removed. 

Now, due to the escrow, my initial payoff amount is XXXX more than it would have otherwise been, the mortgage payment has doubled and I am accruing interest each day. No one will speak to me about this and I was initially told to upload my parents ' death certificates and the quit claim deed so that they could be authorized to speak to me, then no response. I called back a week after I submitted what they asked me for and was told I needed to re-upload XXXX of the death certificates and that I should have also been told to upload my drivers license, which, at that point, I did. 

Then I called back and was told to email loan servicing, which I did, and no response a week later. I then received a letter stating that I needed to send or fax the death certs, quit claim deed and drivers license even though I had already uploaded all of that to their portal at the instruction of customer service. 

Due to their obvious lag time and departmental lack of communication, I have no idea what information has been received. Customer service tells me that they have all of the documentation. The letter they have sent is also gives me a XXXX day time limit, which is absurd, because I've been trying to address this matter for longer than XXXX days at this point and it is their ineptitude and disorganization that is making this matter drag on. 

No one in customer service will give me a number for loan servicing ( saying they don't take calls ) and no one in loan servicing is responding to my emails. 

Please help.

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 2025-02-10 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my 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 non-monetary relief
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: MI

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 prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : Midland Credit Management INC

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: MD

Complaint narrative:
Transunion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct reasonable reinvestigation of dispute information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, 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 Transunion has neither corrected nor removed or amended the disputed accounts, as Experian inaction violates federal law and my rights as a consumer

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 2025-02-10 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: MD

Complaint narrative:
Transunion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct reasonable reinvestigation of dispute information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, 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 Transunion has neither corrected nor removed or amended the disputed accounts, as Experian inaction violates federal law and my rights as a consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: Radius Global Solutions LLC
State: NY

Complaint narrative:
this account was open without my knowledge or consent. this is a result of id theft. please remove from all XXXX credit agencies as soon as possible

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 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me 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 non-monetary relief
Consumer complaint received 2025-02-10 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I want these items removed and blocked from my credit report XXXX XXXX XXXX XXXXXXXX {$5200.00} Account XXXX Closed Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$590.00} Account XXXX Closed Date Opened XX/XX/XXXX XXXX XXXX XXXX {$0.00} Account XXXX Closed Date Opened XX/XX/XXXX XXXX {$0.00} Account XXXX Closed Date Opened XX/XX/XXXX XXXX {$0.00} Account XXXX Closed Date Opened XX/XX/XXXX XXXX {$0.00} Account XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX  {$0.00} Account XXXX Closed Date Opened XX/XX/XXXX XXXX XXXX XXXX {$9000.00} Account XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$13000.00} Account XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX {$3400.00} Account XXXX Closed Date XXXX XX/XX/XXXX XXXX XXXX XXXX {$0.00} Account XXXX Closed Date Opened XX/XX/XXXX XXXX XXXX XXXX {$710.00} Account XXXX Closed Date Opened XX/XX/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