vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-06 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:
Subject : Formal Dispute of Inaccurate Credit Report Information Under FCRA ( 15 U.S.C. 1681b & 15 U.S.C. 1681i ) To whom it may concern, I am writing to formally dispute inaccurate and unauthorized information on my credit report. 
Under my rights granted by the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, I request that you investigate and correct the following items immediately. Additionally, I am invoking 15 U.S.C. 
1681b, which restricts access to my credit report to permissible purposes only. 
Upon reviewing my credit report, I found multiple errors that require your immediate attention. 
Disputed Accounts : 1. XXXX XXXX - Account # XXXX Issue : This account is reported as a charge-off, but I do not recognize this debt. Please provide documentation verifying its validity or remove it. 
2. XXXX XXXX - Account # XXXX Issue : This account is reported as a charge-off, but I do not recognize this debt. Please provide documentation verifying its validity or remove it. 
3. XXXX XXXX XXXX - Account # XXXX Issue : This account is marked as charged off, but I have not received prior notice of this. If the information can not be verified, I request its deletion. 
4. XXXX XXXX - Account # XXXX Issue : This account is reported as a charge-off, but I do not recognize this debt. Please provide documentation verifying its validity or remove it. 
5. XXXX XXXX XXXX - Account # XXXX Issue : This account is reported as a charge-off, but I do not recognize this debt. Please provide documentation verifying its validity or remove it. 
6. XXXX XXXX Account # XXXX Issue : Late payments are being reported inaccurately and I do not recognize this debt. Please provide documentation verifying its validity or remove it. 
These accounts contain inaccurate, incomplete, or unverifiable information, and I am requesting an investigation into their validity. If they can not be verified with supporting documentation, they must be removed from my credit report under FCRA 15 U.S.C. 1681i. 
Unauthorized Credit Inquiries Dispute ( 15 U.S.C. 1681b Violation )

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 2025-03-06 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-06 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: MS

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 2025-03-06 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: Maximus Federal Services, Inc.
State: AR

Complaint narrative:
I am writing to file a formal complaint under the Family Educational Rights and Privacy Act ( FERPA ) regarding a recent security breach that has resulted in the unauthorized disclosure of my student loan data. I am deeply concerned that my private information, which is protected under FERPA, has been compromised due to this breach. 

As a student, my loan data, including personal and financial information, is confidential and should not be disclosed to unauthorized parties under any circumstances. The breach in question is a clear violation of my privacy rights, and I request immediate action to resolve this matter. 

I demand that the entity responsible for the breach cancel or revoke any access to my student loan data and ensure that appropriate measures are taken to secure my information moving forward. Furthermore, I expect a thorough investigation into the breach and that I am informed of the findings and actions taken to prevent future incidents. 

Please confirm receipt of this complaint and the steps you will take to address the situation. I look forward to your prompt response and resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I had received a promotional bonus from Chase for the Freedom Unlimited credit card. The terms were that Chase would automatically match all the cash back I earned on purchases at the end of my first year and I would receive a one-time bonus equal to all cashback rewards earned during my first 12 monthly billing cycles from account opening with my Chase Freedom Unlimited card. 

Chase only credited me with 11 months worth of points. I have messaged with them repeatedly about this. I have the statements which show my points earned. They never credited me for the last month of point earning and their response is just a generic answer that the points they gave me are correct. They are not providing any reason for not giving me the last month of points earning. Here are my statements for the promo period : statement # XXXX ( XX/XX/XXXX - XX/XX/XXXX ) - XXXX statement # XXXX ( XX/XX/XXXX - XX/XX/XXXX ) - XXXX statement # XXXX ( XX/XX/XXXX - XX/XX/XXXX ) - XXXX statement # XXXX ( XX/XX/XXXX - XX/XX/XXXX ) - XXXX statement # XXXX ( XX/XX/XXXX - XX/XX/XXXX ) - XXXX statement # XXXX ( XX/XX/XXXX - XX/XX/XXXX ) - XXXX statement # XXXX ( XX/XX/XXXX - XX/XX/XXXX ) - XXXX statement # XXXX ( XX/XX/XXXX - XX/XX/XXXX ) - XXXX statement # XXXX ( XX/XX/XXXX - XX/XX/XXXX ) - XXXX statement # XXXX ( XX/XX/XXXX - XX/XX/XXXX ) - XXXX statement # XXXX ( XX/XX/XXXX - XX/XX/XXXX ) - XXXX statement # XXXX ( XX/XX/XXXX - XX/XX/XXXX ) - XXXX The total for first XXXX statements is XXXX and this is the amount of points I have been credited for the promo. I have not received the XXXX from the last statement month and they are refusing to give it to me despite saying that the promo included 12 months of statement points.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-03-06 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:
These hard inquiries are fraudulent and do not belong to me. 

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 explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Shepherd Outsourcing, LLC
State: RI

Complaint narrative:
Last year, I was continuously getting texts saying I owe a debt that is not in my name but is associated with my phone number. The original company that contacted me was XXXX XXXX XXXX XXXX XXXX. I confirmed with them that it was not my debt based on name and DOB. They took me off their list and stopped contacting me. 

Over the last month, I've received numerous texts from XXXX XXXX regarding this debt from XXXX. I would like to stop being harassed for this debt that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX XXXX : XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX XXXX Social Security Number XXXX, a resident of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : Applicant Identification : Full Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NY XXXX Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID. 
o A copy of a recent utility bill or bank statement confirming my current address. 
o A copy of my Social Security Number.

Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: CO

Complaint narrative:
I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue 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 2025-03-06 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: FL

Complaint narrative:
As a consumer ( defined under 15 USC 1681a ( c ) ), alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as Metro 2 and the FCRA standards of reporting. The following accounts have billing error Under 15 USC 1666B and must be resolved immediately. 

Account Name : 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 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 2025-03-06 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: CA

Complaint narrative:
Im reaching out because Ive found incorrect and clearly inaccurate information on my credit report, and honestly, I am furious. After reviewing everything, its obvious that this data does not belong on my report, and its affecting my credit in a way that is completely unjustified. This is absolutely unacceptable. I take my credit seriously, and seeing something this wrong on my report is both frustrating and unnecessary. I should not have to deal with errors like this that could potentially harm my financial standing.

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 2025-03-06 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-06 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. 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 2025-03-06 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: FL

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: TrueAccord Corp.
State: MI

Complaint narrative:
I am submitting this formal complaint regarding TrueAccords persistent and unwanted communications concerning an alleged debt that is over 15 years old. Despite my previous request that they cease all communications with me, they continue to send multiple emails each week.

TrueAccord has acknowledged in their own correspondence that they can not take legal action against me nor report this debt to any credit agency, yet they persist in contacting me. Their continued attempts to collect on this outdated debt are not only unwarranted but also harassing.

TrueAccord has sent communications on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I sent a formal letter requesting that they cease communication on XX/XX/XXXX, yet they have continued to contact me on XX/XX/XXXX, XXXX, and XXXX. 

The alleged debt amount is {$3400.00}, and the original creditor is XXXX. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request that debt collectors cease communication with me. I formally exercised this right, yet TrueAccord has failed to comply. Their actions constitute a violation of my consumer rights, and I request that the CFPB take appropriate action to enforce compliance and prevent further harassment.

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 2025-03-06 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: MI

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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 2025-03-06 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:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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 2025-03-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Continental Services Group, Inc. d/b/a ConServe
State: IL

Complaint narrative:
My personal and financial data was compromised, Violating FERPA. I request full cancellation of my student loan debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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:
There are accounts on my credit report that should not be there, and I have no connection to them whatsoever. This is not only unfair but also extremely frustrating and concerning. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, I have the right to an accurate credit report, and these errors should not be affecting me. I expect a full investigation and for these mistakes to be corrected immediately. If this isn't handled properly, Ill have no choice but to take legal action to protect my rights.

Company response to consumer: Closed with non-monetary relief