vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Dear Equifax, I am writing to formally request that my dispute ( confirmation # XXXX ) be reviewed by a human, not an automated system. Your response indicates that the public record item ( bankruptcy ) on my credit file was verified, and XXXX was identified as a third-party source. However, upon contacting XXXX directly, they confirmed they do not contact bankruptcy courts or verify such information through any official channel. 

XXXX has initiated the process to remove the false information from their records ( Case # XXXX ) based on the evidence I provided, including a letter from the bankruptcy court stating they do not provide personal information to Equifax or XXXX. I also submitted this documentation to XXXX, which led them to confirm the information would be removed immediately. 

Your response states that XXXX electronically reviewed the dispute and provided results. This is inconsistent with XXXX 's statement and actions. Your failure to verify information directly with the source demonstrates non-compliance with the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S. Code 1681e ( b ) : Failure to ensure maximum possible accuracy in reporting.

15 U.S. Code 1681i ( a ) ( 5 ) : Requirement to delete unverifiable information during dispute resolution.

I demand an immediate investigation into the accuracy of the reported bankruptcy record and the removal of this fraudulent information from my credit file. If the issue is not resolved promptly, I will escalate this matter to the Attorney General and file a complaint with the Federal Trade Commission ( FTC ). 

For your reference, I have attached : Letters and emails from XXXX confirming the removal of false information. 
A letter from the bankruptcy court confirming they do not provide data to Equifax or XXXX. 
A copy of my original letter to the bankruptcy court. 
A copy of my ID and a utility bill for verification purposes. 
I expect a resolution within 15 days. Please confirm receipt of this communication and provide an update on the next steps. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Med-1 Solutions, LLC
State: IN

Complaint narrative:
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

These are all the call log time stamps and date. I am called daily since XXXX XXXX XXXX 
I gave  NO PERMISSION! For anyone to be calling me about imaginary debt that I dont even owe. 
And better yet, when they do call they push is straight to voice mail so 99.99999% of the time I cant even answer the calls I just get to dump my voice mail every week or two because thats how much their taking up my voicemail box.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: GA

Complaint narrative:
Subject : Urgent Follow-Up on XXXX XXXX XXXX XXXX XXXX XXXX XXXX for XXXX and XXXX XXXX XXXX Dear Consumer Financial Protection Bureau ( CFPB ), This letter serves as an escalation and clarification regarding my previous complaint ( Case Number XXXX ) filed on XXXX XXXX XXXX concerning fraudulent activity and erroneous credit reporting by XXXX XXXX XXXX. I would like to emphasize that this is not a duplicate complaint, but a continuation of unresolved issues that require immediate action from both XXXX and your office. 

XXXX XXXX # XXXX. 

XXXX Inadequate Response and Failure to Address Fraud : On XXXX XXXX XXXX XXXX XXXX XXXX responded by asking for additional documentation, including a second form of government-issued ID. However, they failed to address the fraudulent activity on my account, despite my submitting both an FTC Identity Theft Report and an official police report. XXXX 's response continues to ignore the core issuethat my account was compromised through identity theft, which has led to fraudulent reporting across all major credit bureaus, including XXXX, XXXX, and TransUnion, as well as third-party agencies like XXXX. 
XXXX XXXX and XXXX XXXX : The continued erroneous reporting has caused me to lose a {$480000.00} mortgage approval, leaving my family displaced from our home. As a result, we were forced to move into an extended-stay hotel and uproot my children from their school district. This has caused severe emotional distress and disrupted my children 's education, further compounding the negative impact on my family. 
Request for XXXX XXXX : I am demanding that XXXX XXXX XXXX remove all fraudulent entries from my credit report within 14 days and provide written proof that these errors have been corrected. If this issue is not resolved to my satisfaction within this time frame, I will be proceeding with legal action. 

Legal Action : I have consulted XXXX Law Firm, and they are prepared to take legal action on my behalf, including suing XXXX XXXX XXXX for {$480000.00} in damages resulting from the loss of my home loan, the disturbance to my children 's education, and the emotional and financial hardship caused by XXXX 's failure to address this matter. 

I trust that the CFPB will assist in expediting this process to ensure that XXXX takes immediate action. If this matter is not resolved within 14 days, I will proceed with filing a lawsuit for damages, including punitive damages, as well as legal fees for the distress and harm caused by their negligence. 

Thank you for your attention to this urgent matter. I look forward to receiving confirmation from both XXXX and the CFPB that the issue has been resolved. 

Sincerely, XXXX XXXX XXXX XXXX Ending in : 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 2025-01-11 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: GA

Complaint narrative:
Subject : Urgent Follow-Up on XXXX XXXX XXXX Complaint Legal Action Pending for Fraud and Credit Reporting Errors Dear Consumer Financial Protection Bureau ( CFPB ), This letter serves as an escalation and clarification regarding my previous complaint ( Case Number XXXX ) filed on XX/XX/year> concerning fraudulent activity and erroneous credit reporting by XXXX XXXX XXXX. I would like to emphasize that this is not a duplicate complaint, but a continuation of unresolved issues that require immediate action from both XXXX and your office. 

XXXX XXXX # XXXX. 

XXXX Inadequate Response and Failure to Address Fraud : On XX/XX/year>, XXXX XXXX XXXX responded by asking for additional documentation, including a second form of government-issued ID. However, they failed to address the fraudulent activity on my account, despite my submitting both an FTC Identity Theft Report and an official police report. XXXX 's response continues to ignore the core issuethat my account was compromised through identity theft, which has led to fraudulent reporting across all major credit bureaus, including XXXX, Equifax, and XXXX, as well as third-party agencies like XXXX. 
Ongoing Financial and Personal Harm : The continued erroneous reporting has caused me to lose a {$480000.00} mortgage approval, leaving my family displaced from our home. As a result, we were forced to move into an extended-stay hotel and uproot my children from their school district. This has caused severe emotional XXXX and disrupted my children 's education, further compounding the negative impact on my family. 
Request for XXXX XXXX  : I am demanding that XXXX XXXX XXXX remove all fraudulent entries from my credit report within 14 days and provide written proof that these errors have been corrected. If this issue is not resolved to my satisfaction within this time frame, I will be proceeding with legal action. 

Legal Action : I have consulted XXXX XXXX XXXX, and they are prepared to take legal action on my behalf, including suing XXXX XXXX XXXX for {$480000.00} in damages resulting from the loss of my home loan, the disturbance to my children 's education, and the emotional and financial hardship caused by XXXX 's failure to address this matter. 

I trust that the CFPB will assist in expediting this process to ensure that XXXX takes immediate action. If this matter is not resolved within 14 days, I will proceed with filing a lawsuit for damages, including punitive damages, as well as legal fees for the distress and harm caused by their negligence. 

Thank you for your attention to this urgent matter. I look forward to receiving confirmation from both XXXX and the CFPB that the issue has been resolved. 

Sincerely, XXXX XXXX XXXX XXXX Ending in : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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 to again report Transunion for doing fraudulent investigation on my credit report with XXXX XXXX XXXX. They keep saying its not a valid FTC report which it is. Now I am including again the VALID FTC REPORT and I am also including a POLICE REPORT WITH THE XXXX POLICE DEPARTMENT where the crime took place. Transunion must me held responsible for holding false investigations and keeping an illegal account on my profile. Both XXXX and XXXX have erased this illegal account from my profile Transunion is the only one giving me trouble for no reason. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Fraudulent Account XXXX XXXX XXXX Dear TransUnion, I am writing to formally dispute the inclusion of an account with XXXX XXXX XXXX on my credit report. This account is fraudulent, as it was opened without my knowledge or consent, and is the result of identity theft. I suspect this may also be connected to the XXXX data breach, which exposed my personal information to unauthorized parties. 
Details of the Disputed Account : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Disputed Amount : XXXX Supporting Documentation : To support my claim, I am providing the following : XXXX. A copy of my FTC Identity Theft Report, which details the fraudulent activity. 
XXXX. A copy of my government-issued ID and proof of address to verify my identity. 

Legal Basis for Dispute : Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or fraudulent information on my credit report. Additionally, credit reporting agencies are required to investigate disputes within 30 days and remove accounts that can not be verified as legitimate. 
The exposure of my personal information during the XXXX data breach further highlights the likelihood of identity theft in this case. I urge you to take this matter seriously and act promptly to remove the fraudulent account from my credit file. 
Requested Action : 1. Conduct a thorough investigation into this account. 
XXXX. Remove the XXXX XXXX XXXX account from my credit report. 
XXXX. Provide written confirmation of the results of your investigation. 
If you require additional information or documents, please contact me immediately at XXXX or XXXX. 
Thank you for your attention to this matter. I trust that you will handle this dispute in compliance with federal laws and your obligation to ensure accurate credit reporting. 
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 2025-01-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: CT

Complaint narrative:
Dear CFBP, I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) and on XX/XX/XXXX I signed XXXX XXXX  Loans, its corresponding MPNs, and finished the entrance counseling with the Department of Education XXXX XXXX XXXX  I have been receiving several emails collecting on a previous private education loan from XXXX XXXX XXXX and now from Firstmark Services, which it seems is a private company that purchased all student loans from XXXX XXXX Loans. 

After calling several times and emailing them, I have not gotten a response to them checking the XXXX XXXX XXXX XXXX XXXX ( XXXX ), which is used by lenders to check student enrolment information. This has been a very trying and tiresome process, filled with opaque rules, and it seems nobody I talk want 's to take ownership of the issue here. Moreover, Firstmark Services has " auto enrolled me '' in direct-debit even though I have never approved this nor signed this. I had to create an account on their website and un-enroll me here. I do not know how that seems legal for them to do if I had never given them authorization for it. 

I have also shared with them official documents confirming all the above. I am sending this complaint so CFBP can contact them over what my student status can and should be. Thank you for any help your team can provide. Respectfully,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Monterey Financial Services LLC
State: TX

Complaint narrative:
I was looking over my report and I noticed these accounts are not ensuring maximum possible accuracy according to the FCRA. Delete accounts listed below for violation of the fair credit reporting act. This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b ) In addition they coerced me with deceiving sales tactics. They said it would only be $ XXXX when I see its $ 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 2025-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit 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 2025-01-11 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: DE

Complaint narrative:
Subject : Dispute of Inaccurate Information on My XXXX Credit Report Dear Consumer Financial Protection Bureau, I am submitting this complaint to request your assistance in addressing inaccuracies on my XXXX credit report. I have identified the following account as containing errors and potentially violating provisions of the Fair Credit Reporting Act ( FCRA ) : Account Number : XXXX Creditor Type : Personal Loan Companies Details of the Disputed Account : Balance Owed : {$760.00} Account Status : Closed ; Collection/Chargeoff Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Issues Identified : Unverified Information : The Last Verified field is blank, violating FCRA Section 611 ( a ) ( 1 ) ( A ), which requires credit bureaus to verify the accuracy of reported data. 

Date Discrepancies : The Date of Last Activity ( XX/XX/XXXX ) and Date Reported ( XX/XX/XXXX ) suggest potential re-aging of the account, which violates FCRA Section 623 ( a ) ( 2 ). Re-aging extends the reporting period unfairly and harms my credit standing. 

Missing Creditor Information : The Original Creditor field is blank. Under FCRA Section 609 ( a ) ( 1 ), credit reports must include the original creditors information for proper verification.

Seven-Year Reporting Period Violation : The payment history indicates charge-offs as recent as XX/XX/XXXX. However, the accounts initial delinquency occurred after the last payment on XX/XX/XXXX. Per FCRA Section 6

05 ( a ) ( 4 ), charge-offs should not be reported more than seven years from the date of first delinquency.

Contradictory Remarks : The remarks state the account was assigned to an attorney, collection agency, or internal collections department, yet the balance is reported as a loss. If the debt is uncollectible, it XXXX no longer be valid for reporting.

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 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) To Whom It May Concern, I am writing to formally dispute the account referenced above as it appears on my credit report. The information being reported regarding this account is inaccurate and unauthorized. I believe this is a violation of the Fair Credit Reporting Act ( FCRA ), and I am requesting that this account be thoroughly investigated and removed from my credit report immediately.

The account information is erroneous and potentially fraudulent. I have no knowledge of any authorization or legitimate basis for this account to be reported under my credit file. Additionally, I would like to highlight that XXXX has previously been involved in significant settlements regarding the misreporting of credit information and data breaches. Specifically, the {$570.00} million settlement due to a data breach and incorrect reporting underscores the importance of accurate and responsible handling of consumer data.

Under the FCRA, I have the right to request verification and validation of any disputed account. I ask that you provide the following : Documentation verifying the legitimacy of this account. 
Any proof that this account was authorized by me. 
If you can not validate this account as accurate and legitimate, I respectfully request its immediate removal from my credit report and written confirmation of the same. 

Please consider this letter as my formal dispute and respond within the 48-hour timeframe as stipulated under the FCRA.

Thank you for your prompt attention to this matter. I look forward to your confirmation of the resolution of this dispute.

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 2025-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I disputed a charge made at a XXXX supermarket using my debit card. I submitted the dispute the very next day. I visited the XXXX supermarket and discovered that a young lady, I didnt know, used her phone to make the purchase. Wells Fargo just sent me a letter saying that the transaction was authorized. There is no way that Wells Fargo could have reached out to XXXX and made that decision.

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 2025-01-11 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: CA

Complaint narrative:
My credit is is inaccurate which is not fair to me. Please investigate it and fix it. I'm, really tired and sick with these thing. Should be there be any updates on my inquires, I'm gon na go to court.

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 2025-01-11 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: KY

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX  as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX  XXXX Account Number : XXXX

Company response to consumer: Closed with explanation