vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-07 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: GA

Complaint narrative:
AFFIDAVIT OF TRUTH AND FINAL NOTICE I, XXXX XXXX, being duly sworn, do hereby make this affidavit and state as follows : Introduction : I am a resident of [ Your Address ] and am of legal age to make this affidavit. I submit this affidavit as a formal notice to each business and trustee listed herein regarding my consumer rights and the violations I have experienced. 
Enforcement of Consumer Rights : I hereby assert my rights as a consumer and will enforce these rights in federal court. I demand immediate action to rectify the violations of my rights under the Fair Credit Reporting Act ( FCRA ), as well as other applicable laws.

Racketeering Charges : I am prepared to pursue racketeering charges against any and all parties responsible for the fraudulent activities that have impacted me. These actions are illegal and will not be tolerated. 
IRS Fraud : I am reporting potential IRS fraud related to the misuse of my personal information and demand an investigation into any fraudulent claims made in my name. 
Final Notice : This affidavit serves as your final notice to address these matters immediately. Failure to comply will result in my pursuing all legal remedies available to me, including litigation in federal court. 
Contact Information : This notice is directed to the following parties, including but not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX I affirm that the statements made herein are true and correct to the best of my knowledge and belief. 
Dated this XXXX XXXX XXXX XXXX XXXX Subscribed and sworn to before me this XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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:
In accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to delete all fraudulent accounts from my credit report within four business days. These accounts were reported without my authorization and must be removed at once. If you fail to comply, legal action and a CFPB complaint will follow. Confirm the deletion in writing.

Side note for CFPB representative : Stop closing my complaint. This is me processing the dispute. Go ahead and push this through. You did this XXXX times already. You need to stop.

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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of this. 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 2025-03-06 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: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
AFFIDAVIT OF TRUTH AND FINAL NOTICE I, XXXX XXXX, being duly sworn, do hereby make this affidavit and state as follows : Introduction : I am a resident of [ Your Address ] and am of legal age to make this affidavit. I submit this affidavit as a formal notice to each business and trustee listed herein regarding my consumer rights and the violations I have experienced. 
Enforcement of Consumer Rights : I hereby assert my rights as a consumer and will enforce these rights in federal court. I demand immediate action to rectify the violations of my rights under the Fair Credit Reporting Act ( FCRA ), as well as other applicable laws. 
Racketeering Charges : I am prepared to pursue racketeering charges against any and all parties responsible for the fraudulent activities that have impacted me. These actions are illegal and will not be tolerated. 
IRS Fraud : I am reporting potential IRS fraud related to the misuse of my personal information and demand an investigation into any fraudulent claims made in my name. 
XXXX Notice : This affidavit serves as your final notice to address these matters immediately. Failure to comply will result in my pursuing all legal remedies available to me, including litigation in federal court. 
Contact Information : This notice is directed to the following parties, including but not limited to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX XXXX, XXXX XXXX XXXX XXXX I affirm that the statements made herein are true and correct to the best of my knowledge and belief. 
Dated this XXXX XXXX, XXXX XXXXXXXX XXXX Subscribed and sworn to before me this XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: FL

Complaint narrative:
I didn't give permission for Mohela to have my private info. 
I have received insane amounts robo calls since I received mail of debt. 
Debt is over XXXX years old. 
Debt has many errors. 
The amount on debt breakdown is XXXX is not correct, university not correct. Amounts not correct. 
Affect credit causing inability rent, or buy anything. 
Caused undue damage, XXXX XXXX XXXX 
Directly affected my entire life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: CA

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies are super stressful and are affecting my ability to secure new credit. Ive worked hard to build my credit, and its just frustrating to see it impacted by errors that arent even my fault. I'm really worried and want this resolved as soon as possible because I dont want to wait for any more damage to be done.

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 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
According to the Fair Credit Reporting Act ( FCRA ), Experian is required to investigate and correct errors within 30 days. Please send me written confirmation once the update has been made. If you determine that no correction is necessary, kindly provide a detailed explanation of your findings.

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: NE

Complaint narrative:
PLEASE REVIEW THE STATEMENT I MENTIONED REGARDING MY PERSONAL INFORMATION BEING EXPOSED BY THE DATA BREACH AND THE INFORMATION REGARDING FRAUDULENT ACTIVITIES ON MY CREDIT REPORT. HERE ARE THE INQUIRIES XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE READ THE FORM TO DETERMINE THE FRAUD ACCOUNT AND COLLECTIONS.

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 2025-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
To Whom This May Concern, This letter is a formal complaint that you are reporting completely inaccurate and misleading information on my credit report. This inaccurate information is not only stopping me from obtaining credit, it is damaging my financial well being and seriously hurting my character.

Enclosed with this letter are the details of the account in dispute, with all of my personal information to verify my identity to help expedite this process.

By provisions of 15 US section 1681i of the Fair Credit Reporting Act, these items need to be investigated. Please provide me with proof of these items, specifically the contract bearing my signature. Failing that, please update the record to show as PAID IN FULL/AS AGREED or REMOVE this item from my credit report as soon as possible. This is a very serious matter affecting my everyday life. 
The outlined item is completely inaccurate and a very serious error in reporting. Please update this information : ACCOUNT NAME : CAINE & WEINER Account # : XXXX This account is listed as a collection/charged off account on my credit report but I have not received a 1099C for this charged off debt. Can you please provide me with a 1099C to accurately reflect this as a charge off for tax purposes and please update my credit report accordingly.

Pursuant to 15 US section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please provide me with the description of the procedure used to determine the accuracy and completeness of the information, to be provided within 15 days of the completion of your investigation. 
I appreciate your prompt attention to this matter as these may seem like small reporting errors to you but they are serious offenses on my report when it is time to purchase a home, a vehicle, look for a business loan or even to obtain employment. 
Please consider expediting this process for me. Thank you. 

Sincerely, XXXX XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: MO

Complaint narrative:
Proper validation of debt was never received. I sent out dispute letters regarding proof of authorizing a debt to be reported on my credit report on XX/XX/year> via certified mail. It has been past the required amount of time for reinvestigation and there has still been no update regarding validity of the inaccurate accounts on my credit report. These companies have failed to comply and are violating my consumer rights. The inaccurate accounts that should be removed from my credit profile consist of the following. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Since it has been past 30 days and they can not prove that gave permission to report this account on my profile, nor that I owe this debt, it is a violation of my rights and it should be removed from my credit report immediately.

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 2025-03-07 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: MO

Complaint narrative:
Proper validation of debt was never received. I sent out dispute letters regarding proof of authorizing a debt to be reported on my credit report on XX/XX/year> via certified mail. It has been past the required amount of time for reinvestigation and there has still been no update regarding validity of the inaccurate accounts on my credit report. These companies have failed to comply and are violating my consumer rights. The inaccurate accounts that should be removed from my credit profile consist of the following. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Since it has been past 30 days and they can not prove that gave permission to report this account on my profile, nor that I owe this debt, it is a violation of my rights and it should be removed from my credit report immediately.

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: Westlake Services, LLC
State: KY

Complaint narrative:
My car was a total loss in XX/XX/year> by XX/XX/year> XXXX  insurance took ownership of the car. XXXX paid the remaining balance and XXXX paid too. A balance remains on my credit report along with XXXX past due payments that were not past due. I called the bank and they refused to talk with me about this. I was transferred to someone else who also refused to help with the account. I reported this information as incorrect on XXXX and XXXX credit agencies. This is causing issues with my mortgage company and my credit report. XXXX  insurance took ownership of this car and made payments. I am not liable for anything else on this car.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: NJ

Complaint narrative:
On my equifax credit report, there is a collection from XXXX XXXX XXXX stating that they're the original creditor and the debt is XXXX XXXX XXXX. A debt collection company is not an original creditor, and I have no balance that is XXXX XXXX XXXX. I don't know what this is. I have disputed it with equifax, and equifax does nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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 non-monetary relief
Consumer complaint received 2025-03-07 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: TX

Complaint narrative:
I am submitting this complaint to request the deletion of a specific account from my credit report with TransUnion Consumer Solutions due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Details of the Account in Dispute : Account Number : XXXX Creditor Name : XXXX XXXX  Incorrect information identified in reports from all three credit bureaus. 
Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process. 
Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information. 
Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report.

Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal.

Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures.

Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data.

Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right.

Supporting Case Law : In Cortez v. Trans Union, LLC ( XXXX XXXX XXXX ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. XXXX XXXX XXXX, XXXX further reinforces the obligation to maintain reasonable procedures to ensure accuracy.

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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
On XX/XX/year> I sent a letter to Equifax requesting the method of verification that they used to determine that the negative information on my report should remain. I requested specific details on how they were able to verify the information. The company failed to respond or acknowledge the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Good night, so XX/XX/year> around XXXX XXXX I got a phone call regarding some different transactions while I was driving home coming back from XXXX sending my daughter 's documents to get her passport, so I was panicking due to all this happening, was in total {$4.00} taken out from my account. When I talked to them we open a claim and say they will investigate it and also got me a new card. 

So before XXXX I got XXXX transaction for {$250.00} each and the las XXXX for {$2500.00} at XXXX XXXX while I was on the phone with them. 
As on the image attached of our phone call at XXXX XXXX XX/XX/XXXX they decide to freeze my card, while all the money was already taken out. 
During this time they did not required for any other information just got a email on XX/XX/XXXX that they will credit a provisional money while they investigate it for {$4500.00} and within 10 days they will provide a decision. 

On XX/XX/XXXX it means just 6 days, they decide to deny my claim and their reason : '' We reviewed your claim and found no error occurred in your account. Our decision was based on a review of your account activity. This includes, but is not limited to, transaction details, account history and/or differences between your claim and the activity in your account. 

The provisional credit of {$4500.00} applied to your checking account on XX/XX/year> will be removed from your account on XX/XX/year>, which is 10 days from the date of this communication, at which time your case will be closed. 

You have the right to request the information used in deciding this claim. '' Have been checking and the agent I talked to did not include XXXX more unauthorized charge for {$1400.00} on XX/XX/year> All the withdrawals are in the name of " XXXX XXXX '' Electronics As soon as I seen my email I request the information they have to denied my claim and got an answer they are no able to provide any further information. 

After that I tried to appeal with them but have not gotten any information. No one gave me information about it. 
Since then have not heard from them

Company public response: Company believes it acted appropriately as authorized by contract or law
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: FL

Complaint narrative:
I have sent identity theft report and they have continuously denied me my right to have fraudulent accounts be blocked from my report. According to the FCRA If i was a victim of identity theft, report agencies have up to four business days to delete them from my credit report which they continually fail to do. 

XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX - XX/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: 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: OH

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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