vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-23 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 am writing to inform you that I am disputing the debt referenced above, which your company claims I owe. Under the Fair Debt Collection Practices Act, I am entitled to dispute the validity of this debt and request verification or validation. 

Please be advised that : 1. I dispute the entire amount of the alleged debt.

2. I request that you provide validation of the debt, such as documentation available to verify that I agreed to pay the creditor, the current balance, a breakdown of charges, and an accounting of how the debt was reached.

3. You cease any debt collection efforts until this dispute is resolved and verified documents are provided to me.

4. I request my debt account not be reported to any credit agencies until you provide evidence validating the debt.

As per my rights, I ask that you verify the debt and provide written proof that the debt belongs to me within 30 days. Also, please be aware that I request all future communications be in writing.

If you are unable to verify this debt, I respectfully request that you confirm in writing that you are terminating collection efforts and will update all negative credit information relating to the matter.

Thank you for your prompt attention to this matter. I look forward to your acknowledgment and kindly request a written response by [ specify a reasonable date, usually within 30-45 days ]. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I filed a complaint for reporting inaccurate unverified information on my credit report. I received an email asking for me to submit my ID and other verifying information in order for the information to be removed via a link, however, the link is not working. I sent the information via mail but my account has not been removed. I have attached all the requested information on this complaint below.

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 2025-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: IA

Complaint narrative:
In XXXX, I noticed a significant dip in my credit score. Having had nothing change, I inquired to my father because he is a cosigner on some of my student loans. He noticed his had gone down by over XXXX points and a new loan financer was on his account, EdFinancial. Being his only relative that he cosigned for and being the only person in school at the time of the loan, I am the only person this could be tied to. However, all of my federal student loans are included in the SAVE repayment plan and have been in deferment for a very long time. Additionally, I have verified that all of my student loans were transferred ( or should have been ) to XXXX. The only other loan I have was cancelled and it was under XXXX. I finally was able to get through to EdFinancial and they confirmed over the phone on XX/XX/year> that they have no record of my student loans. This is incredibly important that we get this fixed, as both of us have need of our credit rating for various things. This is a huge impact to our credit ratings.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 2025-04-23 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: MA

Complaint narrative:
Equifax is showing XXXX XXXX  under closed accounts but account status says open.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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:
To Whom It May Concern, I am writing in reference to the complaint regarding unauthorized credit card accounts fraudulently opened or used in my name. I am a victim of identity theft and did not authorize the applications or transactions in question.

unauthorized accounts open sky {$340.00} XXXX XXXX {$300.00} XXXX {$560.00} XXXXXXXX XXXX {$640.00} In accordance with my rights under the Fair Credit Billing Act ( 15 U.S. Code 1666 ) and the Fair Credit Reporting Act ( 15 U.S. Code 1681g, 1681c-2, and 1681i ), I am formally disputing these unauthorized accounts and requesting that they be removed from my credit reports and that I not be held financially responsible for the associated debts.

To date, I have taken the following steps : Filed a report with the Federal Trade Commission ( FTC ) through IdentityTheft.gov ( copy attached ).

Placed a fraud alert and a credit freeze with the nationwide credit reporting agencies : Equifax, Experian, and TransUnion.

Contacted the issuing financial institutions to notify them of the identity theft and request investigation and closure of the fraudulent accounts.

Pursuant to 15 U.S. Code 1681c-2, I am also requesting the blocking of all information resulting from identity theft on my credit report. In addition, under 15 U.S. Code 1681i, I am requesting a reinvestigation of the disputed information and expect the outcome of this reinvestigation within the 30-day period as mandated by law.

Please find enclosed copies of all relevant documentation, including my FTC Identity Theft Report, police report, and dispute letters to the credit bureaus and financial institutions.

I appreciate your attention to this matter and request confirmation that the identity theft has been noted and that the fraudulent accounts will not impact my credit history or result in any liability on my part. 

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 explanation
Consumer complaint received 2025-04-23 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing in reference to the complaint regarding unauthorized credit card accounts fraudulently opened or used in my name. I am a victim of identity theft and did not authorize the applications or transactions in question. 
unauthorized accounts open sky {$340.00} XXXX XXXX {$300.00} XXXX {$560.00} LVNV funding {$640.00} In accordance with my rights under the Fair Credit Billing Act ( 15 U.S. Code 1666 ) and the Fair Credit Reporting Act ( 15 U.S. Code 1681g, 1681c-2, and 1681i ), I am formally disputing these unauthorized accounts and requesting that they be removed from my credit reports and that I not be held financially responsible for the associated debts.

To date, I have taken the following steps : Filed a report with the Federal Trade Commission ( FTC ) through IdentityTheft.gov ( copy attached ).

Placed a fraud alert and a credit freeze with the nationwide credit reporting agencies : Equifax, Experian, and TransUnion.

Contacted the issuing financial institutions to notify them of the identity theft and request investigation and closure of the fraudulent accounts.

Pursuant to 15 U.S. Code 1681c-2, I am also requesting the blocking of all information resulting from identity theft on my credit report. In addition, under 15 U.S. Code 1681i, I am requesting a reinvestigation of the disputed information and expect the outcome of this reinvestigation within the 30-day period as mandated by law.

Please find enclosed copies of all relevant documentation, including my FTC Identity Theft Report, police report, and dispute letters to the credit bureaus and financial institutions.

I appreciate your attention to this matter and request confirmation that the identity theft has been noted and that the fraudulent accounts will not impact my credit history or result in any liability on my part. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: MO

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-04-23 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Source Receivables Management LLC
State: ME

Complaint narrative:
I close my XXXX line from XX/XX/year> but XXXX kept changing me money. Also I talk to t mobile several times about that and they kept changing my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: MS

Complaint narrative:
The company denied my dispute again & listed false information in the decision, they stated it was no charges showing for Texas when the merchant themselves sent it to me by email which I will attach again. Them telling me basically the police report doesnt matter when I never rented a vehicle and have reached out to the merchant just as many times as I have reached out to the bank. No help from either party. They both asked me to provide police report and I did. I was not in Texas and have not been, I reported this as fraud in everyway I could. The person who was over the previous case not once did she reach out or respond and do not feel my case has been handled properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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 XXXXXXXX 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 2025-04-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: MOHELA
State: VA

Complaint narrative:
I repeatedly receive calls from different numbers back to back. When I answer no one is on the line. When you call the numbers back, it takes you to Mohela loan services. I receive 5-6 calls from them daily, no voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: IL

Complaint narrative:
I disputing the accuracy and continued reporting of XXXX XXXX account number : XXXX on my credit report, as provided under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

I previously disputed this account with Experian, but it appears that Experian did not conduct a proper/thorough investigation because today ( XX/XX/XXXX ), Experian informed me that the information I disputed has been verified as accurate ( see attachment Experian Results ) Disputed Account Information ( see attachment Experian ) : Account Status : Paid Off Balance : {$0.00} Balance Updated : XX/XX/XXXX Date Opened : XX/XX/XXXX Status : Closed, {$120.00} written off Last Payment Date : XX/XX/XXXX Comments : Purchased by another lender This account is showing a {$0.00} balance and is marked as Paid Off, with the balance last updated on XX/XX/XXXX. However, it simultaneously reflects a " {$120.00} charge-off/written off '' despite being paid in full and holding a zero-dollar balance since XX/XX/XXXX and includes the notation : Purchased by another lender, which suggests the account has been transferred and is no longer under the original creditors ownership. As such, continued reporting these conflicting statuses -- -paid off which no balance, while simultaneously reporting a charge-off or write-off status are inaccurate, misleading, damaging, and it violates provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i and 1681s-2.

Additionally, reporting that an account was charged off while also indicating that it was sold to another lender with a {$0.00} balance raises serious concerns about : The accuracy and completeness of the reporting ; Potential double reporting or phantom balance issues ; The possibility of violations of consumer protection laws, including those enforced by the Consumer Financial Protection Bureau ( CFPB ). 

In addition, payments on this account were ever late or delinquent. Therefore, the reporting of a charge-off status is inaccurate and a violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681. 

Under the FCRA, credit reporting agencies and furnishers of information are required to ensure the accuracy and integrity of the information they report. Any inaccurate or unverifiable data must be corrected or removed from 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 explanation
Consumer complaint received 2025-04-23 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: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-04-23 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: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-04-23 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: TX

Complaint narrative:
I am filing this complaint because a credit reporting agency has failed to remove inaccurate and fraudulent information from my credit report, despite my repeated efforts and the submission of all required documentation. 

I am a victim of identity theft. I provided the credit reporting agency with a valid Identity Theft Report, including a completed FTC Identity Theft Report and copies of documents verifying my identity and address, as outlined under the Fair Credit Reporting Act ( FCRA ), Section 605B.

According to the FCRA, the agency is required to block this fraudulent information from appearing in my credit report within four business days of receiving the proper documentation. Despite fulfilling these requirements, the agency has not removed or blocked the disputed information. 

This has caused ongoing harm to my credit and personal life. I am requesting that the Consumer Financial Protection Bureau take action to ensure the credit reporting agency complies with federal law and removes all inaccurate information related to this identity theft from my file. 

I am also requesting confirmation once this matter has been resolved.

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 2025-04-23 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:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

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 2025-04-23 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: NC

Complaint narrative:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$0.00} INQUIRIES : 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 non-monetary relief