vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-07 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:
I am writing to dispute certain inaccuracies on my credit report that I have recently reviewed. Upon closer examination, I have found errors, as well as accounts that appear to be fraudulent or unauthorized. Please find the details below : XXXX XXXX XXXX Opened : XXXX Showing an amount of {$3400.00} then {$4000.00} XXXX XXXX XXXX Opened : XXXX {$170.00} I request that these discrepancies be thoroughly investigated and corrected. Please remove any fraudulent or inaccurate accounts from my credit report as soon as possible. I would also appreciate receiving confirmation of any updates made to my report.

Attached are any supporting documents that may assist in resolving this matter, including copies of identification and evidence of the disputed accounts.

Thank you for your prompt attention to this issue. I look forward to your swift resolution.

Kindly!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I am writing to dispute certain inaccuracies on my credit report that I have recently reviewed. Upon closer examination, I have found errors, as well as accounts that appear to be fraudulent or unauthorized. Please find the details below : XXXX XXXX XXXX Opened : XXXX Showing an amount of {$3400.00} then {$4000.00} XXXX XXXX XXXX Opened : XXXX {$170.00} I request that these discrepancies be thoroughly investigated and corrected. Please remove any fraudulent or inaccurate accounts from my credit report as soon as possible. I would also appreciate receiving confirmation of any updates made to my report.

Attached are any supporting documents that may assist in resolving this matter, including copies of identification and evidence of the disputed accounts.

Thank you for your prompt attention to this issue. I look forward to your swift resolution. 

Kindly!

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 2025-01-07 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: NJ

Complaint narrative:
I recently reviewed my credit report and discovered multiple errors on the payment history of XXXX of my accounts, specifically with XXXX XXXX XXXX XXXX ( Account Number : XXXX ). The report falsely shows a late payment for XX/XX/2023 and XX/XX/2023, even though I paid on time, which is both misleading and a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). It is impossible for an account to be 120 days late XXXX consecutive months without a prior progression, proving this is an error that has not been properly investigated despite my repeated attempts to have it corrected. This inaccurate information is falsely manipulating my creditworthiness, harming my ability to obtain credit, and causing undue financial distress. The continued presence of this error after multiple investigations demonstrates a failure by Transunion to fulfill its legal obligations, and this neglect is directly damaging my financial reputation. I am demanding the immediate deletion of this account to rectify this egregious oversight and restore accuracy to my credit report. Thank you for resolving this matter 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 2025-01-07 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: TX

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Halsted Financial Services, LLC.
State: MS

Complaint narrative:
On XX/XX/XXXXXXXX  I received a text message at XXXX XXXX  from a debt collection company called Halsted Financial regarding a XXXX XXXX account they are claiming belongs to me. Within this text message is a link that when clicked ; forwards you to a page requesting a reference number and the last 4 of your social security number. This was the first time this company contacted me and on the same day I elected to opt-out of any further communications. No further information on this account was included in this text message such as the amount of the debt account or who the original creditor is. Furthermore, On XX/XX/XXXX at XXXX This same company Halsted Financial sent me an email stating, " your XXXX XXXX  account is now being handled by our office ''. In this email, they claim that I made a payment on this account in the amount of XXXX on XX/XX/XXXX. This email stated that the original creditor is XXXX XXXX  and that the current owner is XXXX XXXX XXXX and the amount of the debt is XXXX. They also mentioned in the communication that they are attempting to collect this debt on behalf of the current owner which they state is XXXX XXXX XXXX. I sent this company a letter disputing all of the debt which amounted to XXXX, I requested that they send me documented proof that I have any legal obligation to pay them what they claim I Owe ; within my letter that I sent, I requested that this company and all its agents cease and desist from all forms of contact. After more than 30 days expired The company Halsted Financial failed to respond. However, on XX/XX/XXXX a debt collection company called XXXX XXXX XXXX sent me a debt collection letter in the mail stating they are attempting to collect a debt in the amount of XXXX on behalf of XXXX XXXX XXXX for a XXXX XXXX  account allegedly belonging to me. The letter stated that I can call or write to them by XX/XX/XXXX to dispute all or part of the debt. But this is the same debt that I was contacted by the company Halsted Financial and I had already disputed all of this debt. 

On XX/XX/XXXX I received a letter in the mail with no date on the physical letter from a debt collection company called XXXX XXXX XXXX stating that they are attempting to collect a debt that I owe to XXXX XXXX XXXX in the amount of XXXX. The letter stated that I can call to dispute all or part of the debt by XX/XX/XXXX. 

These companies led by the company XXXX XXXX XXXX are harassing me for a debt I do not owe through these repeated debt collection letters from the different companies mentioned in this complaint which is a clear violation of my rights under the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: MD

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$1000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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: FL

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : 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 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 2025-01-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : 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 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 2025-01-07 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: NC

Complaint narrative:
XXXX XXXX had no good reason to post my account as a charge off. During the time I was unemployed, I requested that my account be held in deferment, and after I was re-employed I paid the account in full as a one time payment. Yet XXXX XXXX has posted this account as a charge off with a balance due of {$250.00}. That is not the case and I request that XXXX XXXX remove the charge off status as well as the prior payment history and to post the account as PAID. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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: EQUIFAX, INC.
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX XXXX XX/XX/XXXX Attn : Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX XXXX Dear Equifax Dispute Center, I am writing to dispute fraudulent accounts and inquiries on my credit report. I have filed both an FTC Identity Theft Complaint and a CFPB Complaint regarding this matter. I request the immediate removal of the fraudulent information detailed below from my credit report. 

Legal Basis for Removal : Under 15 U.S.C. 1681c-2, I am formally requesting the removal of the fraudulent accounts and inquiries, as I have been a victim of identity theft. This is my legal right to have inaccurate or unauthorized information blocked. 

From : XXXX XXXX To Whom It May Concern, I am writing to formally dispute the following inquiries, as I have no knowledge of them. 
I DO NOT HAVE ANY ACCOUNTS WITH THESE COMPANIES. There was a employee that went rouge and used customers information without authorization. 


Fraudulent Inquiries : The following inquiries were made without my consent. Someone used my personal information in an attempt to secure an auto loan. I request these inquiries be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX Dispute this XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX of inquiry XX/XX/XXXX Dispute this XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX Dispute this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Date of inquiry XX/XX/XXXX Dispute this XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MI XXXX Date of inquiry XX/XX/XXXX Dispute this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Date of inquiry XX/XX/XXXX Dispute this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Date of inquiry XX/XX/XXXX Dispute this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Date of inquiry XX/XX/XXXX Dispute this XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX Date of inquiry XX/XX/XXXX Dispute this Thank you for your prompt attention to this matter. I look forward to the removal of these fraudulent accounts and inquiries from my credit report. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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: NC

Complaint narrative:
XXXX XXXX had no good reason to post my account as a charge off. During the time I was unemployed, I requested that my account be held in deferment, and after I was re-employed I paid the account in full as a one time payment. Yet XXXX XXXX has posted this account as a charge off with a balance due of {$250.00}. That is not the case and I request that XXXX XXXX remove the charge off status as well as the prior payment history and to post the account as PAID. 

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 2025-01-07 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: MOHELA
State: IL

Complaint narrative:
On XX/XX/year>, I submitted a request to switch payment plans. I have not received confirmation that they have received my request, much less that the request is being processed. I have also not received notification that my account has been placed in a transition/processing forbearance. 
At first my request was not reflected on my online account. When I called, they had no information as to why the request was not appearing. They could only guess that it was because applications were not being processed at the time, which was not accurate information anyway. Eventually the request did appear on my account ; however, nothing has been done with it since.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: AR

Complaint narrative:
I paid the XXXX XXXX, XXXX  judgement for breaking the lease at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. As soon as the bank check was cashed the paid debt was sold to a collection agency that put on my credit report that I owe them. 

XXXX XXXX returned an item to Macy 's did not receive credit. Then purchased shoes and made payment on spot, not credited to account. Contacted XXXX, Macy 's responded with apology, stated they would correct account, not report to credit agency and refund overpayment. Did none of the aforementioned. 

XXXX, XXXX XXXX XXXX reporting debt that was paid by realtor that kept all earnest money for herself except the less than {$300.00} she said she paid to XXXX. 

These fake debts contributed in preventing me from obtaining a mortgage. 

Tell me what each company says about these false debts.

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 2025-01-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
* Account Name : XXXX XXXX  Account # : XXXX Complaint Details : Dispute of Charge-Off Account Under FCRA Sections 1681b ( 2 ), 1681b ( 5 ), and 611 I am filing this complaint because there is a charge-off on my credit report that I believe is inaccurate. I have disputed this charge-off with the credit reporting agency, but it has not been addressed properly in accordance with the Fair Credit Reporting Act ( FCRA ). 

Specifically, the charge-off listed under XXXX XXXX  is reported as a negative entry, but I dispute its accuracy. I have requested that the credit reporting agency investigate the charge-off under the following sections of the FCRA : 1. Section 1681b ( 2 ) This section mandates that all information reported about me must be accurate and reflect the truth.

2. Section 1681b ( 5 ) This section requires that users of consumer reports ensure that they have a permissible purpose for obtaining and using my credit report and that the information is accurate. The charge-off may have been reported inaccurately due to a lack of proper verification.

3. Section 611 This section requires that all disputes be investigated and resolved within 30 days, ensuring that inaccurate information is either verified or deleted from the credit report Despite my request, the credit reporting agency has failed to respond in a timely manner, and I have not received a satisfactory resolution. Under Section 1681b ( 2 ), the credit reporting agency is obligated to report only accurate information, and Section 1681b ( 5 ) requires that the information has been reported with a legitimate permissible purpose. Under Section 611, they must complete a full investigation within 30 days of my dispute.

I am requesting that the CFPB assist in ensuring that this charge-off is properly investigated and, if the creditor can not substantiate its accuracy, that it be removed from my credit report.

Action Requested : * Ensure that the charge-off is verified or deleted in compliance with FCRA Sections 1681b ( 2 ), 1681b ( 5 ), and 611.

* Ensure that the credit reporting agency conducts a complete and timely investigation into my dispute and resolves the issue as required by the FCRA. 

Thank you for your attention to this matter. 
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 2025-01-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: NY

Complaint narrative:
Mohela is requesting for payment however, I never took a student loan from Mohela. I've contacted XXXX XXXX and they DO NOT have any new student loans to suffice this new student loan that was initiated with Mohela. 

My name is misspelled in the account. They need to escalate and figure out the loan itself. In my opinion, since the company offers multiple options. In my opinion it's not a student loan it appears someone actually took another loan and they linked it to a student loan by utilizing my personal information. The funds need to be tracked to see who's account the funds were automatically deposited to or the address the check was mailed to. Further escalation will need to be investigated asap.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation