vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-05 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: CA

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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: IL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-03-05 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: LA

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 2025-03-05 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: LA

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 non-monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: WI

Complaint narrative:
I have an unauthorized collections account that does not belong to me. Someone tried to use my name. South West Credit systems LP. I never did any business with them or anyone affiliated with them. It is a violation of my FCRA protection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: MOHELA
State: MD

Complaint narrative:
Report # XXXX was on XX/XX/year> I requested XXXX to file a dispute against my accounts with XXXX XXXX and Mohela XXXX Regarding My personal and financial information was compromised without my authorization. The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard information. 
Given the severity of this breach and resulting compromise of my personal and financial information, I requested that immediately cancel and discharge my student loans debt in full. The investigation took less than a month. And there were other students who had the same issue that has resolved cases. The investigation information was very short company disagrees thats it. For over 13 accounts. No investigation or explanation was done throughly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
In XX/XX/XXXX, XXXX XXXX XXXX XXXX and I reached an agreement for car repair service. The merchant agreed to fully fix my vehicle for {$550.00}. My vehicle was showing a check engine light which was preventing me from renewing my registration in my state. After 2 visits, the merchant failed to fix my vehicle so I decided to take my car to a different mechanic. The second mechanic gave me a different plan of action and fixed my vehicle for less cost and time. Based on the information given to me by the second mechanic I believe the original mechanic was acting in bad faith during our business dealings. I filed a claim with Chase bank on XXXX XXXX, XXXX with claim number XXXX. Chase asked me for additional documentation to support my claim. I promptly provided this information via their online portal. I received a letter today, XX/XX/XXXX notifying me that they would be removing the temporary credit of {$550.00} from my checking account. I believe that Chase has made a grave mistake during this claim process and based on this they have made a misguided and erroneous decision. I have also filed complaints with the FTC and with the IL Attorney General under file number XXXX against XXXX XXXX XXXXXXXX XXXX  XXXX I have attached the letters from my bank as well as screenshots of the original transactions and other relevant documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: CA

Complaint narrative:
I am writing once again to follow up on my previous dispute regarding inaccuracies in my credit report. I previously submitted a dispute regarding the account listed below and have not yet received a satisfactory resolution : Despite my initial request for correction and reinvestigation, I have yet to receive confirmation that these inaccuracies have been addressed. As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) to an accurate and fair credit report. Therefore, I am requesting an immediate reinvestigation and resolution of this matter. 

Additionally, I formally request the following : 1.Confirmation of the corrections made to the disputed item.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the FCRA.

3.A detailed written response outlining the results of your investigation and the actions taken to resolve the inaccuracies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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: NV

Complaint narrative:
I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In 2024, inaccurate information regarding a collection with my name was reported. I contacted the collection agency on XX/XX/year> to address the issue, specifically pointing out that the social security number they had on file was incorrect. Despite my efforts, they have repeatedly failed to remove this incorrect information, leaving me in a difficult position. As a result, Ive been rejected by multiple apartments due to the inaccurate data on my credit report. 

Feeling I had no other choice, I made a payment of {$860.00} to the XXXX XXXX XXXX XXXX XXXX on XX/XX/year>. I received a satisfaction of debt letter from them on XX/XX/year>, and filed a dispute with Equifax on the same day. The collection agency assured me they would delete the incorrect information by the following Monday, as they claimed they send updates to the credit bureaus every Monday. I waited two weeks to give the credit bureau enough time to update their records, but nothing changed. 

Today, I called Equifax and went through the verification process with a live agent. After submitting my drivers license and a selfie for authentication, I explained that the inaccurate information needed to be removed and that I had proof that the debt associated with my name had been paid. However, the agent told me they couldnt delete the record. 

I then called the debtor, XXXX XXXX XXXX, and spoke with a representative in XXXX, who seemed to be the only person in the office. She was extremely rude, yelling at me and asking why I was calling. She claimed she didnt care about the bureau because the debt had already been paid. When I tried to explain that she had previously told me they reported updates every Monday, she continued to talk over me, eventually hanging up the call. 

This is the only collection account on my credit report, and Ive been fighting to resolve it, despite the fact that the social security number associated with the debt is no longer mine. I made the payment because I am the one suffering the consequences, but no one is taking responsibility for the inaccurate information. XXXX  wont acknowledge the error, Equifax is unwilling to assist, and the collection office of XXXX XXXX refuses to listen, despite all of my efforts to resolve this issue. Now, Im out of money and at risk of not being able to relocate as planned because this incorrect information remains on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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 am attaching an FTC Report which contains 5 fraudulent accounts to be blocked under the FCRA 605B Identity theft 4 day block. I have listed 3 fraudulent inquiries as well in the FTC report in which I will be attaching to be delivered to Experian, Equifax and Transunion.

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 2025-03-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX reported a medical collection on my credit report since XX/XX/XXXX on behalf of Original creditor : XXXX XXXX XXXX Account # XXXX. I have recently disputed on XXXX XXXX through the credit bureaus, and they returned a response that DID NOT DELETE IT. 

The Consumer Financial Protection Bureau ( CFPB ) finalized a rule in XX/XX/XXXX that prohibits the inclusion of medical debt on most consumer credit reports. This rule applies to all medical debt, regardless of the amount or payment status. 

Because of this ruling this is a VIOLATION of my rights and I want this item removed IMMEDIATELY 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 2025-03-05 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:
o XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX & XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX The above mentioned account have been disputed directly through the businesses and via equifax, transunion, and experian and to-date they have not provided me any contracts, specified amounts dates and legal proof these debts are mine and refuse to remove from my credit report. 

I have no knowledge of these accounts and I have also been a victim of the recent data breaches.

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 2025-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Halsted Financial Services, LLC.
State: OH

Complaint narrative:
This negative item does not meet the FCA reporting requirements. I do not recognize how and why this is reported. Delete immediately, please. I have attempted to contact this agency asking them to vary the proof of debt and they've denied my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My credit was frozen in XXXX. Hubby and I moved in XX/XX/XXXX. Have not had to unlock credit for many years as I am now XXXX XXXX XXXX. Experian has an old landline phone number for me. Calling and emailing has done NOTHING. I sent an overnight letter as this is causing serious problems because my husband died and I need to switch some accounts over to me. I can not reach anyone at Experian. I dont understand how someone can not reply to my numerous emails. This is truly shameful and stressful. I have a deadline and nobody reaches out to me from Experian. Please help me!

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 2025-03-05 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: MI

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CL Holdings LLC
State: GA

Complaint narrative:
Request debt validation letters from Jefferson capital.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX  # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: PA

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 explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: AL

Complaint narrative:
I recently discovered a fraudulent collection account on my credit report from Jefferson Capital Systems for {$1300.00}, which has significantly lowered my credit score. This account does not belong to me. My personal information was illegally sold from XXXX to this company without my consent. 

I have disputed this account multiple times with the collection agency, credit bureaus, and XXXX XXXX themselves, yet it keeps being marked as verified and updated without any proof that the debt is mine. I have never received any prior notice or communication from this company regarding this debt, violating my rights of the Fair Credit Reporting Act. 

I am requesting that this company provide documented proof that this debt is legitimately mine. If they can not provide such proof, I demand that this collection account be removed immediately from my credit report.

This fraudulent collection is preventing me from securing housing, as I plan to apply for an apartment in four months. I request the CFPBs assistance in ensuring this matter is resolved fairly and in compliance with the Fair Debt Collection Practices Act ( FDCPA ). 

Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I hope you're doing well. Im reaching out because I recently noticed an inquiry on my credit report from my credit report that I never authorized. I did not give permission for this company to pull my credit, and this is a clear case of an unauthorized or fraudulent inquiry.

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 2025-03-05 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: VA

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 response to consumer: Closed with non-monetary relief