vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-30 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: TX

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 XXXXB 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 explanation
Consumer complaint received 2025-03-30 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: PA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payment on an account that I was in fact paid on time. The XXXX reporting agencies need to report all information with complete accuracy. 
this account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( insert date XXXX add month and year ) I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt 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 2025-03-30 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: PA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payment on an account that I was in fact paid on time. The XXXX reporting agencies need to report all information with complete accuracy. 
this account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( insert date XXXX add month and year ) I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 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: NC

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX  AND EQUIFAX DATA BREACH. PER 15 USC XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX. 

Account Name : DEPT OF EDXXXX XXXX  XXXX - Date Opened XX/XX/XXXX Account Name : DEPT OF EDXXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : DEPT OF ED/XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : DEPT OF EDXXXX XXXX  XXXX - Date Opened XX/XX/XXXX Account Name : DEPT OF EDXXXX XXXX  XXXX - Date Opened XX/XX/XXXX Account Name : DEPT OF EDXXXX XXXX  XXXX - Date Opened XX/XX/XXXX Account Name : DEPT OF EDXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: PA

Complaint narrative:
This account was charged off on the following date ( MONTH, YEAR OF FIRST CHARGE OFF ) Since then the account has repeatedly been updated as charged off every month. 
This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Accounts Name - Account Number

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 2025-03-30 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: FL

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: Nelnet, Inc.
State: IL

Complaint narrative:
XXXX. No Valid Promissory Note No Legal Obligation I did not sign the promissory notes associated with the student loans in question. To date, Nelnet has failed to produce a valid, signed promissory note bearing my original, wet-ink signature to verify the authenticity and enforceability of the alleged debt. Without such documentation, there is no legal basis to hold me liable for repayment. This constitutes a material failure to validate the debt under the FCRA and FDCPA. 
XXXX. Ownership and Standing in Question Securitization and True Sale The loans in question were transferred and securitized into a third-party Nelnet XXXX XXXX XXXX  via a true sale transaction. The securitization documents and prospectus ( attached ) confirm that all legal rights, title, and ownership of the loans were transferred to the trust. As such, Nelnet no longer retains any legal or equitable interest in the loans and lacks standing to collect, service, or report them under its name. 
XXXX. Improper Reporting and Collection Practices Nelnet continues to furnish tradelines to the credit bureaus and misrepresent itself as the creditor, despite relinquishing ownership. This is a deceptive and materially misleading practice that negatively affects my credit profile. Such actions are in direct violation of the FCRA, particularly 15 U.S. CXXXXe XXXX ( a ), which prohibits furnishing inaccurate or incomplete information to consumer reporting agencies. 
Additionally, XXXX own XXXX  filings reveal that the bureau profits from the sale and monetization of consumer identity data, raising concerns about their objectivity and the integrity of the reporting process. 
XXXX. Harm and Relief Sought The continued misreporting of this alleged debt has caused tangible harm, including damage to my credit score and potential denials of credit. I am requesting the CFPB to : Require Nelnet to provide a legally valid, signed promissory note to substantiate any obligation ;

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: GA

Complaint narrative:
" TransUnion is reporting a collection account from XXXX XXXX XXXX ( Account XXXX XXXXXXXX ) for an alleged debt of {$1300.00} that they claim originated with XXXX XXXX XXXX . I dispute this information because : This debt has been improperly transferred multiple times ( XXXX  XXXX to XXXX to XXXX ) without my knowledge or consent, violating my rights under the FCRA No XXXX was ever issued for this alleged charged-off debt as required by IRS regulations XXXX can not produce a proper chain of title or validation of this debt TransUnion has failed to properly investigate the validity of this debt despite my disputes TransUnion has failed to conduct a reasonable investigation as required by the FCRA ( 15 U.S.C. XXXXi ) regarding the validity of XXXX 's claim to this debt. '' " Experian is reporting a collection account from XXXX XXXX XXXX ( Account XXXX XXXXXXXX ) for an alleged debt of {$1300.00} that they claim originated with XXXX XXXX XXXX XXXX I dispute this information because : This debt has been improperly transferred multiple times ( XXXX  XXXX to XXXX to XXXX ) without my knowledge or consent, violating my rights under the FCRA XXXX XXXXXXXX was ever issued for this alleged charged-off debt as required by IRS regulations XXXX can not produce a proper chain of title or validation of this debt Experian has failed to properly investigate the validity of this debt despite my disputes Experian has failed to conduct a reasonable investigation as required by the FCRA ( 15 U.S.C. XXXXi ) regarding the validity of XXXX 's claim to this debt. '' " Equifax is reporting a collection account from XXXX XXXX XXXX ( Account XXXX XXXXXXXX ) for an alleged debt of {$1300.00} that they claim originated with XXXX XXXX XXXX XXXX I dispute this information because : This debt has been improperly transferred multiple times ( XXXX XXXX to XXXX to XXXX ) without my knowledge or consent, violating my rights under the FCRA XXXX XXXXXXXX was ever issued for this alleged charged-off debt as required by IRS regulations XXXX can not produce a proper chain of title or validation of this debt Equifax has failed to properly investigate the validity of this debt despite my disputes Equifax has failed to conduct a reasonable investigation as required by the FCRA ( 15 U.S.C. XXXXi ) regarding the validity of XXXX 's claim to this debt. ''

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 2025-03-30 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: OH

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB lawsuits against Experian and Equifax for conducting sham investigations and failing to properly investigate consumer disputes. I expect all credit reporting agencies to conduct a thorough, good faith investigation, as required by law, and to avoid engaging in any practices that mirror those outlined in the CFPB complaints. After reviewing my account from XXXX XXXX XXXX XXXXXXXX it appears to be full of inaccuracies. Also I urge your agency to re-investigate this account and ensure that correct, fair, and complete reporting is given. This is not the first time that these inaccuracies have been reported to Equifax with nothing done but a shame request on there part for a account number? This is reported by there agency and they should have the information or again inaccurately reporting is a violation of CFPB regulations. I request the inaccuracies corrected or the account deleted immediately. 
I trust that you will take this matter seriously and handle it in a timely and professional matter. I look forward to receiving a satisfactory resolution to all these matters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: AL

Complaint narrative:
Requested XXXX back from a fraudulent charge through Chime Banking. The company will not get money back or dispute any charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX Balance {$0.00} Open Date XXXX XXXX, XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXXXXXX Balance {$280.00} Open Date XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$1400.00} Open Date XX/XX/XXXX XXXX. XXXX XXXX Balance {$750.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$730.00} Open Date XX/XX/XXXX XXXXXXXX XXXX  XXXX Balance {$580.00} Open Date XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Balance {$580.00} Open Date XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX Balance {$580.00} Open Date XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Balance {$580.00} Open Date XXXX XXXX, XXXX inquiries XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX Date XX/XX/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 2025-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
" Midland Credit Management ( MCM ) is attempting to collect an alleged debt ( Account # XXXX ) in the amount of {$1300.00} that they claim originated with XXXX XXXXXXXX XXXX for a XXXX account. I dispute the validity of this collection for the following serious reasons : This account has been improperly transferred multiple times without my consent or proper notification. It appears to have originated with XXXX XXXX then was transferred to XXXX XXXXXXXX XXXX, and now is being claimed by Midland Credit XXXX without my authorization. 
No original creditor ( XXXX XXXX XXXX XXXX ) has ever issued me a XXXX Cancellation of Debt form for this alleged charged-off debt, which is required by the IRS when a creditor XXXX a debt of {$600.00} or more. This indicates the debt was never properly charged off in compliance with tax regulations. 
Midland Credit Management can not provide proper chain of title documenting legitimate ownership of this debt through these multiple unauthorized transfers. 
Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), Midland is required to validate this debt upon request, which they have failed to do adequately. 
This appears to be debt XXXX, where my personal financial information has been passed between multiple entities without proper authorization, potentially violating privacy protections under the XXXX XXXX. 
The email communication I received from Midland included account information sent to my email address, which may constitute a violation of secure debt collection practices, particularly if that information was transmitted in an unsecured manner. 
The multiple unauthorized transfers of this account violate my rights under the FCRA ( 15 U.S.C. 1681 et seq. ) and the FDCPA ( 15 U.S.C. 1692 et seq. ). 

I have never authorized any of these account transfers, and I dispute the validity of Midland 's claim to this debt. No proper documentation has been provided showing Midland 's legitimate ownership of this alleged debt through the proper chain of transfers. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 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: NC

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
The keep calling me several times a day. I explained to them that XXXX XXXX is over charging me for services I did not use. Both companies have put a hit on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
EQUIFAX REFUSE TO REMOVE BLOCK THEY PUT ON MY REPORT TRANSUNION REFUSE TO REMOVE BLOCK EXPERION REFUSE TO REMOVE BLOCK I SENT MY SSN NUMBER PIC AND DRIVERS ID TO THEM XXXX  TIMES THEY LIE LIE LIE

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 2025-03-30 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: CA

Complaint narrative:
EQUIFAX REFUSE TO REMOVE BLOCK THEY PUT ON MY REPORT TRANSUNION REFUSE TO REMOVE BLOCK EXPERION REFUSE TO REMOVE BLOCK I SENT MY SSN NUMBER PIC AND DRIVERS ID TO THEM XXXX  TIMES THEY LIE LIE LIE

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 2025-03-30 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: Chime Financial Inc
State: OK

Complaint narrative:
On XX/XX/XXXX, I filed a complaint with XXXX XXXX. I had closed my account but they were able to confirm that the transactions from that period were unauthorized and not made by me ( since they were made from multiple devices ). I then filed a dispute with Chime for {$550.00} ( the amount of the unauthorized transactions altogether. ) I spoke multiple times with multiple agents who said they were going to force XXXX XXXX to release the funds or they would provisionally credit my account. I sent them all the information from the companies who confirmed the unauthorized use. I waited XXXX  days for them to investigate my claim to deny my claim. I have exhausted every possible method to get these funds back and filing this claim is my last resort.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: TX

Complaint narrative:
Dear Credit Bureau, I am writing to formally request removal of the following incorrect addresses from my credit file, as I have never resided at these locations : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My current and only valid address is : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inaccuracies may negatively impact my credit profile and could facilitate identity confusion or fraud. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute and correct errors in my credit report. 

Enclosed for verification : Copy of my XXXX XXXX XXXX license ( current address ) Copy of my Social Security card ( last XXXX digits XXXX XXXX  ) Recent XXXX XXXX  ( within last XXXX days ) Copy of lease agreement Please investigate and remove these incorrect addresses immediately. I request written confirmation once completed. 

For verification : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief