vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-13 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
experian data leak my information was leaked resolution : 15usc1681

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 2025-02-13 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 have not supplied proof under the doctrine of estoppel by silence, 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 non-monetary relief
Consumer complaint received 2025-02-13 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: NC

Complaint narrative:
I was looking over my credit and noticed unauthorized inquiries Per 15 U.S. Code 1681 my rights as a consumer are being validated. I've listed the inquiries below please remove them immediately XXXX  -- - XX/XX/2024 XXXX -- - XX/XX/2024 XXXX -- - XX/XX/2024 XXXX XXXX -- - XX/XX/2024 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2024 XXXX XXXX -- - XX/XX/2024 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 2025-02-13 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 was looking over my credit and noticed unauthorized inquiries Per 15 U.S. Code 1681 my rights as a consumer are being validated. I've listed the inquiries below please remove them immediately XXXX  -- - XX/XX/2024 XXXX -- - XX/XX/2024 XXXX -- - XX/XX/2024 XXXX XXXX -- - XX/XX/2024 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2024 XXXX XXXX -- - XX/XX/2024 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 non-monetary relief
Consumer complaint received 2025-02-13 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
XX/XX/XXXX I was in XXXX, I went into a store and the man was selling me a bottle for {$20.00} usd. When he tried to run the card it was in XXXX and in paseos. But he said 3 times on two different machines It did not work, then finally asked me for cash. Right after I called credit card company because it seemed very odd. I found out two times he tried the exact same amount so one of these got denied. The 3rd one they ran for .XXXX XXXX more. I contested the entire thing. I got the resolution in the mail today XX/XX/XXXX saying they are reinstating it because there was signature 's on the line. I never signed for it? 

XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NRA Group, LLC
State: TX

Complaint narrative:
2 of 2 of the same issues of service charges they didnt remove from my credit when insurance submitted to them. 

Hospital did not take my insurance at the time of service. I tried to give the insurance to them since but to no help at all. Ive spoke to many supervisors and made many calls to them. They said they would apply my insurance card, confirmed it was an error on their part and all but they never correct the matter. Calls result in me having someone to say the debt was corrected for XXXX XXXX but it is not removed from all 3 Credit agencies. This is negatively having effects on me when I have tried to speak to them, hours on the phone and they say, The error was corrected but the collection company did nothing to stop posting the false charge, that my insurance took and is not removed in spite of what so many of them say. 1 of 2 separate accounts or charges they have from me that is not fixed. I will file the next report next. I dont know if it is the hospital thats not doing their part and updating or the collection agency whos illegally still trying to collect on a debt the hospital already moved from their collection company. Either way. It needs to be fixed and removed from all 3 of my credit reports as Ive tried, severally to rectify the matter with XXXX XXXX, up to submitting my insurance information to a supervisor, more than 3 times.

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 2025-02-13 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: IL

Complaint narrative:
Get this fraud account block from my report. 
Get this account block from my 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 2025-02-13 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: AR

Complaint narrative:
I sent a dispute to Experian, Equifax, and TransUnion multiple times and they have yet to respond to me with the proper verification of the bankruptcy they are reporting on my consumer reports. Sometimes they won't even respond at all. It has been over a year, and they have yet to remove this bankruptcy. Last year in XXXX 2024 Experian stated they verified the account with XXXX XXXX. XXXX XXXX replied saying they could not locate the bankruptcy that Experian is claiming to verify. They sent me a letter showing it was not found. So how can these companies continue to report this on my consumer report. They have no permissible purpose and it simply states in 15 USC 1681b these companies must have permissible purpose. I also contacted the US Bankruptcy court and PACER they both responded that they do not provide Experian, Equifax, and TransUnion with any information. These companies are violating my rights as a consumer and the CFPB is supposed to protect me from companies like these.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: AR

Complaint narrative:
I sent a dispute to Experian, Equifax, and TransUnion multiple times and they have yet to respond to me with the proper verification of the bankruptcy they are reporting on my consumer reports. Sometimes they won't even respond at all. It has been over a year, and they have yet to remove this bankruptcy. Last year in XXXX 2024 Experian stated they verified the account with XXXX XXXX. XXXX XXXX replied saying they could not locate the bankruptcy that Experian is claiming to verify. They sent me a letter showing it was not found. So how can these companies continue to report this on my consumer report. They have no permissible purpose and it simply states in 15 USC 1681b these companies must have permissible purpose. I also contacted the US Bankruptcy court and PACER they both responded that they do not provide Experian, Equifax, and TransUnion with any information. These companies are violating my rights as a consumer and the CFPB is supposed to protect me from companies like these.

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 2025-02-13 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: MN

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to 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 2025-02-13 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: MN

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 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: IL

Complaint narrative:
I asked the XXXX XXXX to remove my private information from the credit profile and t correct the inaccurate information on my profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I asked the XXXX XXXX to remove my private information from the credit profile and t correct the inaccurate information on my profile.

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 2025-02-13 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: TN

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: NV

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 2025-02-13 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TekCollect Inc.
State: CA

Complaint narrative:
XX/XX/year> I received a text message @ XXXX FROM TekCollect about an account I had with XXXX. I looked in my spam email and found an email from TekCollect that I owe {$2400.00} of debt. I did see on the side of the email I could dispute if I did not feel the information was correct. I sent out an email to the email provided from TekCollect XXXXXXXX XXXX XXXXXXXX that I would like to dispute the amount owe to XXXX since they filed for XXXX Bankruptcy, and I never received my aligners or service I was going to pay for, and I would get a lawyer and contact the CFPB and FTC . I ended up calling XXXX @ XXXX. I spoke with a man who worked for TekCollect and he told me to contact XXXX XXXX XXXX and speak with them. I told XXXX I was going to fight this. I spoke on the phone with a representee XXXX XXXXXXXX and was told they were aware of the Bankruptcy with XXXX but that I needed to contact TekCollect since it was sent over to them. I called TekCollect back and spoke with another man XXXX XXXXXXXX. I explained the situation and I was willing to work something out. I did inform him about my financial hardship I am experiencing, and he offered a 25 % decreased from the original XXXX. I said I could pay TekCollect {$100.00} each month to pay off this debt, but the man informed me that wouldn't work because I would already have been reported to a credit agency. I ended up calling back TekCollect XXXX XXXX and spoke with the same person I called XXXX XXXXXXXX and asked him if there was anything I could have in writing and that I was willing to work something out with them to pay this off, so I don't get reported. He informed me that he can't do that, and he can't give me a specific date I have to pay this debt off. Halfway through this phone call he stated that the " call was being monitored and recorded for quality purposes. '' I recieved an email from TekCollect XXXX XXXX XXXX XXXX XXXX XXXX  " Please forward your attorney 's information. The financial contract was binding ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: OR

Complaint narrative:
LVNV Funding LLC which I never signed a contract with and I am not sure if this a company trying to scam me. I did send them a letter asking for the debt to be validated but have not heard anything from them. I also asked them to remove this from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 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: WI

Complaint narrative:
Subject : DEMAND FOR IMMEDIATE BLOCKING AND DELETION OF FRAUDULENT ACCOUNTS PURSUANT TO 15 U.S.C. 1681c-2 ( a ) Dear Transunion Customer Service , I am writing to formally demand the immediate blocking and deletion of all fraudulent accounts appearing on my credit report due to identity theft stemming from the XXXX  data breach. Under 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), you are legally required to block and remove this fraudulent information upon notification and receipt of supporting documentation. 
Fraudulent Accounts to Be Removed : XXXX XXXX  XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX ( XXXX XXXX  ) - XXXX Supporting Documentation Enclosed : A copy of my government-issued ID Proof of address FTC Identity Theft Report As a victim of the XXXX data breach, my personal and financial information was compromised, leading to fraudulent activity on my credit report. I expect Transunion to take immediate action to rectify the harm caused by this breach.

I demand written confirmation that these fraudulent accounts have been permanently removed from my credit report. Additionally, if any disputed item is reinserted into my credit file, I expect Transunion to provide a detailed explanation, including the evidence used to verify its accuracy. 
Failure to comply with this request will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my state attorney general, and any other relevant regulatory authorities. I expect a resolution within the legally mandated timeframe and will pursue all available legal remedies if necessary. 
Please confirm receipt of this letter and provide a resolution promptly. If you need further information, I can be reached at the information above. 
Sincerely, XXXX XXXX XXXX Enclosures : ID FTC Social Security Card Utility Bill

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TN

Complaint narrative:
charged wrong amount and they wont call me back to let me pay or talk.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nelnet, Inc.
State: CT

Complaint narrative:
I was told by a representative at XXXX that my XXXX  loans for XXXX XXXX XXXX XXXX XXXX XXXX would be erased. I had no idea that it was on my credit report. I have recently been looking into fixing my credit and noticed it is there. 
I had to take a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The XXXX  said it would be fine and to give them a call when I could return. When I tried to return, the financial aid department XXXX XXXX XXXX  said I couldnt resume my classes until I paid an additional XXXX on top of the original tuition. I was never told any of this when I notified them of the leave of absence. 
I contacted XXXX who told me that if this was not in the XXXX XXXX XXXX my debt had to be forgiven. The representative told me that because it was a XXXX XXXX XXXXey could charge extra fees but it had to be in their handbook under XXXX of their policies. 
I was never billed once by XXXX or the school. I have never received XXXX piece of mail, email, or even a phone call that I owed by loan back. I always believed that my debt was erased. 
I was never even given the chance to return to XXXX  and finish my licensing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief