vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
1. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please remove it from my credit report. 

9. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please remove it from my credit report. 

10. The inquiry was not authorized XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please remove it from my credit report. 

11. The inquiry was not authorized XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please remove it from my credit report. 

12. Validate Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please verify this account. If you can not verify within 30 days you have to delete this inaccurate information.

13. The following is an invalid late payment XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and delete from my credit report. 

14. Validate Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please verify this account. If you can not verify within 30 days you have to delete this inaccurate information. 

15. Validate Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please verify this account. If you can not verify within 30 days you have to delete this inaccurate information. 

16. Validate Account XXXX XXXX XXXX XXXX XXXX XXXX Please verify this account. If you can not verify within 30 days you have to delete this inaccurate information. 

17. Validate Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please verify this account. If you can not verify within 30 days you have to delete this inaccurate information.

18. The following is an invalid late payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove late payments and update account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: Kriya Capital, LLC
State: GA

Complaint narrative:
CREDENCE RESOURCE MANAGEMENT {$1500.00} XX/XX/year> XXXX Account Status reflects Paid Off Remove as negative derogatory account error in record and billing XXXXXXXX XXXX XXXX  The Privacy Act allows for Criminal penalties in the limited circumstances.An agency official who improperly discloses records with individually identifiable information or who records without proper notice is guilty of a misdemeanor and subject to a fine of up to {$5000.00} Payment for violation can be sent in the form of a check to XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: CT

Complaint narrative:
I do not have a contract with XXXX XXXX, they did not provide me with the original contract as I requested. I demand EQUIFAX to removed this innacurate from credit reporting. Thank you. 
XXXX XXXX XXXX XXXX The date, last active is inaccurate is the last date reported is not accurate. This ground for REMOVAL. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The Law clearly states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: MA

Complaint narrative:
I recently discovered inaccuracies on my report that are unfairly affecting my scores and limiting my financial future. Its incredibly frustrating to deal with setbacks caused by incorrect information.

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 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I called equifax 3 times and was completely denied of service violating 15 U.S.C. 1681g ( a ) ( 1 ) Every consumer reporting agency shall, upon request, clearly and accurately disclose to the consumer : ( 1 ) All information in the consumers file at the time of the request. 

I explained on each call that I was recording the phone call for safety and was told that I would not receive any service if I didnt stop recording also was denied speaking to a supervisor in this regard violating : ( O.C.G.A. 16-11-62 ( 2 ) ( A ) ) It shall not be unlawful for a person who is a party to a communication to intercept such communication, provided that one party to the conversation consents to the interception.

The fair credit reporting act states that upon receiving a fraud alert companies must Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c-1 ( a ) ( 1 ) ( B ) Upon receiving a request from a consumer for an initial fraud alert, a consumer reporting agency shall notify each of the other consumer reporting agencies described in section 1681a ( p ) of this title of the alert. 


The Equifax member responsible for this is XXXX The phone call with her was made at XXXX XXXX XXXX XXXX it lasted 16 minutes and the call ends at XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
Tried to close account AFTER not being able to login in no matter what email address I used. I keep meticulous records of user ID and passwords. Tried calling company to cancel account but after a while I heard what sounded like someone talking in background ( on hold for over 50 minutes and then call dropped when I said I was recording call ). I simply want to CANCEL/DELETE account but can not login to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LJ Ross Associates
State: IL

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX, IL, XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/year> ] Re : Dispute of Debt 15 U.S.C. 1692g Account Number : [ ] Dear [ LJ ROSS ASSOC ], I am writing to formally dispute the validity of the debt you have claimed I owe, as stated in your [ letter/notice ] dated [ Date of Notice ]. I am requesting verification of the debt pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ). 

Please provide me with the following information : The amount of the alleged debt. 
The name of the creditor to whom the debt is owed. 
Detailed verification of the debt, including a copy of any agreement or contract that I allegedly signed, which acknowledges this debt. 
Documentation showing that you have the legal right to collect this debt, including proof of any assignment or transfer of the debt to your agency. 
U

nder 15 U.S.C. 1692g, you are required to cease all collection activities until the debt is properly verified. I request that you send me all relevant documentation in writing. Please note that I am requesting the verification in good faith, as I believe this debt may not be valid or may have been reported in error. If you fail to provide the requested verification within 30 days, I request that you cease all collection activities regarding this matter, as outlined in the FDCPA. Thank you for your attention to this matter. I look forward to receiving your verification of the debt as soon as possible. 

Sincerely, XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: TX

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries 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 2025-03-19 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-03-19 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:
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX TransUnion Consumer Solutions XXXX XXXX XXXX  XXXX, PA XXXX New request. Based on my credit reports. Request does not involve the Department of Education. In all honesty and fairness, I submitted a borrower defense case to DOE, which has been proven. My credit score does not involve DOE ; the Department of Education has been diligent and effective and hopefully, it will continue. However, I need TransUnion and Equifax to be my biggest advocates. I have clear credit intentions and goals. It is not clear how I owe the creditor XXXX University, it frustrates me, but I am patient and willing to wait for it to fall off. I ask you to accept my complaint as an opportunity to dispute these tactics proven in court. Sweet v. Cardona Settlement XXXX XXXX XXXX I ask that each credit agency requests that XXXX XXXX XXXX  provide the following information. A serious warning XXXX XXXX XXXX on behalf of XXXX University is using an enrollment application PDF and generic rehearsed statement to respond to debt. The company did not provide an original bill or invoice. I ask you to request specific details and raise their low standard and aggressive collection tactics. A key resolution and priority goal is no bill owed and a removed account. Please request information on the following question : Dates of semester attendance in chronological order? 

The total amount of tuition and payments billed and received during my attendance at XXXX University in chronological order not sum? 

Dates of FASFA applied to billing account and amounts FASFA disbursed in chronological order?

Any dates FASFA was denied? 

Date of any bill/ or fees that were sent to the student ( consumer ) and date first payment requested in chronological order? 

Date of all account holds or previous carryover balances? 

Date of any course withdrawal request or delinquent balance effective dates in chronological order? 


Dates of any tuition invoice amounts and corresponding semester attended in chronological order? 

Are there any rescinded payments please list in chronological order? 


Did the student set up a payment plan, installment, or lump sum, please provide the date, yes or no? 

Please provide the dates the payment plan was offered? 

State and jurisdiction responsible for ensuring fair bill collection? 

I requested withdrawals and am not sure how helpful XXXX University will be with providing this information due to their tactics, unreliable XXXX XXXX, and worthless degree please excuse my honesty. XXXX may not dig deep enough to validate my withdrawal claims which is fine and XXXX not be well documented. But it should still be enough information to find out when the bill was sent and payment requested. Unfortunately, I have a lot of questions for XXXX XXXX XXXX and it is frustrating. 

Thank you in advance!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: GA

Complaint narrative:
I am a victim of identity theft. The information listed below which appears on my credit report are not my transactions that I have made. It is the result of identity theft.

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 2025-03-19 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: NE

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: NE

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-03-19 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: IL

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 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: CA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX rights.

EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  
EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I looked at my TransUnion Equifax Experian credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurmation, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 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 2025-03-19 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: CA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX rights.

EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  
EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I looked at my TransUnion Equifax Experian credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurmation, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 non-monetary relief
Consumer complaint received 2025-03-19 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:
The mistakes on my report are causing unnecessary challenges and unfairly lowering my scores. Its frustrating to be blocked from opportunities because of errors I had nothing to do with.

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