vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-14 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 2025-03-14 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: AR

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally disputing the following negative items on my credit report : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/year> These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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 2025-03-14 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX ( XXXX ) XXXX. XXXX XXXX XXXX ) Hard Inquieres : XXXX. XXXX ( XX/XX/XXXX ) XXXX. XXXX XXXX XX/XX/XXXX ) XXXX. XXXX ( XX/XX/XXXX ) As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Equifax Credit Bureau has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 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: FL

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

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 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 2025-03-14 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 ( mo ) 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 2025-03-14 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: LA

Complaint narrative:
Kindly remove the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts and am unfamiliar with their origins. As per USC 1681g, I am requesting their removal within 15 days. Please find the enclosed documents for reference. Furthermore, there are inconsistencies in account details across the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: CA

Complaint narrative:
I am filing this complaint against Equifax, Experian, and TransUnion for failing to correct inaccurate personal information on my credit report, despite my formal dispute under the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/year>, I sent written disputes to all three credit bureaus, requesting the removal of incorrect personal information and the correction of my name, address.

Under 15 U.S.C. 1681i ( Section 611 of the FCRA ), the credit bureaus are legally required to investigate and correct inaccurate information within 30 days.

Additionally, under 15 U.S.C. 1681e ( b ), credit bureaus must ensure maximum possible accuracy in consumer reports. However, despite my formal request, these inaccuracies remain, potentially linking me to fraudulent activities or misrepresenting my identity.

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 2025-03-14 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: MI

Complaint narrative:
Dear CFPB Representative, I am writing in response to the replies from XXXX XXXX, XXXX XXXX and XXXX XXXX regarding my complaint. Unfortunately, their responses do not address the core issue I raised. 

I have no knowledge of many of the transactions and payments referenced in their responses. I have been a victim of a XXXX XXXX virus, which compromised my personal and financial information, leading to unauthorized activities on my accounts. Despite informing XXXX XXXX and XXXX XXXX of this, they have chosen to ignore the fact that my accounts were compromised and are holding me responsible for transactions I did not authorize. 

XXXX XXXX states that I am responsible for these charges due to my Cardmember Agreement, but they fail to acknowledge the impact of financial fraud and identity theft. Similarly, XXXX XXXX is dismissing my claim despite the fact that the unauthorized transactions resulted from stolen credentials. 

I urge the CFPB to intervene and ensure that both financial institutions properly investigate my claim, acknowledge the fraud, and take the necessary steps to remove these fraudulent charges from my record. Holding a fraud victim accountable for transactions resulting from a known malware attack is both unjust and against consumer protection principles. 

I request that XXXX XXXX, XXXX XXXX and XXXX XXXX provide : A thorough fraud investigation into the transactions I have disputed. 
Proof that these transactions were legitimately authorized by me and not by an unauthorized person. 
Immediate correction of my credit report to remove any inaccurate, fraudulent, or disputed information. 
I appreciate your time and assistance in ensuring that these institutions uphold consumer protection laws. Please let me know if you require any additional information from my end. 

Sincerely, XXXX XXXX XXXX Name : XXXX XXXX Date of Birth : XX/XX/year> Address : XXXX XXXX, XXXX, Michigan XXXX XXXX XXXX Reference : XXXX XXXX XXXX XXXX XXXX XXXX ) Reference : XXXX XXXX XXXXXXXX Reference : XXXX Last Four Digits of Affected Account : 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 2025-03-14 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: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
Dear CFPB Representative, I am writing in response to the replies from American Express, XXXX XXXX and XXXX XXXX regarding my complaint. Unfortunately, their responses do not address the core issue I raised. 

I have no knowledge of many of the transactions and payments referenced in their responses. I have been a victim of a XXXX XXXX virus, which compromised my personal and financial information, leading to unauthorized activities on my accounts. Despite informing American Express and XXXX XXXX of this, they have chosen to ignore the fact that my accounts were compromised and are holding me responsible for transactions I did not authorize. 

American Express states that I am responsible for these charges due to my Cardmember Agreement, but they fail to acknowledge the impact of financial fraud and identity theft. Similarly, XXXX XXXX is dismissing my claim despite the fact that the unauthorized transactions resulted from stolen credentials. 

I urge the CFPB to intervene and ensure that both financial institutions properly investigate my claim, acknowledge the fraud, and take the necessary steps to remove these fraudulent charges from my record. Holding a fraud victim accountable for transactions resulting from a known malware attack is both unjust and against consumer protection principles. 

I request that American Express, XXXX XXXX and XXXX XXXX provide : A thorough fraud investigation into the transactions I have disputed. 
Proof that these transactions were legitimately authorized by me and not by an unauthorized person. 
Immediate correction of my credit report to remove any inaccurate, fraudulent, or disputed information. 
I appreciate your time and assistance in ensuring that these institutions uphold consumer protection laws. Please let me know if you require any additional information from my end. 

Sincerely, XXXX XXXX XXXX Name : XXXX XXXX Date of Birth : XX/XX/year> Address : XXXX XXXX, XXXX, Michigan XXXX American Express Reference : XXXX XXXX XXXX XXXX XXXX XXXX ) Reference : XXXX XXXX XXXXXXXX Reference : XXXX Last Four Digits of Affected Account : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: WA

Complaint narrative:
My loan balance has been increasing while my interest rate has said it was XXXX. I was on the XXXX plan and out into forbearance without my consent during the court case. I am unable to switch out of that plan because they have now refused to process XXXX applications of any kind. During I received a letter in XXXX of XXXX stating I have no interest while in administrative forbearance until XX/XX/XXXX. In XX/XX/XXXX I received another letter stating interest will accrue in forbearance. I submitted a complaint here and Mohelas response was a letter stating once again that I have no interest accruing while in forbearance. When I look on my mohela sccount, the interest rate also says XXXX on all loans. Despite this, when I checked why my credit score went down the last few months ( since XXXX ), the credit bureau stated that my mohela loan balance had increased once a month. I verified that the amounts had changed between mohelas website and their letter in XXXX and the loan amounts have indeed changed. There is absolutely no reason my loan amounts should be changing by Mohelas own issued letters to me. This is tanking my credit score and adding debt I do not owe. There is no itemization on mohelas website explaining these increases. They are stealing from me. The attached files include a letter from mohela on XX/XX/XXXX listing my loan balances and accrued interest amount and a comparison screen shot of an example loan from my account, XXXX showing the increased interest accrual and loan balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to XXXX XXXX XXXX and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under XXXX XXXX. XXXX when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX ( XXXX ) XXXX. XXXX XXXX ( XXXX ) High Inquires : XXXX. XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX. XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX. FACTUAL DATA ( XX/XX/XXXX ) As required by XXXX U.S.C XXXX, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Experian credit Bureau has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2025-03-14 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:
On XX/XX/year>, I requested the credit bureau to investigate the inaccuracies in this account, XXXX XXXXXXXX # XXXX to ensure accuracy. On XX/XX/year>, the credit bureau responded that the account was verified and modified. Under The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Equifax must provide the names and business addresses of everyone with whom they verified the information. I am requesting Equifax to provide the name and addresses with whom they verified this account. USC1681i ( 7 ) states if requested by the consumer, this must be provided within 15 days to comply with FCRA regulations. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) where the Court ruled that a Credit Reporting Agency can not merely rely on the original creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 00:00:00
Product: Credit card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
i had a XXXX XXXXXXXX   credit card i reported it lost or stolen and wanted to close it out and ended up being charged more

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) listed on my credit report. As per FCRA and FDCPA regulations, you are required to provide proof of debt validation within 30 days or remove the account 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 non-monetary relief
Consumer complaint received 2025-03-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
This has been an ongoing issue with Newrez since XXXX of 2024. At that time they sent an updated escrow analysis that showed an error. They said that XXXX payments in the amount of approximately {$1100.00}. was made to XXXX XXXX taxes, XXXX in XXXX and XXXX in XXXX. Only XXXX payment was actually made. When I called in XXXX about this they said they needed 90 days and would have it resolved. I called back in XXXX, in XXXX they said they had made an error but were still working on it. In XXXX they said the amount for the payment that was never made ( approximately {$1100.00}. ) would be put back into my escrow account. I have been calling every week since this time and they continue to say its on hold. Every time I call I am given a different reason. In XXXX they told me the money would be returned within 3 days. In XXXX they said they were voiding the check that wasnt received and would return the money when that check got voided. This has been ongoing for 9 months and they are refusing to move ahead with returning my money.

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 2025-03-14 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:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX - XXXX XXXX  XXXX - XXXX XXXX  XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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