vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-06 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: AZ

Complaint narrative:
XXXX XXXX, XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) 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 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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 XXXXInquiry XXXX XXXX XX/XX/XXXXXXXX XXXXInquiry XXXXInquiry XXXX XXXXInquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - IncorrectPersonal XXXX XXXX XXXX XXXXXXXX XXXX - IncorrectPersonal XXXX XXXX XXXX XXXX XXXX XXXX - IncorrectPersonal XXXX XXXX XXXX XXXX XXXX XXXX - IncorrectPersonal XXXX - IncorrectPersonal XXXX XXXX XXXX - IncorrectPersonal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 ( FTC NUMBER ) 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
Consumer complaint received 2025-02-06 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: SC

Complaint narrative:
Please ensure the unauthorized accounts are blocked and removed from my credit report promptly. I did not initiate these accounts and do not recognize them. Under USC 1681g, I formally request their removal within 15 days. Supporting documents are included for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: HI

Complaint narrative:
This is Portfolio Recovery calling and harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: WV

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: MS

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( 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 section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-02-06 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 writing to formally dispute the presence of two accountsXXXX XXXX XXXXXXXX XXXX my credit report, as I do not recognize them and have no contractual obligation or prior dealings with these entities. I have reason to believe these accounts are fraudulent and improperly placed on my credit file. 

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), I request an immediate investigation into these accounts and their removal from my credit profile if they can not be substantiated. Additionally, under FCRA 611 ( 15 U.S.C. 1681i ), I formally demand that any credit reporting agencies that have listed these accounts provide me with verification, including the original signed contract or other documentation proving my liability. If such verification can not be provided within 30 days, these accounts must be deleted in compliance with federal law.

Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ), I demand validation of these debts from the furnishers, including the name and contact information of the original creditor and a detailed accounting of any alleged debt. Should these accounts remain on my report without proper validation, I reserve the right to take legal action against all responsible parties, including filing complaints with the Federal Trade Commission ( FTC ) and my State Attorney Generals Office for violations of my consumer rights. 

These inaccurate listings are impeding my ability to obtain credit and make sound financial investments. Therefore, I urge the CFPB to ensure swift resolution of this matter. Please confirm receipt of this dispute and provide me with a case reference number for tracking purposes. 

Sincerely, 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 2025-02-06 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: TX

Complaint narrative:
I am writing to formally dispute the presence of two accountsXXXX XXXX XXXXXXXX XXXX my credit report, as I do not recognize them and have no contractual obligation or prior dealings with these entities. I have reason to believe these accounts are fraudulent and improperly placed on my credit file. 

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), I request an immediate investigation into these accounts and their removal from my credit profile if they can not be substantiated. Additionally, under FCRA 611 ( 15 U.S.C. 1681i ), I formally demand that any credit reporting agencies that have listed these accounts provide me with verification, including the original signed contract or other documentation proving my liability. If such verification can not be provided within 30 days, these accounts must be deleted in compliance with federal law.

Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ), I demand validation of these debts from the furnishers, including the name and contact information of the original creditor and a detailed accounting of any alleged debt. Should these accounts remain on my report without proper validation, I reserve the right to take legal action against all responsible parties, including filing complaints with the Federal Trade Commission ( FTC ) and my State Attorney Generals Office for violations of my consumer rights. 

These inaccurate listings are impeding my ability to obtain credit and make sound financial investments. Therefore, I urge the CFPB to ensure swift resolution of this matter. Please confirm receipt of this dispute and provide me with a case reference number for tracking purposes. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: MD

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-02-06 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: IN

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 explanation
Consumer complaint received 2025-02-06 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: IN

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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:
I am writing to file a formal complaint regarding several inaccurate collection entries that appear on my credit report. I have reason to believe that these collections may be in violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 15, Code 1692. The collections listed on my credit report have negatively impacted my credit score and financial stability. 
The details of my complaint are as follows : Name of Creditor/Collection Agency : [ XXXX XXXX XXXX XXXX ] Account Number : [ XXXX ] Date of Collection Entry : [ XX/XX/year> ] Amount of Debt : [ {$740.00} ] I have reviewed my credit report and noticed discrepancies and/or inaccuracies regarding these collection accounts, which I believe may be in violation of FDCPA Section 1692. Specifically, I am concerned about incorrect amounts, failure to verify the debt, or improper reporting practices. These actions violate the requirements set out by the FDCPA, including the protection against unfair or deceptive debt collection practices.

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 2025-02-06 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: GA

Complaint narrative:
I am writing to request unauthorized credit inquiries on my TRANSUNION Credit Report. My latest credit report shows 3 credit inquiries that I did not authorize.

I am writing to dispute the following inquiries and asking for their removal from my credit report. 

INQUIRY ACCOUNT NAME : XXXX DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXX XXXX  DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXXXXXX XXXX  DATE : XX/XX/XXXXXXXX  Please have these inquiries removed from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved.

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 2025-02-06 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Servicer under contract with Federal Student Aid
State: NC

Complaint narrative:
My understanding is that loan servicers were forbidden from applying borrower defense refunds to loans ( Outstanding Principle Balance OPB ) for other schools or loans that were also in a separate borrower defense case.

So I have the following questions : 1. Shouldnt my refunds from ITT borrower defense case 1 have been sent to me directly and not applied to my outstanding principle balance for XXXX loans in borrower defense case 2?

2. What action do I need to take and who do I take it with?

3. If my borrower defense case for XXXX is eventually approved, but that balance has been discharged under the XXXX forgiveness, will I still receive a retro-active refund of money that I paid on those loans, including the refund payments that were applied to them? 

I was considered a class member of the XXXX case for my XXXX borrower defense application. 
I applied for borrower defense for my XXXX loans on XX/XX/XXXX. 
I received notification on XX/XX/XXXX, from the Department of Education, that my application was approved. 
My studentaid data history shows that XXXX applied XXXX XXXX related refunds to my OPB for my remaining XXXX balance, rather than issue a refund directly to me. This is what I see : o Refund 1 : Loan Disbursement Amount : {$23000.00} Aid Recipient 's Loan Discharge Type Code : XXXXXXXX XXXX Recipient 's Loan Discharge Type Code Description : XXXX XXXX XXXX XXXX 's Loan Discharge XXXX Amount of Discharge : {$8400.00} Amount of Discharge Applied to OPB : {$8400.00} Amount of Discharge Applied to XXXX : {$0.00} o Refund XXXX : Loan Disbursement Amount : {$11000.00} Aid Recipient 's Loan Discharge Type Code : XXXX Aid Recipient 's Loan Discharge Type Code Description : Borrower Defense XXXX XXXX XXXX XXXX Discharge XXXX Amount of Discharge : {$4700.00} Amount of Discharge Applied to OPB : {$4700.00} Amount of Discharge Applied to XXXX : {$0.00} I applied for borrower defense for my XXXX loans on XX/XX/XXXX. 
I was considered a post-class member of the case for my second borrower defense application. 
I have been told that the Dept. of Edu. has until XXXX to respond to this second application. If they do not, the loans would be automatically XXXX. 

I received notification on XX/XX/XXXX, from the Department of Education, that I received a full discharge of my remaining balances for XXXX  because I was paying on an XXXX plan for XXXX  years. But the second borrower defense case is still pending. 

I sent multiple inquiries about this on the studentaid.gov website which received no response. 

I created a dispute case with the Department of Education. I received an email from XXXX  XXXX XXXX on XX/XX/XXXX stating that they were working on the case. I emailed requesting a status update on XX/XX/XXXX which went unanswered. I sent another email requesting an update again today.

Company response to consumer: Untimely response
Consumer complaint received 2025-02-06 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: American Coradius International LLC
State: FL

Complaint narrative:
I been getting non stop calls from this debt collector who can not validate the debt I recently sent a letter for validation but no validation was made, Instead They gave me a offer for a lower amount. I don't know who this company is never agreed to anything with them. I recently applied for housing and I was informed that my application was denied due to information obtained from a consumer credit report. Under the FCRA I have the right to Dispute inaccurate information if the credit report contained incorrect, unverifiable information, I have the right to dispute these errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally request that all accounts associated with my personal information that have been impacted by fraud or identity theft be blocked and deleted, pursuant to my rights under 15 USC 1681c-2 ( a ). As a victim of the recent data breach affecting all XXXX credit bureaus, I have taken appropriate steps to safeguard my identity and would like to ensure that any fraudulent accounts opened in my name are removed from my credit file. 

Details of Fraudulent Activity : Account Name Issue XXXX XXXXXXXX Inquiry XXXX XXXXXXXX Inquiry XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry XXXX XXXX XXXXXXXX Inquiry 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
my information was found on the dark web, an account was never opened but they tried so now I have XXXX hard inquires on my credit report and it is affecting my report

Company response to consumer: Closed with non-monetary relief