vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-13 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: TN

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: MD

Complaint narrative:
Kindly remove these fraudulent accounts from my credit report, as I did not authorize their creation and was not aware of their presence. Under USC 1681g, I request their removal within XXXX  days. Supporting documents are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
My Information was stolen and I placed a freeze on my credit report I contacted, all three bureaus and it seem as if they ignore my request to have such information removed because the address XXXX XXXX  XXXX  is not my address nor any account or information pertaining to that address has nothing to do with me and that was In XXXX I live contacted XXXX, XXXX, XXXX for a deletion of this information as it is inaccurate. Also I filed a police report in 2023 as well regarding identity theft. XXXX XXXX, Capitol one, XXXX, XXXX, XXXX, XXXX, Current are all listed on my report and are all inaccurate information. Ive contacted them and asked to provide information and they have not so I asked to Please have these and inquiries removed and I havent gotten a response under the FCRA 15 U.S.C. 1681 et seq I am a consumer and advocate and would like this information to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: MI

Complaint narrative:
My Information was stolen and I placed a freeze on my credit report I contacted, all three bureaus and it seem as if they ignore my request to have such information removed because the address XXXX XXXX  XXXX  is not my address nor any account or information pertaining to that address has nothing to do with me and that was In XXXX I live contacted Experian, XXXX, XXXX for a deletion of this information as it is inaccurate. Also I filed a police report in XXXX  as well regarding identity theft. XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX are all listed on my report and are all inaccurate information. Ive contacted them and asked to provide information and they have not so I asked to Please have these and inquiries removed and I havent gotten a response under the FCRA 15 U.S.C. 1681 et seq I am a consumer and advocate and would like this information to be removed

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 2025-01-13 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: FL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: NJ

Complaint narrative:
I filed a dispute on XX/XX/XXXX, regarding inaccurate late payment history on these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ). This violates the Fair Credit Reporting Act ( FCRA ), which requires maximum possible accuracy in credit reporting. The payment status shows 'paid ' or 'pays as agreed, ' yet the payment history inaccurately marks them as XXXX  days past due. This contradiction is frustrating and harmful. I demand a detailed explanation of the verification process used to confirm these inaccuracies. TransUnion 's willful noncompliance could result in liability of up to {$1000.00}. I demand the immediate correction of these errors and an updated report reflecting accurate 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 2025-01-13 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: GA

Complaint narrative:
This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within XXXX business days of receiving a complaint consisting of the information below XXXX XXXX XXXX {$23000.00} XXXX XXXX  XXXX {$44000.00} XXXX XXXX XXXX XXXX {$9400.00} These credit accounts are the results 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 non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: AZ

Complaint narrative:
I submitted a request for a loan discharge based on misconduct from the school I attended, XXXX XXXX on XX/XX/24 and again on XX/XX/24. The request was denied with little information as to why. 

I made a similar request for my federal student loans that was approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
I got a loan with XXXX on XX/XX/year> for a XXXX  XXXX XXXX. I was in a collision and my car was declared a total loss. I kept making payments due to delays in getting the loan paid off and to avoid damaging my credit. The last payment I made was on XX/XX/XXXX. The loan was paid off XX/XX/XXXX. I spoke with them XXXX  times to ask about the refund process being told that a check would be sent and XXXX  months later I have not received my check. They would always check my mailing address and claim to have " updated '' my mailing address. Even though I had already done it on my web portal. And I can never get a clear answer. They aren't willing to expedite the process and they are willing to refund back to the original payment source via XXXX. They just took my money and are refusing to send it back and it has gone much longer than reasonably expected. The money I could use for gas and groceries.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-13 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: MI

Complaint narrative:
I am a victim of data breach, in which my personal information was exposed. As a result of this breach, I am requesting that any fraudulent accounts opened in my name be blocked and deleted in accordance with my rights under 15 USC 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ). 
Specifically, I request that ( Credit Bureau ) block and delete : Account Credit Acceptance -- - Balance : XXXX This account was opened or created as a result of identity theft or unauthorized use of my personal information. I believe this account is a direct consequence of the data breach and should be promptly addressed. 
To support my request, I have enclosed the following documentation : A copy of my Identity Theft Report filed with the Federal Trade Commission ( FTC ) # XXXX. A copy of my government-issued identification, Proof of address, XXXX XXXX XXXX, XXXX and Any other required documents for verifying my identity and the fraudulent activity. 
Please take the necessary steps to block and delete this fraudulent account associated with identity theft from my credit file. In accordance with the FCRA, I request written confirmation that these actions have been completed and that my credit report has been updated accordingly

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 2025-01-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My credit report contains inaccuracies related to 15 USC 16c-2, specifically unauthorized hard inquiries. These errors are negatively impacting my credit, and I kindly request their removal. 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 non-monetary relief
Consumer complaint received 2025-01-13 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: SC

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 {$XXXX} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"

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 2025-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Midland Credit Management , LLC XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Dear Midland Credit Management, Im reaching out because I need some clarification on an account youve reported on my credit. Specifically, Id like to know : 1. The Date of First Delinquency ( DOFD ) 2. The Date of Last Payment 3. The Date of Charge-Off ( if it applies ) Just so were on the same page, this isnt a request for validation or verification of the account. Im simply asking for this information so I can know.

If theres anything you need from me to look this up, let me know. Otherwise, Id appreciate it if you could send your response to the address at the top of this letter.

Thanks for handling thisI look forward to hearing from you. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Phillips & Cohen Associates, Ltd.
State: NY

Complaint narrative:
I am writing to submit a complaint against XXXX XXXX XXXX XXXX XXXX XXXX for violating the Fair Debt Collection Practices Act. 

XXXX XXXX XXXX XXXX is a third-party debt collector that has been contacting me about a debt owed with XXXX & XXXX XXXX  XXXX On XX/XX/year>, in exercise of my right to ask them to cease collection efforts, I mailed a cease and desist letter to XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, DE XXXX, asking them to stop contacting me about the debt. I also advised that I am judgement-proof. My income is exempt from collection and I have no assets. My letter is attached to this complaint. 

I mailed this cease and desist letter to XXXX XXXX XXXX XXXX via certified mail with return service to my local legal aid office. On XX/XX/year>, I received the green card receipt indicating that XXXX XXXX XXXX XXXX received my cease letter, and a representative had signed off acknowledging receipt, on XX/XX/year>. The green card receipt is attached to this complaint. 

On XX/XX/year>, XXXX XXXX XXXX XXXX contacted me again in violation of the Fair Debt Collection Practices Act. On that date, I received a letter from XXXX XXXX XXXX XXXX dated XX/XX/year>, trying to collect on a debt owed to XXXX XXXX XXXX XXXX. Again, they received my cease letter on XX/XX/year>. Their letter is attached to this complaint. 

I am therefore submitting this complaint with your agency against XXXX XXXX XXXX XXXX for contacting me after receiving my cease and desist letter in violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 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 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX education loan This debt collector engaged unfair, abusive, and deceiving tactics that are unlawful under the FDCPA. They provided this account, for which i did not sign an agreement, and we did not agree. Two parties must sign a legal contract, and I was not involved in any of it. Furthermore, they failed to stick to the correct five-step validation procedure, which renders these activities unfair. I'm enttied to payment under the FDCPA for each infraction, and it's apparent that they broke my rights. I want all affirm inc, accounts removed immediately. 
15 USC 1681i ( 5 ) 15 USC 1681s-2 15 USC 1681 b

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: TX

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-13 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: TX

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-01-13 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: TX

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-01-13 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: MA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
On XX/XX/year>, I submitted a dispute to Equifax regarding inaccuracies on my credit report. I have proof of their receipt of this dispute through XXXX XXXX. Since then, Equifax has failed to complete the investigation within the legally mandated timeline under the Fair Credit Reporting Act ( FCRA ), while providing inconsistent and contradictory responses to my dispute. Here is a detailed summary of events : XX/XX/year> Response : Equifax claimed that the documents I submitted were illegible. They requested that I resubmit my identity documents, which I promptly did. 

Previous Responses from XX/XX/year> : On XX/XX/year>, in response to a previous dispute I submitted, Equifax claimed they were unable to locate my credit file using the identification information I provided. 

However, on XX/XX/year>, just XXXX days later, Equifax stated that my identity documents did not match the information on my credit file. This directly contradicts their XX/XX/XXXX response, as they would need to locate my credit file to make such a determination. 

These responses from XXXX, combined with the XXXX response, highlight a pattern of contradictory and inconsistent communication. XXXX actions fail to demonstrate the " reasonable investigation '' required under FCRA Section 611 ( 15 U.S.C. 1681i ). Moreover, their inability to provide clear and consistent responses undermines my ability to resolve this dispute and calls into question their compliance with FCRA requirements. 

How This Has Affected Me : XXXX repeated delays and conflicting responses have caused : Harm to my credit reputation. 
Difficulty obtaining credit approvals. 
Emotional distress and financial uncertainty due to the unresolved inaccuracies on my credit report.

Company response to consumer: Closed with non-monetary relief