vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Check number XXXX to XXXX XXXX was cashed by them, it's for {$200.00} to XXXX XXXX who cashed it but claims they didnt.Chase bank refuses to give me a copy front and back of check XXXX

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:
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 30-day 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-01-13 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 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-01-13 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: CA

Complaint narrative:
Information compromised in a data breach, identity was compromised, and accounts were established without my knowing or permission.

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: CA

Complaint narrative:
Information compromised in a data breach, identity was compromised, and accounts were established without my knowing or permission.

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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. 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 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: TX

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 XXXX XXXXXXXX

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 — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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 explanation
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: FactorTrust, Inc.
State: GA

Complaint narrative:
I am writing to formally request the removal of a bankruptcy filing from my credit report. I believe that this entry is in violation of my rights under the Fair Credit Reporting Act ( FCRA **Reason for Request : 1. **Inaccuracy of Information : ** According to Section 607 ( b ) of the FCRA , credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information in consumer reports. If the bankruptcy listed on my report is inaccurate or not reflective of my current financial situation, it should be removed 2. **Time Limitations : ** The FCRA also stipulates that bankruptcies can only be reported for a maximum of 10 years from the date of filing ( Section 605 ( a ) ). If the bankruptcy in question has exceeded this time frame, it is unlawful for it to remain on my credit report 3. **Consumer Rights : ** Under Section 609 of the FCRA, I have the right to request that any information that is inaccurate or can not be verified be removed from my credit report. I am exercising this right, as I believe the bankruptcy does not accurately represent my creditworthiness **Supporting Documentation : I have enclosed copies of relevant documentation that support my request, including [ list any documents you are including, such as a copy of your credit report, a bankruptcy discharge notice, etc.

**Request for Action : I kindly request that you investigate this matter and remove the bankruptcy entry from my credit report. Please confirm in writing that you have received this request and inform me of the actions taken Thank you for your prompt attention to this matter. I look forward to your response Sincerely

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: Improper use of your report — Reporting company used your report improperly
Company: Advanced Resolution Services Inc.
State: GA

Complaint narrative:
I am writing to formally request the removal of a bankruptcy filing from my credit report. I believe that this entry is in violation of my rights under the Fair Credit Reporting Act ( FCRA **Reason for Request : 1. **Inaccuracy of Information : ** According to Section 607 ( b ) of the FCRA , credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information in consumer reports. If the bankruptcy listed on my report is inaccurate or not reflective of my current financial situation, it should be removed 2. **Time Limitations : ** The FCRA also stipulates that bankruptcies can only be reported for a maximum of 10 years from the date of filing ( Section 605 ( a ) ). If the bankruptcy in question has exceeded this time frame, it is unlawful for it to remain on my credit report 3. **Consumer Rights : ** Under Section 609 of the FCRA, I have the right to request that any information that is inaccurate or can not be verified be removed from my credit report. I am exercising this right, as I believe the bankruptcy does not accurately represent my creditworthiness **Supporting Documentation : I have enclosed copies of relevant documentation that support my request, including [ list any documents you are including, such as a copy of your credit report, a bankruptcy discharge notice, etc. 
**Request for Action : I kindly request that you investigate this matter and remove the bankruptcy entry from my credit report. Please confirm in writing that you have received this request and inform me of the actions taken Thank you for your prompt attention to this matter. I look forward to your response Sincerely

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 — Their investigation did not fix an error on your report
Company: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
I reach ou to the company and they havent provided me with anything of my documentation that I request from the company and my debt is over {$600.00} and still have reached out with anything that i asked for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION
State: TN

Complaint narrative:
In XX/XX/XXXX my husband, XXXX XXXX, started college at XXXX XXXX  XXXX XXXX, TN. He was a first-generation college student for his family and had very little guidance at home. His parents both worked minimum wage jobs ( mom worked at a storage unit and his dad at XXXX ), Wanting to better himself, he followed some friends to XXXX. Over his time at XXXX, he took out loan after loan never really understanding what that truly would mean for him years down the road. Never once did anyone in the Financial Aid office sit down and really explain what he is signing and what it would look like in 5, 10, 15+ years or what a job would be getting out of college, paying student loans, car, rent, insurance, etc. Also, due to lack of any parental support or guidance, he took out private loans instead of federal loans because that is what the school found for him to take out. By the last couple of years, he was told he was unable to get federal aid ( even though he was not a dependent on his moms taxes and his dad had passed away by that point ). I feel the college did a HUGE disservice to XXXX, along with others in that situation that truly do not understand or comprehend the magnitude of what they are signing. The amount of student loans have put an enormous strain on our family. Neither have a " wealthy uncle '' that is willing to help pay for college, cars, down payments, etc. We have been on our own and both have worked hard keeping XXXX steady incomes from XXXX through current but as we have kids and life happens the burden, sleepless nights and stress they have caused is indescribable. I pulled his private student loan from Aspire and he was given just under {$95000.00}. At this time, 19 years later we have paid back {$150000.00} and still have another {$58000.00}. This is not including his federal student loan of $ XXXX ( paid $ XXXX and still have $ XXXX left ) or mine of {$34000.00} in XXXX ( still owe {$42000.00} ). We have been making minimum payments for almost 20 years and have had to defer at some point given our financial situation. We have had difficult times financially and coming back after a missed payment to get caught up it is very difficult.

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: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: MA

Complaint narrative:
This is a follow-up complaint regarding my earlier XXXX cases ( Complaint ID : XXXX and XXXX ). 

I sent the requested documents to the company on XX/XX/XXXX and provided an additional document as per their request on XX/XX/XXXX. I told them multiple times that I had issues with TWO cards. However, after more than XXXX months, they only issued one check for one gift card, and there is still one gift card on hold and I can not use it. 

THE BALANCE of the remaining card is {$490.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Professionals, Inc. (Macomb, IL)
State: IL

Complaint narrative:
Collection Professionals is suing me for a debt they have not proved is my debt. I was told by their lawyer that " It's not their job to prove that the debt is mine. '' I was told by Collection Professionals ' lawyer will find the correct owner of the account and ADD them to the lawsuit. Also, Collection professionals have failed to report the correct amount to the Credit Bureau. Collection professionals has added interest to the amount owed and I believe in Illinois that interest can be added ONLY if the original contract states interest can be added. Lawsuit is for {$520.00} is what I accused of owing. Currently Collection Professionals is reporting that I owe {$660.00}. Before Collection Professionals reported that my balance was {$550.00}.

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: NC

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

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: NC

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

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 — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX RE : Social Security Number : XXXX PERSONAL INFORMATION UPDATE REQUEST To Whom It May Concern : I recently obtained a copy of my consumer report and noticed that you are reporting inaccurate information in my personal information section. To diminish speculation mu information is as follows : My Full Legal Name : XXXX XXXX XXXX Please DELETE all other references to names as they are not mine and I have never used any of them. 
Please be sure that my address is listed correctly. 
My Address : XXXX XXXX XXXX XXXX, NJ XXXX Please DELETE addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the XXXX above. 

My only Phone number is : ( XXXX ) XXXX DELETE any and all other phone numbers. 

I demand my social security number and date of birth be removed from being displayed on the consumer file for privacy reasons. 

DELETE all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Please send an updated consumer report once the changes are complete to my contact information listed. 

My contact information is as follows : Name : XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX, NJ XXXX Sincerely, BY : XXXX, XXXX XXXX FOR : XXXX XXXX WITHOUT RECOURSE Enclosed : copy of State ID and Insurance bill showing proof of address

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