vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-03 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.

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2025-02-03 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: CA

Complaint narrative:
Re : Complaint Regarding XXXX XXXX XXXX and Violation of Consumer Protection Laws Dear Consumer Financial Protection Bureau, I am filing this formal complaint against Equifax , Inc. regarding its failure to protect consumer data, resulting in the massive 2017 data breach, which exposed sensitive personal information, including names, Social Security numbers, birth dates, addresses, and in some cases, drivers license numbers. Despite the passage of time, XXXX continues to mishandle consumer data and fails to provide sufficient remedies to affected individuals like myself. 
Facts of the Complaint Exposure of Personal Data : As a result of the XXXX breach, my personal information was exposed to unauthorized third parties without my consent. 
Failure to Notify in a Timely Manner : XXXX failed to notify affected consumers, including myself, in a timely and transparent manner, violating legal standards under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
Inadequate Remediation : The remedies offered, such as free credit monitoring, are insufficient to mitigate the long-term risks of identity theft and fraud. 
Failure to Maintain Reasonable Security Practices : XXXX violated the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 ( b ), which requires financial institutions to protect the security and confidentiality of customer data. 
Ongoing Harm : Despite corrective measures, I have experienced fraudulent activity and credit issues as a direct consequence of the breach. 
Legal Violations Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 


XXXX : XXXX failed to properly restrict access to consumer information. 
XXXX : XXXX failed to implement adequate procedures to ensure consumer file accuracy and security. 
Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 et seq. 


6801 ( b ) : XXXX failed to implement safeguards to ensure the security of sensitive consumer data. 
Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 et seq.

5531 ( a ) : XXXX engaged in unfair, deceptive, and abusive acts or practices ( UDAAPs ) by failing to disclose the breach promptly and misleading consumers about their security measures. 
Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ) XXXX engaged in unfair and deceptive trade practices by failing to protect consumer data and not adequately notifying affected consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
The company provided a statement saying they don't own the debt but they are acting as the third part collector. 
Under privity of contract between me and the alleged original creditor, can you show me where you all were NAMED SPECIFICALLY inside the terms and condition of the original contract that you sent. You can not enforce a clause that you are not named upon. Please provide this information because I do not see it on the original documentation you sent over.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: NC

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 2025-02-04 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: MI

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company 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 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: GA

Complaint narrative:
Description of the Issue : I am filing a complaint regarding inaccurate information on my LexisNexis consumer report that continues to be used during an ongoing dispute. I initiated the dispute on in XXXX, concerning derogatory marks, e.g., fraudulent accounts or incorrect collection accounts listed on my report, along with variations of incorrect names, address, and telephone numbers that are attaching me to fictitious persons. 

Despite the fact that I formally disputed these items, LexisNexis has continued to report and rely on the disputed information while the investigation was ongoing, which has negatively impacted my eligibility for auto insurance and other services. Specifically, I applied for auto insurance on [ Insert Date of Application ] and was either denied coverage or faced higher premiums due to the erroneous information on my report. 

Additionally, I believe that the disputed marks are linked to identity theft, which should have prompted LexisNexis to take additional steps under FCRA Section XXXXc-XXXX to resolve the issue promptly. Despite my efforts, LexisNexis has not acted within the required XXXX-day period to correct or remove the inaccurate information, violating my rights under FCRA Section XXXXi. 

I initially contacted LexisNexis to dispute the information and requested the removal or correction of these inaccuracies. As of XX/XX/XXXX, the dispute has not been resolved, and the incorrect data remains on my consumer report. 

Actions Taken : Disputed the incorrect information with LexisNexis on XX/XX/XXXX. 
Notified LexisNexis of the potential identity theft on the said date. 
Applied for auto insurance on XX/XX/XXXX, where I was either denied or faced higher premiums due to the disputed information. 
Contacted LexisNexis on XX/XX/XXXX to follow up on the dispute, but the issue remains unresolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 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:
XXXX XXXX account numbers for equifax : XXXX XXXX Account numbers for Transuniuon : XXXX Reporting on Equifax, transunion Reported balance {$0.00} Account status : Indicated pays as agrees however i am unfamiliar with this account and it does not belong to me Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX CLOSED ) Account Numbers Equifax XXXX XXXX Account numbers for transunion : XXXX Reporting on experian Account Status PAYS_AS_AGREED Reported Balance {$0.00} Account status : Indicated pays as agrees however i am unfamiliar with this account and it does not belong to me XXXX XXXXXXXX XXXX XXXX XXXX CLOSED ) Account Number XXXX XXXX Account number first part : XXXX Reporting on : Equifax, Transunion Reported Balance {$360.00} Account Status CHARGE_OFF Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CLOSED XXXX Account Number Equifax XXXX Account numbers for Transunion : XXXX Reporting on Equifax, transunion Reported Balance {$0.00} Account Status PAYS_AS_AGREED Date closed : XX/XX/XXXX XXXX XXXX ( CLOSED ) Account Number Equifax XXXX XXXX Account numbers for Transunion and experian : XXXX Reporting on Equifax and transunion, and experian Reported Balance {$1300.00} Account Status XXXX  Date of First Delinquency XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX ACCOUNT NUMBER TRANSUNION XXXX Reporting on Transunion Date Opened XX/XX/XXXX Balance {$410.00} Pay Status XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account number Transunion XXXX Reporting on transunion Date Opened XX/XX/XXXX High Balance {$300.00} Pay Status XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reporting on Transunion XXXX Date Opened XX/XX/XXXX Balance {$2000.00} Pay Status XXXX XXXX XXXX Account numbers transunion : XXXX Reporting on Experian date opened : XX/XX/XXXX Balance {$680.00} Status : Charged off Credit bureaus reporting these accounts : Experian, TransUnion, and Equifax Actions taken : The accounts listed above have been disputed several times and concurrent CFPB reports have been filed aimed at Experian, Transunion and Equifax to have them removed, this time I have taken measures in seeking legal council and litigation will commence as a result if these accounts are not removed within 30 -45 days in accordance with FCRA guidelines for response times permitted. as a result of the several data breaches known to date whom all 3 credit bureaus have been exposed to this has created an environment for consumers like myself to be impacted financially with no resolve and left to bear the brunt of said negligence by the 3 major credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 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:
Hi, I am a victim of Identity Theft, I have contacted all three bureaus XXXX, EXPERIAN, And XXXX I also followed the proper steps into disputing these items, I.e contacting original furnishers to seek clarification on the Identity Theft and details of charges, uploading the information and documents and sending in dispute letters in regards to the information that is on my credit report as incorrect information which has not been corrected or removed. They place the same information on my credit report when its been deleted from another bureau. Ive sent in a police report and my Identification, current address, social security number as well as an outline of the items I have discovered to be inaccurate/incorrect information. Below is a list of items Ive found to be a result of identity theft, that I have disputed and asked to be deleted and removed and blocked from me credit report, 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

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 2025-02-03 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: MI

Complaint narrative:
Hi, I am a victim of Identity Theft, I have contacted all three bureaus XXXX, EXPERIAN, And XXXX I also followed the proper steps into disputing these items, I.e contacting original furnishers to seek clarification on the Identity Theft and details of charges, uploading the information and documents and sending in dispute letters in regards to the information that is on my credit report as incorrect information which has not been corrected or removed. They place the same information on my credit report when its been deleted from another bureau. Ive sent in a police report and my Identification, current address, social security number as well as an outline of the items I have discovered to be inaccurate/incorrect information. Below is a list of items Ive found to be a result of identity theft, that I have disputed and asked to be deleted and removed and blocked from me credit report, 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: NY

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 2025-02-03 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: NY

Complaint narrative:
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 incomplete items unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failin 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 Theses are the accounts XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA
State: VI

Complaint narrative:
Good day, I am writing to request urgent assistance with an ongoing issue involving my federal student loan servicer, Mohela. Despite my repeated attempts to resolve this matter, Mohela has failed to take action, and it is now jeopardizing my ability to purchase a home and achieve financial stability for my family. 

Here are the key details of my situation : Forbearance Issue : My federal student loans have been in forbearance for several months. I have contacted Mohela multiple times via phone, email, and written correspondence to request that my loans be removed from forbearance so I can resume making payments. However, Mohela has not taken any action, and my loans remain in forbearance.

Public Service Loan Forgiveness ( PSLF ) : I am a public servant with now more than XXXX qualifying payments toward PSLF. I am on the verge of having my remaining loan balance forgiven, but Mohelas inaction is delaying this process.

Home Purchase : I am currently under contract to purchase my first home, a critical step toward providing stability for my two children, both of whom have special medical needs. Unfortunately, Mohelas refusal to remove my loans from forbearance is preventing me from finalizing this purchase.

Financial Impact : I am willing and able to make payments ( as low as {$1.00} per month under an income-driven plan ), but Mohelas failure to act is causing significant stress and instability for my family during an already challenging time.

As a public servant, I dedicate my time to educating others on food stability and community well-being. Yet, the very system that was supposed to help me achieve the XXXX  dream is now holding me back. With the rising cost of housing and the uncertainty in our economy, this delay is not just frustrating ; it is devastating.

I am humbly requesting the CFPBs assistance in resolving this matter with Mohela. Specifically, I ask for help in : Ensuring my loans are removed from forbearance immediately.

Expediting the certification of my PSLF payments so I can achieve loan forgiveness.

Holding Mohela accountable for their lack of responsiveness and action for not just myself but others in my same situation. 

Please do not hesitate to contact me at XXXX XXXX XXXX or XXXX if you need additional information or documentation. 

Thank you for your time and attention to this matter. I look forward to your assistance in resolving this issue so I can continue working toward a stable and secure future for my family and keep working hard to help others. 
Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 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: IL

Complaint narrative:
My credit report is showing accounts and items that do not belong to me. These inaccurate accounts need to be deleted immediately.

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 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My credit report is showing accounts and items that do not belong to me. These inaccurate accounts need to be deleted immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 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: TX

Complaint narrative:
Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have highlighted major concerns regarding Equifaxs failure to conduct proper investigations. The CFPB has alleged in a lawsuit that Equifax violated consumer protection laws by performing inadequate investigations, failing to meet its obligations under the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax is required to conduct a complete reinvestigation of disputed items within 30 days. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ), any inaccurate, incomplete, or unverifiable information must be corrected or removed promptly. Failure to comply with these requirements constitutes a violation of federal law.

I am disputing the following unresolved negative items on my credit report : XXXX XXXX XXXX - XXXX - {$10000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00XXXX XXXX XXXX XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX XXXX  {$15000.00} XXXX XXXX XXXX - XX/XX/year> Former : XXXX XXXX Despite my repeated disputes and submission of all necessary documentation, these items remain unverified. This inaction has caused significant financial harm and emotional distress.

As guaranteed by the FCRA, I am entitled to an accurate credit report. I request immediate action to verify or remove these items to resolve this ongoing violation of my rights.

Company response to consumer: Closed with non-monetary relief