vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-09 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: AL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX [ XXXX XXXX XXXXXXXX ] [ XXXX ] [ XXXX ] [ Date : XX/XX/year> ] XXXX XXXX Experian Subject : Request for Investigation and Removal of Negative Items Dear XXXX, XXXX, Experian I am writing to formally dispute certain items that appear on my credit report dated [ XX/XX/year> ]. The accounts in question are as follows : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. Achieve Personal Loans I have reviewed my credit report, and I believe that the entries listed above contain inaccuracies or outdated information that do not accurately reflect my credit history. 

Provide a brief explanation of why these items are inaccurate ( e.g., paid off, incorrect balance, identity theft, etc. ). Be sure to include any relevant evidence you might have, such as payment receipts, correspondence with the creditors, or identity theft reports. ] According to the 15 U.S. Code 1681 Fair Credit Reporting Act, I am entitled to dispute inaccurate information contained in my credit report. I kindly request that you investigate these accounts and confirm their accuracy. If you find that these accounts are indeed inaccurate, I ask that you remove them from my credit report as soon as possible. 

Please find enclosed copies of any supporting documentation that substantiate my claims. I appreciate your prompt attention to this matter and look forward to your response. 

Thank you for your help in resolving this issue. 

Sincerely, 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 explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Collection Management. Inc
State: MI

Complaint narrative:
XX/XX/year> I called and spoke with staff but they acted as if they didn't believe me cause I told them that that is not me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc.
State: CA

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Late Payment XXXX XXXX XXXX XXXX - {$180.00} XXXX XXXX - XXXX - {$0.00} XXXXXXXX XXXX - XXXX - {$650.00} XXXXXXXX XXXX - XXXX - {$140.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
See attached documents XXXX XXXX, Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at Grow Financial on XX/XX/XXXX under the account number ( private ), a collection account opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ), and a collections account opened at XXXX on XX/XX/XXXX with a balance of {$890.00} ( private ) that appears related to the aforementioned unknown account. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) as proof from the XXXX Federal Trade Commission that all of 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 non-monetary relief
Consumer complaint received 2025-01-09 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The inquiry was not authorized by me, and I did not communicate with this lender on the specified date.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: CA

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 2025-01-09 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: CO

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: LA

Complaint narrative:
Subject : Request for Investigation of XXXX  Inaccurate Reporting and Response Dear Consumer Financial Protection Bureau, I am writing to request your assistance in resolving a dispute regarding inaccurate information reported on my credit file by XXXX. Despite filing a formal dispute with the CFPB on XX/XX/XXXX, XXXX sent me a letter dated XX/XX/XXXX, stating that the account in question had been investigated, deemed correct, and would remain on my credit report. 

The account, which XXXX lists as a repossession in XX/XX/XXXX and a charge-off in XX/XX/XXXX, contains the following inaccuracies : Repossession and Charge-Off Reporting : It is unclear and inaccurate for the account to be reported as both repossessed and charged off within such a short time frame. 
Failure to Issue Form 1099-C : I have not received a Form 1099-C for this account, which raises serious doubts about whether the debt has been properly verified as canceled or discharged. 

This situation raises concerns regarding XXXX  compliance with the Fair Credit Reporting Act ( FCRA ), specifically : 1. 15 U.S. Code 1681 ( e ) - Compliance Procedures : XXXX is obligated to ensure maximum possible accuracy of the information it reports. The discrepancies in how this account is reported, combined with the absence of a Form 1099-C, suggest that XXXX has failed to meet this standard. 
2. 15 U.S. Code 1681 ( i ) - Procedure in Case of Disputed Accuracy : XXXX is required to conduct a reasonable investigation when a consumer disputes an account. Their response dated XX/XX/XXXX, does not adequately address the issues I raised, nor does it provide sufficient verification of the accuracy of the account. 

Despite my attempts to resolve this matter, XXXX has failed to take appropriate action. The inaccurate reporting continues to harm my credit standing and financial well-being. 

I kindly request the CFPB to investigate XXXX  handling of this matter and require them to provide proper verification of this account or remove it from my credit report. Specifically, I request confirmation that the investigation was conducted in accordance with FCRA standards and that the accounts accuracy was properly substantiated. 

Enclosed, I have included : Copies of the XX/XX/XXXX, response from XXXX Evidence of my original CFPB dispute filed on XX/XX/XXXX A copy of my credit report showing the inaccuracies Any additional supporting documentation Thank you for your assistance. Please feel free to contact me if further information is required. I look forward to your help in resolving this matter. 

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 2025-01-09 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: LA

Complaint narrative:
Subject : Request for Investigation of XXXX Inaccurate Reporting and Response Dear Consumer Financial Protection Bureau, I am writing to request your assistance in resolving a dispute regarding inaccurate information reported on my credit file by XXXX. Despite filing a formal dispute with the CFPB on XX/XX/XXXX, XXXX sent me a letter dated XX/XX/XXXX, stating that the account in question had been investigated, deemed correct, and would remain on my credit report. 

The account, which XXXX lists as a repossession in XX/XX/XXXX and a charge-off in XX/XX/XXXX, contains the following inaccuracies : Repossession and Charge-Off Reporting : It is unclear and inaccurate for the account to be reported as both repossessed and charged off within such a short time frame. 
Failure to Issue Form 1099-C : I have not received a Form 1099-C for this account, which raises serious doubts about whether the debt has been properly verified as canceled or discharged.

This situation raises concerns regarding XXXX  compliance with the Fair Credit Reporting Act ( FCRA ), specifically : 1. 15 U.S. Code 1681 ( e ) - Compliance Procedures : XXXX is obligated to ensure maximum possible accuracy of the information it reports. The discrepancies in how this account is reported, combined with the absence of a Form 1099-C, suggest that XXXX has failed to meet this standard. 
2. 15 U.S. Code 1681 ( i ) - Procedure in Case of Disputed Accuracy : XXXX is required to conduct a reasonable investigation when a consumer disputes an account. Their response dated XX/XX/XXXX, does not adequately address the issues I raised, nor does it provide sufficient verification of the accuracy of the account. 

Despite my attempts to resolve this matter, XXXX has failed to take appropriate action. The inaccurate reporting continues to harm my credit standing and financial well-being. 

I kindly request the CFPB to investigate XXXX  handling of this matter and require them to provide proper verification of this account or remove it from my credit report. Specifically, I request confirmation that the investigation was conducted in accordance with FCRA standards and that the accounts accuracy was properly substantiated. 

Enclosed, I have included : Copies of the XX/XX/XXXX, response from XXXX Evidence of my original CFPB dispute filed on XX/XX/XXXX A copy of my credit report showing the inaccuracies Any additional supporting documentation Thank you for your assistance. Please feel free to contact me if further information is required. I look forward to your help in resolving this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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:
I am writing to request an investigation into certain accounts on my credit report, as there appears to be a misunderstanding regarding their accuracy. These accounts were previously removed but have been reinstated without my knowledge. I did not receive any notification or correspondence about their reappearance.

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 2025-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Ingo Money, Inc.
State: MA

Complaint narrative:
Received a Debit Visa Credit Card in the Mail with my name on it. Inside there is only one paper explaining the perks of the card and how to activate the card or sign up for direct deposit from my employer to the card. They also provide a banking account number and routing number. 

I did not apply for any such card nor can I find any information on my XXXX XXXX or in my email that suggests I accidentally signed up for this card through a possible verified partner. 

I believe this is either a misleading promotion that tricks you into thinking you have signed up and/or a scam that gets you to direct deposit money into an account and then someone else has access to it? 

Not sure if I am a victim of identity theft at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: MOHELA
State: NC

Complaint narrative:
I have submitted a complain in the past that was not resolved XXXX. In the past 8 months Mohela has not applied a payment made on my behalf by XXXX. They are committing theft/fraud. I have sent them the electronic payment information that I received from XXXX and they still have not adjusted my balance. My account is currently incurring interest and they are doing this on purpose. Taking advantage of customers for their profit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: NY

Complaint narrative:
Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Here I attach, along with the dispute, my fraud report that I just sent to Experian for the second time so that these questions can be removed, hoping that this time this problem will be completely 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 explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: First Financial Resources, Inc.
State: NJ

Complaint narrative:
I have no recourse other than to reopen my complaint as it was not satisfactorily resolved. The collection agency providing verbiage is not a response, actually addressing the terms of my complaint would be a proper response. 

I have no record of the collection agency attempting to collect the debt prior to placing a notice on my credit report. By the way, that was how I learned of the initial debt from XXXX XXXX XXXX XXXX. ( My inquiry to the ambulance service resulted in them confirming that they had submitted a bill to an address at which I have not resided for 25 years. They noted, since they had attempted to collect the debt it was now my problem, outrageous. ) Upon my inquiry to First Financial Resources, a representative noted that they had attempted to contact me via phone. They did, indeed, have the correct phone number. ( I suspect that the representative noted the current number I was calling from and guessed, correctly, that it was my phone number. ) The representative said they had attempted to reach me in XX/XX/year> and that I had spoken with a representative and requested that they cease contact with me. This is false. My phone records do not have calls logged from unknown numbers on the dates suggested by the representative. In my prior complaint, I requested that First Financial Resources provide a call log, and any recording of the purported call. They did not do so, nor reply at all.

Upon First Financial Resources actually sending me a bill, I paid it. My credit report, however, dropped XXXX points on XXXX. I feel that it is incumbent on First Financial Resources to rectify this, and ensure that my otherwise sterling credit is restored. I have also asked for a formal apology, which has not been forthcoming.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Experian I believe these late payments are erroneous and do not accurately reflect my payment history. 

Nature of the Complaint : XXXX. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
XXXX. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.

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