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: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
DATE : XX/XX/year> RE : REQUEST FOR REMOVAL OF INACCURATE ACCOUNTS FROM MY CREDIT REPORT DEAR SIR/MADAM, I AM WRITING TO BRING TO YOUR ATTENTION INACCURACIES PRESENT ON MY CREDIT REPORT, SPECIFICALLY RELATED TO CERTAIN CHARGED OFF ACCOUNT THAT ARE CURRENTLY BEING REPORTED. THESE INACCURACIES ARE CAUSING SIGNIFICANT DAMAGE TO MY CREDITWORTHINESS AND FINANCIAL WELL-BEING. I HAVE THOROUGHLY REVIEWED MY CREDIT REPORTS FROM ALL THREE MAJOR CREDIT REPORTING AGENCIES, AND I HAVE IDENTIFIED ACCOUNTS THAT DO NOT ACCURATELY REFLECT MY FINANCIAL HISTORY. BELOW ARE THE DETAILS OF THE INACCURATE ACCOUNTS : SELF/ATLANTIC CAPITAL XXXX I AM AWARE THAT THE FAIR CREDIT REPORTING ACT ( FCRA ) GRANTS CONSUMERS THE RIGHT TO DISPUTE AND REQUEST THE REMOVAL OF INACCURATE INFORMATION FROM THEIR CREDIT REPORTS. IN ACCORDANCE WITH THIS LAW, I KINDLY REQUEST THE FOLLOWING : 1. VERIFICATION OF THE ACCURACY : I REQUEST THAT YOU INVESTIGATE AND VERIFY THE ACCURACY OF THE CHARGED OFF ACCOUNT LISTED ABOVE. PLEASE PROVIDE DOCUMENTED PROOF OF THE VALIDITY OF THIS ACCOUNT, INCLUDING ANY CONTRACTS, AGREEMENTS, OR OTHER RELEVANT INFORMATION.

2. REMOVAL OF INACCURATE ACCOUNT : IF THE ACCURACY OF ANY OF THE IDENTIFIED ACCOUNTS CAN NOT BE VERIFIED, I REQUEST THEIR IMMEDIATE REMOVAL FROM MY CREDIT REPORTS. THIS ACTION IS NECESSARY TO ENSURE THE ACCURACY AND FAIRNESS OF MY CREDIT HISTORY.

3. UPDATED CREDIT REPORTS : ONCE THE INVESTIGATION IS COMPLETED AND ANY INACCURACIES HAVE BEEN CORRECTED, PLEASE PROVIDE ME WITH UPDATED CREDIT REPORTS REFLECTING THE ACCURATE AND AMENDED INFORMATION. I KINDLY REQUEST THAT YOU INITIATE THE INVESTIGATION PROCESS AS SOON AS POSSIBLE AND RESPOND WITHIN THE 30-DAY TIME FRAME MANDATED BY THE FCRA. YOUR PROMPT ATTENTION TO THIS MATTER IS GREATLY APPRECIATED.

PLEASE SEND ALL CORRESPONDENCES RELATED TO THIS DISPUTE TO MY ADDRESS LISTED ABOVE. I AM PROVIDING THIS INFORMATION TO FACILITATE COMMUNICATION REGARDING THIS ISSUE. I VALUE THE ACCURACY AND INTEGRITY OF MY CREDIT REPORTS AND TRUST THAT YOU WILL CONDUCT A THOROUGH INVESTIGATION TO RESOLVE THIS MATTER EFFECTIVELY.

IF YOU REQUIRE ANY ADDITIONAL INFORMATION OR DOCUMENTATION TO ASSIST IN THIS PROCESS, PLEASE DO NOT HESITATE TO CONTACT ME AT XXXX THANK YOU FOR YOUR PROMPT ATTENTION TO THIS MATTER. I LOOK FORWARD TO A TIMELY RESOLUTION AND THE CORRECTION OF THESE INACCURACIES ON MY CREDIT REPORTS. 

SINCERELY, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Two hard inquiries from unrecognized sources on XX/XX/year>.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
XX/XX/year>. Midland credit management reporting incorrect information that may be the result of a data breach. 

XX/XX/year>. XXXX XXXX reporting incorrect information that may be the result of a data breach.

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: NC

Complaint narrative:
MY PERSONAL INFORMATION WAS INVOLVED IN BOTH EQUIFAX AND XXXX XXXX BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION

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:
MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXX AND XXXX DATA BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION

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: Experian Information Solutions Inc.
State: LA

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 {$1000.00} 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 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: John C. Heath, Attorney at Law, PLLC
State: TX

Complaint narrative:
In 2022, I hire company to do credit repair,, I never really seen any results, maybe XXXX item were deleted. I was paying company {$60.00} a month for the service

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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing this formal dispute against Experian regarding a XXXX account that I previously disputed. Despite being successfully removed ( XX/XX/2024 ), the account has been reinserted onto my credit report without proper notification as required by the Fair Credit Reporting Act ( FCRA ) under 15

U.S. Code 1681i ( a ) ( 5 ) ( B ).

The FCRA mandates that if a previously disputed and removed account is reinserted, the consumer must be notified in writing within five business days of the reinsertion. This notification must include the source of the information, along with proof of reinvestigation and the justification for the reinsertion. To date, I have not received any such notification or supporting documentation from Experian, which is a clear violation of the law.

Additionally, I reference the recent settled lawsuit between Experian and the CFPB, which highlighted Experians pattern of inadequate investigations into valid consumer disputes and failure to address legitimate credit reporting errors. This pattern of behavior aligns with my current situation, where no proper reinvestigation or verification was conducted before reinserting the disputed XXXX account. 
The presence of this fraudulent account on my credit report has caused significant harm by : 1.

Negatively impacting my credit score, making it difficult to obtain credit approvals. 2. Increasing the interest rates on financial products I currently hold. 3. Causing emotional distress and unnecessary financial hardships as I continue to address inaccuracies in my credit report. I am requesting the following : 1. Immediate deletion of the fraudulent Discover account from my credit report. 2. A detailed explanation of how the reinsertion was justified without proper notification to me.

3. Assurance of compliance with FCRA regulations to prevent future occurrences. 
Attached are copies of all relevant documents, including my previous dispute correspondence and supporting evidence that the account was initially deemed fraudulent and removed. 
I trust the CFPB will hold Experian accountable for its actions and ensure compliance with federal consumer protection laws. Please keep me informed of the progress of this investigation.

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 — Credit inquiries on your report that you don't recognize
Company: Tower Loan of Mississippi, Inc.
State: AL

Complaint narrative:
Tower loan in the amount of XXXX and something I have contacted them multiple times letting them know that it was fraudulent done I live on XXXX Al they sent a check on the mail to a old address in XXXX XXXX so someone got the check out the mail and cashed it I sent in documents letting them know that it was fraudulent done they stated that they would get it removed off my credit report and never did it is still there I have called back on multiple occasions and they keep saying they did get it removed on there end but it is not removed off my account

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 information incorrect
Company: MOHELA
State: TX

Complaint narrative:
The student loan company is reporting the incorrect balance and reporting several different amounts several times on all three credit reporting agencies under different company names. The dates of the reporting is also incorrect and being fraudulently reported. This is having an adverse effect on my credit rating and credit report. I have also filed a loan forgiveness form advising them that I did not graduate from this trade school due to them being closed down for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PatientFi, Inc.
State: CA

Complaint narrative:
After I went to XXXX XXXX XX/XX/XXXX I realized I had made a huge mistake, so on XX/XX/XXXX I called their corporate office in XXXX XXXX to cancel my membership. The person I spoke to said they understood and verified that they canceled my membership. 
The contract was with Patient-Fi. 
About 3 months later Patient-Fi is asking for a payment. I called Patient-Fi and they told me that they had paid XXXX XXXX {$4800.00}, and I would need to have XXXX XXXX return the money to them. 
I've called XXXX XXXX about a dozen times from XXXX until XXXX of XXXX. I have gone into their local place of business twice to speak to " XXXX ''. XXXX is the manager and their high pressured sales shark. After speaking with the staff at XXXX XXXX, I'm told I must talk to XXXX, but he doesn't return the calls. The staff has repeatedly assured me that they will give XXXX my messages, but he does not respond back. 
My credit score dropped by XXXX points in XXXX due to late payments. XXXX XXXX ( Patient-Fi ) is the only account that I am in the rears with. As added injury XXXX XXXX ( my emergency card ) sent me a letter dismissing me of their services due to late payments and derogatory reports on my credit. 
I take my credit seriously, and have always stuck to a strict, disciplined, budget to pay my bills. 
I made a mistake, and fell victim to pedatory, high pressured, sales tactics, and soon tried to take corrective action. I have exhausted efforts of trying to make contact with XXXX XXXX. They just don't respond back to me, and it is ruining my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax is falsely reporting a current address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX on my credit report. I disputed this with Equifax last month, since I have never lived at that address. A family member of mine did live there, but I never did. 

Equifax closed the dispute shortly after, falsely claiming the address was accurate. My current address is XXXX XXXX XXXX, XXXX, GA XXXX but is falsely reported as a previous address. 

This improper reporting has caused difficulty with rental applications since it appears to creditors that I am misrepresenting my residential history. 

XXXX and XXXX do not have the XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, GA XXXX address listed. 

I am willing to provide a notarized affidavit verifying that I have never resided at this address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
The debt collectors listed have reported debts to my credit report without providing the legally required notices under the FDCPA. I have not received any written validation of the debts or proof of their right to collect. These actions have harmed my credit profile and caused undue stress. 
I am requesting validation of these debts, including proof of notice, tracking numbers, and legal agreements showing their right to collect.

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 information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Due to a data breach, my personal information was compromised, resulting in unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me but remain on my report, adversely affecting my credit profile. Despite my efforts to resolve these inaccuracies, they persist, raising significant concerns about the security of my personal information and the accuracy of my credit report.

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: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Fees charged
Company: Credit Fresh Holdings Inc
State: MI

Complaint narrative:
I was misled whenn indicating the loan. I was told my first payment would go to the principal prior to the first months payment being due. And the took th first payment out of the principal payment I made. They I searched for an annual percentage rate on the loan or the amount of interest on the revolving account. They only have fees in the amount per lending and they quickly approved me for the loan while less that a quarter of my payment was going to fees. And that I would end up paying them XXXX to pay off a XXXX loan. Which was not in any paperwork nor did they have the amount that would be deposited into my revolving account. In Michigan it is XXXX to write a contract for not more than 7 % interest. Since I was, misled on the payment I spoke with management to recind or reconsider the payment on the contract they declined to negotiate at first then made offer to make payment of XXXX and past due would be taken care of and account would be up to date. If I wanted to continue doing business. After the XXXX payment was made to on the agreement. XXXX reached out telling my my account was due {$740.00}. Attempted to modify the contract with out my consent the agreed was from the signed by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: NJ

Complaint narrative:
I applied to change from the XXXX plan to another XXXX plan so that I can start making payments on XX/XX/XXXX. XXXX told me they forwarded the request to Mohela on XX/XX/XXXX. My account should have been placed on a processing forbearance, which should have granted me 60 days of time that counts towards XXXX. As of XX/XX/XXXX my account is at XXXX payments. I simply need XXXX more to qualify for discharge. That 60 day time delay would put me at exactly XXXX. I can't get Mohela on the phone due to excruciating wait times ( XXXX to XXXX hours! ). It is unfair that I should have my account in limbo with no available actions. I want to make my payments and achieve XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: MI

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 {$1000.00} 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: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am writing to report fraudulent accounts added to my credit report due to identity theft. I have attached my Identity Theft Report from the Federal Trade Commission ( FTC ) for your reference ( FTC Report Number : XXXX ). Despite my dispute with Experian, they failed to conduct a proper investigation, as required by the Fair Credit Reporting Act ( FCRA ). The fraudulent accounts and amounts are as follows : XXXX. XXXX XXXX XXXX Account ( Account Number : XXXX ) - {$5400.00} XXXX. XXXX XXXX XXXX XXXX Account- {$460.00} XXXX. XXXX XXXX XXXX XXXX Account- {$400.00} XXXX. XXXX XXXX XXXX ( Personal or Business Loan ) ( Account Number : XXXX ) - {$1000.00} These accounts were opened without my consent or acknowledgment. The fraud dates back to as early as XX/XX/XXXX, with the latest fraud discovered in XX/XX/XXXX.

Company response to consumer: Closed with explanation