vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: MD

Complaint narrative:
I got a XXXX sent me a collection notice alert on Fri, XX/XX/XXXX. The middleman company reporting the colection was Source Receivables Management ( XXXX ) XXXX. They would not tell me the merchant without giving them a credit card number. 
So I requested my credit reports and found out it was XXXX. I tried to report the fraud and dispute the collection to all credit bureaus. I have never had a XXXX account. And there an invalid name on my credit report ( XXXX XXXX ). 
If I recall correctly, this is the same name/person who stole my identity and opened a XXXX account back in XXXX which I also disputed and reported the fraud. 

I want this fraudulent name and collection off my credit report. Ideally, this person would be arrested for identity theft. 

I have to spend hours going to multiple sites and losing time from work because some XXXX stole my identity and steals from merchants.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: LA

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-10 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: MA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: VA

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND DEPRESSED. I recently discovered that I was listed as part of the XXXX data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-03-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
on XX/XX/XXXX i was alerted to fraudulent activity, the card was canceled and a new card was sent out. On XX/XX/XXXX I was called and given the XXXX tracking at XXXX. By XXXX, the thief had already gone shopping at XXXX and removed {$500.00} from my checking. I called the bank to report the new fraud and as i'm on the phone, the thief then removed {$5500.00} from my savings WHILE I WAS ON THE PHONE WITH CHASE. Chase then told me to go to a branch to handle this. It was a snow storm outside and I had to call off the rest of my shift to address this situation. When i arrive at the bank, the branch manager stated he was new and didnt know how to handle the situation. He told me he had to wait until the transactions were not pending before he could report the fraud, this was XX/XX/XXXX. On XX/XX/XXXX i called to report the fraud again, i was told 5-7 business days. When i call on XX/XX/XXXX the Chase employee stated that whoever placed the first claim had done it wrong. She stated that she would get everything entered the corrected and it'll take another 1-3 business days, but that it would be expedited by the " back office ''. I called back on XXXX to check on the progress of this case. I was told it wasnt entered until XXXX and will take another 1-3 business days and was guaranteed that my money would be back, even though it was a weekend and would expedite this to the " back office '' again. I called back today, bc my bills are stacking up, and they told me it'd be another 1-3 business days and that the " back office '' is aware and expediting it but wont let me speak to them to get specifics. I have been waiting for 3 weeks for a theft that was totally Chase bank 's fault bc my money was handed out in person, by a teller without correctly identifying me, and there was nothing i could do to prevent this but i have to pay all the consequences ( late fees )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: NC

Complaint narrative:
I am writing to follow up on my previous request for an investigation into the inaccuracies on my credit report, which I initially submitted in XX/XX/XXXX. As of today, I have not received any response from your office, and the incorrect information remains on my report, continuing to harm my credit. This lack of action is both concerning and unacceptable. 

For your reference, the inaccuracies I outlined in my original letter are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please promptly eliminate the late payment and UPDATE this account immediately. 

I kindly request that this matter be promptly solved by TRANSUNION. 

As per the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to investigate disputes within 30 days of receiving a formal request. More than [ number of days since the initial request ] days have passed, and I have yet to receive any resolution, confirmation of investigation, or update on this matter. The continued presence of this inaccurate information has severely impacted my creditworthiness and has caused denial of credit, increased interest rates, or emotional distress ''. This delay undermines the confidence I should have in the integrity and efficiency of the processes.

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 2025-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
This was originally a refinance that was nearly paid off then the company then the company took off the promotion or maybe it was expired already. Either way the company sold my information to portfolio recovery without contacting me and receiving my written consent or verbal consent. Now this company calls me all day and from different numbers harassing me for payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
I filed a complaint with the CFPB on XX/XX/XXXX, regarding Navient 's deceptive practices. The complaint was closed on XX/XX/XXXX, but the issue remains unresolved. The deception I experienced involved being told that I qualified for loan forgiveness after 10 years of recertifying by simply submitting my XXXX Benefit Letters. However, after 10 years, when I requested the loan forgiveness, I was shocked to learn that the forgiveness period was actually XXXX  years, not XXXX. I was left speechless, feeling hopeless and betrayed. 
Although XXXX is now the servicer of my loan, Navient was the original lender with whom I entered into the loan contract, and Navient Trust remains the payee of my loan. On the same day I filed my complaint ( XX/XX/XXXX ), I contacted XXXX to inquire about the status of my loan. During the conversation, I explained the misleading information I was given back in XXXX by Navient, who assured me that my loan would be forgiven in 10 years if I consolidated my XXXX XXXX loans and continued yearly recertifications with my XXXX Benefit letter. However, XXXX told me this information was incorrect. They clarified that loan forgiveness under these terms applies only to public servants after 10 years of qualifying payments, not borrowers like me. They further explained that the loan forgiveness period for my situation is actually XXXX  years, not XXXX, and advised me to contact Navient because they created the loan contract and are still responsible for managing the loan. Additionally, I also discovered that Navient Trust is still the owner of the loan repayments. 
I want to make it clear that I never would have entered into a XXXX loan agreement under these conditions, another decade of submitting paperwork, or worse, 10 years of knowing I could never meet the requirements for qualifying payments as a public service worker. Over the years, the interest on my loan has ballooned to over {$140000.00}, despite the original loan being only {$60000.00}. This overwhelming increase in debt is a direct result of the false information I was given. I was misled into making financial decisions based on what now appears to be a bait-and-switch tactic aimed at exploiting a vulnerable person. 
I urgently request that this loan be forgiven due to the deceptive practices I was subjected to. I implore you to take immediate action to correct this injustice and hold the responsible parties accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: VA

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-03-10 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-10 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-10 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: EQUIFAX, INC.
State: MD

Complaint narrative:
These items are inaccurate for several reasons. Some accounts contain incorrect details that do not match my records, while others are entirely unfamiliar to me and should not be reported under my name. Additionally, some of these items lack proper verification, meaning they have been added to my report without substantial evidence of their legitimacy. Under the Fair Credit Reporting Act ( FCRA ), all reported information must be 100 % accurate and verifiable. 

To resolve this matter fairly, I request that all inaccurate items be permanently removed from my credit report. If the reporting companies can not provide legitimate proof confirming the accuracy of these items, they must be deleted immediately to restore the integrity of my credit profile. I expect swift corrective action to ensure my report reflects only truthful and verifiable information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2025-03-10 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: MO

Complaint narrative:
This letter serves as my final attempt to resolve this matter before I initiate legal action against your agency for violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Despite numerous disputes and opportunities to correct the inaccuracies on my credit report, you have failed to comply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Cascade CISS Holdings, LLC
State: MI

Complaint narrative:
Xactus provided my lender a mortgage credit report on XX/XX/year> that resulted in them denying my mortgage application. The reason is that XXXXXXXX XXXX XXXX  is showing TEN 90 day late payments ; this is incorrect, there was ONE not TEN, and this resulted in being denied a mortgage. 
I provided supporting docs from the NCUA, all 3 credit bureaus and XXXX credit report refuting their errors. They have refused to correct the errors and have refused to investigate them, after having been provided extensive supporting documentation. They claim they have no responsibility in the accuracy of what they are reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: OH

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. The 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 2025-03-10 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
to whom this may concern I pulled a copy of my credit report and noticed a charge off, which is defined as debt that has been discharged that your agency took a tax write off on. After I contacted the IRS, they explained that it was illegal that you were reporting this information on my credit report, with trying to collect or having a charged off status Furthermore, the IRS has directed me to file Form 3949A for illegal tax violations upon your company to resolve this matter.

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 2025-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: OK

Complaint narrative:
I received a letter in the mail from Caine and Weiner on XX/XX/XXXX attempting to collect {$520.00} for a creditor I have never heard of ( XXXX XXXX XXXX XXXX ). I contacted the debt collector and they informed me that someone had opened an LLC  in my name ( XXXX XXXX XXXX XXXX XXXX took out an insurance policy and hired XXXX XXXX XXXX. I informed Caine and Weiner that I have never opened an LLC and I have no knowledge of any of this. I informed them that I was the victim of Identity theft in XXXX. They asked that I submit all previous documents to them, which Im currently in the process of accomplishing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-10 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief