vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC
State: IL

Complaint narrative:
I HAVE DISPUTED THIS INACCURATE AND UNVERIFIED ACCOUNT ON MY CREDIT REPORT FOR DELETION AND IT IS STILL REPORTING. SINCE IT HAS NOT BEEN DELETED, AND YOU ARE TRYING TO VIOLATE ME UNDER THE FCRA AND FDCPA, IN 7 DAYS I WILL BE SEEKING FOR DAMAGES FOR EVERY MONTH THIS ACCOUNT HA BEEN REPORTING ON MY CONSUMER REPORT UP TO {$1000.00} FOR EACH VIOLATION. I WILL BE SEEKING FOR DAMAGES FROM YOUR COMPANY ( SOURCE RECEIVABLES ) BECAUSE YOUR COMPANY IS THE ONE WHO HAS BEEN REPORTING THIS ACCOUNT. ( AGAIN YOU HAVE 7 DAYS FROM NOW XXXXXXXX  )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: FL

Complaint narrative:
I reviewed my consumer credit reports and noticed that I had XXXX late payments on an account with XXXX XXXX XXXX XXXX in which I was never late for. Consumer reporting agencies have assumed an integral role and have a responsibility to report accurate consumer information. I have never been late with any payments with XXXX XXXX before. Please investigate and provide proof that I was late. In the event that this information can not be obtain, please remove the late payments with each credit bureau : Equifax, XXXX, and Equifax. 

Not only have XXXX XXXX reported inaccurate late payments, they have reported conflicting information with Equifax and XXXX. For example, XXXX XXXX reported the XXXX payments XXXX days late in XX/XX/year> and XX/XX/year>. However, with Equifax, they reported the XXXX late payments being 60 days late in XX/XX/year> and XX/XX/year>. 

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). My consumer rights are clearly being ignored and disregarded, as my credit reports show transparent inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
XX/XX/year> I disputed all unauthorized transaction and fraudulent activity on my report and they still have it on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: PA

Complaint narrative:
I am writing to dispute certain hard inquiries that have appeared on my credit report obtained from your agency. After reviewing my credit report, I have identified these hard inquiries that I know are inaccurate and should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: PA

Complaint narrative:
I am writing to dispute certain hard inquiries that have appeared on my credit report obtained from your agency. After reviewing my credit report, I have identified these hard inquiries that I know are inaccurate and should be removed.

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 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Block, Inc.
State: MI

Complaint narrative:
XXXX I reached out to CashApp regarding a Visa Debit card sent to me, which I did not request. The company would not help me over the phone. I tried messaging them on XXXX, thy did not help- they kept demanding my email and would not verbally speak with me. I relented and gave them my email address, then sent them copies of the card I was sent and other identifying information. On XXXX I completed a CFPB complaint about their handling of this fraud. I also reached out to the XXXX Police Department to file a stolen identity police report, but they would not complete on without more information, such as the date and time the account was created and any possible IP address used to created. Yesterday I received an email from CashApp saying they closed the account attached to the XXXX card I had been sent. I replied asking for the information that XXXX Police required and got another email back saying I had to take a photo of myself holding my own ID card, and a few other thing, DESPITE already providing proof of who I am ( which is why they sent me the info about the account being closed ).. I need this information as another card was created using my identity at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: MN

Complaint narrative:
Sales price XXXX times the car value. I had full coverage insurance and insurance wouldn't pay balance off over value

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MORTGAGE SOLUTIONS OF COLORADO
State: TN

Complaint narrative:
They transferred the loan to another branch of their company SB/MORTGAGE SOLUTION FIN. When they removed it off my credit and caused it to drop my score nearly XXXX points. They keep telling me it will update in XXXX days since XX/XX/year> and it hasnt. I reached out to XXXX and uploaded the documents needed to show it as an active current loan, but they still haven't marked it as such even though they're investigation is done. This is impacting my credit rating in preventing me from being able to refinance and a better rate. I feel that they're doing this to keep getting the current rate from me that they are.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: GA

Complaint narrative:
The account is closed and was scheduled to be removed from the report a year ago

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: NM

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 2025-01-07 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: FL

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
KINDLY HELP ME. THERE IS AN ITEM OF INFORMATION BEING REPORTED WITHIN MY CREDIT REPORT THAT IS INCORRECT. SEE ATTACHED DOCUMENTS.

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 2025-01-06 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: PR

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS XXXX Account Number : 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 2025-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
KINDLY HELP ME. THERE IS AN ITEM OF INFORMATION BEING REPORTED WITHIN MY CREDIT REPORT THAT IS INCORRECT. SEE ATTACHED DOCUMENTS.

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 2025-01-07 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.Please remove all fraudulent accounts. Thank You

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 2025-01-06 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: NC

Complaint narrative:
I have already filed a complaint with the three credit bureaus regarding negative items on my credit report. However, my complaint was ignored, and I was wrongfully accused of using a third party to submit it, despite providing my personal information. I want to make it clear that I personally submitted the complaint. If my complaint is disregarded again, I will pursue legal action against the bureaus for violating my rights. Additionally, I demand compensation for the damage they have caused to my life.

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 2025-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
I called all three hard hits that were fraudulently opened or tried to be open in my name on XX/XX/XXXX to have them stopped and the three hard hits on my credit to be removed. I was told by Ally Platinum Mastercard and XXXX XXXX  that there was nothing they could do to help me until the application was completed. Im to call back in a month. XXXX XXXX said they would put a fraud claim in and will contact me by email with further information. I have not heard back from them yet.

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 2025-01-06 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: SC

Complaint narrative:
I am filing this complaint to express my deep disappointment and frustration regarding your company 's lack of response to the compelling evidence I provided through an FTC affidavit. In that correspondence, I requested TRANSUNION to conduct an investigation to authenticate a disputed account. I highlighted that this account potentially contained inaccuracies and should not be on my consumer report. While an " investigation '' was carried out, I must bring attention to a significant issue that has arisen. I received a letter stating that the creditor confirmed the accuracy of the accounts.It seems improbable that this creditor, managing millions of accounts across various bureaus, would take the time to verify this specific account unless prompted by TRANSUNION. I strongly believe that TRANSUNION employed delaying tactics against me in processing this investigation. Let me be clear : such behavior not only constitutes a stalling tactic but also violates the Fair Credit Reporting Act ( FCRA ) by neglecting to address my dispute request. The initial request for investigation was solely initiated by me, with valid reasons to believe inaccuracies existed on my credit report and without involvement from any third-party agency. It appears TRANSUNION intentionally disregarded my request for a thorough investigation.Therefore, this complaint serves as a formal notice demanding TRANSUNION to provide a detailed outline of your verification procedures within 30 days for the specified accounts below. Failure to comply will leave me no option but to pursue legal action against your company. Please investigate and remove it from 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 2025-01-06 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: CA

Complaint narrative:
The persistent presence of fraudulent, inaccurate, and misleading information on my consumer report continues to wreak havoc on my financial and emotional wellbeing, despite my repeated efforts to address these unauthorized entries. As a victim of identity theft, I never authorized or consented to these items being associated with my name, yet their continued presence has created an overwhelming burden of stress and anxiety that affects every aspect of my daily life. The psychological impact of watching these fraudulent entries damage my credit standing, despite my best efforts to resolve the situation, has become increasingly difficult to bear.

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 2025-01-06 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: MI

Complaint narrative:
On XX/XX/year>, Mohela, my Loan Servicer paid off and discharged all of my loans due to PSLF and TEPSLF. The balance was {$0.00} and paid in full on my credit report. 
Yesterday, I noticed that on my XXXX report the loan balance was back and under XXXX XXXX XXXX XXXX XXXX with a balance of {$140000.00}. The MOHELA name was gone and this name was in its place. I called studentaid.gov and they are showing a XXXX balance as well. I have attached the confirmation that my loans were discharged/forgiven/canceled from the studentaid.gov website. I also spoke with a representative, XXXX, who also said my loan balance was {$0.00} and that I should contact the credit bureau and upload the letter of discharge/forgiveness. 
I did log into MOHELA last night and it said in red " Due to the status of your loan you may not access it via the website. Please call us. '' I did so today, twice, and the respective hold times were 94 minutes and 180 minutes. 
This is an egregious error that has impacted my credit report and ability to make any large purchases etc.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: TN

Complaint narrative:
They transferred the loan to another branch of their company XXXX XXXX XXXX. When they removed it off my credit and caused it to drop my score nearly XXXX points. They keep telling me it will update in 30 days since XX/XX/year> and it hasnt. I reached out to Experian and uploaded the documents needed to show it as an active current loan, but they still haven't marked it as such even though they're investigation is done. This is impacting my credit rating in preventing me from being able to refinance and a better rate. I feel that they're doing this to keep getting the current rate from me that they are.

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 2025-01-06 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: MN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Incorrect Information Mixed Accounts Dear Sir/Madam, I hope this letter finds you well. I am writing to formally dispute certain accounts that have been erroneously reported on my credit report. After reviewing my credit profile, it has come to my attention that some of the accounts listed do not belong to me and appear to be the result of mixed information with another individuals credit file. These incorrect accounts are negatively impacting my credit profile and causing significant issues with my current lenders.

Below are the details of the accounts that appear to be mixed up : XXXX. Account Name : XXXX  XXXX Account Number : XXXX Reason for Dispute : This account does not belong to me and is mixed-up with someone else. 
XXXX. Account Name : XXXX  XXXX Account Number : XXXX Reason for Dispute : This account does not belong to me and is mixed-up with someone else. 
XXXX. Account Name : XXXX  XXXX Account Number : XXXX Reason for Dispute : This account does not belong to me and is mixed-up with someone else. 
XXXX. Account Name : XXXX  XXXX Account Number : XXXX Reason for Dispute : This account does not belong to me and is mixed-up with someone else.

I respectfully request that you investigate this matter and correct my credit file by removing these incorrect accounts. Please confirm that this dispute will be addressed and that the necessary steps will be taken to ensure my credit report reflects only accurate and relevant information. I would appreciate a prompt resolution, as this issue is currently affecting my ability to maintain positive relationships with my lenders.

Please find attached a copy of my credit report highlighting the disputed accounts. If you require any additional information or documentation from me to facilitate your investigation, kindly let me know.

Thank you for your attention to this matter. I look forward to your prompt response and the necessary updates to my credit report.

Your company is not authorized to share any of my personally identifiable information with any creditor or outside agency for which I am disputing. 

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