vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-10 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 need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have written Experian, Equifax, Transunion and XXXX XXXX Several Times. This account has been in error after writing them time and time again. It is over 90 Days and after XXXX attempts of asking them to correct the errors I always get a letter back saying the account has been validated. This is against my rights as a consumer to have a correct credit report. 

This account is in error : XXXXXXXX XXXX  XXXX XXXX ) Shows Last Verified by XXXX XXXX XXXX XX/XX/XXXX, Experian Not Reported and Equifax Not Reported. 
XXXX ) Shows XXXX by TransUnion on XX/XX/XXXX and Exp and Equi on XX/XX/XXXX XXXX ) Shows Date Reported by Trans Union on XX/XX/XXXX, Exp on XX/XX/XXXX and Equ on XX/XX/XXXX XXXX ) Last Payment shows Transunion on XX/XX/XXXX, Experian on XX/XX/XXXX and Equifax on XX/XX/XXXX How can all 3 credit bureaus be reporting different information. This is wrong and illegal especially after I have informed them several times of the mistakes and yet it still shows wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have written Experian, Equifax, Transunion and XXXX XXXX Several Times. This account has been in error after writing them time and time again. It is over 90 Days and after XXXX attempts of asking them to correct the errors I always get a letter back saying the account has been validated. This is against my rights as a consumer to have a correct credit report. 

This account is in error : XXXXXXXX XXXX  XXXX XXXX ) Shows Last Verified by XXXX XXXX XXXX XX/XX/XXXX, Experian Not Reported and Equifax Not Reported. 
XXXX ) Shows XXXX by TransUnion on XX/XX/XXXX and Exp and Equi on XX/XX/XXXX XXXX ) Shows Date Reported by Trans Union on XX/XX/XXXX, Exp on XX/XX/XXXX and Equ on XX/XX/XXXX XXXX ) Last Payment shows Transunion on XX/XX/XXXX, Experian on XX/XX/XXXX and Equifax on XX/XX/XXXX How can all 3 credit bureaus be reporting different information. This is wrong and illegal especially after I have informed them several times of the mistakes and yet it still shows wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 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: AL

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 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: AL

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: OK

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX To : Transworld Systems Inc XXXX XXXX XXXX XXXX, XXXX  XXXX RE : Cease and Desist Request - Violation of Fair Debt Collection Practices Act Dear Sir/Madam, I am writing to formally request that TransWorld Systems Inc immediately cease and desist all communications with me, in accordance with the provisions of the Fair Debt Collection Practice Act ( FDCPA ) specifically under 15 USC 1692cc. 

1. 15 USC 1692d : Harassment or Abuse I believe that your company 's actions may constitute harassment, or abuse is violation of the FDCPA. under this section, debt collections are prohibited from engaging in conduct that is intended to harass, oppress, or abuse consumer. This includes threats of violence use of obscene language repeated calls after I have requested you to cease contact. If such conduct has occurred. I request immediate cessation. 

2. 15 USC 1692cc : Communication in connection with Debt Collection - Under this provision, I am entitled to request that you cease all communications regarding any debts in question. I am hereby exercising my right to request that you stop contacting me through any means, including but not limited to telephone calls, letters, and emails. As per 1692 cc, your company is required to comply with this request and may only contact if legally obligated to do so under the Act. 

If your company continues to contact me after this notice, it will be considered a violation of federal law. and I will not hesitate to pursue all legal remedies available, including filing complaints with the Federal Trade Commission ( FTC ), and the Illinois Attorney General 's office. Additionally, I may consider pursuing a civil suit for damages caused by thes unlawful actions. 

written confirmation that my request has been processed and that no further communication will take place. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX Last 4 of social security XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: OH

Complaint narrative:
I have been a victim of identity theft, and part of the XXXX Equifax breach and the XXXX data breach. I have noticed some unauthorized accounts on my credit reports that I did not benefit from. The collections accounts listed on my credit reports are inaccurate, fraudulent, and unauthorized. Whatever agreements I had with the original creditors, were with them. I have no obligations or contracts with the collections listed on my credit report, so I need them removed IMMEDIATELY!! I also need all late payments removed, as I have been making all payments on all accounts, ON TIME. I experienced some hardship over the past year with loss of a job and inflation, so I also need those removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAINE & WEINER COMPANY, INC.
State: NC

Complaint narrative:
I previously filed a complaint with this company, and they stated that they supplied me with the information that I requested. I went back to my past dispute, and the response that they provided was to delete from my card report. I am not understanding how they were able to reapply this to my report. I am now seeking financial compensation in the amount of {$10000.00}. I have not received anything that was requested to verify this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I just so happen to check my credit report and I have a negative balance I am unaware of on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: AL

Complaint narrative:
I am writing to formally request the discharge of my student loan debt due to a significant breach of my personal and financial information, which occurred without my authorization. Under the Privacy Act of 1974, The Higher Education Act, and the Family Educational Rights and Privacy Act ( FERPA ), my student records are legally protected, and your institution has a duty to safeguard this information.

This breach constitutes a clear and serious violation of these federal protections, exposing me to financial harm, identity theft, and other consequences beyond my control. As the responsible party, it is your legal and ethical obligation to rectify the situation and mitigate the damages caused by this failure to protect my private data.

Given the severity of this breach and the direct impact on my financial security, I am formally requesting that my student loan debt be discharged in full as an appropriate remedy for this violation. Additionally, I request written confirmation of the steps being taken to address this breach and ensure compliance with federal laws in protecting borrower information. 
Please consider this matter with the utmost urgency. I expect a prompt written response detailing the actions you will take regarding my request for loan forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Omega RMS, LLC
State: NE

Complaint narrative:
it was in XXXX XXXX I saw on my credit report that I have a collection. I call the company to provide my the debt validation letter since then they do not provide any information. And at the start of this tax season I called them to have my 1099-C but they can not also provide that to me and they're bounced me around between the original creditor and the collection agency and none of them can not provide any information according that. Therefore I need that collection remove from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: TX

Complaint narrative:
I am contacting the credit bureau regarding the account, XXXX XXXX XXXX. It appears the account was recently reported as a Closed Account with Negative Remarks. Again your agency is in violation with FCRA and possibly FDCPA. A company can not lie about line items and you all certainly can not report without my knowledge of alleged debt. This has been a harm to my credit as you refuse to remove the account. It is not validated and you all have NOT provide proof of the debt. Please advise a data furnisher does not suffice! I am disgruntled and this investigation has been going on far too long! 

You are well over the XXXX  day window as I have made several complaints and your company surely will be sued without proper removal.I want the debt removed immediately as it is a violation of my FCRA rights to report inaccurate information OR to lie about charges. Remove the debt immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: TX

Complaint narrative:
I am contacting the credit bureau regarding the account, XXXX XXXX XXXX. It appears the account was recently reported as a Closed Account with Negative Remarks. Again your agency is in violation with FCRA and possibly FDCPA. A company can not lie about line items and you all certainly can not report without my knowledge of alleged debt. This has been a harm to my credit as you refuse to remove the account. It is not validated and you all have NOT provide proof of the debt. Please advise a data furnisher does not suffice! I am disgruntled and this investigation has been going on far too long! 

You are well over the XXXX  day window as I have made several complaints and your company surely will be sued without proper removal.I want the debt removed immediately as it is a violation of my FCRA rights to report inaccurate information OR to lie about charges. Remove the debt immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: MI

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am contacting the credit bureau regarding the account, XXXX XXXX XXXX. It appears the account was recently reported as a Closed Account with Negative Remarks. Again your agency is in violation with FCRA and possibly FDCPA. A company can not lie about line items and you all certainly can not report without my knowledge of alleged debt. This has been a harm to my credit as you refuse to remove the account. It is not validated and you all have NOT provide proof of the debt. Please advise a data furnisher does not suffice! I am disgruntled and this investigation has been going on far too long! 

You are well over the XXXX  day window as I have made several complaints and your company surely will be sued without proper removal.I want the debt removed immediately as it is a violation of my FCRA rights to report inaccurate information OR to lie about charges. Remove the debt immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: IL

Complaint narrative:
On XX/XX/year> I was drugged and robbed of my phone while travelling outside the XXXX. They were able to access my XXXX account and steal/ make trades on my account leave a - {$XXXX} and stole my entire portfolio worth roughly {$XXXX}. I promptly contacted the company late XXXX to resolve the dispute and refund me the entire balance on the account, they refused saying their investigation said it was my fault. I am out now the entire portfolio, you can see the entire bank account and brokerage account have been zeroed out and are now in deficit. I promptly informed them my account was compromised late XXXX yet these transactions all posted. I was arguing with them all week long and was constantly put on hold, avoided discussions with me and more. All my other banks recognized the fraud and unauthorized transactions and refunded me. Only XXXX informed me XX/XX/XXXX that : " The review of your case concluded that the activity in your account was not eligible for reimbursement under our guidelines. 

Therefore, no reimbursement will be made on your account. '' After multiple emails and calls and changes to their timeframe they would get back to me. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: MI

Complaint narrative:
I, XXXX XXXX am a victim of identity theft, request removal and deletion of the listed fraudulent accounts on my XXXX and Experian credit report : XXXX XXXX XXXX XXXX, ACCOUNT XXXX OPEN DATE : XX/XX/XXXX, XXXX XXXX XXXX XXXX ACCOUNT XXXX, OPEN DATE : XX/XX/XXXX, XXXX XXXX ACCOUNT XXXX OPEN DATE : XX/XX/XXXX, XXXX, ACCOUNT XXXX, OPEN DATE : XX/XX/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 2025-02-10 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX/XXXX  Account number : XXXX Account name : XXXX  XXXX Account number : XXXXXXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX  XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity 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