vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Called several times and found out someone has XXXX and XXXX hooked up to me and found out XXXX XXXX and XXXX XXXX  with XXXX and three others are doing a different type of underwriting someone else has been me and my mother for years with that being said my whole family was duplicated as far as files go except some is living a lavish life and se did not through the years many reports were made on someone else doing things wrong but they got the mortgage and they car they got everything then someone cashed my mom 's life insurance e and took the remainder of what the house worth and signed my name insurance says my writing and is not I was in XXXX T the time there's more XXXX money and social security to ok ing to 7 different XXXX XXXX but they are using my records they are woking on one since birth and I'm XXXX and my XXXX. Cousin and my other cousin even went as far as hiding my XXXX XXXX and they are XXXX XXXX and XXXX I'm unclear what her married names pay XXXX I have a pertinant restraining order with or anyone acting in concert two separate orders but in one I'm tired of this and something needs to be done

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: CO

Complaint narrative:
I have been trying to change my loan repayment plan since XX/XX/XXXX. I initially applied for the XXXX plan and did not receive any updates from Ed Financial regarding this application. In XXXX when PAYE became available I submitted another application for this program. I did not hear anything from Ed Financial until I called XX/XX/XXXX and was told the application was on hold because of missing financial information. I had not been notified there was missing information until I called. I submitted the requested information that same day. I called on XX/XX/XXXX to see if I had been placed in processing forbearance and the representative told me that I was getting PSLF credit for all of this time. After looking further into the matter I determined that this was likely not true and called back today ( XX/XX/XXXX ) and was told that I remain in general forbearance and that Ed Financial has 66 days to process my application and will not be changing me from general to processing forbearance. I don't understand how I don't qualify for processing forbearance that will count towards PSLF as I have been waiting for 4 months. 

I have been trying to restart payments since XX/XX/XXXX, all I am asking to do is give them money and get PSLF credit and I am not making any headway. I also should be in a processing forbearance as I have been applying for repayment for 4 months. Please help me get into processing forbearance and back on a qualifying repayment plan

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: NY

Complaint narrative:
I am submitting this dispute regarding late payment records on my credit report, which I strongly believe are incorrect and potentially linked to a data breach : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$3300.00} These records do not reflect my actual payment history, yet despite my repeated efforts to correct themproviding documentation and following up diligentlyno changes have been made. This ongoing issue has hurt my credit standing and caused unnecessary frustration. 

The Fair Credit Reporting Act ( FCRA ) guarantees my right to an accurate credit report. Any incorrect, outdated, or misleading information should be updated or removed immediately. I urge you to take swift action to rectify these errors. 

Given the impact on my financial health, I ask that this issue be prioritized. I look forward to a timely resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: IL

Complaint narrative:
XXXX. XXXX XXXX XXXX has a {$0.00} balance. my account number is XXXX. 
Please remove this off my credit immediately. They stated on a recorded line that this will be removed once paid. Remove this immediately. 

XXXX. Comenity bank sold the debt to XXXX. XXXX XXXX  violated the Fair Credit Reporting Act ( FCRA ) by continuing to report inaccurate information about this account to the credit bureaus even after the debt was sold to a third-party debt collector. This charge off account can not be reported to my credit profile, please send a XXXX form. IF this can't be sent, by law this must be removed XXXX. Creditor : XXXX Account XXXX : XXXX I have submitted multiple complaints asking for documentation and verification for this debt and i was never provided proof of this debt. I provided the credit bureaus as well as worldmark proof that my name can not be found in the timeshare database. 
According to the FCRA, any information reported to the credit bureaus must be accurate and verifiable. If my name does not appear in your internal database and there is no record of my involvement with the timeshare, there is no justification for this account to be reported to the credit bureaus as an outstanding debt or obligation. 

By continuing to report inaccurate information, XXXX by XXXX is causing harm to my credit profile and is in direct violation of the FCRAs requirement for accurate credit reporting. 

I demand that you immediately correct this error by removing any references to this account from all credit reporting agencies within these 15 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 explanation
Consumer complaint received 2025-02-14 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: GA

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-02-14 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: GA

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-02-14 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: GA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-02-14 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: GA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-02-14 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 2025-02-14 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-02-14 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: MI

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are XXXX collections on my Experian credit report that should not be there. I have contacted the company and informed them that these were charged off accounts and that the dated that the accounts were wrong and what was reported to the credit reporting company was wrong. I also disputed this information with all three agencies, which XXXX XXXX and XXXX removed them, but Experian refuse to remove them and now they have blocked me from ever disputing them again. Every time my credit starts to rise on Experian the find something to drop my score. I joined their credit boost and just today they dropped my XXXX score by XXXX points claiming a bill dropped off my payment because it was removed even though my account stated that the subscription was paid, and there is no way to dispute it or contact them to dispute it. Experian is the only company that have been dropping my score for the littlest thing several time a month and who is always trying to get me to buy their products to try and boost my XXXX XXXX and I feel like that is because they are the credit reporting agency most used in the state that I live in. I just want them to remove the XXXX collections that should not be on my account. My XXXX score is XXXX, My XXXX score is XXXX and my Experian is XXXX jus because of those XXXX collection items on my Experian report. Also I keep disputing that my first name is wrong and some of the addresses that's on my credit report do not belong to me and the have refuse to correct it.

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 2025-02-14 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: TX

Complaint narrative:
KINDLY HELP ME. I'M GETTING STRESSED UP EVERY TIME I SEE THESE FRAUDULENT BANKRUPTCY RECORD. I WANT THESE TO BE PERMANENTLY REMOVED OFF 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 2025-02-14 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: MI

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-02-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
To whom it may concern I am requesting that your company discontinue its efforts to collect on the above account. By law you should not continue to collect on a fraudulent account, that I have filed a police report, FTC Report and CFPB REPORT .This is a fraud account that I did not authorize, Ive been Receiving EMAILS AND MAIL FROM THIS COMPANY Account number : Ending in XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX 
Current Owner : LVNV Funding LLC Resurgent ID : XXXX Current Balance : {$320.00} 1681c - Blocking of information resulting from identity theft ( a ) except as otherwise provided in this section a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 2 ) a copy of identity Theft report. Ive attached a active police report this is not my account and was not open by me ( e ) exception for verification company section ( a ) states a check service company shall not report to a national consumer reporting agency described in section 1681a a company shall not report to a nation consumer agency if any information identified in subject identity theft report as resulting from identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
I sent a debt validation letter to Portfolio Recovery Associates on XX/XX/2025 that consisted of a request for debt validation. It also told them to stop calling me and to put all communication in writing through the mail. I am waiting for the return signature card to come back to me in the mail, but it was picked up at the XXXX XXXX in XXXX, VA at XXXX XXXX  on XX/XX/2025 and signed for by an individual. Portfolio Recovery Associates has called my cell phone since the letter was signed for on : XX/XX/2025 at XXXX XXXX XXXX XXXX XXXX XXXX I answered the phone on XX/XX/2025 and told the person that I had sent out a debt validation letter and it was signed for days before and that it stated to not call me. He then tried to verify personal information. I told him I would not verify anything other than my name because they were told not to call me and that there was currently a debt validation dispute in process. He continued and I told him that by them calling me, it was a violation of the FDCPA and the TCPA because they currently DO NOT have consent to call me after receiving in writing to stop calling me. I told him any further phone calls would be more XXXX violations and that I was going to file a complaint with the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Bought a new car, the dealership was supposed to pay of the loan on my current car. Dealership waited too long to pay. Now I have a delinquent account because the loan was paid late by the dealership.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
I have had a debt buyer LVNV Funding add a collection from XXXX XXXX XXXX XXXX report this to XXXX  as a collection but this same collection I added to my FTC report for one of the accounts that was created from identity theft that was blocked from my report adding again same account different debt collector And after I called these people on of there staff told me that because I didn't add the account number on the FTC report that that means it's not that account. After looking over the FTC report that is correct but everything else shows that it was and there trying to use a technicality on my part as a way to bring this account back in the hopes of getting money which will never happen ever! XXXX reports this and they know better than anyone that the account i was referencing on my FTC report is this very account but yet they report it still. I don't know the law to well but I thought after and account was blocked that it was not to be resold to the next debt buyer to continue to damage your reputation and your credit report all over again. Why is this allowed to happen why are these debt buyers not held accountable for finding a back door way to under mind the law they know the account that I brought forward to the FTC to have it removed is the same account they have added to my report again as delinquent and XXXX should have vetted that information to know that it was just blocked for identity theft but they are reporting a crime made against me as my debt it's heart breaking.

Company response to consumer: Closed with non-monetary relief