vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-17 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: CA

Complaint narrative:
under 15usc 1681 i a-6 b-3 challenges the investigation protocol. i never gave XXXX XXXX  any authorization to run my credit nor i received anything from XXXX XXXX so i want this inquiry off my credit report immediately under law 15 us 1681 it has to be deleted

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 2025-04-17 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume 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 2025-04-17 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: MS

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 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 2025-04-17 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: OH

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: OH

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

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

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 2025-04-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: Harris & Harris, Ltd.
State: CA

Complaint narrative:
I received a text to my cell phone and it stated and I quote - " Welcome! You will now receive texts from Harris & Harris, a Debt Collector on behalf of XXXX  # OfMsgsVaries Msg & DataRatesMay- Apply XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX To XXXX reply STOP '' I transcribed this exactly as it appears on my phone. We checked out XXXX  account and we have a XXXX balance. My husband has the account in his name, I am on it as a second line. I am not going to be contacting any of the links or phone numbers on this text, and per some research it happens often. I want this noted so that others do not fall victim. It is out of control how many scams are out there.

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 2025-04-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I got a Hard Inquire from Transunion by a company XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, NJ XXXX phone number XXXX I don't have business to do with them and i didn't give them authorization to pull my credit. 
I try to contact them multiple time but they hangs up on me without communication. 
Then I send them message on their website contact form but no response.

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 2025-04-17 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: MO

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am filing a complaint against Midland Credit XXXX  ( MCM ) regarding the inaccurate reporting of a debt on my credit report. The account is listed on my credit reports with XXXX XXXX and XXXX  and there are multiple discrepancies in how it is reported. 
Inconsistent Reporting Across Credit Bureaus : The Date of Last Activity is reported as XX/XX/year> on XXXX, while XXXX  and XXXX  show conflicting dates for account opening. This inconsistency makes it difficult to accurately assess the account. The dispute status is reported differently across the bureaus, including " Account Disputed '' on XXXX, " Account Not Disputed '' on XXXX, and " Customer Disputed Account '' on XXXX, which violates credit reporting guidelines.The account status and payment status also vary. XXXX  lists it as " 120 Days Late '', while XXXX  and XXXX  show it as a " Collection/Chargeoff ''. These variations make it unclear how this account should be reported. Failure to Provide Debt Validation : Despite multiple requests, Midland Credit XXXX  has failed to provide proper validation of this debt, including proof of the original creditor and the amount owed. This is a violation of the Fair Debt Collection Practices Act ( FDCPA ), which requires them to substantiate the debt they are attempting to collect. The inaccuracies in reporting have negatively impacted my credit report, and I am requesting that Midland Credit XXXX be investigated for these violations. If they can not provide proof of the debt, I request that the account be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I received 3 separate calls that came up on my phone as XXXX XXXX, XXXX and Chase. Here are the numbers I got fraudulent calls from : XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX Chase ( XXXX ) XXXX Chase ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX  XXXX The fake Chase number informed me my social security no. was stolen and he gave me my full social security number along with my names and lists of all of my credit card full numbers and balances due. They said someone TRIED to make charges on my XXXX and was not able to. They told me all 3 of the credit cards had to be closed completely, not just a new card issued. They then transferred me to who they said was the Consumer Financial Protection Bureau and even gave me specific information Badge no XXXX Cancellation # XXXX Case No. XXXX They told me they needed my mother 's maiden name to be sure it was me and I stupidly gave it to them. They told me I had to do a credit consolidation reducing my full balance of over {$21000.00} to {$13000.00} and their fee was {$9000.00} which was already included in the {$13000.00}. They wanted to charge it on my XXXX XXXX XXXXXXXX card. When I saw the alert on my phone from XXXX XXXX  XXXX asking me if I approved the {$9000.00} I denied it and thankfully was not charged. Since I hung up on them they have been trying to call me non-stop. No charges were made on my credit cards but they have my name, ss #, address, phone number and mother 's maiden name. I have alerted my credit cards of what went on. Please help me. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: NV

Complaint narrative:
sent letter for verification and removal as court stated they did not provide them with the information on my credit file

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 2025-04-17 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: IN

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 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 2025-04-17 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: IN

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 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 2025-04-17 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: VA

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 2025-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My credit report shows collection accounts that I believe include inaccurate information. Under my rights as outlined in 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a fully accurate report. I am asking for a review of these entries, and if they can not be confirmed as accurate, they 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 explanation
Consumer complaint received 2025-04-17 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: FL

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-04-17 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: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

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 2025-04-17 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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

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 2025-04-17 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: AZ

Complaint narrative:
I've noticed that my credit report contains incorrect personal information, which has led to an unfamiliar and inaccurate account showing up under my name. I am a victim of identity theftsomeone used my personal information without my knowledge or consent, and now Im dealing with the aftermath. I followed proper procedure and filed an FTC report as advised by Equifax, yet the fraudulent account is still present on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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 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 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 2025-04-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Solar Mosaic LLC
State: NY

Complaint narrative:
XXXX XXXX provided two loans to me to install solar panels on my roof in XX/XX/year>. One loan had monthly payments starting immediately, which I've been making on time each month, even though the solar power took additional time to be turned on. 
The second loan had no payments due for 18 months, with a lump sum payback of {$23000.00} due at the end of the 18 months. I did not receive any correspondence via mail or email about the payment coming due. I also did not receive any notice that there would be punitive actions taken if payment wasn't made by a specific date. 
All I got were generic text messages that said " This is a friendly reminder that your promotional period is ending soon ''. There was no loan number referenced, no amount reference, no date referenced. 
I realized at the beginning of XXXX that the payment of {$23000.00} was due on XX/XX/XXXX so I sent it in on XX/XX/XXXX and called Mosaic to explain that I had missed the payment date by mistake, expecting that there would be a small late fee or interest charge. Instead, i was told that there was an accrued interest fee of {$4400.00} that I would now be responsible for and that it was non negotiable even though I had missed their grace period by just a few days ( I never received any communication during that grace period that my payment was late and that the grace period was running out ). 
It became clear to me that Mosaic 's goal is for customers to miss that deadline so that they could hammer them with these accrued fees. I canceled my payment of {$23000.00} to them and let them know that I wouldn't be paying anything further until they waived this punitive fee. 
Company has refused to engage and intends to send my case to collections and turn off my solar power.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
On XX/XX/XXXX I received a collection notice on my credit from XXXX XXXX XXXX stating I had an outstanding balance of {$3200.00} the original creditor was XXXX XXXX XXXX XXXX and they sold the collection to XXXX XXXX XXXX for a private student loan that I allegedly took out on XX/XX/XXXX for XXXX  XXXX. I never took out a personal loan for anyone I only had one loan through XXXX/ the Department of education. When I contacted XXXX XXXX XXXX I told them this was fraud and they said they had nothing to do with that they only handling collections. I tried to contact XXXX XXXX but they are closed for good. This is fraud Im already going throughout a school closure issue because the school provided false information stating I graduated and I didnt this school has been nothing but a nightmare I need this fraudulent collection taken away.

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 2025-04-17 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: CA

Complaint narrative:
I am a co-signer on a student loan with XXXXMERITIZE FINA. On my credit report it shows that payments made in XXXX and XXXX of XXXX were more then 60 days late, and payments from XXXX and XXXX of XXXX were also 60 days late. I have shown them proof where the payments were not more then 60 days late and the company continues to keep updating my credit as current and then weeks later they will go back in change those months to being 60 days late, so my credit keep fluctuating. I would like to have proof of these payments being 60 days late but they will not show me proof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation