vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-25 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: MI

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the inaccurate and improperly reported collection account listed under account number XXXX on my credit report. Under 15 U.S. Code 1681o, I am asserting a claim of civil liability for negligent noncompliance with the Fair Credit Reporting Act ( FCRA ) regarding the handling and reporting of this account. 

Upon reviewing my credit report, I have found that XXXX XXXX XXXX has failed to ensure the accuracy and fairness of the information being reported, in violation of the FCRA. Specifically, I believe that : The reported information is inaccurate and/or unverifiable. 
XXXX XXXX XXXX failed to properly investigate my previous disputes, thereby acting negligently. 
The continued reporting of this account is causing financial harm, including damage to my creditworthiness. 
Under the FCRA, you are required to ensure the accuracy and integrity of the information reported to consumer reporting agencies. Your failure to comply with these legal obligations constitutes negligence, making you liable for any actual damages I have suffered as a result of this inaccurate reporting, including but not limited to denied credit applications, increased interest rates, and emotional distress. 

I demand that you immediately cease all reporting of this account to the credit bureaus or provide verifiable proof that this account is valid and was reported in full compliance with the FCRA. If this matter is not resolved promptly, I am prepared to escalate this issue, including seeking legal remedies under 15 U.S.C. 1681o, which allows for recovery of damages and legal fees due to your negligence.

Please respond to this dispute in writing within XXXX  days from the date of this letter. I request that all future communication regarding this matter be in writing. 

Sincerely, 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 2025-02-25 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXXXXXXXXXX  XXXX, XXXX  XXXX INQUIRIES XXXX XXXX  - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX  I - XX/XX/XXXX, XXXX XXXX  SER - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 2025-02-25 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: GA

Complaint narrative:
I am writing to formally address the findings of fraudulent activities conducted in my name, which have resulted in unauthorized accounts and debts being reported under my credit profile. As per my rights under Section 605B of the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate blocking and removal of the fraudulent information from my credit report.

Upon review of my records, I have identified the following fraudulent accounts and debts that do not belong to me and were opened or incurred without my knowledge or consent : XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX These accounts were fraudulently created and have negatively impacted my creditworthiness. I have already submitted an Identity Theft Report to the Federal Trade Commission ( FTC ) and any other necessary authorities to substantiate this claim. I am attaching all supporting documentation, including a copy of my government-issued ID, the FTC Identity Theft Report, and any additional evidence to confirm my identity and innocence in this matter. 
Under the FCRA, I request that these fraudulent accounts be blocked and permanently removed from my credit report. I further request written confirmation once the inaccuracies have been resolved. 
Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to 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 2025-02-25 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 281 SXXXX 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 2025-02-25 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 281 SXXXX 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 2025-02-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC
State: MA

Complaint narrative:
On XXXX separate occasions, XX/XX/XXXX and XX/XX/XXXX, I sent extra payments in the amount of {$XXXX} each by writing principal in the notes section of the check for this new auto loan that was opened early XX/XX/year>. My most recent statement indicates they misplayed them that reduced my current amount owed by {$XXXX}. I then called the company and spoke with a rep ( whose name was XXXX XXXX who confirmed the amounts were posted to income.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: CO

Complaint narrative:
XX/XX/XXXX, I received a notification from Nelnet that my TPD was being reversed due to me taking out XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never lived in XXXX or XXXX or attended this school. I have called Nelnet four times, they have given me four different causes for this issue. They initially told me that it was an error in their system, they told me to contact XXXX XXXXXXXX despite not ever going there and they had no idea. I spoke with XXXX XXXX XXXX XXXX XXXXXXXX and he confirmed that there was NO RECORD of my social being used at the school. The Department of Education and Nelnet have purposely screwed up my account and are sending me down multiple rabbit holes leading nowhere. They continue to put the blame and responsibility on me for this error. They continue to mail me incorrect information and continue to cause emotional distress with this issue. It is not fair nor appropriate. I want to also add that all communication for this has been in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: FL

Complaint narrative:
please update/validate these item that i request to from the past months and still reporting on wrong on my report, i already comply all the needed detail

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: DISCOVER BANK
State: AL

Complaint narrative:
During covid with everything being so expensive and work being limited. I got behind on payments. Then I couldn't access my account for some time because my phone got destroyed. Also the payments was high as they were then with the late fees on top of what I was paying I just cant pay that much at that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Possible Financial Inc
State: TX

Complaint narrative:
I mailed them a letter asking them to remove this from my credit report because it was not mine. All they did was not respond to my email.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 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 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-02-25 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: FL

Complaint narrative:
Im extremely frustrated by the inaccuracies on my report that are unfairly damaging my scores and blocking my opportunities. These errors have caused unnecessary setbacks, higher costs, and lost chancesthings I shouldnt have to deal with because of mistakes that arent mine.

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 2025-02-25 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: EQUIFAX, INC.
State: GA

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint regarding multiple violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by Experian, XXXX, XXXX, and various debt collectors. These violations have negatively impacted my creditworthiness, financial well-being, and consumer rights. Despite my attempts to address these issues, they remain unresolved, necessitating immediate regulatory intervention. 

XXXX. FCRA Violations ( 15 U.S.C. 1681 et seq. ) a. Reporting Inaccuracies ( 15 U.S.C. 1681s-2 ) Several accounts report inconsistent balances, charge-off statuses, and payment histories across different bureaus, including but not limited to : XXXX XXXX XXXX Portfolio XXXX XXXX XXXX XXXX XXXX XXXX XXXX Failure to Investigate Disputes ( 15 U.S.C. 1681i ) The credit bureaus failed to conduct a reasonable reinvestigation into disputed accounts, as required by federal law. 


c. Re-aging of Debt ( 15 U.S.C. 1681c ) Certain collection accounts, including XXXX XXXX XXXX, appear to have new open dates that do not reflect the original default date, unlawfully extending the reporting period. 


d. Duplicate Accounts ( 15 U.S.C. 1681e ( b ) ) Some debts are being reported multiple times under different collection agencies, artificially inflating my total debt burden.

e. Failure to Mark Accounts as Disputed ( 15 U.S.C. 1681s-2 ( a ) ( 3 ) ) Credit bureaus and furnishers have failed to mark disputed accounts as Disputed by Consumer, a direct violation of federal law.

2. FDCPA Violations ( 15 U.S.C. 1692 et seq. ) a. Attempts to Collect Unverified Debt ( 15 U.S.C. 1692g ) Collection agencies, including XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX, have continued collection efforts without providing proper validation of the debts upon request. 


b. Harassment and Misrepresentation ( 15 U.S.C. 1692d, 1692e ) Some collectors have engaged in misleading and aggressive collection practices, including falsely implying legal consequences.

c. Reporting of Time-Barred Debt ( 15 U.S.C. 1692f ) Certain debts, such as XXXX XXXX XXXX and XXXXXXXX XXXX may be past the statute of limitations, meaning they should not be pursued for collection or reported. 


d. Failure to Identify Debt Ownership ( 15 U.S.C. 1692g ( b ) ) Some collection accounts do not clearly identify the original creditor, violating my right to proper debt validation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint regarding multiple violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by Experian, XXXX, XXXX, and various debt collectors. These violations have negatively impacted my creditworthiness, financial well-being, and consumer rights. Despite my attempts to address these issues, they remain unresolved, necessitating immediate regulatory intervention. 

XXXX. FCRA Violations ( 15 U.S.C. 1681 et seq. ) a. Reporting Inaccuracies ( 15 U.S.C. 1681s-2 ) Several accounts report inconsistent balances, charge-off statuses, and payment histories across different bureaus, including but not limited to : XXXX XXXX XXXX Portfolio XXXX XXXX XXXX XXXX XXXX XXXX XXXX Failure to Investigate Disputes ( 15 U.S.C. 1681i ) The credit bureaus failed to conduct a reasonable reinvestigation into disputed accounts, as required by federal law. 


c. Re-aging of Debt ( 15 U.S.C. 1681c ) Certain collection accounts, including XXXX XXXX XXXX, appear to have new open dates that do not reflect the original default date, unlawfully extending the reporting period. 


d. Duplicate Accounts ( 15 U.S.C. 1681e ( b ) ) Some debts are being reported multiple times under different collection agencies, artificially inflating my total debt burden.

e. Failure to Mark Accounts as Disputed ( 15 U.S.C. 1681s-2 ( a ) ( 3 ) ) Credit bureaus and furnishers have failed to mark disputed accounts as Disputed by Consumer, a direct violation of federal law.

2. FDCPA Violations ( 15 U.S.C. 1692 et seq. ) a. Attempts to Collect Unverified Debt ( 15 U.S.C. 1692g ) Collection agencies, including XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX, have continued collection efforts without providing proper validation of the debts upon request. 


b. Harassment and Misrepresentation ( 15 U.S.C. 1692d, 1692e ) Some collectors have engaged in misleading and aggressive collection practices, including falsely implying legal consequences.

c. Reporting of Time-Barred Debt ( 15 U.S.C. 1692f ) Certain debts, such as XXXX XXXX XXXX and XXXXXXXX XXXX may be past the statute of limitations, meaning they should not be pursued for collection or reported. 


d. Failure to Identify Debt Ownership ( 15 U.S.C. 1692g ( b ) ) Some collection accounts do not clearly identify the original creditor, violating my right to proper debt validation

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 2025-02-25 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: TX

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX - XX/XX/year> XXXX/XXXX  - XX/XX/year> XXXX/XXXX - XX/XX/year> XXXX  XXXX XXXX  - XX/XX/year> XXXX - XX/XX/year> XXXX  XXXX  XXXX - XX/XX/year> XXXX XXXX  XXXX  - XX/XX/year> XXXX XXXX  - XX/XX/year> XXXX  - XX/XX/year> XXXX XXXX  - XX/XX/year> XXXX  - XX/XX/year> XXXX XXXX XX/XX/year> The following inquiries were not and should not be reporting.

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 2025-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: N26 Inc.
State: UT

Complaint narrative:
N26 left the US market and closed all accounts. They were supposed to issue refund checks for the remaining balance but I never received one. A few years later XXXX contacted me about the unclaimed property. I filled out all forms and was told I would receive the check 8-12 weeks from the beginning of XXXX. When I didnt, I contacted XXXX and they said they were talking to XXXX XXXX  who was the holding bank. They claim they dont have any record of my info, despite obviously providing it to XXXX. All people now direct me to the others in getting this resolved. Its over {$500.00} they are just withholding from 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 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Equifax is inaccurately reporting personal information even though I had filed a complaint to remove these inaccurate addresses and employers that do not belong to me. This is a direct violation of my consumer rights and the FCRA. I have uploaded a copy of my Drivers License for identification/address purposes, SS card and a copy of your inaccurate credit report to this complaint.

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