vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-10 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: CA

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 2025-03-10 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: CA

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 2025-03-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: OH

Complaint narrative:
I was first contacted in the beginning of XXXX about a refund I am owed from Nelnet my loan servicer for XXXX XXXX that was involved in fraudulent activity.was sued for its actions.and was ordered to repay the students.i was given a time of 90 days to allow processing and 15 days for mail or issuance.but I have been denied to speak to manager or supervisor with more knowledge of situation.denied any access to account.i was told there was no record of my prior contacts to them 90 days later still no knowledge of anything moving.or happening with my refund.that I am owed by law.my right.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Transfinancial Companies, Inc
State: FL

Complaint narrative:
transfinancial company. \ XXXX XXXX XXXX XXXX amount account XXXX THIS IS FRAUD I HAVE ATTACHED A POLICE REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Corp Solutions Inc.
State: FL

Complaint narrative:
XXXXredit Corp Solutions , Inc. is attempting to collect an alleged debt without permissible purpose or verifiable proof, violating the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). The debt in question is allegedly from XXXXXXXX XXXX XXXX XXXX XXXX, associated with account number XXXX, with a claimed balance of {$1600.00}. There is no evidence that I owe this debt, yet Credit Corp Solutions , Inc. has made no effort to ensure maximum possible accuracy, demonstrating willful non-compliance with federal law and a reckless disregard for my consumer rights. I am formally disputing this debt and demanding immediate validation. If Credit Corp Solutions , Inc. claims that this debt is valid, it must provide legally binding proof of its enforceability against me, including a complete breakdown of the balance, documented proof of ownership showing the legal right to collect, and a full payment history from the original creditor. Without such documentation, there is no basis for collection efforts or for associating my name with this account. If no valid proof can be provided, Credit Corp Solutions , Inc. must immediately confirm in writing that all collection attempts will cease and that my personal information will be permanently disassociated from this account. Any further attempts to collect this debt without verification constitute a direct violation of federal law. Additionally, under 15 U.S.C. 1692c ( c ), I demand that Credit Corp Solutions , Inc. cease all communication with me unless it is to provide the legally required validation. Any continued attempts to collect without proper documentation will be considered willful misconduct, subject to penalties of up to {$1000.00} per violation. This is not a requestit is a formal legal demand that requires immediate action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Late payment 15 USC 1681 ( 2xi ) 15 USC 1666b 12 FCT- CFRA 1026.13 Billing Error Resolution Collections : 15 USC 1692c.15 USC 1681 ( e ) b 15 USC 1692g Charge offs:15 USC 1635. 15 USC 1692 Evictions : 15 USC 1637 ( 2 ) 9 ) A 15 USC 1681.15 USC 1681e ( b 15 USC 1681s-2a Contact the bureaus and ask to get a thorough investigation. Due to me being a victim of identity theft, they completely ignore my report I XXXX XXXX XXXX is dispute the denal from XXXX XXXX on code Law 15U.S.C1692 and 12CFR 1002 denial in violation Law credit score on credit based do to Law I XXXX XXXX XXXXs requesting reverse decision on my application I put in on the property management company went through your processing software. 

Dispute letter, XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-03-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Late payment 15 USC 1681 ( 2xi ) 15 USC 1666b 12 FCT- CFRA 1026.13 Billing Error Resolution Collections : 15 USC 1692c.15 USC 1681 ( e ) b 15 USC 1692g Charge offs:15 USC 1635. 15 USC 1692 Evictions : 15 USC 1637 ( 2 ) 9 ) A 15 USC 1681.15 USC 1681e ( b 15 USC 1681s-2a Contact the bureaus and ask to get a thorough investigation. Due to me being a victim of identity theft, they completely ignore my report I XXXX XXXX XXXX is dispute the denal from XXXX XXXX on code Law 15U.S.C1692 and 12CFR 1002 denial in violation Law credit score on credit based do to Law I XXXX XXXX XXXXs requesting reverse decision on my application I put in on the property management company went through your processing software. 

Dispute letter, XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-03-10 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: FL

Complaint narrative:
I was informed that my information was included in a data breach and when I went to check my credit I noticed that I had XXXX collections showing my my credit that are not mine and filed a FTC report along with this under CFPB. I contacted XXXX credit and was told the account is with XXXX XXXX. Once I called them I was told to call account Support at ( XXXX ) XXXX. I informed them I was a victim on identity theft and was told the account would be removed. Unfortunately to this date it is still showing on my direct file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: LA

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 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 2025-03-10 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:
To Whom It May Concern, I am writing to formally dispute multiple inaccurate and fraudulent items appearing on my Equifax credit report. This is my third attempt to resolve these issues, and I demand immediate corrective action. 

Incorrect Personal Information : Previous Address : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX ( This address is incorrect, please remove it. ) Identity Theft Incorrect Bankruptcy Filing : XXXX XXXX Bankruptcy Case Number : XXXX This bankruptcy is not mine and must be removed immediately. 

Unauthorized Accounts Not Mine : XXXX Account Number : XXXX ( This account is fraudulent and must be removed. ) XXXX Account XXXX : XXXX ( This account is not mine and must be removed. ) XXXX XXXXXXXX XXXX Account Number : XXXX ( This account does not belong to me. ) XXXX Account Number : XXXX ( This is not my account, please remove it. ) XXXX Account Number : XXXX ( This account is fraudulent and should be deleted. ) XXXX XXXX Account Number : XXXX ( I do not recognize this account. Please remove it. ) XXXX XXXX Account Number : XXXX ( This account does not belong to me and must be removed. ) XXXX Account Number : XXXX ( This account is fraudulent and should be removed. ) Legal Violations Under the Fair Credit Reporting Act ( FCRA ) : FCRA Section 609 ( a ) ( 1 ) : I have the right to request proof that these accounts and bankruptcy are mine.

FCRA Section 611 ( a ) : If Equifax can not verify the accuracy of these accounts with proper documentation from the original creditors, they must be removed immediately.

FCRA Section 623 ( a ) ( 1 ) ( A ) : Information providers must report complete and accurate information. Failing to do so violates this rule. 

Required Actions ( Within 30 Days ) : Immediately delete all the disputed accounts and bankruptcy from my credit report if they can not be verified with proper documentation. 

Provide me with a copy of the verification documents for each disputed item. 

Update my credit report accordingly and send me a new, corrected copy upon completion. 

Failure to comply with this request will result in me escalating this matter to the Consumer Financial Protection Bureau ( CFPB ) and possibly seeking legal action for damages caused by this inaccurate and fraudulent reporting. 

Please treat this as an urgent matter and respond within the legally required timeframe. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing a complaint against TransUnion for reporting inaccurate and inconsistent late payment information regarding my account with XXXX XXXX XXXX XXXX ( Account : XXXX ). The late payment is reported as 60 days late on XXXX, but only 30 days late on both TransUnion and XXXX for the same period ( XX/XX/year> ). This inconsistency violates the Fair Credit Reporting Act ( FCRA ), Florida Consumer Protection Laws, and court precedents, including XXXX XXXX TransUnion. 

Despite previous disputes, TransUnion has failed to correct this inaccuracy. I am demanding the immediate removal of this incorrect late payment within 5 business days under 15 U.S.C. 1681i ( a ) and related laws. If TransUnion does not comply within the required timeframe, I will seek legal action, including filing complaints with the FTC, CFPB, and Florida Attorney General, as well as pursuing damages.

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 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute fraudulent and unauthorized information on my credit report under 15 U.S.C. 1681c-2 and 15 U.S.C. 1681b, and to request that this information be blocked and removed immediately.

I have attached a copy of my police report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) as proof that this information has been reported improperly. 

Legal Basis : Violation of 15 U.S.C. 1681b and 1681c-2 Violation of 15 U.S.C. 1681b Reporting Without My Consent : According to the Fair Credit Reporting Act ( FCRA ), the inclusion of information in a credit report requires express written consent.

I never provided such consent for this account to be reported on my credit history, which constitutes a violation of the FCRA.

Violation of 15 U.S.C. 1681c-2 Fraudulent Information Must Be Blocked : This section mandates that any fraudulent information on a credit report must be blocked immediately when the consumer formally notifies the credit bureau .

While this account may have been opened in my name, it was reported without my authorization, making it fraudulent and requiring immediate removal.

Fraudulent Information to Be Blocked The following information on my credit report has been reported improperly and must be block
ed and removed immediately : DISCOVERBANK 601100 Under 15 U.S.C. 1681c-2, I formally request that this fraudulent information be blocked immediately from my credit report. This information must remain blocked for one year, after which I may request an extension of the block. During this period, this information must not be reported as valid nor allowed to reappear on my credit report.

Previous Attempts and Lack of Response I have made multiple attempts to contact the credit bureau regarding these fraudulent accounts, but the bureau has failed to provide a solution to this issue. 

This has significantly impacted me, preventing me from acquiring a new home for my family. 

These accounts have been removed and not verified by other credit bureaus, so I do not understand why you continue to claim these accounts belong to me. 
I have requested copies of the contracts from the company in question, but after more than 60 days, I have received no response. 

For these reasons, I request immediate action to block and remove this information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute fraudulent and unauthorized information on my credit report under 15 U.S.C. 1681c-2 and 15 U.S.C. 1681b, and to request that this information be blocked and removed immediately.

I have attached a copy of my police report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) as proof that this information has been reported improperly. 

Legal Basis : Violation of 15 U.S.C. 1681b and 1681c-2 Violation of 15 U.S.C. 1681b Reporting Without My Consent : According to the Fair Credit Reporting Act ( FCRA ), the inclusion of information in a credit report requires express written consent.

I never provided such consent for this account to be reported on my credit history, which constitutes a violation of the FCRA.

Violation of 15 U.S.C. 1681c-2 Fraudulent Information Must Be Blocked : This section mandates that any fraudulent information on a credit report must be blocked immediately when the consumer formally notifies the credit bureau .

While this account may have been opened in my name, it was reported without my authorization, making it fraudulent and requiring immediate removal.

Fraudulent Information to Be Blocked The following information on my credit report has been reported improperly and must be block
ed and removed immediately : DISCOVERBANK 601100 Under 15 U.S.C. 1681c-2, I formally request that this fraudulent information be blocked immediately from my credit report. This information must remain blocked for one year, after which I may request an extension of the block. During this period, this information must not be reported as valid nor allowed to reappear on my credit report.

Previous Attempts and Lack of Response I have made multiple attempts to contact the credit bureau regarding these fraudulent accounts, but the bureau has failed to provide a solution to this issue. 

This has significantly impacted me, preventing me from acquiring a new home for my family. 

These accounts have been removed and not verified by other credit bureaus, so I do not understand why you continue to claim these accounts belong to me. 
I have requested copies of the contracts from the company in question, but after more than 60 days, I have received no response. 

For these reasons, I request immediate action to block and remove this information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: FL

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 2025-03-10 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: FL

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 2025-03-10 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: IL

Complaint narrative:
I checked my credit report and I am upset about what I found out. There is a late payment remarked on it but I did not incur any late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Fairway Independent Mortgage Corporation
State: GA

Complaint narrative:
Today XX/XX/XXXX, I called Fairway ( XXXX ) XXXX and was advised they could not give me with any information about my account, because it is listed in bankruptcy. I also called XX/XX/XXXX again I was told the same thing. The CSR provided me with an email to send my Reaffirmation letter to : XXXX I immediately sent the email ( attached ). 

As I was looking at my Reaffirmation Agreement ( attached ), I noticed on page 2 of Official Form 427 that as of XX/XX/XXXX, my mortgage balance was {$210000.00}, but a month ago in XXXX my mortgage balance as {$210000.00}!!! How is that??? 

My XXXX XXXX  was discharged & XXXX ( attached ). 
I never stopped paying my mortgage. 

XX/XX/XXXX, I sent an email to Fairways attorneys ( attached ) requesting they correct my mortgage status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation