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: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My wife had a Bank of America credit account and original statements from 2003 onward show only her name. I used a second card for a short time to increase reward points but stopped because of the card 's inconveniences. I was never an " owner '' of the account yet I discovered that BoA had me as an owner and my name on statements in later years. BoA claims I could not have been added as an owner without my permission. Upon request of proof that I asked to be an owner, they were unable to find any. They took me off the account and I have a letter from them showing I am no longer on the account. In the meantime, my wife settled her debt and is paying BoA monthly via XXXX XXXX which is a credit consolidation/repayment firm. My issue of complaint is that XXXX refuses to remove the months of non-payment while the debt was being settled from MY credit report. They have it as a negative on my account even though I have shown them the letter from BoA stating it is not my account, and BoA has no evidence proving I ever asked to be on the account. When I file a dispute through their automated system, they simply reply " BoA confirms the info is accurate. '' I have provided them with the letter stating I am not an owner of the account. I don't know what they are getting from BoA- maybe just confirmation the account exists? But since it's all automated, no human seems to be seeing the evidence properly. XXXX is not asking for proof that I have asked to be an owner, only taking the word of BoA? All the other credit agencies have removed this from my report in good faith after I provided the BoA letter stating I wasn't an owner. But XXXX does nothing but go in automated circles. Before they simply believe that I was an owner, they need to ask for proof that I requested to be an owner, as I have done. When they're given no proof, they should clear this from my otherwise always perfect 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 explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I filed a complaint with on XXXX XX/XX/year> and the company claimed they did not know what number was called even though it was written in the above mentioned complaint. I received yet ANOTHER call from Portfolio Recovery on XXXX XX/XX/year>XXXX XXXX XXXX XXXX to the same number : ( XXXX ) XXXX. 

I DO NOT have an account with Portfolio Recovery so I do not have an account number to provide. 

I have filed two other complaints against this company with no resolution and I am continuing to be harassed by them in the form of repeated calls. 

Previous case numbers : 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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax ( EX ) is failing to provide verifiable proof of their investigation. I've contacted them 3 times over the last 3 months and each time they've failed to send any verifiable proof. However, they claim the information has been verified. This is strict violation of 611 of the FCRA code. I need EX to be held accountable for their strict violations in the law. If they do NOT provide sufficient proof how do we know EX is performing under the color of the law. Please see the following 3rd letter I'm sending them requesting information me blocked/removed due to identity theft. How are they verifying the information if the account in questions is fraud. Please see this matter is handled to the regulations which hold them accountable. I'm including all records of the last 2 letters. Additionally, EX failed to my original letter mailed on XX/XX/year> they emailed me correspondence claiming they were not going to honor my dispute because I was not the individual or they thought it was being submitted by a third party. They are failing at honoring FCRA laws and regulations. I need them to honor my disputes and if they fail to do so I seek a remedy of {$1000.00} per individual account. I've attached the original letter I mailed to EX. I need this matter honor per FCRA laws.

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: TX

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. I have attached a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize these accounts, collections as reported. These items appearing on my consumer credit report were not opened, made, or initiated by me and are all the result of identity theft and fraud. Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts and inquiries are the result of identity theft and fraud. I request that Experian block these fraudulent items immediately, as required under the FCRA, and confirm their removal from my consumer 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 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: NC

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached 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 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: CA

Complaint narrative:
Please review this complaint carefully, as it was submitted with full intent. My credit report contains incorrect, unknown and mixed information, including accounts and transactions that do not belong to me. This mix-up is extremely concerning and has caused me unnecessary stress and frustration.

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 card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I placed an order from Home Depot XXXX  website on XX/XX/XXXX. It was marked as delivered at XXXX I went downstairs to get my package and nothing was there. I sent a message to the delivery driver XXXX XXXX who claimed he left it in front of the glass door in front of my apartment building. I told him nothing is there and he said its there and there's a picture sent. There was nothing there and I never received a picture. So I called XXXX XXXX customer service and the rep told me to file a dispute with Citi. I filed a dispute and on XX/XX/XXXX I received a letter in the mail stating the dispute was found in my favor. On XX/XX/XXXX, I received a letter that the dispute was found in the favor of Home Depot and that I am required to pay for the merchandise. They also threatened to ruin my credit by reporting it to the XXXX agencies. I was then told to reach out to the retail equation. So I called them and the man I spoke to told me they based it on my past transactions because I returned a few things. He told me if I don't agree to send an email to this email address XXXX and I will receive a copy of the transactions and if I don't agree with them to send them an email to dispute it. Today XX/XX/XXXX they responded saying the transaction is valid and I need to pay for it. How is that right? Forcing someone to pay for something I never found and threatening to ruin my XXXX XXXX. What they are doing is illegal. I would appreciate your help please. Thank you

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 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 — Account information incorrect
Company: EQUIFAX, INC.
State: TX

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 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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

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: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Peer Advisors, LLC
State: FL

Complaint narrative:
After my wife died the company came after the house because I don't have the money we got out of the house to take care of my wife and I'm XXXX not XXXX XXXX XXXX. They are impossible to get a hold of over the phone and are bombarding me with paperwork and leaving notes on my door.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to Human Trafficking Debt Bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 


XXXX XXXX XXXXXXXXXXXX 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 - IncorrectPersonal XXXX XXXX XXXX XXXX XXXX XXXX  XXXX IncorrectPersonal XXXX XXXX XXXX XXXXXXXX XXXX  XXXX - IncorrectPersonal XXXX XXXX XXXX XXXX XXXX XXXX - IncorrectPersonal XXXX - IncorrectPersonal XXXX XXXX XXXX - Incorrect Personal XXXXXXXX XXXXXXXX - Incorrect Personal

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: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
my servicer was Navient and they put in forbearance without my consent for over a decade

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 — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

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 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

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 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: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2025-02-25 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: FL

Complaint narrative:
I recently discovered that my personal information was compromised due to a data breach and subsequently used without my authorization. As a result, accounts were fraudulently opened or used under my name. 

Unauthorized accounts LVNV FUNDING LLC {$760.00} ( Opened XX/XX/XXXX ) LVNV FUNDING LLC {$970.00} ( Opened XX/XX/XXXX ) XXXX {$270.00} ( Opened XX/XX/XXXX XXXX XXXX XXXX {$870.00} ( Opened XXXX XXXX, XXXX ) XXXX XXXX XXXX {$2200.00} ( Opened XX/XX/XXXX ) LVNV FUNDING LLC {$530.00} ( Opened XX/XX/XXXX ) XXXX XXXX {$730.00} ( Opened XX/XX/XXXX ) LVNV FUNDING LLC {$300.00} ( Opened XX/XX/XXXX ) XXXX XXXX XXXX XXXX {$680.00} ( Opened XX/XX/XXXX ) PORTFOLIO RECOVERY {$410.00} ( Opened XXXX XXXX, XXXX ) I have reported the issue FTC, credit bureaus Additionally, I have attempted to resolve this matter by disputing charges, contacting customer support.

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:
This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my credit report that is the results of Identity theft, data Breach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX ( Original XXXX XXXX XXXX XXXX XXXX ) : Account number : XXXX, XXXX ( Original XXXX XXXX XXXX ) : Account number : XXXX, XXXXXXXX XXXX : Account number : XXXX, XXXX XXXX : Account number : XXXX, XXXX | XX/XX/year> : XXXX XXXXXXXX XXXX : Account number : XXXX, XXXXXXXX XXXX XXXX  : Account number : XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARINTG IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.

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: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: NY

Complaint narrative:
Do not release my personal information anywhere this is my person information. Do not release my social security number to anyone ever. XXXXXXXX XXXX is not allowed to release my information. He is not allowed to at my information. I do not care what Trump says. I also can't not afford my idr now if it is raised my payments will not be paid ever. I can not do it. I am not rich that is why I have an IDR. Trump is not king and congress better not ruin the entire education system.

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: NC

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to notify you I am a victim of data breach and identity theft and I would like all accounts mentioned blocked and deleted from my credit report pursuant to FCRA 605B15 U.S.C 1681c-2 ( a ) 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 2025-02-25 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: NJ

Complaint narrative:
I am writing to notify you I am a victim of data breach and identity theft and I would like all accounts mentioned blocked and deleted from my credit report pursuant to FCRA 605B15 U.S.C 1681c-2 ( a ) 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 2025-02-25 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: NC

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached 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