vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-08 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:
Re : Dispute of Incorrect Information Request for Immediate Deletion To Whom It May Concern, I am writing to formally dispute the inaccurate information related to the account listed below, which appears on my credit report. This account, originally owed by me, was purchased by a third-party debt collector or sold and the balance has not been updated correctly. 
XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX. XXXX XXXX XXXX CAR WAS SOLD BUT MY BALANCE DOES NOT REFLECT THE SOLD AMOUNT. - ACCOUNT NUMBER : XXXX XXXX. XXXXXXXX XXXX XXXX CAR WAS SOLD BUT MY BALANCE DOES NOT REFLECT THE ACCURATE AMOUNT OWED. ***PLEASE REMOVE INACURATE INFORMATON** ACCOUNT NUMBER : XXXX XXXX. XXXX XXXX DEBT WAS SOLD TO COLLECTION AGENCY AND THE AMOUNT ON MY ACCOUNT DOES REFELECT THAT CORRECT AMOUNT. ALSO THE REPORTING THE SAME ACCOUNT TWICE. ACCOUNT NUMBER : XXXX XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX  ) - DEBT WAS PURCHASED AT UNDISCLOSED AMOUNT. ACCOUNT NUMBER ; XXXX ***PLEASE REMOVE INACURATE INFORMATON** XXXX. XXXX XXXX XXXX XXXX  CAR WAS SOLD BUT MY BALANCE DOES NOT REFLECT THE SOLD AMOUNT. ACCOUNT NUMBER ; XXXX ***PLEASE REMOVE INACURATE INFORMATON** I am requesting that the inaccurate entry be deleted immediately in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

The following issues have been identified with the reporting of this account : 1. Incorrect Account Status : The status of this account does not reflect the actual condition of the debt.

2. Incorrect Amount : The amount reported is not accurate. The debt was settled for less than the original balance owed, and my credit report does not reflect this.

3. Incomplete Information : The credit report does not include the necessary and accurate information regarding the payment made by the third-party debt collector, nor the accurate settlement amount.

As per Section 1681i ( a ) of the FCRA, I have the right to dispute any information on my credit report that I believe to be inaccurate, incomplete, or outdated. Furthermore, Section 1681e ( b ) of the FCRA requires that consumer reporting agencies maintain " maximum possible accuracy '' when reporting information. The inaccurate reporting of this account violates the FCRA because it misrepresents the status and payment of the debt.

Additionally, I would like to highlight that Section 1681s-2 ( b ) of the FCRA mandates that furnishers of information ( including debt collectors ) report accurate and complete information. The lack of correct reporting regarding the payment of the debt by the third-party debt collector constitutes a violation of this provision.

Given that this information is incorrect, incomplete, and misleading, I respectfully request that this account entry be deleted immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: TN

Complaint narrative:
This letter serves as a formal demand for the immediate removal of multiple inaccurate, and unverifiable accounts and inquiries currently being reported on my credit file. Under 15 U.S. Code 1681s-2 of the Fair Credit Reporting Act ( FCRA ), your bureaus are legally obligated to report only 100 % accurate and verifiable information. If you can not fully verify these accounts with original, unaltered documentation from the creditors, then they must be deleted immediately per Metro 2 compliance standards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
2 charges on my account unauthorized. WF said unable to refund due to chip being used.

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 2025-04-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: TX

Complaint narrative:
I have made numerous attempts to resolve an issue with my loan servicer, MOHELA, beginning in XX/XX/XXXX, regarding the removal of forbearance and the switch to a qualifying plan for Public Service Loan Forgiveness ( PSLF ). I was informed that the change would take three months, but after several months without updates and no visible progress in my account records, I contacted MOHELA again to confirm that my request was being processed. I have never requested forbearance, and my sole goal was to transition to a qualifying PSLF repayment plan. Unfortunately, after multiple dropped calls and hours spent on hold, I was informed that my application to enter repayment on a standard plan was denied on XX/XX/XXXX, due to being " paid ahead '' for XXXX and XX/XX/XXXX. I do not understand the connection between being paid ahead and switching to a qualifying repayment plan. I simply want the payments I have made to be properly applied to my loan balance, and my husband and I are eager to pay off the loan in full and move forward. It is unacceptable to be told that I must wait another three months for MOHELA to process a payment plan change, especially when this issue has already caused so much delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I did not consent to authorize nor benefit from the following account ( s ). Block and Remove.

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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
XX/XX/year> Wakefield XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Demand for Immediate Removal of Unvalidated Debt and Correction of Credit Reporting To Whom It May Concern, I am writing regarding the collection account that your company, Wakefield XXXX, has inaccurately reported on my credit reports. Despite my previous request, your company has failed to provide validation of this debt as required by the Fair Debt Collection Practices Act ( FDCPA ).

This account is incorrectly reported as " closed '' yet continues to reflect an outstanding balance monthly. This contradictory reporting is severely damaging my credit and causing significant financial and emotional distress.

I previously requested the following information : - Validation of the debt ( including original creditor, documentation, and exact amount owed ) - Proof that the reported debt is legitimate and accurate As you have failed to provide the requested validation, you are in violation of FDCPA regulations.

Consequently, Wakefield XXXX is reporting incorrect information under the Fair Credit Reporting Act ( FCRA ).

I hereby formally demand : 1. Immediate removal of this collection account from all credit bureaus.

2. Written confirmation of removal within fifteen ( 15 ) calendar days of receipt of this letter.

Additionally, I demand that Wakefield XXXX permanently cease all current and future reporting of this account to any credit bureau. Re-reporting a disputed, unvalidated debt would constitute further violations of the FDCPA and FCRA, and I will not hesitate to pursue legal remedies if this occurs.

If Wakefield XXXX does not promptly comply, I will have no choice but to retain legal counsel and pursue all available legal remedies, including claims for damages related to violations of the FDCPA and FCRA. 
Please treat this as my final attempt to amicably resolve this matter without litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to formally dispute multiple unauthorized inquiries that appear on my credit report. I have sent each bureau everything attached to this claim prior to escalating to this step and have received stall tactics saying my identity cant be verified, or an inaccurate item coming back as verified in less than XXXX hours which shows first a real person did not investigate but instead an EOSCAR SYSTEM. 
According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete. I have identified accounts and inquiries listed on my credit report that I did not authorize or provide written consent for. This is a total breach of privacy and trust when it comes to consumer reporting. 
Accounts : 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 explanation
Consumer complaint received 2025-04-08 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: AR

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Ace Customer Services, LLC
State: FL

Complaint narrative:
I have paid {$410.00} x XXXX = {$4100.00} during 10 months to settle XXXX credit cards. As I'm having a financial hardship at the moment with XXXX late payments of my mortgage, I had to cancel the program. The amount sent to only XXXX credit card was {$900.00} ( XXXX {$100.00} ), {$460.00} check sent to me as a refund and they kept difference, which is {$2800.00}. Please inform if this is legal. If it's not legal, then please publish this description per the checked box below. 
Thank you!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Early Warning Services, LLC
State: CT

Complaint narrative:
Upon contacting Early Warning Services to opt out of there data base using my personal information without consent I was told by supervisor XXXX that I can not opt out of there system. I expressed to XXXX its federal law that upon my request my Information is to be removed and I was told that Im missed informed. I know by law this is illegal procedure being followed and this is a clear act of misrepresentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: 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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
1. Unauthorized/Inaccurate Credit Inquiries : My credit report reflects several inquiries that I did not authorize. These inquiries negatively affect my credit score and I believe they were either done without my consent or in error. 

XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX 2. Paid Charge-Off Not Removed : A charge-off from JPMCB was fully paid on XX/XX/XXXX, and I was assured it would be removed or updated to reflect its paid status. However, the charge-off remains on my credit report with no indication that the balance has been paid. This is misleading and continues to damage my creditworthiness. 

JPMCB CARD XX/XX/XXXX Date opened XX/XX/XXXX Last payment was made was told it would be paid and closed even though they decided to settle with me I have already attempted to resolve these issues through the appropriate channels, including filing disputes with the credit bureaus ( XXXX, XXXX, and XXXX ), but the errors remain unresolved. 

I am requesting the FTCs assistance in investigating this matter, as these inaccurate and outdated entries are negatively impacting my ability to obtain credit and housing. 


Please advise on any additional steps I can take or actions the FTC can initiate to ensure that my credit report is accurate and in compliance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I disputed some accounts with TransUnion, Equifax, and Experian. According to the Fair Credit Reporting Act, XXXX XXXX. XXXX Section XXXX ( a ) ( XXXX ) ( B ) ( iii ), they are required by federal law by request of the consumer, a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. You must provide this request by no later than 15 days after receiving this request for that description according to the Fair Credit Reporting Act, XXXX XXXX. XXXX Section XXXX ( a ) ( XXXX ). 

In the results of your first, second, and third investigations, you stated in writing that you " verified '' that these items are being " reported correctly ''. 

Who in your company verified these accounts? 
How did they verify them? 
Please provide me with the name of the individual, business address and telephone number of the person or business contacted during your reinvestigation. 
Include the documentation that was used to verify the dispute. 
You have NOT provided me a copy of ANY hard copy documentation showing that you have properly verified these accounts. Under Section XXXX ( XXXX ) ( A ) ( i ) of the FCRA you are required to " ... promptly DELETE all information which can not be verified. ''

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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I disputed some accounts with TransUnion, Equifax, and Experian. According to the Fair Credit Reporting Act, XXXX XXXX. XXXX Section XXXX ( a ) ( XXXX ) ( B ) ( iii ), they are required by federal law by request of the consumer, a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. You must provide this request by no later than 15 days after receiving this request for that description according to the Fair Credit Reporting Act, XXXX XXXX. XXXX Section XXXX ( a ) ( XXXX ). 

In the results of your first, second, and third investigations, you stated in writing that you " verified '' that these items are being " reported correctly ''. 

Who in your company verified these accounts? 
How did they verify them? 
Please provide me with the name of the individual, business address and telephone number of the person or business contacted during your reinvestigation. 
Include the documentation that was used to verify the dispute. 
You have NOT provided me a copy of ANY hard copy documentation showing that you have properly verified these accounts. Under Section XXXX ( XXXX ) ( A ) ( i ) of the FCRA you are required to " ... promptly DELETE all information which can not be verified. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: WA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX 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 2025-04-08 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: TN

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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
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 TransUnion credit reporting agency , 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 a personal credit card account opened at XXXX on XXXX on XXXX, XXXX under the account number XXXX, a credit card opened at XXXX on XX/XX/XXXX under the account number XXXX accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 XXXX 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