vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-28 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: MS

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my verdict report. Despite my submissions, XXXX consistently responds 24 hours stating the account is accurate, without proving any evidence of a thorough investigation. This practice violated the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes,. Furthermore, XXXX 's actions may contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( A ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding. ( File No. 2025-CFPB-002 ) against them for similar violations to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.

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 2025-01-29 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:
All three agencies became aware of a collection account from a company called collections services that called themselves doing a collections on behalf of XX/XX/XXXXwhich in my previous complaint I submitted to the cfpb that I in fact did not owe anything to progressive and definitely did not owe this collections agency due to the fact that I have never done business with nor do I have a contractional agreement/ promise to pay or anything like that with said agency. I asked for a swift resolution to this issue, because this ghost debt is serverly hurting my Fico scores due to there improper investigation of this debt. XXXX removed this account after they did their investigation and now the other two companys that have had the same amount of time the XXXX had still have not removed this account from my report. Under 15 usc 1681 ( I ) this information should have been immediately removed and now I am claiming negligence on the companies of XXXX, as well as Transunion for be in violation of federal law with the mishandling of my credit reports. There are as a matter of fact a few things that I was told would be removed and have not been but I will save that for my follow up complaint into the inproper handling of my credit reports.

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 2025-01-28 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: Servicer under contract with Federal Student Aid
State: FL

Complaint narrative:
Pursuant 18 U.S.Code 2073 - False entries and reports of moneys or securities Affiant is aware that DIRECT LOANS and THE DEPARTMENT OF EDUCATION exchanged my signature on the original promissory note for the securities to pay any alleged debts. DIRECT LOANS and THE DEPARTMENT OF EDUCATION have failed to provide proof of a signed contract ( by me/my signature ) as well as failed to provide the 1099C IRS documents that were used when the alleged owed debt was written off.

I demand a full discharge of all accounts associated with my name/estate via subrogation with the equity of my account pursuant HJR 192 of 1933 which clearly states that debt can only be DISCHARGED. THE DEPARTMENT OF EDUCATION and DIRECT LOANS has provided me with fraudulent information concerning any legal obligation to this debt.

in order for a contract to be valid and enforceable it must have the original promissory note or at least a copy and a actual wet ink signature. There was not meeting of the minds or consideration exchanged and there was no other party involved other than me. The law clearly states I have a right to face my accuser which THE DEPARTMENT OF EDUCATION and DIRECT LOANS are accusing me of owing them several amounts without providing proof or request supporting documents that prove there is any valid enforceable contract nor permissions for these agencies to derogatorily report on my consumer report or communicate with other CRA 's concerning my personal and private information. 

HJR 192 of XX/XX/year> is the bond the government uses to re-credit the people, upon demand, because the XXXX administration took away the peoples gold. 
HJR 192 is an insurance policy that cancels the execution of debt required by law.

A debt has to only be discharged and the word pay is equated with silver and gold. 
Public Policy removes my liability to pay this " debt '' Therefore the Record Let the Public Policy bond pay /discharge all charges I have attached concerning these allegations.

Company response to consumer: Untimely response
Consumer complaint received 2025-01-28 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XX/XX/XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes. 

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: FIRST PORTFOLIO SERVICING INC
State: SC

Complaint narrative:
Never received a credit card from the creditor. On a pre-approved.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Dear CFPB, I am writing to update and escalate my complaint against Experian for their continued violations of the Fair Credit Reporting Act ( FCRA ) regarding identity theft and improper credit reporting practices. 
Key Issues 1. Improper Denial of Fraud Block Request : * Despite submitting all required documentation, including an FTC Identity Theft Report ( Ref. No. XXXX ) and a police report, Experian has denied my request to block fraudulent items under FCRA 605B. 
2. Unlawful Reinsertion of Previously Blocked Items : * Experian has reinserted items previously blocked due to fraud, such as XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX, and others, without providing the required notification and certification as outlined in FCRA 611 ( a ) ( 5 ) ( B ).

3. Failure to Provide Substantiation : * Experian has failed to provide any evidence to support their claim that my block request was based on material misrepresentation or that I knowingly participated in the disputed transactions, violating FCRA 609.

4. Ongoing Reporting of Fraudulent Accounts and Inquiries : * Experian continues to report fraudulent accounts and inquiries, causing financial harm and emotional distress.

Resolution Requested I am requesting that the CFPB : 1. Investigate Experians non-compliance with FCRA 605B and FCRA 611 ( a ) ( 5 ) ( B ).

2. Require Experian to re-block all fraudulent accounts and inquiries identified in my FTC Identity Theft Report ( Ref. No. XXXX ). 
3. Ensure that Experian provides full substantiation for any disputed items they claim to verify.

4. Impose penalties and require Experian to compensate me {$10000.00} for the financial and emotional harm caused by their actions.

Attachments I am including the following documents for your review : * FTC Identity Theft Report ( Ref. No. XXXX ) * Police Report ( Report No. XXXX ) * Copies of Experians responses and prior correspondence Thank you for your attention to this matter. I look forward to your assistance in resolving these issues. 
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 2025-01-28 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: NY

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 2025-01-28 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: AL

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Credit Control, LLC
State: NV

Complaint narrative:
XX/XX/XXXX correspondence sent requesting payment. XX/XX/XXXX requested settlement offer with Credit Control LLC representing XXXX XXXX. XX/XX/XXXX offer provided in email to pay reduced amount to be paid by Credit Control LLC. XX/XX/XXXX Credit Control confirmed address to mail payment options. No due dates provided for payment. XX/XX/XXXX received email stating no longer able to collect on account and advised to contact XXXX. Contacted who I thought was XXXX but turned out to be XXXX  and given a higher settlement amount to pay than what Credit Control offered. After verifying info with XXXX XXXX my account was conveniently returned to XXXX same day. Per XXXX  account was returned XX/XX/XXXX. 
Only trying to pay what was agreed upon amount with Credit Control which is {$500.00} less than amount offered by XXXX. Offer of {$920.00} for pay to delete provided by Credit Control XX/XX/XXXX from 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 2025-01-29 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: CA

Complaint narrative:
I am filling a complaint against Experian for failing to properly investigate my dispute regarding inaccuracies in my credit report despite my submission, Experian consistently responds within 24 hours stating that the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ) ,15 U.S.C. Code 1681i which mandates a reasonable investigation dispute. Furthermore, XXXX actions may also contravene the Consumer Financial Protection Aid ( CFPA ), 12 U.S.C. 5536 ( A ) ( 1 ) ( A ) - ( B ), as highlighted in the recent CFBBs recent administrative proceeding ( File No. XXXX ) against them for similar violations.I request that CFPB take action to ensure Experian complies with federal law and provides consumer with the necessary proof of investigation. 

Accounts 1. Old Address to be removed 2.charges off/ wrong dates on accounts 3. Debt collectors, no approve by thrift party 4. Hard inquiries not approved by me or gave permission to pull my credit by those accounts I I want reported accounts 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 explanation
Consumer complaint received 2025-01-28 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: AZ

Complaint narrative:
On XX/XX/year>, I sent a written request for debt validation to Experian, XXXX, and XXXX pursuant to 15 U.S.C. 1681i ( a ) ( 6 ), which grants me the right to dispute inaccurate information on my credit report and request an investigation. I specifically identified the disputed accounts and provided supporting documentation to demonstrate that the information being reported is inaccurate. 

As of today, All 3 bureau ( s ) have failed to respond to my request or provide the required validation of the debt. Despite my lawful dispute, the bureaus continue to report the inaccurate information on my credit report, which is harming my creditworthiness and causing financial and emotional distress. 

The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to conduct a reasonable investigation and correct or delete inaccurate, incomplete, or unverifiable information within 30 days of receiving a dispute. The bureaus failure to comply with my request and their continued reporting of inaccurate information violates my rights under the FCRA. 

I am requesting that the CFPB intervene to ensure that the credit bureaus comply with the law, conduct a proper investigation, and remove or correct the inaccurate information from my credit report. 

Thank you for your assistance in resolving 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 2025-01-28 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: NY

Complaint narrative:
On XX/XX/XXXX, I attempted to make a payment of {$270.00} in complete satisfaction of my loan. Without notice, Mohela reversed this payment. On XX/XX/XXXX, I attempted to make a payment of {$270.00}, representing the payment amount plus interest allowed to accrue as a result of the payment reversal. When I submitted this payment, I made sure to check that I received a message confirming my payment. I was shown a screen that said " payment successful. '' Two days later, on XX/XX/XXXX, I logged in to check on the status of my payment and saw that the status was payment accepted- I'm confident in the date and verbiage because I texted my spouse as soon as I saw this message, expressing joy to be done dealing with Mohela. However, and once again without notice, Mohela reversed this payment, backdating the transaction to XX/XX/XXXX despite having displayed the payment as accepted as late as XX/XX/XXXX. I sent the following message to Mohela on XX/XX/XXXX, when I logged in once again to confirm that Mohela hadn't created an issue with this payment. Mohela has not responded. 


I'm writing to request information regarding two " reversed '' payments, reversed without notice or explanation, resulting in additional interest accural. This is especially concerning given that when I logged in yesterday to check the status of my most recent attempt to pay, the payment was posted as " accepted ''. I additionally have a screenshot showing " Payment Successful '' from XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My credit card was used to accrue XXXX dollars worth of payments I did not make. My checking account has a XXXX dollar XXXX XXXX charge I also did not make. I called BOFA many times figuring out what happened, and all of my claims were denied as The chip was used and Not sufficient evidence of 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 monetary relief
Consumer complaint received 2025-01-28 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: CA

Complaint narrative:
Its beyond frustrating to see the same mistakes show up on my report over and over again. These errors are doing real damage to my score and blocking opportunities that Ive earned through hard work. I shouldnt have to keep dealing with inaccuracies that shouldnt be there in the first place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX. Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ). 

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes. 
Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

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