vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I viewed my credit report and noticed that there are fraudulent accounts.

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 2025-02-28 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:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
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 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am listing 3 Inquiries fraudulent from my Transunion Credit Report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Listed inquiries do not belong to me and must be removed from my Transunion Credit Report. I had a call with the company and the credit reporting agency advised me to file an identity theft report for deletion. I requesting Transunion to mark these inquiries fraudulent and remove from my 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 non-monetary relief
Consumer complaint received 2025-02-28 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: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-02-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ACIMA CREDIT, LLC
State: PA

Complaint narrative:
Acima leasing is charging me more money than they should which includes unregulated interests and full charges for 2 items I returned and showed proof of invoiced returned Acima is claiming they never received them and despite me sending proof and being on hold 20 mins later they hung up on me. 
XXXX returned item was a wooden storage bed from XXXX XXXX returned funds of {$84.00} on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXXXX/XX/year> to Acima. 
Acima customer service has mislead me in every phone call by providing different accounts information and different resolutions or no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: GLA Collection Company, Inc.
State: IN

Complaint narrative:
I had emergency Medicaid & I was sick ended up in XXXX XXXX XXXXXXXX. I gave my Medicaid to XXXX & I had XXXX  over XXXX. They never mentioned any amount of my bill & next I know is I am getting bills over 15k & GLA contacted me to pay {$600.00} & I told them that XXXX was not transparent & XXXX  didnt sign the agreement with them.. Female go rude & aggressive & told me to pay & will register to Credit & I told her send me the agreement & she said oh that you XXXX  immigrants want everything free. Then I saw this week bill registered to credit & I called ageing today todays agent was ride said they own XXXX XXXX XXXX XXXX have the right to put in credit for medical debt & I asked for my contract with them & she said go find on own.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: DE

Complaint narrative:
I am formally disputing all inaccurate, unverifiable, and outdated information on my credit report under my rights provided by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. After thoroughly reviewing my credit report, I have identified several discrepancies that must be removed immediately, as they are inaccurate, outdated, or lack verification. It is essential that these issues are addressed without delay.

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 2025-02-28 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: PA

Complaint narrative:
according to the law 15 U.S. Code 1681c2 - Block of information resulting from identity theft consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency also according to the law According to my records on this account, your company is reporting errors on my credit report. You are reporting inaccurate and incomplete credit information. The credit report you provided shows a history of payment or payments being made late that are not proven and are incorrect. 15 U.S. Code 1666b states the following. ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. You MUST remove any late payments from my credit report please delete all negative accounts immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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:
Subject : Dispute of Charged-Off Account I am writing to formally dispute a charged-off account listed on my credit report. Under the Fair Credit Reporting Act ( 15 USC 1681 ), I have the right to dispute any information that I believe is incorrect. 
The details of the account in question are as follows : - **Creditors Name** : XXXX XXXX - **Account Number** : XXXX - **Reason for Dispute** : The amount reported on this account is incorrect. Under 15 USC 1681a, I am entitled to accurate and complete information in my credit report. The charge-off amount does not reflect the actual balance owed, which constitutes a violation of my rights under the Fair Credit Reporting Act. Additionally, under **15 USC 1681e**, consumer reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information in consumer reports. The inaccurate amount reported violates this requirement. Furthermore, under **15 USC 1681s-2**, there are specific obligations for furnishers of information, such as XXXX XXXX, to provide accurate information to credit reporting agencies. If XXXX XXXX failed to provide accurate information, this further strengthens my case for disputing this charged-off account. 

If you are unable to validate the amount within 30 days, I request that this account be removed from my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Texas 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 2025-02-28 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: CT

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: TX

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 non-monetary relief
Consumer complaint received 2025-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, I deposited XXXX checks from freelance work. Unfortunately, the bank identified some issues with them. I had other available funds in my account besides the checks, yet the bank placed a hold on all my funds. 

I repeatedly asked customer service why this was happening, when the other funds would be available, and what I could do, but I kept receiving conflicting answers. In fact, a couple of representatives assured me that the hold would be released on XX/XX/XXXX ( attached is proof of this ). However, on the XXXX, they changed the release date to XX/XX/XXXX, and now they are saying XX/XX/XXXX. 

They provided me with a phone number for more information and stated that I should have access to my non-check funds, but no one seems to know how to remove the hold and what is actually happening. I relied on their assurance that the funds would be available on the XXXX and planned accordingly, but now I am late on my basic bill payments. 

I also filed an official complaint with the bank regarding this issue, but it was unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: IN

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. ''

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 2025-02-28 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Subject : Request for Debt Validation AXCSSFN/CNGO Dear Collection Agency Representative, I am writing in response to a notice I received from your company regarding an alleged debt. I respectfully request that you provide me with the necessary validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 
Please provide the following information : 1. Proof of the debt : A signed agreement or contract showing I agreed to this debt. 
2. Creditor Information : The name and contact details of the original creditor. 
3. Itemized Account Statement : A detailed breakdown of how the alleged debt was calculated. 
4. Proof of Collection Rights : Documentation showing that your agency has the legal authority to collect this debt. 
5. Statute of Limitations Information : Verification that the debt is within the legal timeframe for collection in my state. 
6. Any prior payments : A record of all payments made, if applicable. 
Until I receive proper validation, I request that all collection efforts and reporting to credit bureaus regarding this account cease immediately. Failure to validate this debt may result in a dispute with the credit bureaus and legal action, if necessary. 
Please provide this information in writing within 30 days of receiving this letter. If you can not validate this debt, please remove any negative information related to it from my credit report and cease all further collection activities. 
This letter serves as a formal dispute of the alleged debt. I request that all future correspondence be in writing. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: SC

Complaint narrative:
Subject : Request for Debt Validation XXXX Dear Collection Agency Representative, I am writing in response to a notice I received from your company regarding an alleged debt. I respectfully request that you provide me with the necessary validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 
Please provide the following information : 1. Proof of the debt : A signed agreement or contract showing I agreed to this debt. 
2. Creditor Information : The name and contact details of the original creditor. 
3. Itemized Account Statement : A detailed breakdown of how the alleged debt was calculated. 
4. Proof of Collection Rights : Documentation showing that your agency has the legal authority to collect this debt. 
5. Statute of Limitations Information : Verification that the debt is within the legal timeframe for collection in my state. 
6. Any prior payments : A record of all payments made, if applicable. 
Until I receive proper validation, I request that all collection efforts and reporting to credit bureaus regarding this account cease immediately. Failure to validate this debt may result in a dispute with the credit bureaus and legal action, if necessary. 
Please provide this information in writing within 30 days of receiving this letter. If you can not validate this debt, please remove any negative information related to it from my credit report and cease all further collection activities. 
This letter serves as a formal dispute of the alleged debt. I request that all future correspondence be in writing. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 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: Kikoff Inc.
State: MO

Complaint narrative:
Dear Sir/Madam, I am writing to demand the immediate deletion of a closed negative account from my credit report in accordance with 15 USC 1681e of the Fair Credit Reporting Act ( FCRA ). I have consulted with legal counsel regarding this matter. 


Name : KIKOFF Lending Account Number : XXXX Date of Closure : XX/XX/year> I assert that this closed negative account is inaccurately reported on my credit file and does not reflect my true credit history. Pursuant to 15 USC 1681e, I request that you promptly investigate this matter and remove the aforementioned account from my credit report without delay.

I remind you of your obligation under the FCRA to ensure the accuracy of consumer credit reports. Any failure to comply with this obligation may result in legal consequences.

I expect that you will take immediate action to investigate and rectify the inaccuracies on my credit report. I demand confirmation of the removal of the disputed account within the statutory time frame. 

Thank you for your prompt attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX 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 2025-02-28 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: GA

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 2025-02-28 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: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
almost two years ago - in XX/XX/year> I filed a defense to repayment claim with the department of education in regards to my XXXXXXXX XXXX XXXX. the defense to repayment claim was filed because XXXX took my tuition money and then kicked me out of college saying I never gave them their tuition money. I have all this evidence to support my claim. In filing this defense to repayment ( DTR ) claim with the department of education, there is the option to have my loans placed in forbearance pending the resolution of my DTR. I checked that box and aidvantage has repeatedly and systemtically failed to place my loans into forbearance, claiming they are never instructed by the dept of education to put my loans into forbearance. I have called both aidvantage and the dept of education countless times and have submitted easily 15 complaints over the last almost 2 years regarding this issue. still, my loans are not placed into forbearance and it is a monthly thing that I am having to deal with this situation when I should not have to. my loans should be placed into forbearance just like they were when I filed my DTR against XXXX XXXX. I have been told by everyone that the only way to resolve this issue is to file a complaint with the dept of education which again, I've filed at least 15 complaints since XXXXXXXX XXXX XXXX Nothing is working and these loans are still being actively pursued by aidvantage.

Company response to consumer: Closed with explanation