vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
EXPERIAN AND EQUIFAX ARE HANDLING MY ACCOUNT AS IF IT BELONGS TO THEM AND I HAVE NO SAY SO.

ITS BEEN 30 DAYS SINCE I REQUESTED FROM EQUIFAX A HARD COOY OF MY REPORT AND I HAVE YET TO RECEIVE IT.

I HAVE REQUESTED THAT DOCUMENTATION OF THE PROCESS OF HOW MY INFORMATION WITH CREDITORS WAS VERIFIED and EQUIFAX REFUSED. THEREFORE I BELIEVE THEY ARENT investigating anything! They just make up stuff! The accounts I disputed DO NOT BELONG TO ME!!! 

I DO NOT LIVE AT XXXX XXXX XXXX XXXX! My phone number is not XXXX!!! These count do not belong to me!!! So they cant be verified! 


Lastly EXPERIAN AND EQUIFAX HAVE ME ON FREEZES THAT I DID NOT REQUEST NOR DID THEY ASK MY PERMISSION OR INFORM ME NOW I CANT OPEN A BANK ACCOUNT!!! 

EXPERIAN SAID THEY DELETED XXXX FROM MY REPORT YET XXXX IS STILL REPORTING!!! XXXX IS A NEW ACCOUNT THAT DOESNT BELONG TO ME AND THATS WHY XXXX CLOSED IT PER MY REQUEST BUT ITS REPORTING THAT IT WAS CLOSED BY THE CREDITOR. EXPERIAN AGREED TO REMOVE IT AND ITS STILL THERE SO DID XXXX!!! 

In conclusion- The specific violations include : 1. Unauthorized credit freeze applied without my explicit consent, violating FCRA 1681c-1.

2. Failure to notify me of the freeze or provide instructions on how to dispute or lift it, violating FCRA 1681i ( a ) ( 6
).

4. Failure to ensure the accuracy of my credit file, violating FCRA 1681e ( b ).

Failed to conduct a reasonable reinvestigation under FCRA 1681i ( a ) ( 1 ) ( A ).

5. Denied my request for removal of inaccurate information, including fraudulent inquiries and incorrect addresses, violating FCRA 1681c ( a ) and 1681e ( b ).

6. Placed unauthorized credit freezes on my reports without my consent or notification, violating FCRA 1681c-1.

7. Failed to honor my request to receive all documentation regarding how my information was verified.

I have attached the screenshot of Experian saying they deleted fortia from my account!

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 2025-02-23 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: Affirm Holdings, Inc
State: CA

Complaint narrative:
Affirm added over XXXX accounts on my credit report i had filed a Police report for credit fraud in the past i called Affirm and they could nof verify my information oviously because its fraud i dont know what phone number they used. They referred it to XXXX a collection agency i contacted them explain to them its not me its fraud. They just sent me a report that has my name and social number it shows purchases from XXXX I called XXXX and they dont want to give me information because i dont have the phone number or account number that the fraud person used. They keep sending me letters saying i owe them its my account its verified but i did not sign any contract or ever had affirm its fraudulent and frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: FL

Complaint narrative:
I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. The following fraudulent accounts and inquiries have been identified as a result of this breach 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 2025-02-23 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: FL

Complaint narrative:
I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. The following fraudulent accounts and inquiries have been identified as a result of this breach 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 2025-02-23 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: UPGRADE, INC.
State: MS

Complaint narrative:
On XX/XX/XXXX I was made aware by mortgage lender that there is an inaccuracy reported on my XXXX credit report, preventing me from obtaining a mortgage loan. 

Uplift ( creditor ) is reporting a XXXX missed payment in XX/XX/XXXX, XXXX missed payment in XX/XX/XXXX, XXXX missed payment in XX/XX/XXXX, charge off in XX/XX/XXXX, charge off again in XX/XX/XXXX. 
The Uplift account was opened in XX/XX/XXXX and closed in XX/XX/XXXX, yet Uplift is reporting late/missed payments from XX/XX/XXXX through XX/XX/XXXX, and charged off in XXXX XXXX, which is inaccurate dates after the account had already been closed and charged off to XXXX XXXX. 

XX/XX/XXXX I called Uplift ( now called XXXX ) and they confirmed that the dates being reported were incorrect. The customer service rep submitted a 'credit correction claim ' and we thoroughly went through the specific inaccuracies together in the claim. She advised that the credit correction request would be approved within XXXX business days and the collection agency ( XXXX XXXX ) would be responsible for updating my credit report. XXXX XXXX would take up to 60 days to update my credit report once claim is received. The rep gave me the phone number to contact XXXX XXXX to make them aware of the credit report inaccuracy and see if they could correct the error immediately. 

XX/XX/XXXX I called XXXX XXXX to make them aware of the credit inaccuracy to XXXX for the late payment dates. They advised they have no control over the reporting on this account, as Uplift is the original creditor, so Uplift needs to update their internal records and report to XXXX. The only thing XXXX XXXX could provide me with a letter confirming the account was paid in full with no balance due. I received this letter via email on XX/XX/XXXX. 

XX/XX/XXXX I received an email from XXXX by Upgrade ' stating they " carefully reviewed the details of your credit reporting claim and will be proceeding with updating our internal records. We submitted a correction request to XXXX, XXXX, and XXXX. Please be advised that it may take the credit bureaus XXXX to 60 days for the correction to be reflected on your credit report. '' XX/XX/XXXX I received an alert from XXXX that the following has been updated on the XXXX account in question : XXXX XXXX - XXXX off account. 
There was no update to the erroneous late payment dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: MI

Complaint narrative:
im in disagreement with the account listed below which still appears on my credit report, even after your investigation. i would like this item immediately re-investigated. the inaccurate information are highly injurious to my credit score XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX in accordance with the fair credit reporting act, Public law 91-506, Title VI, section 611, subsection A-D, please provide the names and business address of each individual with whom you verified the account with so i can do a follow up please provide me with an updated copy of my credit report after reinvesting my report thank you XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 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: MI

Complaint narrative:
im in disagreement with the account listed below which still appears on my credit report, even after your investigation. i would like this item immediately re-investigated. the inaccurate information are highly injurious to my credit score XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX in accordance with the fair credit reporting act, Public law 91-506, Title VI, section 611, subsection A-D, please provide the names and business address of each individual with whom you verified the account with so i can do a follow up please provide me with an updated copy of my credit report after reinvesting my report thank you 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 2025-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Regarding Violation of Rights by ( JERFFERSON CAPITAL SYST ) Dear Sir/Madam, I am writing to file a formal complaint against Jefferson Capital Syst for violating my rights under the Fair Debt Collection Practices Act ( FDCPA ). I believe they have engaged in unfair, deceptive, and/or abusive practices while attempting to collect a debt from me. Below are the details of my dispute : Collection Agency Information Jefferson Capital Syst Account Number : XXXX Address of Collection Agency : XXXX XXXXXXXX XXXX XXXXXXXX Phone Number : ( XXXX ) XXXX Description of the Violation ( s ) include : Harassment ( letters to collect ) Failing to send proper validation of the debt within the required time frame Attempting to collect a debt that is not mine Reporting inaccurate information to credit bureaus I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to resolve this issue. I would like the following actions to be considered : Verification of the debt and/or proof that I owe the amount in question Cease and desist from further contact regarding this debt Removal of any inaccurate information from my credit report Appropriate sanctions or penalties against the collection agency for violating the FDCPA Please confirm that this complaint has been received and provide me with an update on any actions taken regarding this matter. 

Thank you for your attention to this complaint. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SG and Associates
State: NY

Complaint narrative:
The debt collectors called several of my family members pretending to call regarding my job and my safety. Called my family under false pretenses.

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 2025-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bounce AI, Inc.
State: TX

Complaint narrative:
A collection agency placed a debt on my credit report. Claimed that Ive opened something in th year of XXXX. Ive sent mail via XXXX for debt validation and it has been over 30 days with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Global Lending Services LLC
State: FL

Complaint narrative:
The company name is global lending service out of North Carolina that the vehicle is financed with the amount I finance was {$22000.00} through the hurricane. I had a couple of setbacks where I put balance of the loan to the end of the loan my loan has now below to {$25000.00} on a truck that has XXXX miles after having this truck for a year and a half. I wan na know that how can I ever get out of this truck if my loan structure is going the opposite way I was informed by the company that I have a daily compound interest charge to me I find that this shouldve been presented to me upfront. None of this was never presented to me so I need to find out what can I do against this company? Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: VA

Complaint narrative:
SOMEONE STOLE MY PERSONAL INFORMATION AND USED IT TO OPEN UP ACCOUNTS. PLEASE BLOCK AND REMOVE THESE INACCURATE ACCOUNTS FROM MY CREDIT PROFILE. 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 explanation
Consumer complaint received 2025-02-23 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: WELLS FARGO & COMPANY
State: WY

Complaint narrative:
Wells Fargo locked my account, and I could not pay my loan. Therefore, the only option I had was to refinance through another lender.

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 2025-02-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: KS

Complaint narrative:
Obtained the loan in XXXX of 2023 and continuously made regular payments with the balance almost being paid off. They changed the interest rates and charged higher " service fees '', making the loan impossible to pay off at a 299 % interest rate with a {$150.00} service fee that they do not put it on your statements. When you try to communicate with them about the changes, they tell you they can not do anything to change and or fix the balance do. 
They are a predatory lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
All will be identified by the upcoming emails that are attached and thank you. I can be contacted immediately via email or personal contact at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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:
See attached letter for Equifax failing to properly verify a debt before furnishing it on my credit report. 

In XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court discussed how securitization does not necessarily alter a borrower 's obligations but may impact the party legally entitled to enforce the debt. If the reported debt has been securitized, Equifax must verify who has the legal right to report or collect on the debt. 

Additionally, in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court held that debt collectors must be able to substantiate the legitimacy and accuracy of the debt they are attempting to collect. This ruling reinforces Equifax 's responsibility to verify the accuracy of the debts reported on my credit file. 

Also Gramm leach bliley act violations. Properly verify that XXXX XXXX can show proof that this account has not been securitized. Provide the chain of title or I will be forced to take legal action for not properly following the FCRA. This is ridiculous! Even my name is STILL incorrect and you refuse to update it after MULTIPLE letters addressing this!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 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:
I am writing to formally request that the fraudulent accounts listed below be blocked and permanently deleted from my credit report as I am a victim of identity theft. Under 15 U.S. Code 1681c-2 ( a ) ( Section 605B of the Fair Credit Reporting Act ), I have the legal right to request the immediate removal of fraudulent information associated with identity theft from my credit file.

Fraudulent Accounts to Be Deleted : XXXX XXXX XXXX XXXX  Account Number : XXXX Fraudulent Amount : {$240.00} Date Discovered : XX/XX/XXXXXXXX XXXX XXXX XXXX  ( Fraudulent Federal Student Loan ) Account Number : XXXX Fraudulent Amount : {$4700.00} Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX Legal Basis for Request :

According to 15 U.S.C. 1681c-2 ( a ) ( FCRA Section 605B ) : " A 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 of a request from the consumer to block such information. '' Requested Actions : Block and permanently delete the fraudulent accounts from my credit report. Provide written confirmation stating that these accounts have been removed. Send an updated copy of my credit report reflecting the corrections. Timeframe for Compliance : As required by FCRA Section 605B, you are legally required to process this request within 4 business days from the date of receipt. If you require any additional information, please contact me immediately using the contact details listed above. I appreciate your prompt attention to this matter and expect confirmation of the deletion of these fraudulent accounts from my credit file. 

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 2025-02-23 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 am writing to formally request that the fraudulent accounts listed below be blocked and permanently deleted from my credit report as I am a victim of identity theft. Under 15 U.S. Code 1681c-2 ( a ) ( Section 605B of the Fair Credit Reporting Act ), I have the legal right to request the immediate removal of fraudulent information associated with identity theft from my credit file.

Fraudulent Accounts to Be Deleted : XXXX XXXX XXXX XXXX  Account Number : XXXX Fraudulent Amount : {$240.00} Date Discovered : XX/XX/XXXXXXXX XXXX XXXX XXXX  ( Fraudulent Federal Student Loan ) Account Number : XXXX Fraudulent Amount : {$4700.00} Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX Legal Basis for Request :

According to 15 U.S.C. 1681c-2 ( a ) ( FCRA Section 605B ) : " A 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 of a request from the consumer to block such information. '' Requested Actions : Block and permanently delete the fraudulent accounts from my credit report. Provide written confirmation stating that these accounts have been removed. Send an updated copy of my credit report reflecting the corrections. Timeframe for Compliance : As required by FCRA Section 605B, you are legally required to process this request within 4 business days from the date of receipt. If you require any additional information, please contact me immediately using the contact details listed above. I appreciate your prompt attention to this matter and expect confirmation of the deletion of these fraudulent accounts from my credit file. 

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