vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-14 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: FL

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-01-14 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: NC

Complaint narrative:
According to 34 CFR Part 99 Family Education Rights and Privacy, the credit agencies Experian, XXXX, and XXXX are listing my confidential information regarding student loans on my credit report without my written authorization. The Code of Federal Regulations state that a third party must obtain " written authorization '' from a student to share confidential information from an educational institution.

Experian is currently being sued by the CFPB for failing to handle disputes properly ( XXXX XXXX. XXXX ). Please see that this complaint reaches 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 2025-01-14 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: GA

Complaint narrative:
I have been trying to resolve these issues on my credit report for A while now. Experian, has not been cooperative in my pursuit to get these issues resolve. In my disputes, I keep stating that these items are in violation of the fcra, and in-fact inaccurate their investigation ( s ) have not fixed these issues. I have been trying to get this addressed, but Experian won't cooperate and is ignoring my letters and complaints.

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 2025-01-14 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: TN

Complaint narrative:
I inquired about the verification process of my public records on my credit report because I am a victim of the data breach. Both transunion and XXXX stated that they verified through the courts clerk. I messaged the courts clerk and they assured that they DO NOT provide any information to the credit bureaus, which makes both investigations from the bureaus false and unauthorized verification investigations

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 2025-01-14 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: LA

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 TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my Chase Bank account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2025-01-14 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: FL

Complaint narrative:
My information was released in multiple data breach including my bank at XXXX XXXX and Experian. I have filed identity theft multiple time including in the new breach notice I have seen. I had to file a police report months back due to my identity being used XXXX XXXX XXXX  According to 605B of the Fair Credit Reporting Act ( FCRA ) I would like all negative marks and inquiries on my account 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 2025-01-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: TN

Complaint narrative:
it shows that this debt was placed min collection XX/XX/year> for the amount of {$660.00}

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 2025-01-14 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: NJ

Complaint narrative:
Mohela continued to process ACH payments from the checking account after the student loan was paid in full and Mohela 's ( documented ) awareness the loan was already paid in full.

I have contacted Mohela numerous times, using Mohela 's forms, to request a refund of overpayments. Mohela is unresponsive. As my loans are paid in full, Mohela has blocked access to their online platform and/or customer service representatives.

I bring this to the CFPB as Mohela is incompetent and this refund is long overdue. 
Thank you in advance for your kind attention. 
Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: PA

Complaint narrative:
On XX/XX/year> this account was opened on my credit report. On my credit report is states that this company is THE ORIGINAL CREDITOR of this debt which is FALSE. Upon further research, I found that this account was ORIGINALLY a XXXX  account which I DID NOT OWN. I did not open a XXXX  account In XXXXXXXX XXXX XXXX  or any time prior. This information is FALSIFIED on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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: WI

Complaint narrative:
I have submitted over XXXX disputes to Experian on behalf of accounts which I identified as fraudulent on my credit report. I have submitted a FTC report and dispute letter along with identification to Experian with no response. The first dispute Experian verified these accounts to be correct I then submitted another dispute requesting for documentation or inquired how did Experian verify. I have contacted the company in which was connected to XXXX XXXX  XXXX and I was notified that they had no information in regards to this item being sent to collections or can provide me any documentation in which was used to report to my credit file. I then submitted this information to Experian and my dispute has been " under investigation '' for over 45 days which legally exceeds tremendous time to verify and investigate based on the FCRA and 15 USC 1681 by law. Experian must immediately delete these accounts of XXXX XXXX XXXX and XXXX resource management from my credit report as they have failed to investigate in a timely manner. These items are effecting my ability to obtain housing, employment and stability for not only myself but my wife and children. This has caused a major hurdle in my life as I did not obtain these accounts or signed no such contract with either company. I am asking that you investigate and assist me in getting this matter handled as soon as possible.

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 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to dispute the presence of incorrect address information on my credit report. The only correct address associated with me is : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. 

However, my credit report lists the following incorrect addresses, which I have never lived at : XXXX. XXXX North XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXXXXXX XXXX XXXXXXXX I kindly request that you investigate this matter and remove these incorrect addresses from my credit file. Enclosed, you will find a copy of my government-issued ID and a utility bill as proof of my correct address. 

Please confirm in writing once the corrections have been made. Thank you for your prompt attention to this matter. 

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 2025-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: GA

Complaint narrative:
On XX/XX/XXXX I received an email from Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX - XXXX XXXX  Central Time The email reads : Dear XXXX XXXX XXXX XXXX Description : Badcock Account Number : XXXX Current Creditor : Jefferson Capital Systems XXXX XXXX XXXX Number : XXXX The purpose of this letter is to advise you that Jefferson Capital Systems , LLC is XXXX new owner of the above-referenced account. Accordingly, please include the XXXX Reference Number on all correspondence. 

No collection efforts will occur on this account for at least 30 days from the date of this notice. 

The debt to XXXX was paid in full on XX/XX/XXXX to XXXX XXXX for the agreed amount. I have not heard of this creditor nor do I owe them. And I have proof of paying the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: IL

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

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 2025-01-14 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: DC

Complaint narrative:
I received notice that a hard inquiry into my credit was run, however I didn't authorize this nor had I recently applied for any new accounts or loans. 

The credit inquiry came from XXXX XXXX XXXX  on XX/XX/year>, and after calling them they confirmed that there was a recent application for a credit card using my information ( with a different phone number ). I informed them I did not submit an application, so they marked the application as fraudulent and cancelled it. 

The hard inquiry into my credit now appears on all three major credit bureaus ( TransUnion, XXXX, and XXXX ), and I'd like to ensure that this is removed from my record- along with any necessary fraud monitoring that needs to take place for my information. I first tried calling TransUnion to do this, and they informed me that I should first create a report with the FTC.

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 2025-01-14 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 AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
I am writing to formally request your compliance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 US 1681e ( b ) and 15 USC 1681 ( a ) ( 5 ).

Under 1681e ( b ), the FCRA requires that a consumer reporting agency must follow reasonable procedures to ensure maximum possible accuracy of the information in consumer reports. I believe that there may be inaccuracies in my credit report that do not comply with this standard. Please provide me with the details of the procedures you follow to verify the accuracy of information reported.

Additionally, according to 1681 ( a ) ( 5 ), when a consumer disputes the accuracy or completeness of information in their credit report, the agency is required to investigate and provide results of the investigation within 30 days. I am requesting that you conduct a thorough investigation of the disputed information and inform me of the findings. 

I appreciate your prompt attention to this matter and look forward to your response within the time frame specified by the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: STATE BANKSHARES, INC.
State: MN

Complaint narrative:
I am seeking assistance with collecting damages from Bell Bank. I have banked with them or a few years no problem. One 'manager ' is going to great extremes in the call center to protect his supervisor. He calls me up, like today and interrupts my work at the office to 'review " prior phone calls. He claims I was upset, and he was 'standing behind " his supervisor. XXXX keeps threatening to close my account because I ask any question. XXXX is harassing me as I have never called back to customer service. He watches my account and calls me up to 'remind ' me how XXXX ' I should be when I call Bell Bank and argues with me when no assistance was requested. My returns to my card were not refunded. XXXX XXXX XXXX, XXXX Overdraft on return rent payment thanks to XXXX. XXXX for XXXX XXXX  Dispute, Open amount for damages including emotional distress and harassment by 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 2025-01-14 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:
Old cfbp complaint numbers I am having the same issues XXXX XXXX XXXX " I believe these entry on my credit report is a result of willful non-compliance and fraudulent practices by the creditor, violating **15 U.S. Code 1681i ( FCRA ) ** . Immediate correction is required. ''

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 2025-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
This is in regards to XXXX XXXX account on my credit report. Since it is listed as written off/profit and loss/ charge off, they were supposed to provide me with a 1099-C so I could write it off as income. My report shows I still owe money even though it was written off. Please advise

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: RI

Complaint narrative:
Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please see the attached notarized and dated affidavit supporting my claim of inaccurate reporting on XXXX student loan accounts listed on my credit report. The accounts in question are as follows : DEPTEDXXXX ( Account Number : XXXX ) DEPTEDXXXX ( Account Number : XXXX ) DEPTEDXXXX ( Account Number : XXXX ) DEPTEDXXXX ( Account Number : XXXX ) DEPTEDXXXX ( Account Number : XXXX ) DEPTEDXXXX ( Account Number : XXXX ) The reported XXXX late payments on these accounts are inaccurate. During the dates you are reporting as late, my loans were in deferment. XXXX, the servicer, has already confirmed that I was never late on these accounts. Furthermore, I was part of a class action lawsuit filed against XXXX in XXXX for abusive and predatory practices. As a result of the lawsuit, XXXX agreed to delete inaccurate information, yet these errors persist on my credit report in XXXX. 

I am requesting that these accounts be immediately updated to reflect the correct status : paid as agreed, never late. Failure to resolve this matter promptly will leave me with no choice but to take further legal action to enforce my rights under 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