vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-04 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: TX

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Texas XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Experian Information Services XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern : I was reviewing my credit report and found several inaccuracies that need to be corrected. I have attached documentation providing proof of my current address, as indicated on your website. 

To facilitate the removal process, here is a list of incorrect addresses that appear on my credit report and should be removed : XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, TX XXXX The only address that should remain on my report is : XXXX XXXX XXXX, XXXX XXXX, XXXX, Texas XXXX Additionally, I noticed that my name appears to be misspelled on my credit report. My name has only one correct spelling, and there should be no variations listed. I have attached a copy of my photo ID to verify the correct spelling. The incorrect name variations currently listed are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I request the removal of the following incorrect employer information : XXXX XXXX XXXX XXXX XXXX XXXX only employer that should remain listed on my credit report is : XXXX, XXXX XXXX XXXX XXXX The inaccuracies and incorrect information in my credit report are in violation of several federal laws, which are as follows : 15 U.S. Code 6801 : Protection of personal information 15 U.S. Code 6802 : Obligations regarding disclosure of personal information 15 U.S. Code 6803 : Disclosure of privacy policies 15 U.S. Code 1681e ( b ) : Accuracy of credit reports 15 U.S. Code 1681a ( d ) ( 2 ) : Exclusion of certain transactions from credit reports 18 U.S. Code 1028A : Aggravated identity theft I kindly request that these inaccuracies be corrected promptly to ensure compliance with federal laws and that my credit report remains accurate and up to date. Once the incorrect information has been removed, please send me a copy of my updated credit report for verification. 

Thank you for your attention and assistance in this matter. I look forward to your swift response. 

Sincerely, 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 2025-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: CO

Complaint narrative:
XXXX complaint resolved in my favor and charge was. to be removed. NOW 4 MONTHS LATER THEY KEEP BILLING ME, ADDING INTEREST AND REPORTED ME TO CREDIT BUREAUS

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: SC

Complaint narrative:
I am writing to formally request specific details regarding the charge-offs that has been reported on my consumer report by XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I am requesting verification of the following information : 1. Date of First Delinquency Please provide the exact date on which my account first became delinquent with the above-listed entities.

2. Date of Last Payment Please confirm the date of the last payment made on this account.

3. Date of charge-off- Please confirm the date of charge off 4. Complete Terms and Agreement I request a copy of the full terms and agreement of the contract associated with this account, including any signed documents that outline the original contractual obligations. 
Additionally, I request copies of any records or documents that support the reporting of this account, including any notices sent regarding the charge-offs. If any of the reported information is inaccurate or unverifiable, I expect its immediate removal from my credit report. 
Please consider this letter a formal request for information, and I require a response within 15 days from the date of this letter. Failure to respond within this time frame may result in further action to enforce my rights under the law.

You may send the requested information to the address listed above. If you require any additional details from me to process this request, please contact me promptly.

Thank you for your time and cooperation. The attached letter will give account number and proof of identification.

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 2025-02-04 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: TX

Complaint narrative:
My identity was stolen and fraudulent accounts were opened in my name.

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 2025-02-04 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:
My identity was stolen and fraudulent accounts were opened in my name.

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 2025-02-04 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX. 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 2025-02-04 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX. 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 2025-02-04 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: NY

Complaint narrative:
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, 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 2025-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: LA

Complaint narrative:
Sent a certified request for debt validation and attempted to resolve the matter amicably. Did not claim the debt as my own. I tried a XXXX resolution but was not notified of my right to dispute the account. I attempted a XXXX time via phone and could not resolve it, nor did I receive validation of my debt. These are violations of the Fair Debt Collection Practices Act ( FDCPA ), and I am entitled to redress them as needed.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Date XX/XX/year>XXXX  I went in to Bank of america XXXX XXXXXXXX, fl location I meet with a bank rep by the name of XXXX at the branch where i exchanged my information such as my SSN and signature turning this application not only to bank with XXXX XXXX for there XXXX XXXX XXXX XXXX XXXX  account but It also turned the application into a XXXX XXXX the moment i signed that would be traded on the secondary markets this application was submitted around XXXX I received an email at XXXX ( Application ID : XXXX stating the application was denied with no reason as to why I contacted XXXX spoke with a rep and he stated they do not have a specific reason and refused to provide the denied application according to the Fair Credit Reporting Act Bank Of America which is a Bank must inform me XXXX XXXX the consumer/secured investor/Grantor/ Bank of America as a Fiduciary to my extended accounts why my credit extended account application was denied Equal Credit Opportunity Act ( ECOA ) Prohibits banks from discriminating against applicants based on race, color, religion, national origin, sex, marital status, age, or receipt of public assistance. 
Civil Rights Act ( Title II & Title VI ) Prevents discrimination in businesses and financial services.

Community Reinvestment Act ( CRA ) Encourages banks to serve low- and moderate-income communities fairly.

Bank Secrecy Act ( BSA ) & Know Your Customer ( KYC ) Regulations Banks must verify identities but can not refuse an account unfairly.

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 2025-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-02-04 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: Experian Information Solutions Inc.
State: IL

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 explanation
Consumer complaint received 2025-02-04 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: IL

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 explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: FactorTrust, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX Date : XX/XX/year>XXXX  To : FactorTrust , Inc. XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to Update Public Records with Phone Number Dear FactorTrust Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Thank you for your attention to this matter. Please feel free to contact me at XXXX or via email at XXXX if you have any questions or need further information. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit was checked because I was applying for a home loan. I was told that I had a student loan of {$860.00}. And also a debt of {$600.00} from XXXX XXXX in which I knew nothing about. On.XXXX I called XXXX XXXX XXXX XXXX XXXX if I can set up a payment for the debt in question. I was informed that they could not find any debt Previously or presentlyin their records. Pn XX/XX/year> I looked up my own credit, I also saw the debt and found the 3rd party in which the so-called debt was sold to called XXXX. I spoke with a representative. She went back-and-forth with me about this debt and I was trying to explain to her that I spoke with someone at the college, and they insisted that there was not a debt owed by me. The representative from the college also stated that they could call them and they would tell them that its not a balance in my name. The agent I spoke with from XXXX  was not trying to give any information as to how to fix this she was just trying to collect money that the college said I didnt even owe in the first place. The conversation ended with her not listening, being rude and hanging up in my face. I then called Trans Union and their idea of fixing the issue was to pay them {$140.00} a month to correct something that shouldnt even be on my credit in the first place, which was crazy to me if there is no debt why am I paying you {$140.00} to correct something that shouldnt be on my credit in the first place along with the other {$600.00} debt. He kept repeating about the {$140.00} until finally I told him thank you but no thank you because that was unfair. He was doing a plug to get the {$140.00} more than trying to help me with figuring out where the issue came from in the first place. On the 2nd debt of {$600.00} I have no recollection of owing any money to XXXX  XXXX l. So I tried to call that third-party and I ask about a 1099C form because I saw that it was a charge off and that person act like they were unaware of what I was speaking of.

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 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
My credit was checked because I was applying for a home loan. I was told that I had a student loan of {$860.00}. And also a debt of {$600.00} from XXXX  XXXX  in which I knew nothing about. XXXX I called XXXX XXXX XXXX to see if I can set up a payment for the debt in question. I was informed that they could not find any debt Previously or presentlyin their records. Pn XX/XX/25 I looked up my own credit, I also saw the debt and found the 3rd party in which the so-called debt was sold to called XXXX. I spoke with a representative. She went back-and-forth with me about this debt and I was trying to explain to her that I spoke with someone at the college, and they insisted that there was not a debt owed by me. The representative from the college also stated that they could call them and they would tell them that its not a balance in my name. The agent I spoke with from conserve was not trying to give any information as to how to fix this she was just trying to collect money that the college said I didnt even owe in the first place. The conversation ended with her not listening, being rude and hanging up in my face. I then called XXXX XXXX and their idea of fixing the issue was to pay them {$140.00} a month to correct something that shouldnt even be on my credit in the first place, which was crazy to me if there is no debt why am I paying you {$140.00} to correct something that shouldnt be on my credit in the first place along with the other {$600.00} debt. He kept repeating about the {$140.00} until finally I told him thank you but no thank you because that was unfair. He was doing a plug to get the {$140.00} more than trying to help me with figuring out where the issue came from in the first place. On the 2nd debt of {$600.00} I have no recollection of owing any money to XXXX  XXXX l. So I tried to call that third-party and I ask about a 1099C form because I saw that it was a charge off and that person act like they were unaware of what I was speaking of.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
( Portfolio Recovery ) IS REPORTING THESE ACCOUNTS ON MY CONSUMER REPORT THAT IS UNVERIFIED AND INACCURATE AND PAST THE STSATUE OF LIMITATIONS, AND PAST THE STATUE OF LIMITATIONS FOR COLLECTION. ( 4 ACCOUNTS ) THIS IS A VIOLATION OF THE FCRA AND FDCPA. THIS ACCOUNT/ACCOUNTS NEEDS TO BE DELETED IMMEDIATELY. IF THESE ACCOUNTS ARE NOT DELETED WHITIN 7 DAYS I WILL BE SEEKING REMEDY UP TO {$1000.00} PER VIOLATION UNDER THE FCRA AND FDCPA FOR EVERY VIOLATION AND EVERY MONTH THESE ACCOUNTS HAVE BEEN REPORTING ON MY CONSUMER REPORT. I WILL ALSO BE SEEKING FOR STATUTORY AND PUNITIVE DAMAGES AS WELL. I WILL BE TAKING LEGAL ACTION AGAINST ( PORTFOLIO RECOVERY ) BECAUSE YOUR COMPANY IS THE ONE REPORTING THE ACCOUNT ON MY CONSUMER REPORT. EVEN IF YOU ARE HIRED OR CONTRACTED BY ANOTHER COMPANY, I WILL BE SEEKING AND TAKING ACTION AGAINST YOUR COMPANY. YOU HAVE 7 DAYS. THANK YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
I have requested by phone on two occasions to receive a copy of Verification of Dept owned to Portfolio Recovery Associates. LLC along with a 1099-C for Tax purposes since the original creditor sold the debt to them and most importantly the CHAIN OF ASSIGNMENT. It is all so not clear how much the debt was sold to Portfolio Recovery Associates , LLC in which may be far less than what's currently reporting on my credit report which would be a result of false reporting and fraud on the behalf of Portfolio Recovery Associates , LLC resulting in legal actions to be taken next. It is my belief that Portfolio Recovery Associates are in violation of the SECURITIZATION ACT. Which clear states that a debt can not be resold once sold. In this case the original creditor sold the debt to a trust in order to take the tax credit and the debt was resold to the collection company of a fraction of the original amount owed the original creditor thus violating the SECURITIZATION ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: OK

Complaint narrative:
I called Mohela and told them the loans were still on my credit report. They said it would take time to remove them. They have since added more loans to my credit report. The loans were forgiven in borrowers defense in a court case named XXXX XXXX XXXX. They should have been removed over a year ago. And now they are adding more instead of removing them all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation