vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-06 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:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 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: Exeter Finance, LLC.
State: MI

Complaint narrative:
I filed a dispute with XXXX I received a response stating that their investigation proved the accounts as belonging to me but I submitted documentation proving I was incarcerated at the time the account were opened

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: CA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it. 
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 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 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 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 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 2025-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: NY

Complaint narrative:
I am filing a complaint regarding Chimes failure to properly handle a dispute on my account. During XX/XX/year>, a total of {$1500.00} was withdrawn from my account across XXXX transactions by merchants, Chime, and XXXX. I believe these transactions were unauthorized and invalid. 

I submitted a dispute to Chime on XX/XX/year>, providing all necessary details and evidence. Despite this, Chime has failed to resolve the matter or refund the funds to my account. I contacted the merchants XXXX and XXXX NY, and both confirmed that there is no account in my name in their systems. Furthermore, these platforms require users to be XXXX  years or older to create an account, and as I am XXXX XXXX XXXX, it would have been impossible for me to open or use an account with them. 

Despite presenting this information to Chime, they have not provided a satisfactory resolution. The merchants involved are not listed on the CFPB portal, so I am holding Chime responsible under Regulation E of the Electronic Fund Transfer Act to investigate these transactions and refund the unauthorized charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: PA

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to XXXX XXXX XXXX and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 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: Fidelity National Information Services, Inc. (FNIS)
State: MN

Complaint narrative:
Attached is a police report for Chex Systems , Inc., For Consumer Financial Protection Bureau Report Number : XXXX I sent to Chex Systems . I want Chex Systems to immediately delete and remove the fraudulent and unauthorized inquiries viewed by others and me from my Chex Systems XXXX Report ID : 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 2025-01-05 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:
I'm writing to formally dispute the inaccurate & inconsistent information on my credit report which violates the fair credit reporting act below I have detailed discrepancies in Inaccuracies I have identified and request these items be thoroughly investigated I request these items be removed from my credit report for violating the fair credit reporting act. 

Experian XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX  Account # 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 2025-01-05 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:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$150000.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$35000.00} Late/Open XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$260000.00} Late/closed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, PA XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/year> To : Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Direct Dispute of Inaccurate Account Information Dear Sir/Madam, I am writing to dispute an item on my credit report associated XXXX XXXX XXXX XXXX  XXXX I have no knowledge of this account and do not recognize it as mine. The account listed under XXXX XXXX XXXX  is inaccurate and I am requesting that it be investigated and removed from my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 3 ) ( A ), I am submitting this direct dispute to Experian, as the credit reporting agency. I previously disputed this account ; however, I now have additional information that supports my claim of non-ownership of the account. 
Please find attached the following documents for your reference : Identification I request that you promptly investigate and remove this information from my credit report. If further information is needed, I can be reached at ( XXXX ) XXXX or via email at XXXX. 
Thank you for your attention to this matter. I look forward to your timely resolution. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: January Technologies, Inc
State: NC

Complaint narrative:
I have come to find that I have XXXX debts reporting on my credit report with XXXX XXXX XXXX. Based on research they have sold this debt to a third party debt collector by the name of XXXX. I have not received any written communication regarding these XXXX debts that are reporting on my credit report. XXXX being for XXXX and the other being XXXX. 

Both items are reporting on my credit report from XXXX XXXX XXXX but have been sold to XXXX. These negative reports has cause hardship in my life. Please investigate as communication has not been properly communicated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: WA

Complaint narrative:
I have been working with non-profit companies as a XXXX XXXX for 10+ years. I made my 120th PSLF payment in early 2024. I submitted a final Employment Certification Form ( ECF ) and Application for Forgiveness on XX/XX/year>. It has been " in review '' since this date. 

Per my research, Studentaid.gov is processing electronic PSLF Help Tool ECFs within 72 hours, but is not processing manual forms at all.

My current employer ( XXXX XXXXXXXX XXXX XXXXXXXX ) refuses to sign the PSLF Help Tool electronic form, and will only sign the manual PSLF ECF.

I have sent multiple requests for Student Aid.gov to process my manual ECF form in a timely manner. They keep saying wait.

This is a formal complaint about the lack of timeliness in processing my form. I have earned forgiveness through 10+ years of non-profit work. This delay in my form processing is affecting my employment options, and it is affecting my life.

Please help me by pressuring Studentaid.gov to process my form. Thanks!

Company response to consumer: Untimely response
Consumer complaint received 2025-01-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Outsource Group, Inc
State: TX

Complaint narrative:
XXXX XXXX of XXXX agreed to let me pay them {$62.00} a month the last XXXX months approximately for a hospital bill regarding a leg XXXX I had XX/XX/XXXX of XXXX. They never called me to notify me they would be sending the debt to collections to medicredit. They did confirm however it was sold XXXX XXXX. 
Medicredit claims I dont owe them but it may take a few months to show up on the report with them and the new information. I dont think they did the right thing to not ask to negotiate with me first. I have paid this bill faithfully too the last XXXX  years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: NC

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XX/XX/year> XXXXXXXX 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 2025-01-05 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: Experian Information Solutions Inc.
State: KS

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Credit Department I am writing in regard to the account with your company, which is associated with the following information : Account XXXX Your Name : XXXX XXXX Please note that I am not disputing the debt in question. I am simply requesting the following details for my records : XXXX. Date of First Delinquency The first date that the account became delinquent. 
XXXX. Date of Last Payment The most recent payment made on the account. 
XXXX. Date of XXXX The date the account was charged off. 
XXXX. A copy of the XXXX showing the charge off information I kindly ask that you provide this information as soon as possible. Please feel free to contact me at [ your phone number ] or [ your email address ] if you require any additional information to process my request. 
Thank you for your prompt attention to this matter. 
Sincerely, [ XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: Experian Information Solutions Inc.
State: KS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UTAH XXXX Dear Credit Department I am writing in regard to the account with your company, which is associated with the following information : Account Number : XXXX Your Name : XXXX XXXX Please note that I am not disputing the debt in question. I am simply requesting the following details for my records : 1. Date of First Delinquency The first date that the account became delinquent.

2. Date of Last Payment The most recent payment made on the account.

3. Date of Charge-Off The date the account was charged off.

I kindly ask that you provide this information as soon as possible. Please feel free to contact me at [ your phone number ] or [ your email address ] if you require any additional information to process my request. 
Thank you for your prompt attention to this matter. 
Sincerely, [ XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: WA

Complaint narrative:
XXXX XXXX has XXXX accounts that are inaccurately reported as charged off and consumer remarks states profit/loss write off yet I have not received a XXXX indicating cancellation of the debt. Please investigate and remove this account if it can not be verified due to inaccurate reporting. 

If XXXX XXXX  has charged off this debt they should have issued a XXXX. The absence of a XXXX indicates that the debt is still considered collectible, which is inconsistent with the charge-off status. Please either remove the charge off status from XX/XX/year> to beginning of charge off reporting or send verification of debt cancellation through 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 2025-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: PR

Complaint narrative:
It has come to my attention that the Company PORTFOLIO RECOV ASSOC has acquired the account due to material misrepresentation, fraud, and Identity Theft pursuant to 15 USC 1681a ( q ) ( 3 ) and RCW 9.35.020. The Original Creditor failed to legally obtain consent to sell, transfer, or disclose any account information with your company or any other non-affiliated third party as mandated by 15 USC 6802 of the GLBA. Failure to provide FULL disclosure of material information constitutes an unfair method of competition and unfair & deceptive acts of FRAUD. When fraud leads to the formation of a contract, the contract becomes unenforceable, and the defrauded party may void it upon discovery of the fraud. Thus, it is hereby notified that upon discovering FRAUD associated with the contract between the consumer and the original creditor, the contract is now VOID. Consequently, ANY and ALL consent to possess, use, and share private information obtained by, through, or from the contracted original creditor is hereby REVOKED, TERMINATED, CANCELED, and RESCINDED pursuant to RCW 19.86.020 & WAC 284-04-215 ( 6 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Ava Finance, Inc
State: PR

Complaint narrative:
Ava XXXX has clearly violated my rights. According to the law, a creditor may not report a late payment unless a notice is sent XXXX  days prior to the due date, as outlined in 15 U.S.C. 1666 ( b ). I never received such a notice. If Ava Finance claims to have sent it, please provide proof by showing a tracking number and a green return receipt confirming I received it.

Additionally, Ava Finance has incorrectly reported that I was on time on certain dates but late on others. This discrepancy is clear and will be evident to a judge. I request that Ava Finance immediately update my payment history to reflect payments as agreed, as this incorrect reporting has negatively impacted my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: VA

Complaint narrative:
I disputed inaccuracies on my TransUnion credit report. I mailed my dispute and supporting documents before XX/XX/year>, but the certified mail tracker shows that it was picked up at XXXX XXXX  on XX/XX/year>. TransUnion responded on XX/XX/year>, claiming that my identity couldnt be verified. 

In my dispute, I provided all necessary identity documents, including a drivers license, a bank statement, and a XXXX, all of which meet the requirements outlined in the Fair Credit Reporting Act ( FCRA ). 

Despite submitting these documents, TransUnion refused to process my dispute, citing identity verification issues. I believe this refusal is a stalling tactic to avoid properly investigating the inaccuracies on my report. 

I am requesting that the CFPB intervene and require TransUnion to conduct a thorough investigation into the disputed items to ensure accuracy on 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