vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-24 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: IL

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: TN

Complaint narrative:
Please remove these fraudulent accounts from my credit report, as I did not open them and was unaware of their existence. According to USC 1681g, I request their deletion within 15 days. Enclosed are supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: NC

Complaint narrative:
MOHELA refuses to help get me on the PAYE income plan while I remain in limbo on SAVE. They are telling borrowers despite on their website directing them to submit the IDR plan request via StudentAid.gov electronically - then refuse to process it because there is not a " wet '' signature. This is unethical and an attempt to harm us with false information. MOHELA is stopping me from moving towards PSLF and is behaving unethically and fraudulently towards borrowers. All I want to do is be place on administrative forbearance to switch from SAVE to PAYE. All I want to do is pay my loans. All I want to do is the right thing, but they refuse to lift a finger and seek to delay, frustrate, and hinder people from moving forward with their lives.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: DApps Platform, Inc.

Complaint narrative:
I invested to XXXXXXXX XXXX XXXX  ( XXXXXXXX XXXX XXXX ) on the XXXX 's online platform under the environment provided by Trust Wallet at the persistent recommendation of XXXX, an employee of XXXX XXXX, from the beginning of XX/XX/year> to XXXX. On XXXXXXXX XXXX in transaction under XXXX XXXX supervision and direction I lost total about XXXX. All of my money of XXXX disappeared and caused an additional loss of about XXXX. I think that XXXX negotiated with XXXX XXXX and manipulated transaction with me on XXXX 's online platform, causing tremendous losses. I strongly protested to XXXX and XXXX XXXX that this transaction is a fraud in which XXXX and XXXX conspired to take away my money ( XXXX ). However, they said that they are not responsible for anything and are blaming me. Please help me get my money back from XXXX and XXXX. - Amount that was taken by XXXX and XXXX : XXXX. - I asked Trust Wallet to investigate this case and cooperate to get my money back, but there is no answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS
State: AZ

Complaint narrative:
Ive been struggling to switch car insurance companies because my current rates are really high. Every time I look for new coverage, Im quoted high rates due to inaccurate reports from XXXX to LexisNexis. One issue stems from a serious car accident where I was not at fault, as confirmed by the police report and other documentation. Additionally, I inquired about the cost to repair a small dent on a car I no longer own, but this was incorrectly recorded as a claim on my insurance and LexisNexis reports. I never filed a claim or pursued any repairs ; I was simply trying to gather information. Now, despite having a good driving record, I cant get a lower rate because of these erroneous reports. I have spoke to all state several times about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I have filed complaints with the three bureaus regarding the status of my credit report, which still contains negative items. The incorrect information listed on my credit report has greatly affected me due to the unfavorable perception from creditors. I am seeking to have the negative items removed from my credit report. Therefore, I am requesting your assistance with this matter. If the credit bureaus do not take action, I am prepared to take legal action against them for the damage this has caused me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: NJ

Complaint narrative:
I am filing a complaint against transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, transunion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, transunion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure transunion complies with federal law and provides consumers with the necessary proof of investigation.

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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

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 2025-01-24 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: OH

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

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 2025-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Debt collector calls on a daily basis. I have answered several calls to inform them I did not open this account and have no knowledge of it. It was opened without my knowledge or consent. 

They do not have an actual date of the original credit card being opened just when the " bought '' the debt. I don't even know if they have an actual debt. 

When I spoke to the reps on the phone and told them this is not mine and fraud they say they will note and the very next day I get another call from a different rep saying they don't see those notes?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I am writing to formally file a complaint against Equifax, XXXX, and XXXX XXXX regarding their failure to conduct a proper investigation into inaccuracies on my credit report as required under the Fair Credit Reporting Act. Despite my repeated attempts to dispute erroneous information, These Bureaus has continued to report incorrect data and has failed to comply with their obligation. As a result, I recently applied for a Credit Card thru XXXX XXXX 's once again on XX/XX/year>, and was denied as a direct result of the information being reported. Violation of Consumer Rights : FCRA Section 605B, 15 U.S. Code 1692c, 15 U.S. Code 1692g ( b ), 15 U.S. Code 1681e ( b ), 15 U.S. Code 1681i ( a ), 15 U.S. Code 6802 : It is evident that Equifax, XXXX and XXXX XXXX has not fulfilled these obligations. The errors remain uncorrected, and I have received a response that either lacked meaningful investigation or attempts to stall the process. 
Requested Resolution - I respectfully request that the CFBB intervenes to : Ensure Equifax, XXXX XXXX, and XXXX conducts a proper investigation of the disputed information, verify that the inaccuracies are corrected or removed from my credit report. and Provide accountability for the credit bureau 's non-compliance with FCRA regulations. So that approval of credit is guaranteed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: IN

Complaint narrative:
I am writing to formally file a complaint against XXXX, Experian, and XXXX XXXX regarding their failure to conduct a proper investigation into inaccuracies on my credit report as required under the Fair Credit Reporting Act. Despite my repeated attempts to dispute erroneous information, These Bureaus has continued to report incorrect data and has failed to comply with their obligation. As a result, I recently applied for a Credit Card thru XXXX XXXX 's once again on XX/XX/2025, and was denied as a direct result of the information being reported. Violation of Consumer Rights : FCRA Section 605B, 15 U.S. Code 1692c, 15 U.S. Code 1692g ( b ), 15 U.S. Code 1681e ( b ), 15 U.S. Code 1681i ( a ), 15 U.S. Code 6802 : It is evident that XXXX, Experian and XXXX XXXX has not fulfilled these obligations. The errors remain uncorrected, and I have received a response that either lacked meaningful investigation or attempts to stall the process. 
Requested Resolution - I respectfully request that the CFBB  intervenes to : Ensure XXXX, XXXX XXXX, and Experian conducts a proper investigation of the disputed information, verify that the inaccuracies are corrected or removed from my credit report. and Provide accountability for the credit bureau 's non-compliance with FCRA regulations. So that approval of credit is guaranteed.

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 2025-01-24 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: TN

Complaint narrative:
Please remove these fraudulent accounts from my credit report, as I did not open them and was unaware of their existence. According to USC 1681g, I request their deletion within 15 days. Enclosed are supporting documents.

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 2025-01-24 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: TN

Complaint narrative:
Please remove these fraudulent accounts from my credit report, as I did not open them and was unaware of their existence. According to USC 1681g, I request their deletion within 15 days. Enclosed are supporting documents.

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 2025-01-24 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: PA

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ). Account is 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 2025-01-24 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: PA

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ). Account is 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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

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 2025-01-24 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: TX

Complaint narrative:
There are inaccurate and unverified hard inquiries on my credit score

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 2025-01-24 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: CA

Complaint narrative:
I disputed closed accounts that was paid in full that I no longer have these accounts are over 3-4 years old i disputed negative items, old home addresses, jobs collections that were paid and an charge off that's not accurate. the credit bureau are refusing to remove any of these items from my report I haven't gotten an response online any or any letters sent to my home address there's no communication between the credit bureau it's like they donr exist because they don't respond.

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 2025-01-24 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: CA

Complaint narrative:
I disputed closed accounts that was paid in full that I no longer have these accounts are over 3-4 years old i disputed negative items, old home addresses, jobs collections that were paid and an charge off that's not accurate. the credit bureau are refusing to remove any of these items from my report I haven't gotten an response online any or any letters sent to my home address there's no communication between the credit bureau it's like they donr exist because they don't respond.

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