vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-08 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: IN

Complaint narrative:
XXXX'I am filing a complaint against XXXX XXXX XXXX and the credit bureaus (TransUnion, XXXX, and XXXX) for failing to comply with the FCRA regarding two accounts reported on my credit report with balances of XXXX  and XXXX  delinquent since XXXX XXXX charged off in XXXX XXXX  and closed in XXXX XXXX XXXX XXXX XXXX, I filed a direct dispute with XXXX XXXX via Certified Mail, requesting validation of these accounts. I sent follow-up Certified Letters on XXXX XXXX XXXX, which were delivered on XXXX XXXX and XXXX, XXXX, tracking numbers XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX XXXX Premier confirmed receipt during a call on XXXX XXXX XXXX and stated they sent responses on XXXX XXXX XXXX XXXX XXXX XXXXI received five letters from XXXX XXXX on XXXX XXXX XXXX, but they were all computer generated form letters, boilerplate responses with no proper FCRA approved means of validation under the FCRA (15 U.S.C.  1681s-2(a)(8)). \n\nThe letters did not include the original credit agreements, the letters did not include complete payment histories, or itemized statements to substantiate the balances, charge-off, or reported information. Instead, they provided generic statements and one-page mini-summaries severely lacking sufficient evidence.\n\nI also filed disputes with the credit bureaus:XXXX XXXX XXXX XXXX, I disputed the accounts with XXXX, but they upheld them on XXXX XXXX XXXX, in a one-day investigation that I believe was inadequate under the FCRA (15 U.S.C.  1681i(a)(1)). XXXX  results listed the same account number for both accounts, indicating a merging errorXXXX XXXX XXXX XXXX  I filed disputes with TransUnion and XXXX, citing inconsistent reporting (e.g., highest balances varying between XXXX XXXX XXXX conflicting statuses like Paid, Closed vs. Charged off) and the merged accounts issue. Responses are due by XXXX XXXXXXXX XXXX XXXX failure to verify the accounts means they must cease reporting them to the credit bureaus. The credit bureaus failure to remove these unverified accounts violates the FCRA (15 U.S.C.  1681i). These accounts continue to harm my credit, labeled as Potentially Negative with a significant negative impact. I request that the CFPB investigate XXXX XXXX inadequate response and the credit bureaus failure to remove the unverified accounts, ensuring compliance with the FCRA.'

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 2025-05-08 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: NC

Complaint narrative:
I am writing to formally dispute a public record that has been erroneously or fraudulently associated with my name and personal information. I believe that this record is inaccurate and the result of identity theft or other fraudulent activity. After reviewing the details of this record, I am certain that I have not been involved in the circumstances listed. It appears that my identity has been used fraudulently. I have taken steps to address this issue with the relevant authorities and will be filing a report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: LEXISNEXIS
State: GA

Complaint narrative:
Reported XX/XX/year> by Lexis Nexis Consumer Center .. No amount. There is no judgement or Lien ( Bankruptcy ). Reference # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: WA

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), you are legally obligated to verify the accuracy and legitimacy of any disputed information within 30 days of receiving this notice. If the disputed information is the result of a data breach, the FCRA further requires that it be removed or blocked within 4 business days. Should you be unable to verify the item, you are required by law to delete it from my credit report.

I have submitted a notarized affidavit affirming that my credit file contains fraudulent accounts and unauthorized inquiries. In light of this sworn declaration, I am requesting immediate action to delete or block the disputed entries in order to prevent further harm and ensure full compliance with federal law.

If you fail to verify the disputed information and continue to report it in violation of the FCRA, I will be compelled to pursue legal remedies, including actual damages and declaratory relief, under FCRA 616 Civil Liability for Willful Noncompliance [ 15 U.S.C. 1681n ]. For your reference, I have enclosed a copy of this statute. This provision grants me the right to initiate legal proceedings in any appropriate federal or state court, including small claims court.

I trust you will address this matter promptly and in full compliance with your legal responsibilities.

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 2025-05-08 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: Westcreek Financial
State: NY

Complaint narrative:
I have formally reported an error regarding incorrect information sent by the credit bureau through my email. I am disputing a mistake on my credit card statement and requested an investigation, but the company has failed to act. I expect immediate attention to resolve this matter. Furthermore, I request a confirmation receipt to ensure I am kept informed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Tromberg, Miller, Morris & Partners, PLLC
State: FL

Complaint narrative:
I am a victim of identity theft, as documented in my attached FTC Identity Theft Report ( XXXX XXXX ). I have never applied for, opened, or authorized any account with XXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX, XXXX. The alleged account ( ending in XXXX ) was opened fraudulently without my knowledge or consent. Despite providing clear evidence of identity theft, Tromberg, Morris & Partners, PLLC continues to pursue collection and threatens further action. This is causing ongoing harm to my credit and well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. 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 2025-05-08 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. 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 2025-05-08 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: Servicer under contract with Federal Student Aid
State: CA

Complaint narrative:
I am a public-sector employee, and I am XXXX years into the XXXX process of working toward Public Service Loan Forgiveness . Each year, I fill out a paper form ( the Employment Certification Form ), which my employer signs, verifying that I work for a qualifying, non-profit employer. I send this form to XXXX, and my payment count gets updated. Again, I do this every year. 

For the first 8 years, these paper forms were processed without issue. But when I submitted my form for the calendar year XXXX, in XXXX XXXX, nothing was processed. I waited months, then called FSA. They suggested I upload a digital XXXX  to their portal. 

This is where the problems began. Since XXXX XXXX, I have done the following : - mailed in a paper copy of my XXXX - XXXX XXXX ( no processing, customer service could not even confirm that it was XXXX - uploaded a pdf of the same signed XXXX in XXXX XXXX ( no processing, website still says " in review '' ) - uploaded a pdf of the signed XXXX in XX/XX/XXXX ( no processing, website still says " in review '' ) - uploaded a XXXX  of the signed XXXX in XX/XX/XXXX ( no processing, website still says " in review '' ) - filed an official " Feedback Case '' -- the only option for submitting a complaint, in XX/XX/XXXX ( case was " closed '' immediately, without any response or communication ) I have called their customer service line MANY times, and no one can tell me why my form is not being processed. 

XXXX has me " stuck '' at XXXX payments, which is over a year out of date. ( I should be at XXXX, as of my last XXXX. ) They refuse to process my paper form. For the XXXX  forms, their upload tool has a file upload limit that is too small for XXXX, even when using compressing software. It is literally impossible to upload a three-page document. I have uploaded my form XXXX page at a time on MULTIPLE OCCASIONS. 

This complete non-functioning has me extremely concerned my future XXXX  will not be processed either. I am XXXX  months away from my forgiveness date. My loan balance is enormous : {$130000.00}. This is financial life or death for me, and I can not get anyone one from XXXX  or XXXX to help.

Company response to consumer: Untimely response
Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Tower Loan of Mississippi, Inc.
State: TX

Complaint narrative:
At around XX/XX/year>, I started receiving calls from tower loan saying that I had a debt to be paid. They were very abusive with their language and kept harassing me and my family. I made a police report stating this was fraud and also the disputed with all credit bureaus that this was fraud

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 2025-05-08 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-05-08 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: FL

Complaint narrative:
I am asking for your help to look into accounts from companies that are incorrectly reporting late payments. After reviewing my credit report, I noticed certain accounts marked late, which is not accurate. There should be no late payment remarks on these accounts. Please remove these errors and update the accounts to reflect a positive status as agreed.

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 2025-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
I am writing to formally file a complaint against Portfolio Recovery Associates for repeated and unlawful debt collection practices, including violations of the Fair Debt Collection Practices Act ( FDCPA ), the Telephone Consumer Protection Act ( TCPA ), the Fair Credit Reporting Act ( FCRA ), and the Missouri Merchandising Practices Act ( MPA ). 

- In XXXX, my legal counsel at XXXX XXXX XXXX issued a formal cease and desist letter to Portfolio Recovery Associates, instructing them to stop all direct communication with me. Portfolio Recovery Associates acknowledged this request in writing and confirmed they would no longer contact me directly. 
- I have previously disputed this account through the major credit bureaus under my rights granted by the FCRA. 
- On XX/XX/XXXX around XXXX XXXX, I received a phone call from Portfolio Recovery Associates. The call originated from phone number XXXX. I answered the call, and the representative acknowledged they were aware of my prior dispute. They further claimed they had the right to contact me, which is in direct violation of my earlier cease communication notice and their written confirmation. 

Violations XXXX. FDCPA Violations ( 15 U.S.C. 1692c ( c ), 1692d, 1692e ) - Contacting me after receiving a cease communication notice.

- Misrepresenting their right to collect or take legal action on a time-barred debt. 
- Engaging in harassing behavior after prior resolution XXXX. TCPA Violations ( 47 U.S.C. 227 ) - Calling my phone without consent, despite revocation and written notice not to contact me 3. FCRA Violations ( 15 U.S.C. 1681s-2 ) - Reporting inaccurate or disputed information to credit bureaus XXXX. Missouri Merchandising Practices Act - Using deceptive and unfair business practices in violation of Missouri state law. 

Requesting that an immediate investigation into Portfolio Recovery Associates ' practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. 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 2025-05-08 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CO

Complaint narrative:
in XXXX my I bought an iphone from XXXX. They mailed it to me. The phone was scratched so it was returned in a store and never activated. XXXX charged me a month of service. in XX/XX/XXXX I had my XXXX hours long conversation with XXXX and my husband which we recorded on video. We recorded the representative telling us that the account was closed and no more money will be charged. in late XXXX or early XXXX of this year XXXX I received a letter from Jefferson capital systems llc attempting to collect a debt of XXXX. So for four years my credit has had a bad mark on it. For four years we believed we would never hear anything else about it. My intentions are to contact the 3 credit bureaus to attempt to dispute the collection, because paying it will still leave a bad mark on my credit. They did the exact same thing to my husband when he bought an XXXX that he returned. I feel very bullied by XXXX. I contacted them again to try to get them to remove the collection themselves and after an hour they put me through to the collections agent who attempted to collect the debt again over the phone when the representative already claimed she was taking care of it while i waited patiently on the phone for over an hour again. We will be seeking restitution. I dont believe this was a mistake on behalf of XXXX since they did it to both my husband and me, so I will also be contacting the better business bureau as well. we will never purchase another phone from XXXX or any other wireless carrier because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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:
In XXXX, my credit card issued by XXXX XXXX was stolen and used fraudulently. The person who stole the card maxed out the full credit limit without my knowledge or authorization. As soon as I became aware of the unauthorized charges, I immediately contacted XXXX  XXXX to report the fraudulent activity and made it clear that I did not make or approve any of the transactions in question. 

Despite my timely report and explanation, XXXX XXXX failed to properly investigate or resolve the matter. Instead of removing the fraudulent charges or flagging the account appropriately, they continued to hold me responsible for the debt. The account was ultimately reported as delinquent and sent to collections, which severely impacted my credit report. 

I am now requesting that this account be deleted from my credit file, as it contains false and unverified information related to fraud that I reported in good faith. XXXX XXXX  handling of this matter directly violates the Fair Credit Reporting Act, which requires that only accurate and verifiable information be reported.

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 2025-05-08 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: TX

Complaint narrative:
In XXXX, my credit card issued by XXXX XXXX was stolen and used fraudulently. The person who stole the card maxed out the full credit limit without my knowledge or authorization. As soon as I became aware of the unauthorized charges, I immediately contacted XXXX  XXXX to report the fraudulent activity and made it clear that I did not make or approve any of the transactions in question. 

Despite my timely report and explanation, XXXX XXXX failed to properly investigate or resolve the matter. Instead of removing the fraudulent charges or flagging the account appropriately, they continued to hold me responsible for the debt. The account was ultimately reported as delinquent and sent to collections, which severely impacted my credit report. 

I am now requesting that this account be deleted from my credit file, as it contains false and unverified information related to fraud that I reported in good faith. XXXX XXXX  handling of this matter directly violates the Fair Credit Reporting Act, which requires that only accurate and verifiable information be reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I applied for this card specifically because of an advertised 0 % APR intro period ( 18 months ). So, I was surprised to see an interest charge for carrying a balance last month. I made the minimum required payment, so there should have been no interest charge. I called Citi and the agent said that he did not see the 0 % APR offer attached to my account. I said that must be some kind of mistake, because the reason I applied for this card was specifically the 0 % APR offer. The agent said there was nothing he could do.

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