vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-13 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: 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 non-monetary relief
Consumer complaint received 2025-03-13 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: TN

Complaint narrative:
Experian has 3 medical bills hurting my fico score and I disputed these on my credit report because a rule was passed that medical bills can not hurt or negatively affect 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
Consumer complaint received 2025-03-13 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: FL

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX Bank : Account number XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Copy of 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
Consumer complaint received 2025-03-13 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: MA

Complaint narrative:
I had loans on my account that were incorrectly attributed to my name from XXXX and appeared on the TransUnion credit report. On XXXX XX/XX/XXXX, I exchanged emails with XXXX regarding these loans, totaling over {$100000.00}. Finally, after speaking with an agent there, they confirmed that those loans should not be on my account and would be adjusted accordingly. By Christmas time that year, I noticed that my TransUnion report still had the XXXX loans on file while XXXX and XXXX were both up to date. I opened a dispute with TransUnion on XXXX XX/XX/XXXX and about half of the loans were taken off. However, there was still {$57000.00} on my credit report from XXXX. I called XXXX to see if there was a mistake and XXXX confirmed that no account or money was attributed to my name. I opened another dispute with TransUnion on XXXX XX/XX/XXXX and the results came back on XXXX XX/XX/XXXX the same as the previous dispute except now my credit score dropped over 100 points. I have called several times and they refuse to take responsibility for their incompetence. Please help.

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 2025-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I opened a credit card with Capital One and made regular, timely payments. I noticed increased minimum payment due, unknown charges as well as extraordinary fees and contacted Capital One. They let me know that the interest should not have risen and the fees were based on the unknown charges that they would investigate. I did not hear back and soon after- my account was charged off. Soon after, I was contacted by a debt settlement law firm, XXXX XXXX XXXX and misled into believing that by working with them, they would handle the errors in debt and settle the account. That was in XX/XX/year>. I have been paying monthly fees to this law firm to settle a debt that was originally questioned with Capital One. I have heard little from the law firm and while looking into my last Capital One statement, realize that none of the questioned charges were removed. Capital One unethically failed to provide requested information regarding the questioned fees, interest and charges. Furthermore, XXXX XXXX XXXX XXXX XXXX XXXX continue to call mulitple times daily- each an automated call. When answered, it is a different associate asking for additional payments or requesting information already provided. When stated as much, the associate claims to document- but fails to do so as the calls continue throughout the day.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-03-13 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: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
On XX/XX/XXXX in the morning I received XXXX text messages From Santander bank asking if I authorized purchases. I work for the XXXX XXXXXXXX XXXX XXXXXXXX and do not have my phone out. I did not see the messages until the afternoon. By that time my account was emptied and I was XXXX overdrawn. I went straight to the bank and filed a fraud claim. A few days later I filed a police report. The money was used at XXXX XXXX who can see my stolen card info was used to purchase XXXX plans. They would not cancel the accounts because the accounts were not in my name. They gave me the first name of the account holder, XXXX. My daughter blasted both Santander and XXXX XXXX on social media and XXXX from Santander 's social media department got in touch. He suggested reopening the claim and he would be able to help. I did and that was also denied. I sent an email to both XXXX XXXX and XXXX XXXX, both CEO 's from Santander. It took awhile but finally I received a call from their executive office on XX/XX/XXXX. Today I received the news that the bank is not taking responsibility for not freezing my account when they did not receive an response from the first text. I was made to feel that it was all my fault. I have talked to family and friends who bank at other banks and their banks do freeze their accounts until they hear from the customer. Thank you for taking the time to read this.

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 2025-03-13 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: WI

Complaint narrative:
I am writing to dispute and request validation of an item on my credit report. The details are as follows : Account : XXXX, Account Name : XXXX XXXX XXXX Account Address : XXXX XXXX XXXX XXXX XXXX, WI. XXXX. I was a victim of Identity theft this person was renting property and numerous crimes in my name. I was able to receive this pin because I went to the jail while she was in jail in my name. I have been down due to a car accident and just decided to review my credit report and saw all this. The last time I did anything on my credit was when I purchased my home. I lost my sister and best friend within months of each other. I was just starting to be myself again. than I was XXXX XXXX XXXX XXXX XXXX XXXX I just don't know how these people investigated. I was not born in XXXX, and I can prove that. They keep giving me numbers to call for Identity theft, but you can not talk to a representative. very frustrating I do not recognize this debt and request that Experian verify its accuracy. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute information that I believe to be inaccurate. I request that you provide the following information : 1. Verification of the Debt : Documentation confirming the accuracy of the debt, including the original creditor 's name and the amount owed.

2. Details of the Debt : An itemized statement detailing the debt, including any fees, interest, and the date of the original delinquency. 
If Experian can not verify the accuracy of this debt, I request that it be promptly removed from my credit report. 
Please notify me in writing of the results of your investigation at the address provided above. 
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 2025-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: EdFinancial Services
State: NH

Complaint narrative:
Account information access illegally by XXXX XXXX and the Department of Government Efficiency. I did not consent to my information being shared with this outside agency. Those who accessed the account had no business doing so. the " employees '' are not government official, passed no background check and were not vetted by Congress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-03-13 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 2025-03-13 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-03-13 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Personal information incorrect
Company: Nelnet, Inc.
State: NY

Complaint narrative:
Nelnet is telling me that my student loans were late 120 days plus. They told me that they were no longer in forbearance as of XX/XX/XXXX and that they tried to let me know before it became late. When I called to confirm the information they had on file they told me they emailed me to let me know but the emails were bouncing back. This proves that the email address on file was not accurate. Also the phone number and the property address they had listed for me was not accurate. There was no attempt to contact me other than the email that bounced back to let me know that the student loans were becoming due and that they were late after that. when I finally got access to my account online, I made them current and noticed that the notices that they had in the system were sent to the wrong address if sent at all and we're from XXXX which makes no sense as to why they would start becoming late now. This information has decreased my credit score a decent amount and there was no attempt to contact me directly to rectify this before it became late. I would like this information to be removed from my credit and I am disputing it as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: IL

Complaint narrative:
The Mohela website indicates conflicting payment due dates and amounts. I tried submitting an online form to request accurate information but the form would not submit. I am currently on hour XXXX of being on hold to speak with someone at their contact number from the website. I do not want to be late on payments that would affect my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: FL

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXXXXXX - XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  - XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 non-monetary relief
Consumer complaint received 2025-03-13 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: CA

Complaint narrative:
The account in question was charged off in [ XX/XX/XXXX ], which is a one-time event. However, the account continues to be reported as a Charge-Off ( CO ) every month following that initial charge-off date, including throughout XXXX and into XXXX. This repeated charge-off reporting gives the false impression of new and ongoing negative activity, when in fact the account was already closed. 

This type of repeated reporting violates the Fair Credit Reporting Act, 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ), which states that a furnisher of information shall not report any data that it knows or has reasonable cause to believe is inaccurate. Repeated charge-off notations are not only misleading but materially harm my credit profile.

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 2025-03-13 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: EQUIFAX, INC.
State: CA

Complaint narrative:
The account in question was charged off in [ XX/XX/XXXX ], which is a one-time event. However, the account continues to be reported as a Charge-Off ( CO ) every month following that initial charge-off date, including throughout XXXX and into XXXX. This repeated charge-off reporting gives the false impression of new and ongoing negative activity, when in fact the account was already closed. 

This type of repeated reporting violates the Fair Credit Reporting Act, 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ), which states that a furnisher of information shall not report any data that it knows or has reasonable cause to believe is inaccurate. Repeated charge-off notations are not only misleading but materially harm my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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:
I do not recognize the negative accounts that appear 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 explanation
Consumer complaint received 2025-03-13 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:
I do not recognize the negative accounts that appear on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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