vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-28 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: UPGRADE, INC.
State: SC

Complaint narrative:
I am filing a formal complaint against Upgrade Inc. and XXXX for their failure to acknowledge my identity theft claim and remove a fraudulent account from my credit report. 

I was the victim of identity theft, and an account was fraudulently opened in my name with Upgrade Inc . I have provided sufficient evidence, including an FTC Identity Theft Report Affidavit, demonstrating that I did not authorize or receive any funds from this account. Despite this, Upgrade Inc. has refused to accept my claim, stating : After careful review of your claim and the documents provided to us, we are unable to substantiate your claim of identity theft. We are unable to proceed with confirming your identity theft claim without the additional information that was requested.

They further stated that my outstanding account with them remains valid even though I never opened or authorized it. Additionally, XXXX has refused to remove this fraudulent account from my credit report, despite receiving proof that the account was the result of identity theft. 

Violations Committed 1. Upgrade Inc. and XXXX are violating the Fair Credit Reporting Act ( FCRA ) ( 15 U.S. Code 1681 ) by failing to remove fraudulent information from my credit report. 
2. Upgrade Inc. is violating the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S. Code 1692 ) by attempting to collect on a fraudulent debt that is not mine.

3. Both companies are engaging in willful noncompliance and failing to act in good faith despite being provided with official documentation proving the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: TX

Complaint narrative:
I am writing to formally dispute the inaccurate debt reported on my credit file. Under 15 U.S.C. 1681o of the Fair Credit Reporting Act ( FCRA ), any entity that negligently fails to comply with the Acts requirements is liable for damages caused by their noncompliance. Your failure to ensure the accuracy and proper verification of this reported debt constitutes a violation of my rights under federal law. 
XXXX. XXXX XXXX XXXX XXXX Account Number XXXX Balance- {$900.00} XXXX. XXXX  XXXX XXXXXXXX Account Number-XXXX  Balance- {$910.00} XXXXXXXX XXXX XXXXXXXX Account Number- XXXX Balance- {$240.00} XXXX XXXX XXXX Account Number-XXXX Balance- {$100.00}

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 2025-03-28 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: CA

Complaint narrative:
XXXX XXXX reported that I was 30 days late in XXXX of XXXX. I was not late in XXXX of XXXX. I have asked XXXX XXXX to remove this and I have asked all 3 Credit Bureaus to remove this late. I have provided everyone with the payment statement. XXXX reported me 30 days late 3 times. I was not 30 days late. I tried to handle this with XXXX and the 3 credit Bureaus. I have supplied the credit bureaus with payment receipts that show the date of the month that the payment was made. I have also attached the payment for XXXX XXXX and the XXXX payments for XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 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:
XXXX XXXX reported that I was 30 days late in XXXX of XXXX. I was not late in XXXX of XXXX. I have asked XXXX XXXX to remove this and I have asked all 3 Credit Bureaus to remove this late. I have provided everyone with the payment statement. XXXX reported me 30 days late 3 times. I was not 30 days late. I tried to handle this with XXXX and the 3 credit Bureaus. I have supplied the credit bureaus with payment receipts that show the date of the month that the payment was made. I have also attached the payment for XXXX XXXX and the XXXX payments for 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 2025-03-28 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: MI

Complaint narrative:
I submitted a complaint to these Bureaus a month ago, yet the erroneous information on my report persists. I have not received any updates from the Bureaus, apart from your notification indicating that the company has addressed my complaint. How can I be assured that they have conducted a thorough investigation into the inaccuracies on my report? What procedures were utilized to verify the accounts? This entire situation is exceedingly frustrating. Over 30 days have passed since I lodged my complaint, and the disputed accounts remain unchanged. If this issue is not resolved, I will be compelled to pursue legal action due to the significant stress it has caused me. Additionally, I am worried about the security of my personal information, which has been compromised by the Equifax, Experian, and Transunion data breach.

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 2025-03-28 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: PA

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 2025-03-28 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: Kriya Capital, LLC
State: CA

Complaint narrative:
credit resource management began reporting two inaccurate accounts I disputed both accounts one was deleted yet the other one they still choose to report. I have never been in contract with resource management nor the companies they are stating I owe. I sk the company to provide men with written or verbal agreement that we've ever had and they can not provide it to me. I have attached the dispute letter I sent to credit resource management asking them to remove these accounts from my record without proof that I owe them, they are choosing to keep reporting it. They are breaking the law!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 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: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
I discovered that my personal information was used to fraudulently lease a car on XX/XX/XXXX during Covid-19. Upon finding out, I contacted the dealership- GM Financial Dealership, but they failed to investigate and reported the account as a charge-off amounting to {$12000.00} on XX/XX/XXXX to the credit bureaus, which negatively impacted my credit. 
I disputed the fraudulent account multiple times with the credit bureaus, but two of them did not resolve the issue. Despite my previous dispute and the submission of substantial evidence proving that the lease was fraudulently obtained in my name, XXXX, XXXX and GM Financial Dealership or GM Financial Fraud Department have failed to remove this account, which is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: GA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : DPT EDXXXX # XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX/DOFED # XXXX  Account Name : XXXX/DOFED # XXXX Account Name : XXXX/DOFED  # XXXX  Account Name : XXXX/DOFED # XXXX UNAUTHORIZED INQUIRIES 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 XXXXXX/XX/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 2025-03-28 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX  AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXXXXXX  Account Name : U S DEPT OF EDXXXX # XXXX - Date Opened XX/XX/XXXX Account Name : U S DEPT OF EDXXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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:
A charge off of {$150.00} from a checking account was illegally reported on my credit ... from XXXX XXXX XXXX XXXX... i do not owe {$150.00} ... checking account was paid in full... 
Credit agencies are responsible in making sure before they garnish information and report it, to make sure it is accurate and fair ... in this case all XXXX credit bureau have failed to do so ..i lost XXXX points off credit due this situation NEVER received a 1099 regarding charge off, i do not owe {$150.00} ..account was paid in full and should not been reported on my profile ALSO credit cards and line of credit was wrongfully being reported as closed when its not this situation also has caused my credit score to go from XXXX to XXXX this has impacted my life ability to open my business... 

CIVIL LAWSUIT IS NEXT

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 2025-03-28 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:
A charge off of {$150.00} from a checking account was illegally reported on my credit ... from XXXX XXXX XXXX XXXX... i do not owe {$150.00} ... checking account was paid in full... 
Credit agencies are responsible in making sure before they garnish information and report it, to make sure it is accurate and fair ... in this case all XXXX credit bureau have failed to do so ..i lost XXXX points off credit due this situation NEVER received a 1099 regarding charge off, i do not owe {$150.00} ..account was paid in full and should not been reported on my profile ALSO credit cards and line of credit was wrongfully being reported as closed when its not this situation also has caused my credit score to go from XXXX to XXXX this has impacted my life ability to open my business... 

CIVIL LAWSUIT IS NEXT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 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: TX

Complaint narrative:
I am writing to formally dispute the inaccurate debt reported on my credit file. Under 15 U.S.C. 1681o of the Fair Credit Reporting Act ( FCRA ), any entity that negligently fails to comply with the Acts requirements is liable for damages caused by their noncompliance. Your failure to ensure the accuracy and proper verification of this reported debt constitutes a violation of my rights under federal law. 
XXXX. XXXX XXXX XXXX XXXX Account Number XXXX Balance- {$900.00} XXXX. XXXX  XXXX XXXXXXXX Account Number-XXXX  Balance- {$910.00} XXXXXXXX XXXX XXXXXXXX Account Number- XXXX Balance- {$240.00} XXXX XXXX XXXX Account Number-XXXX Balance- {$100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 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:
I am writing to formally dispute the inaccurate debt reported on my credit file. Under 15 U.S.C. 1681o of the Fair Credit Reporting Act ( FCRA ), any entity that negligently fails to comply with the Acts requirements is liable for damages caused by their noncompliance. Your failure to ensure the accuracy and proper verification of this reported debt constitutes a violation of my rights under federal law. 
XXXX. XXXX XXXX XXXX XXXX Account Number XXXX Balance- {$900.00} XXXX. XXXX  XXXX XXXXXXXX Account Number-XXXX  Balance- {$910.00} XXXXXXXX XXXX XXXXXXXX Account Number- XXXX Balance- {$240.00} XXXX XXXX XXXX Account Number-XXXX Balance- {$100.00}

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 2025-03-28 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: OH

Complaint narrative:
XXXX XXXX was listed in a discharged bankruptcy and it continues to report negatively to my experian, XXXX and XXXX account. 

I contacted the business on XX/XX/year>XXXX  and they reported negatively on XX/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 2025-03-28 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: CT

Complaint narrative:
I recently reviewed a copy of my credit report and I noticed I had fraudulent accounts on my report. Please review these accounts from my report, they are hurting my ability to obtain credit.

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 2025-03-28 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: CT

Complaint narrative:
I recently reviewed a copy of my credit report and I noticed I had fraudulent accounts on my report. Please review these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 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:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Spring Oaks Capital, LLC
State: PA

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 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: W&A Intermediate Co., LLC
State: TX

Complaint narrative:
I am being held responsible for a dental visit that isnt mine. I never visited the establishment and I am not responsible for this bill. 

WAKEFIELD & ASSOCIATES , LLC C/O XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$1600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: PA

Complaint narrative:
On XX/XX/year>, XXXX XXXX and the DOGE department, specifically XXXX XXXX and XXXX XXXX without clearance nor confirmation, violated my rights to prior authorization and illegally breached and accessed my data for my student loan and education information. I believe that this was a clear violation of my rights and my information. I am requesting a borrower defense to repayment.

Company response to consumer: Untimely response
Consumer complaint received 2025-03-28 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: TX

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

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 2025-03-28 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: FL

Complaint narrative:
I have attached documentation from the appropriate authorities to support my claims. I would be grateful if you could promptly remove the fraudulent entries from my credit report and take the necessary steps to rectify any inaccuracies or fraudulent activities because I already file a complaint again for these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 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 2025-03-28 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: SC

Complaint narrative:
On XX/XX/2025 I appllied for a salliemae student loan but I was denied approval because Transunion is reporting 2 student loans as delinquent. I was informed by XXXX that there was a federal directive that stated during the Covid pandemic no loans could be reported as delinquent. TransUnion ignored this order and has reported these loans as being delinquent for the nearly 2 years. Supposely this company was performing updates, but I am confused how they could not know about the reporting mandates for student loans.

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