vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-26 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus XXXX take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-02-26 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Equifax and Experian 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. I filed 4 reports to the FTC. Each report for different things I found on my credit report that was fraudulent. FTC Reference numbers below : Reference : XXXX Reference : XXXX Reference : XXXX Reference : XXXX This fraudulent, inaccurate, and false information consists of : 1. A personal unsecured line of credit opened at XXXX XXXX under the account XXXX on XX/XX/XXXX for {$38.00} and another account from XXXX XXXX with account XXXX on XX/XX/XXXX for {$62.00}. As well as a XXXX account from XXXX XXXX under the account XXXX  on XX/XX/XXXX. XXXX. A personal credit card opened at XXXX XXXX on XX/XX/XXXX with a balance of {$1600.00} XXXX. A personal credit card opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$710.00} XXXX. XXXX student loan accounts opened at DEPT OF ED/XXXX on dates : XX/XX/XXXX, XX/XX/XXXX again, XXXX again, and XX/XX/XXXX for amounts : {$3900.00}, {$7400.00}, {$3900.00}, {$2300.00}, and {$4600.00}. XXXX. A personal credit card opened at XXXX XXXX on XX/XX/XXXX with a balance of {$210.00}. XXXX. A auto loan opened at XXXX XXXX XXXX on XX/XX/XXXX for {$11000.00} XXXX. A loan or credit card opened at XXXXXXXX XXXX XXXX on XX/XX/XXXX for {$1300.00} XXXX. A personal credit card opened at XXXX on XX/XX/XXXX for {$1300.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent accounts appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, or hard inquiries as reported. The aforementioned accounts, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint Reports as proof from the XXXX 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 explanation
Consumer complaint received 2025-02-26 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: VA

Complaint narrative:
UPON EXAMINING MY CREDIT REPORTS, I NOTICED THAT ALTHOUGH YOU HAVE NOT PROVIDED ANY EVIDENCE TO SUPPORT THE ACCURACY OF THE DEBT. YOU CLAIMED TO HAVE COMPLIED WITH ALL LEGAL AND REGULATORY REPORTING REQUIREMENTS, THUS YOU HAVE TO DELETE ALL NEGATIVE AND CRITICAL ACCOUNTS. 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, not later than 4 business days after the date of receipt by such agency.

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 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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 2025-02-26 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: NM

Complaint narrative:
I am writing to follow up on my previous correspondence dated XXXX XXXX, XXXX, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. 
To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes. 

I kindly request the following : 1. Immediate removal of the erroneous address from my credit report.

2. An updated credit report reflecting the corrected information.

3. Written confirmation of the actions taken to resolve this dispute. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-02-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK
State: AL

Complaint narrative:
I received an Attorney Referral Pending letter mid XXXX and I contacted Discover on XX/XX/year> to work out a payment plan for my account. I was told then that since I had been trying to use a third party consolidation program I would have to remove my card from the program and they would unflag my account so that I could work with them on a payment plan, and to give them XXXX business days to have the account unflagged. I gave them XXXX business days and called them back to be told by someone else that I would have to send them a " XXXX letter '' by mail or fax. I faxed the letter on XX/XX/year> at XXXX. I was told it would take XXXX business days to Set my account up to be able to work out a payment plan for it and to make it possible before the deadline they gave me of XX/XX/year>. I called back on XX/XX/year> just to be told that my account was sent to an attorneys office called XXXX and XXXX and they could no longer discuss my account with me. I had been in constant contact with them for over XXXX weeks working with them on good faith to help me in my situation. They went against their guidelines listed in the letter that they sent me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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 file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment 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 explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/2025, I got a random email from XXXX and PayPal that my account had been suspended due to suspicious activity and they needed my ID to continue. I submitted my ID verification and they permanently closed my account. I have never used XXXX or PayPal against XXXX and have only used it to transfer money between friends. I even have a debit card with them that was randomly suspended with my account. They refuse to give me further information, ability to appeal their decision, and will not reopen the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is a debit Validation Request XX/XX/year> Midland Credit Management XXXX XXXX Account number ( XXXX and XXXX ) To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ) for accounts 1 Provide breakdown of fees including how you calculated what you claim I owe.

2. Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt 3 Cease any credit bureau reporting until the debt has been validated by me as required under the FCRA Send me proof that you are licensed to collect debt in my state 4 Send this information to my address listed above and accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA I will await your reply with the above requested proof Upon receiving it, I will correspond back with you.

5. Proof that you are licensed to collect a debt in the state of Virginia for the purchase of this debt that I do not owe to Midland Credit Management.

6. A copy of the forward flow agreement related to the accounts in question.

7. The chain of assignment agreement for both accounts, demonstrating the transfer of ownership and the legitimacy of the debt. 

I am writing to formally dispute the validity of the debts associated with the accounts referenced above. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide me with the documentation mentioned above. 

According to 26 CFR 1.6050P-1, entities that discharge indebtedness must provide a statement to the debtor, typically in the form of a 1099-C, by XX/XX/XXXX of the year following the identifiable event. This requirement is crucial for accurate reporting to the IRS and for the debtor to understand their tax liabilities. As of today, I have not received a Form 1099-C or any substitute statement that complies with the current revenue procedures. This omission constitutes a violation of the information reporting requirements outlined in the aforementioned regulation. I kindly request that you provide me with a copy of the Form 1099-C for the discharged debt. Additionally, I would like to formally dispute the charge-off on my credit report until this matter is resolved Sincerely. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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:
CFPB Complaint Submission Subject : Request for Credit Report XXXX XXXX XXXX XXXX XXXX and Identity Theft Complaint Details : I am submitting this complaint against [ XXXX XXXX XXXX XXXX XXXX for failing to correct fraudulent and inaccurate information on my credit report. I am a victim of labor trafficking and identity theft, and despite providing extensive documentation, my requests for corrections and fraud alerts have been ignored. 

Issues : Identity Theft & Fraudulent Accounts Fraudulent accounts were opened in my name after my walletcontaining my Social Security card and drivers licensewas stolen from my vehicle. 
My identity was further compromised due to a data breach at XXXX & XXXX, exposing my personal information to fraudsters. 
I have provided FTC Identity Theft Reports, a police report, and an FCRA Section 605C Self-Attestation, yet the credit bureaus have failed to block these fraudulent accounts as required by 15 U.S.C. 1681c-2. 
XXXX XXXX & Unauthorized Accounts From XX/XX/XXXX to XX/XX/XXXX, I was a victim of labor trafficking and forced to work without pay. During this period, multiple accounts were fraudulently opened in my name without my knowledge or consent. 
Failure to Properly Investigate Disputes The credit bureaus have refused to provide the method of verification used to validate disputed accounts, violating 15 U.S.C. 1681i ( a ) ( 6 ).

Despite multiple requests, they have not updated or removed inaccurate personal information, including outdated addresses and employer records, violating 15 U.S.C. 1681b ( g ) and 1681s-2.

Failure to Protect Personal Information Even after requesting fraud alerts and security freezes, my information remains compromised.

The bureaus failure to safeguard my data is a violation of 15 U.S.C. 1681b ( g ).

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 2025-02-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: MO

Complaint narrative:
I have multiple loans that should be in administrative forbearance and not collecting interest, however MOHELA has completely ignored this and continued to charge me interest on those SAVE loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-02-26 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
Credit burea is placung my family in danger. Fairways contine to report false socumentation of rebt owed. By doing this all XXXX credit burea is placing my family life in danger due to denail from rental applicatin check.

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 2025-02-26 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: DE

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had several inaccuracies on my account. Please remove this account from my report. It is hurting my ability to obtain credit. It is to my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate. 

XXXX XXXX XXXXXXXX

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 2025-02-26 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had several inaccuracies on my account. Please remove this account from my report. It is hurting my ability to obtain credit. It is to my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate. 

XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc.
State: WI

Complaint narrative:
I was originally in the XXXX program and was automatically switched to XXXX by the government in XXXX  Even though I have been in the XXXX program, making all required payments with the government subsidy for the interest my required payment didnt cover, and then the forbearance, interest has still been accruing and added to my overall balance. I have made several phone calls with Aidvantage and even though they confirmed I have been in save and have received letters stating that there will be no interest accrued or capitalized, it has been and continues to be. After my last phone call which took over an hour, my questions were not answered, the person had to keep placing me on hold because they had to check with someone because they were not sure. The information I requested was not provided either. However, the documents that I have prove that interest is still accruing and being capitalized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate 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 non-monetary relief