vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: NJ

Complaint narrative:
I previously held XXXX credit card ending it XXXX with XXXX XXXX XXXX XXXX XXXX, which was officially closed on XX/XX/year>, and subsequently written off as a profit and loss by the Member XXXX XXXX institution. 
Despite the charge-off and closure of the account, my credit report has recently reflecting XXXX missed payments after the account closure date. This is not only inaccurate, but it also violates my rights under the Fair Credit Reporting Act ( FCRA ). 
I am formally requesting the following actions : Immediate correction of the inaccurate reporting on this account across all consumer reporting agencies, to reflect the correct status as XXXX XXXX XXXX with no additional missed payments beyond the account closure date. A written response confirming that the corrections have been submitted to the credit bureaus. 
A copy of the IRS Form XXXX ( Cancellation of Debt ), if one was issued for this account, or confirmation of when it will be sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: PA

Complaint narrative:
My name is XXXX XXXX and this is not a third party filing this complaint. I am writing to express my concerns regarding the investigation practices of the XXXX major credit bureaus : Experian, TransUnion, and Equifax. Many consumers, including myself, have experienced significant difficulties when dealing with inaccuracies in our credit reports and the subsequent investigations launched by these bureaus.

Despite the Fair Credit Reporting Act requiring that these agencies conduct fair and thorough investigations into disputes, the reality has often been different. There are numerous reports from consumers suggesting that the investigation process is neither thorough nor transparent. Many disputes receive cursory reviews, with inadequate attention given to supporting evidence provided by consumers.

Additionally, the timelines for resolving disputes appear to be frequently extended, with little communication from the bureaus regarding the status of these investigations. This lack of transparency fosters distrust and raises questions about whether consumers ' rights are being adequately protected. 

The practices employed by these credit bureaus can have serious repercussions on consumers access to credit, employment opportunities, and overall financial health. As such, I urge the CFPB to investigate these practices and ensure that the rights of consumers are upheld. It is vital that these agencies adhere to regulations and provide consumers with the protection they deserve.

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 2025-04-09 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: NC

Complaint narrative:
I have sent several requests to validate or remove negative accounts from my credit file. My latest request was submitted back on XX/XX/year> but I have not received anything in the mail or email. I have sent in Police XXXX, FTC XXXX, XXXX Documents and etc. and my issues have not been resolved yet. XXXXrans Union took the time to review my documents and validated that they did not belong to me, and they removed the accounts. I believe that the evidence that I have provide is enough to prove that they should be removed from my credit report. The accounts are listed belong ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX the copy of XXXX XXXX as further proof that the accounts does not XXXX XXXX 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 explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: John C. Heath, Attorney at Law, PLLC
State: WI

Complaint narrative:
Overall the services provided where not assisting with credit repair and the fees constantly changing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: NJ

Complaint narrative:
Dear Equifax, I am reaching out regarding an account listed on my credit report, which was marked as a repossession and charged off by XXXX XXXXXXXX XXXX XXXX XXXX XXXX ). Upon reviewing my report, I have noticed that this account is still being updated every month as " charged off, '' but it also reflects an active payment history. This is inconsistent with how a charged-off account should be reported, as no payments should be shown on a charged-off account. 
According to the Fair Credit Reporting Act ( FCRA ), all information reported to credit bureaus must be accurate and verifiable. A repossession charge-off should not include an active payment history if the account was indeed charged off. Additionally, under 15 U.S.C. 1681i of the FCRA, I am entitled to dispute any information on my credit report that I believe to be inaccurate, and the creditor is required to verify and correct any discrepancies. 
I have previously contacted XXXX XXXX about this issue, but they only verified the account without providing adequate proof of the payment history or addressing the reporting errors. 
Given the inaccuracies in reporting, I kindly request that you remove this account from my credit report in accordance with the FCRAs guidelines for correct and accurate credit reporting. The continued presence of this incorrect information is damaging my creditworthiness, and I would appreciate your prompt attention to this matter. 
Thank you for your time and assistance. I look forward to your response and the swift resolution of this issue. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: PA

Complaint narrative:
I submitted a request for a forbearance on XX/XX/XXXX. I did not hear back from them until XX/XX/XXXX - only for them to tell me it could take 90 days for my application to be processed ( which would be XX/XX/XXXX ). It is now XX/XX/XXXX and I have not heard anything back from them. I can not afford my payments and do not want my XXXX XXXX impacted. 
Here is the only communication I received from Mohela : Subject : Deferment and Forbearance Received Date : XX/XX/XXXX Thank you for contacting MOHELA, According to our records, we received your XXXX XXXX request form on XX/XX/XXXX. Please allow up to XXXX business days for your application to be processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
According to my credit report, the account appears closed and charged off with an outstanding balance of {$XXXX}. The account was opened on XX/XX/year>, and has a credit limit of {$XXXX}. I have no prior relationship with this account, nor did I authorize its opening. 
I never applied for or used this card, and I have not made any charges to it. However, it appears on my report as an outstanding debt. Furthermore, the company has not responded favorably to my attempts to reach out to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-04-09 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
On XX/XX/year> I took my daughter, XXXX XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was led to believe it would be urgent care pricing copay and other services would be charged the same if needed. I ended up receiving a bill for {$1700.00}. Please see attached documents relevant to this case. 

XXXX. XXXX response after seeing bill XXXX. Copy of most recent bill XXXX. Progressive management letter back to me with their clients response. It does state on their letter they could have been looking at incorrect information.! 

XXXX. XXXX search for urgent cares and progression when hit search locations and then on the left XXXX XXXX comes up. You can see how I thought it was an urgent care and confirmed copay pricing from them too.!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: NC

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation. 
XXXX XXXX XXXX : {$2100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: NC

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation. 
XXXX XXXX XXXX : {$2100.00}

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 2025-04-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Why did you stop the civil suit against Capital One and theyre fraudulent XXXX savings account fraud.?? Or is it still going? Id like to participate in the civil suit and clearly this company has a habit of this behavior and you should continue the civil lawsuit against them. I had {$100000.00} in this account for a year and it shouldve earned 5 % yet I ended up earning less than half of XXXX percent! Please give me guidance on how I should get compensation and satisfaction. Im very very disappointed that youve stopped your action against them and why have you done this? Sincerely, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: NY

Complaint narrative:
I initially contacted the credit union to report several fraudulent accounts that appeared under my name. These accounts were not opened or authorized by me and resulted from identity theft. I provided all necessary documentation, including an identity theft affidavit, to support my claim. The identitytheft.gov reference number is XXXX for the following accounts : XXXX : {$1400.00}, XXXX XXXX  XXXX  : {$1200.00}, XXXX : {$830.00}, XXXX XXXX  {$570.00} Following their investigation, I was informed that the fraudulent accounts would be removed. However, despite this resolution, these same accounts have recently reappeared on my credit report and are now listed as collections. I have not received any explanation from the credit union regarding why these accounts were reinstated or why my previous documentation is no longer being honored. 

I am requesting that these accounts be permanently removed from my credit report, and that the credit union provide written confirmation of this action. I would also like an explanation of how and why these accounts resurfaced after being previously resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Arcadia Holdings, LLC
State: AR

Complaint narrative:
XXXX XXXX  contacted me at my place of work. They called twice in a row. I told them I could not speak at work. He continued to talk. So I hung up. 

He then called my child twice, disclosed my debt including amount, when it stopped being paid, and told my child that I had to pay it today.

Company response to consumer: Untimely response
Consumer complaint received 2025-04-09 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
This account was sold to Ally from OlloXXXX XXXX XXXX XXXX XXXX I then sued the company Ally sold my debt to because of miss practices. This should not be reporting on my credit report sense it no longer belonged to Ollo when I sold/transferred it to Ally. This account was sold to XXXX XXXX, in the attempt to try to collect from me I sued them and won. This account should no longer be reporting on my credit report. I also want to request the copy of my XXXX profile of this account. You have verified account that legally you sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
. on XX/XX/year> I requested balance transfer for {$5000.00} from XXXX XXXX master credit card issued from Barclays to XXXX  XXXX. there was miss input from my end. I used XXXX  XXXX debit card number instead of credit card number where money supposed to transfer. 
. when I found the mistake I called XXXX XXXXXXXX  credit company to fix the erro they said transaction was completed on XX/XX/year>. 
They said I have to contact payee institute which is XXXX  XXXX mean while XXXX credit card representative opened dispute fife. ( said may takes up to 5-10 business days ). I called XXXX XXXX to find out where the fund is. they said need tracing number to find. 
so I open the dispute case also. ( said may takes up to 5-10 business days ) .Then I called back and forwarded to resolve the problem XXXX said I have to contact payee institute and XXXX XXXXXXXX said get a tracing number from sender institute. 
.After many call I made. Finally XXXX send me the physical copy of the check deposited by XXXX XXXXXXXX. I emailed the copy to XXXX XXXXXXXX, yet they repeatedly said need a tracing number. they don't even transfer me to any specialty I demand to talk. 
. I called for last sender ( XXXX ), yet no response after 10 business days. I have been requested tracing Number to XXXX but XXXX repeatdly said use the case Id to talk with XXXX XXXX. 
. I am account holder as involved as a sender ( XXXX ) and recipient ( 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 2025-04-09 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:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-04-09 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX, XXXX, XX/XX/XXXX, I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding TRANSUNION, specifically in relation to the recent data breach that has compromised the personal information of countless consumers, including myself. Pursuant to the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), I request the removal of fraudulent information from my credit report that has resulted from identity theft and fraud. Experian is legally required to complete this action within XXXX business days of receiving this complaint. *Fraudulent Accounts to be Removed : * ***Account name XXXX XXXXcount number XXXX Date opened XX/XX/XXXX {$0.00} Account name XXXX XXXX Account number XXXX Date opened XX/XX/XXXX {$1000.00} Account name XXXX XXXX  XXXX Account XXXX XXXX Date opened XX/XX/XXXX {$1000.00} Account name XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX Amount : {$1400.00} Inquiries XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX *** The accounts listed above are fraudulent and have led to numerous unauthorizedhard inquiries and derogatory collections appearing on my XXXX credit report. These entries areunequivocally tied to identity theft and are negatively impacting my credit standing. To substantiate my claim, I have enclosed documentation of my FTC Identity Theft Complaints # XXXX, which serves as compelling evidence that these accounts, inquiries, and collections are the result of identity theft and fraud. The negligence of XXXX in safeguardingconsumer data has enabled identity thieves to exploit my personal information. I expect immediateaction to rectify this matter, with acknowledgment of receipt of this complaint and confirmation of thesteps being taken to remove the fraudulent information. Failure to comply with this legal obligationwill compel me to take further action, including escalation to the CFPB, Federal Trade Commission, and legal avenues available to protect my rights as a consumer. Thank you for your attention to thisurgent 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 2025-04-09 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: IL

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2025-04-09 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: MD

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief