vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This was previously disputed with CFPB # XXXX XX/XX/XXXX Dispute was directed to XXXX, XXXX and Equifax to fix the errors for these XXXX collection accounts : XXXX. XXXX XXXX - XXXX Business Credit - XXXX XXXX  XXXX XXXX TX XXXX Please remove -based upon 15 U.S.C. 1681i and 15 U.S. Code 1681b- this inquiry is inaccurate and unauthorized and needs to be removed per the Permissible Purposes of Consumer Reports. 

XXXX. Conserve - XXXX XXXX XXXX XXXX, XXXX, NY, XXXX ( XXXX ) XXXX o Request that they remove the unauthorized inquiry. 
XXXX # XXXX ( XXXX for {$830.00} ) XXXX XXXX  XXXXXX XXXX ( Equifax {$830.00} ) XXXX # XXXX ( XXXX {$830.00} ) According to the Fair Debt Collection Practices Act ( FDCPA ) Law Code : 15 U.S.C. 1692 et seq., and 15 U.S.C. 1692g. These codes prohibits practices like attempting to collect a debt that is not yours, harassment, or providing false information. I dispute this collection for XXXX. They have not provided evidence that is is my debt, and I am disputing again and would like this collection removed from XXXX, Equifax and XXXX accounts. 


XXXX XXXX - XXXXXXXXXXXXX XXXX {$4900.00} ( EQUIFAX ) XXXX - XXXX {$4900.00} ( XXXX ) XXXX, XXXX - XXXX ( XXXX {$4900.00} XXXX XXXX ( XXXX EQUIFAX ) and XXXX ( ON XXXX ) is still on my credit report and are attempting to continue to collect on the above-referenced accounts on XXXX, XXXX and Equifax. 
I received a Form 1099-C ( Cancellation of Debt ) for this account from XXXX, XXXX on XX/XX/XXXX, XXXX that the debt was canceled. 
According to the Internal Revenue Code ( IRC ) XXXX, the issuance of a XXXX form signifies that the creditor has discharged the debt for tax purposes. 
Your continued attempts to collect on this debt may constitute a violation of : 1. The Fair Debt Collection Practices Act ( FDCPA ) under : * 15 U.S.C. 1692e, which prohibits the use of false or misleading representations about the status of a debt ; and * 15 U.S.C. 1692f, which prohibits unfair or unconscionable means to collect a debt.

2. IRS regulations governing canceled debts, as this debt was reported to the IRS as canceled. 
I request and requested that XXXX immediately Remove this account from my credit reports and cease all collection activities related to this account. Please provide written confirmation that the debt is no longer being pursued. 
Additionally, if you believe you are authorized to collect on this account, I demand the following : Documentation validating the debt, including proof of the amount owed and evidence that you have the legal authority to collect on this account after issuing a 1099-C. 
Please note that under the FDCPA, continued collection activity on a disputed debt is prohibited until validation is provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Holloway Credit Solutions
State: AL

Complaint narrative:
XXXX XXXX, 2022 {$1200.00} I am being charged for something that I dont have any idea on what it is was

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc.
State: SC

Complaint narrative:
1. I have XXXX ( XXXX ) closed student loan accounts named Sloan/Nelnet Services XXXX XXXX # XXXX that are XXXX ( XXXX ) and XXXX ( XXXX ) years old each. 

2. I have XXXX ( XXXX ) closes student loan account named Sloan/Nelnet Services eXXXX XXXX # XXXX that is sixteen ( XXXX ) years aold anf XXXX ( XXXX ) months. 

XXXX. I have XXXX ( XXXX ) closed student loan account named Sloan/Nelnet Services XXXX XXXX # XXXX that is XXXX ( XXXX ) years old and XXXX ( XXXX ) months. 

According to XXXX, closed accounts that are XXXX ( XXXX ) years old will be removed. These accounts are over XXXX ( XXXX ) years old and continues to appean on my credit report. It is negligent that XXXX which represents XXXX of the XXXX ( XXXX ) credit bureaus, continues to display these closed accounts on my credit report. These accounts has caused my XXXX XXXX not move and my purchase of buying a house. It is believable that the government continues to hold the people of the United States in bondage with this antiquated system. Please delete these accounts from my credit account immeidately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
FTC REPORT PERSONAL STATEMENT : I am filing this FTC Identity Theft Affidavit to report due to fraudulent accounts that show on my consumer XXXX credit report which I do not recognize as reported and which result from identity theft and fraud. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. This is preventing me from being able to get approved for my home loan and I am in disbelief. 


CFPB PERSONAL STATEMENT : This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 
This fraudulent, inaccurate, and false information consists of a few Personal credit card accounts. 
ACCOUNT NAME : XXXX & XXXX DATE OPENED : XX/XX/year> These accounts have resulted in fraudulent hard inquiries and collections appearing on my consumer XXXX credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached # XXXX a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all previous consumer credit accounts, closed accounts, collections, and hard inquiries result from 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 2024-12-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
FTC REPORT PERSONAL STATEMENT : I am filing this FTC Identity Theft Affidavit to report due to fraudulent accounts that show on my consumer XXXX credit report which I do not recognize as reported and which result from identity theft and fraud. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. This is preventing me from being able to get approved for my home loan and I am in disbelief. 


CFPB PERSONAL STATEMENT : This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency , block and remove 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 a few Personal credit card accounts. 
ACCOUNT NAME : XXXX & XXXX DATE OPENED : XX/XX/year> These accounts have resulted in fraudulent hard inquiries and collections appearing on my consumer XXXX credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached # XXXX a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all previous consumer credit accounts, closed accounts, collections, and hard inquiries result from 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 2024-12-13 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: CA

Complaint narrative:
I have fallen victim to identity theft, and my personal information has been used fraudulently, leading to items appearing on my credit report that I have no connection to. Following XXXX guidance, I filed an FTC Identity Theft Report and submitted it along with the necessary documentation. Despite these efforts, the fraudulent items continue to remain on my 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 2024-12-13 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Incident Description : On XX/XX/XXXX, I initiated a formal dispute with Experian to address historical entries marked as late payments for the years XXXX and XXXX. Upon receipt of the dispute results on XX/XX/XXXX, I identified an erroneous update to my XXXX XXXX XXXX account. The credit report inaccurately stated there were no records for XXXX and XX/XX/XXXX and incorrectly listed the account as charged off in XX/XX/XXXX. 

Actions Taken : 1. Initial Dispute : Filed on XX/XX/XXXX on Experian, with substantial supporting documentation, including statements, yet the report on XX/XX/XXXX, showed no changes. 

2. Escalation and Second Dispute : I escalated the matter by resubmitting the dispute via Experian and directly contacting XXXX XXXX 's XXXX department, confirming that my account was active and in good standing. Further evidence of timely payments was provided via the Experian app during this second dispute. 

3. Final Dispute : An updated credit report received on XX/XX/XXXX, via Experian still reflected the inaccuracies. I filed an immediate subsequent dispute. 

4. Communication with XXXX XXXX : Despite multiple disputes, XXXX XXXX issued a letter today stating no adjustments would be made, contradicting earlier verbal confirmations. Attached is their letter alongside evidence disputing their claim, including account statements and I am also willing to provide debit card statements of the transactions, if needed. 

Additional Information : On XX/XX/XXXX, I requested my XXXX statements and was promised a response within a specified period ( 14 days ), which has not yet been fulfilled.

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 2024-12-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: PRIMARY RESIDENTIAL MORTGAGE
State: DE

Complaint narrative:
On XX/XX/year> XXXX XXXX XXXX XXXX XXXX filed foreclosure proceedings against the estate of XXXX XXXX and the United States of America and Secretary of State of Housing and Urban Development but no relief was sought from the United States. XXXX XXXX filed a counter claim for fraud which was denied by the judge for lack of material evidence. XXXX then filed a Cease to Desist on the foreclosure attaching an independent forensic audit done on the mortgage and loan that confirmed fraud and violations of TILA, RESPA, FCRA, and ECOA noting the file was missing these initial and final disclosure documents. The original promissory note was requested because the ORIGINAL " lender '' was PRIMARY RESIDENTIAL MORTGAGE and according to the audit, they are the ones that bear the burden of foreclosure. The note and deed have been seperated so the title is no longer perfect, and the judge denied the claim and the same day granted XXXX XXXX XXXX XXXX XXXX a summary judgment against the estate of XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: NC

Complaint narrative:
I would like to dispute these inaccurate accounts on my credit report. 

Equifax : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX Account XXXX : XXXX XXXX : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX : XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 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: PA

Complaint narrative:
I have unauthorized Accounts and inquiries showing on my credit report. According to the Fair Credit Report Act ( FCRA ), I expect these inquiries to be removed within 4 business days. 

Account : XXXX XXXX Inquiries : XXXXXXXX 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 2024-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: LA

Complaint narrative:
To begin with, I was recently incarcerated for 94 days ( XXXX XXXX XXXX XXXX  ). Upon return home, I realized that two direct deposits were missing from my account. I disputed these transactions and presented proof of incarceration in which they still denied refund of my Social Security payments missing. I didn't authorize nor was aware of the money missing. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: FL

Complaint narrative:
FTC REPORT PERSONAL STATEMENT : I am filing this FTC Identity Theft Affidavit to report due to fraudulent accounts that show on my consumer FICO credit report which I do not recognize as reported and which result from identity theft and fraud. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. This is preventing me from being able to get approved for my home loan and I am in disbelief.

CFPB PERSONAL STATEMENT : This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block and remove 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 a few Personal credit card accounts. 
ACCOUNT NAME : XXXXXXXX XXXX XXXXXXXX DATE OPENED : XX/XX/year> These accounts have resulted in fraudulent hard inquiries and collections appearing on my consumer FICO credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached XXXX XXXX  a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all previous consumer credit accounts, closed accounts, collections, and hard inquiries result from identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am formally disputing inaccurate items on my credit report and reporting identity theft involving the unauthorized use of my Social Security number, which violates federal laws under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under 15 U.S.C. 1681e ( b ), credit reporting agencies must ensure maximum accuracy in consumer reports. The following fraudulent accounts, inquiries, and public records must be removed immediately : Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XX/XX/2024 ) Inaccurate Address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Under 15 U.S.C. 1681c-2, I request expedited removal of this fraudulent information. The misuse of my Social Security number also violates 15 U.S.C. 1692e, which prohibits false representation.

Additionally, under 15 U.S.C. 1681s-2, furnishers must report accurate data and conduct proper investigations. I demand a full review under 15 U.S.C. 1681i, with the removal of unverifiable or inaccurate items.

Failure to act promptly may lead to legal action to enforce my rights under the FCRA and FDCPA. I have attached supporting documentation and request confirmation of your investigation within 30 days.

Thank you for your 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 2024-12-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: AmeriCollect
State: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wisconsin XXXX XX/XX/year> Americollect INC XXXX XXXX XXXX XXXX, WI, XXXX Subject : Cease and Desist Request Dear Americollect INC I am writing to formally request that you cease and desist all communication and collection efforts regarding the alleged debt you claim I owe. Under the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to request that you stop contacting me in any manner, including by phone, email, mail, or any other method of communication. 

Details of the Alleged Debt ( if applicable ) Account Number : XXXX Debt Amount : XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Please consider this letter as my formal request to cease all communications with me regarding this matter. While I understand that you may be attempting to collect on this debt, I do not believe I owe the amount claimed, or I dispute the validity of the debt, and as such, I am requesting that no further actions be taken without proper verification of the debt.

This request includes, but is not limited to, any collection calls, emails, letters, or in-person visits. Please note that if you continue contacting me or engaging in any further debt collection activities, I will consider pursuing legal action for harassment or violation of my rights under the FDCPA.

If you believe legal action or further collection efforts are necessary, please provide documentation verifying the debt, as required by law.

I request that you confirm receipt of this letter in writing and provide written verification that you will comply with my request.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Upon checking my credit report, I identified multiple accounts that I do not recognize and suspect are fraudulent. Please block and delete these entries immediately.

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 2024-12-13 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: CT

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 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 2024-12-13 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: CT

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