vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

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

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

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

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 2024-12-15 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: MN

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Inquiries : XXXX XXXX XX/XX/23 XXXX XXXX XXXXXX/XX/23 XXXX XX/XX/23 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2024-12-15 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: MN

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2024-12-15 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: IL

Complaint narrative:
I was a victim of the Equifax data breach and because of that I have had multiple accounts including credit cards and cell phone accounts and an installment loan opened in my name. Also numerous hard inquiries. I have have contacted all 3 credit bureaus multiple times and they are refusing to remove the information from my credit report. I have filed a report with identitytheft.gov so it is reported that the accounts are not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-15 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: IL

Complaint narrative:
I was a victim of the XXXX data breach and because of that I have had multiple accounts including credit cards and cell phone accounts and an installment loan opened in my name. Also numerous hard inquiries. I have have contacted all 3 credit bureaus multiple times and they are refusing to remove the information from my credit report. I have filed a report with identitytheft.gov so it is reported that the accounts are not mine.

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 2024-12-15 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: MO

Complaint narrative:
I am filing this complaint against XXXX for the unauthorized and inaccurate reporting of a collection account on my credit report. This account has been reported without my consent or proper validation, in clear violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Details of the Violation Unauthorized Reporting ( FCRA 15 U.S.C. 1681b ) : XXXX failed to obtain my explicit written consent to report this account. Reporting consumer information without permissible purpose is a direct violation of the FCRA.

Inaccurate and Misleading Information ( FCRA 15 U.S.C. 1681e ( b ) ) : Credit reporting agencies are required to ensure the maximum possible accuracy of reported information. The presence of this account, without validation, is inaccurate and misleading.

Failure to Validate the Debt ( FDCPA 15 U.S.C. 1692g ) : I have not been provided with adequate validation or itemization of the debt. Debt collectors are legally required to furnish proper documentation proving the validity of a debt upon request.

Prohibition of Misleading Practices ( FDCPA 15 U.S.C. 1692e ) : Reporting this account without proper validation or consent constitutes a deceptive and unfair practice under the FDCPA.

Failure to Investigate Disputes ( FCRA 15 U.S.C. 1681i ) : Despite disputing this account, no reasonable or timely investigation appears to have been conducted by the relevant credit reporting agencies or XXXX, as required by law.

Impact of the Violation This accounts unauthorized and inaccurate reporting has significantly harmed my creditworthiness, resulting in a lower credit score and negatively affecting my ability to access credit and financial opportunities.

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 2024-12-16 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: CA

Complaint narrative:
Dear CFPB, I am writing to dispute several fraudulent accounts appearing on my credit reports with XXXX, Equifax, and XXXX. These accounts were opened without my authorization, and their continued reporting violates multiple provisions of the Fair Credit Reporting Act ( FCRA ) and other federal laws.

Accounts in Dispute XXXX XXXX Account : XXXX ( XXXX, Equifax , XXXX ) XXXX XXXX XXXX  Account : XXXX ( XXXX, XXXX ) XXXX XXXX XXXX  Account : XXXX ( XXXX, Equifax, XXXX ) XXXX XXXX XXXX  Account : XXXX ( XXXX, Equifax, XXXX ) XXXX XXXX Account : XXXX ( XXXX, Equifax, XXXX ) XXXX XXXX Account : XXXX ( XXXX, Equifax, XXXX ) XXXX Account : XXXX ( XXXX XXXX XXXX ) XXXX XXXX Accounts : XXXX XXXX XXXX XXXX XXXX ( XXXX, Equifax, XXXX ) XXXX XXXX XXXX  Account : XXXX ( XXXX XXXX Equifax, XXXX ) XXXX Refusal to Investigate XXXX  has responded to my valid disputes with an automated email falsely stating : We are responding to your request that information in your personal credit report be blocked due to identity theft. Based on our review of your request and the information available to us, we have determined that either : your request to block was made in error, or, your request to block information was based on a material misrepresentation, or, you knowingly obtained or should have known that you obtained possession of goods, services, or moneys as a result of one or more of the transactions that you are seeking to block.

Therefore, we are declining your request to block one or more of the items of information.

This is an unlawful denial of my rights under 15 U.S.C. 1681c-2, which requires credit bureaus to block fraudulent information upon receipt of proper documentation. My identity theft report is valid, and XXXX refusal to conduct a manual review is a blatant violation of the following laws : 15 U.S.C. 1681i ( a ) ( 1 ) Failure to investigate disputed information properly.

15 U.S.C. 1681e ( b ) Neglecting to ensure maximum possible accuracy in reporting.

15 U.S.C. 1681n Willful noncompliance with the FCRA.

I request the CFPBs immediate intervention to ensure the removal of these fraudulent accounts from all three credit bureaus and to address XXXX failure to comply with federal regulations.

Thank you for your time and attention.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 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: CA

Complaint narrative:
Dear CFPB, I am writing to dispute several fraudulent accounts appearing on my credit reports with Experian, XXXX, and XXXX. These accounts were opened without my authorization, and their continued reporting violates multiple provisions of the Fair Credit Reporting Act ( FCRA ) and other federal laws. 

Accounts in Dispute XXXX XXXX Account : XXXX ( Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account : XXXX ( Experian, XXXX ) XXXX XXXX XXXX  Account : XXXX ( Experian, XXXX, XXXX XXXX XXXX XXXX XXXX  Account : XXXX ( Experian, XXXX, XXXX ) XXXX XXXX Account : XXXX ( Experian, XXXX, XXXX ) XXXX XXXX Account XXXX XXXX ( Experian, XXXX, XXXX ) XXXX Account XXXX XXXX ( Experian XXXX XXXX ) XXXX XXXX Accounts : XXXX XXXX XXXX XXXX XXXX ( Experian, XXXX, XXXX ) XXXX XXXX XXXX Account : XXXX ( Experian XXXX XXXX, XXXX ) Experians Refusal to Investigate Experian has responded to my valid disputes with an automated email falsely stating : We are responding to your request that information in your personal credit report be blocked due to identity theft. Based on our review of your request and the information available to us, we have determined that either : your request to block was made in error, or, your request to block information was based on a material misrepresentation, or, you knowingly obtained or should have known that you obtained possession of goods, services, or moneys as a result of one or more of the transactions that you are seeking to block.

Therefore, we are declining your request to block one or more of the items of information.

This is an unlawful denial of my rights under 15 U.S.C. 1681c-2, which requires credit bureaus to block fraudulent information upon receipt of proper documentation. My identity theft report is valid, and Experians refusal to conduct a manual review is a blatant violation of the following laws : 15 U.S.C. 1681i ( a ) ( 1 ) Failure to investigate disputed information properly.

15 U.S.C. 1681e ( b ) Neglecting to ensure maximum possible accuracy in reporting.

15 U.S.C. 1681n Willful noncompliance with the FCRA.

I request the CFPBs immediate intervention to ensure the removal of these fraudulent accounts from all three credit bureaus and to address Experians failure to comply with federal regulations.

Thank you for your time and attention.

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 2024-12-15 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 am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 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: GA

Complaint narrative:
I've attached three of my last disputes. The investigations have not been done properly. I asked for proper investigations and made it clear that eOscar is not an appropriate method of completing the two. The errors remain, continuing to make my consumer reports have multiple errors and not be uniform across the board. I have a standing cease and desist with the creditor ; however, it has been acknowledged and ignored. Repeated Charge-Off Reports : This account is inaccurately reported with monthly charge-offs, re-aging the debt illegally. This constitutes a clear violation of 15 USC 1681c ( b ), necessitating its removal. Everytime the charge-off is updated, the " on record until '' date changes. One report shows on record until XX/XX/year>, since the most recent charge off update for XX/XX/year>, the on record date is now XX/XX/year>, thus proving the illegal reading of the debt. I've attached proof. Although falsely stated on numerous reports, this account does NOT meet the requirements of the Fair Credit Reporting Act. This constitutes fraud and warrants legal action. 
I'm not sure what to do next other than arbitration/litigation. 
What can be done by the Consumer Financial Protection Bureau to assist?

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 2024-12-15 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: WA

Complaint narrative:
I had a student loan from 2009

one that was subsidized and one that was unsubsidized. Up until several months ago, I owed around {$20000.00} and had submitted my PSLF information and many of the payments were taken off because I worked for non-profit for over 10 years. Then all of a sudden, I go to look at my student loans because they say they are now transferred over to MOHELA and I owe {$31000.00}. And that my loans were apparently consolidated without my knowledge.
They were transferred to MOHELA from XXXX XXXX and I had no knowledge of all this until the past few months I've been trying to deal with this nightmare and I get no assistance. Also, they have my name written wrong, as if I'm dealing with identity theft.

Can someone please help me with this matter, thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Equifax credit breach my personal information was leaked online by th credit bureau and I purchased online credit protection that didn't help me keep my identity safe there has been a lot of loans and personal credit cards obtained in my name that I didn't receive or order XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX card and auto loan was taken out with a car dealership in California im a true victim of identity theft and seem to no get any assistance with the route I'm taken. I we told squeaky wheel gets the grease!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 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: TX

Complaint narrative:
In keeping with my state 's reporting regulations and the applicable federal guidelines for lawful and compliant reporting of consumer credit, it is unlawful to assume report-ability of any claim without physically verified proof of : Fullness of truth Completeness of accuracy Timeliness of validity Certifiable compliant reporting This includes but is not limited to the standards and mandates described or hinted at via the applicable FCRA and FDCPA laws, much less the standard of compliant reporting in the documented perfect and complete Metro 2 Format compliance of reporting!

Issues with Current Reporting Your current reporting is significantly questionable and unproven to be : Veritably precise Correct Outright Timely Validated Otherwise certified compliant This is related to the mandates and standards of lawful reporting in line with the applicable aspects of the FCRA and FDCPA, including but not limited to the mandatory perfect and entire certified Metro 2 format reporting.

Discrepancies in Reporting You are reporting inaccurate and incomplete information in regard to the below-noted medical account ( s ).

I demand that you contact the medical facility, as I have already done, and demand a validation of the debt ( of course, they can't provide the statement at this time ). Since they can not or will not provide an itemized statement for the services : They are clearly in violation of the FCRA and FDCPA.

Please unabbreviate your investigation of this medical collection and remove it because the provider can not validate the information you are reporting on my credit report. REMOVE the following suspect allegation ( s ) immediately and permanently

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 2024-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: TN

Complaint narrative:
To whom this concern : A random {$71.00} attempted to collect a debt that I do not recognize from collections agency AMSHERCOLLECTION SERVICES, there is not way to contact this collection agency, no telephone, email, address, or no way to get in touch with them in regarding this charge, and I this is not a charge that belongs to me. I would like this removed off all 3 major credit bureaus within a timely manor if can not prove this belongs to me. I would like a debt validation letter for what this invoice inquires and what charge is for and if it is proven valid.

Thank you, Have a great day

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation