vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-18 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: CT

Complaint narrative:
Experian has failed yet again to remove another inaccurate account from my credit report. I want an explanation explaining the steps they used to verify this accounts accuracy, because I believe they are doing incomplete, inaccurate, and even some would say " fake '' investigations. I sent in all proof of the inaccuracies to Experian and the CFPB and would need this account removed immediately. This account is also now being put under litigation because Experian is not showing any fairness to its consumers. I would also like a reinvestigation explaining why this account remains accurate. 15 U.S. Code 1681i - Procedure in case of disputed accuracy. 

Account info Account number 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 2025-02-18 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: ID Analytics, Inc.
State: TX

Complaint narrative:
I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information.

I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
LVNV added a collection account on my credit file That they no long owe. I was in dispute with LVNV from XX/XX/XXXX. I sent them a validation certified letter in which they never answered. I opened a complaint with the XXXX  in South Carolina and no answer. As of XX/XX/XXXX they added this to a collection account on my credit report. Now as of XX/XX/XXXX another collection agency saying they own the debt. This is completely false. I am in dispute with XXXX XXXX who claims they now own the account. How can XXXX collections agencies own the same debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I had a XXXX XXXX XXXX which i canceled they took a a payment out for XXXX i talk to BANK OF AMERICA THEY KEEP TELLING ME THE CALM IS BEING LOOKED INTO BUT XXXX  XXXX SENT ME A LETTER STATING THEY SENT IT BACK ON XX/XX/XXXX XXXX .BANK OF AMERICA JUST THEY OR WAITING ON MASTER CARD. MY ACCOUNT NUMBER IS XXXX XXXX XXXX XXXX XXXX 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 monetary relief
Consumer complaint received 2025-02-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
My loans were erroneously put into a Graduated repayment plan in XXXX of XXXX. I did not sign anything and I understand that the law states I was required to before they made any change. They should have remained in an Income-Driven plan. The person on the phone gave me bad information. Even though I submitted new XXXX XXXX ( XXXX ) in XXXX of XXXX and filed a complaint they are still not fixed. Now they are in forbearance and still say Graduated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: GA

Complaint narrative:
I have not authorized this company to furnish or report any information related to this account to the credit bureaus. According to the Fair Credit Reporting Act ( FCRA ), Section 1681b, information can not be reported to credit bureaus without consent, and I have not provided such consent. Additionally, under Section 1681e of the FCRA, all information reported must be accurate, and I know this is not the case because I do not owe this debt.

Lastly, I have asked them to please provide evidence of their authorization, they responded with this account is accurate. I asked them to provide documentation and procedures to how they came up with this information as verified. If no such documentation exists, I request that you immediately remove this entry from my credit file being that it is causing damages to my reports and also tarnishing my reputation which has caused me losses.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 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: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
For multiple times of saying this, Ive had my identity stolen and need your assistance to quickly eliminate these fraudulent entries. Please delete this particular item at your earliest convenience and make sure to update all other inaccurate information without delay.

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 2025-02-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: CL Holdings LLC
State: OK

Complaint narrative:
This debt with XXXX XXXX is over XXXX XXXX XXXX and this company, Jefferson Capital has attempted to collect on this for the last 4 years. Twice I have disputed the debt on my credit report and it has been removed successfully after XXXX found it to be incorrect/old information. The 2 times it has been removed was XXXX of XXXX and XXXX of XXXX. I'm not sure how it can be removed successfully twice, but then the same company is allowed to open it up as a new account and continue to try and pursue. This debt is over a decade old, and it's no longer in the time frame to be collected- this has become harassment on their end, and it's affecting my mental health. 
The number that is texting me is from XXXX. This will not be paid by me now or in the future so any attempts to collect are not going to be successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I found out that 2 of my accounts where marked 90 days late, this is from my department of education loans : DEPT OF ED account has become 90 Days Late Between XX/XX/XXXX and XX/XX/XXXX, your DEPT OF ED student loan account status changed from " Current '' to " 90 Days Late ''. 
DEPTEDXXXX account has become 90 Days Late Between XX/XX/XXXX and XX/XX/XXXX, your DEPTEDXXXX student loan account status changed from " Current '' to " 90 Days Late ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
this account was supposed to be removed with all negative information and payment history when i file for bankruptcy, but it never was I disputed this account with the credit bureaus several times with supporting documents, but the bank keep send it back as accurate that's why I'm disputing it here to finally get it of my credit report. 
account XXXX XXXXXXXX date opened -- XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
I have never done any business with this company nor do they have a wet signature of mines.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Subject : Demand for Immediate Deletion of Inaccurate Account from Credit Report Pursuant to FCRA and Consumer Law To Whom It May Concern, I am writing to demand the immediate deletion of an inaccurate account from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically consumer law 15 U.S.C. section 602 ( a ) and 15 U.S.C. 1681 section 604 ( a ) section 2. Upon reviewing my credit report, I have identified an account entry that is inaccurately reported and must be removed promptly to avoid legal repercussions.

The inaccurate account entry is as follows : Creditor Name : XXXX XXXX Account NumberXXXX Date Opened : Creditor refused to give me any information Error in report : Reporting no data or data information on XX/XX/XXXX until XX/XX/XXXX. No information reported for original creditor, company sold, monthly payment, last payment and your statement. 
Balance : {$8600.00} Creditor Name : At XXXX XXXX XXXX XXXX XXXX Account Number:XXXX Date Opened : XX/XX/XXXX Error in report : Reporting no data or data information from XX/XX/XXXX until XX/XX/XXXX under payment history.Account Number with XXXX XXXX XXXX : XXXX. Account Number with XXXX : XXXX. Balance Reported : {$430.00}. Date Opened with XXXX XXXX XXXX : XXXXDate Account went to Collection : XX/XX/XXXX Balance : {$430.00} I assert that this account entry is inaccurate and violates my rights under the FCRA and relevant consumer protection laws for the following reasons : 1. Violation of FCRA and Consumer Law : The FCRA and consumer protection laws explicitly prohibit the reporting of inaccurate or incomplete information by consumer reporting agencies. The inclusion of this inaccurate account on my credit report constitutes a violation of these laws.

2. Immediate Deletion Requirement : Pursuant to FCRA and relevant consumer protection statutes, I demand the immediate deletion of this inaccurate account from my credit report unless the creditor wishes to face penalties of up to {$1000.00} for each violation. Failure to comply with this demand will result in legal action to enforce my rights under the law.

3. Preparedness for Litigation : I am fully prepared to pursue litigation against the creditor and any consumer reporting agencies that continue to report this inaccurate account on my credit report. I have documented evidence to support my claim and will not hesitate to take legal action to rectify this matter.

I demand that you take immediate action to delete the inaccurate account from my credit report and provide me with written confirmation of its removal within 5 days of receipt of this letter.

Thank you for your prompt attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at the address or phone number provided above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I was a victim of the XXXX XXXX data breach and I have explained this to them on more then one occasion and it is killing my credit please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MN

Complaint narrative:
I requested that CashApp dispute a transaction for a service that was not properly completed. They denied my dispute, claiming they could not dispute a completed service, despite the service being defective. They had me do the dispute twice and thew second time was over the phone where the man said he " couldn't see a reason why it would get denied '' and it was denied the next day.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Ally Financial has repeatedly violated provisions of the Fair Credit Reporting Act ( FCRA ), the Privacy Act of 1974, and other relevant federal regulations, resulting in the furnishing of inaccurate information to consumer reporting agencies. Despite being put on notice, the consumer reporting agencies has failed to take corrective action. I demand immediate compliance with federal law and cessation of unlawful reporting. Transunion, equifax, and experian, are in violation of my human rights. The FCRA clearly states a consumer report does not consist report containing information solely as to transactions or experiences between the consumer and the person making the report. Additionally, under 15 USC1681s2a, prohibits information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. Despite my notification to XXXX regarding inaccuracies in their reporting, they have failed to cease furnishing incorrect data to these agencies. The payment status being reported all months, different dates across all consumer agencies, dates of delinquencies are false. I've written a letter asking not to share information to any parties also not to furnishing wrong information to them, they still have ignored my request and continued to furnish false information upon me. I've sent letters to agencies to investigate these false misleading accounts and even they still did not fix. After putting them on notice of this behavior, the reinvestigation DID NOT fix anything which is in violation of still misleading inaccurate information. They still did not comply with federal laws and neglected the fact of myself putting them on notice of continuously errors. These agencies have violated many of my rights, which affects my ability to get more further my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Ally Financial has repeatedly violated provisions of the Fair Credit Reporting Act ( FCRA ), the Privacy Act of 1974, and other relevant federal regulations, resulting in the furnishing of inaccurate information to consumer reporting agencies. Despite being put on notice, the consumer reporting agencies has failed to take corrective action. I demand immediate compliance with federal law and cessation of unlawful reporting. Transunion, equifax, and experian, are in violation of my human rights. The FCRA clearly states a consumer report does not consist report containing information solely as to transactions or experiences between the consumer and the person making the report. Additionally, under 15 USC1681s2a, prohibits information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. Despite my notification to XXXX regarding inaccuracies in their reporting, they have failed to cease furnishing incorrect data to these agencies. The payment status being reported all months, different dates across all consumer agencies, dates of delinquencies are false. I've written a letter asking not to share information to any parties also not to furnishing wrong information to them, they still have ignored my request and continued to furnish false information upon me. I've sent letters to agencies to investigate these false misleading accounts and even they still did not fix. After putting them on notice of this behavior, the reinvestigation DID NOT fix anything which is in violation of still misleading inaccurate information. They still did not comply with federal laws and neglected the fact of myself putting them on notice of continuously errors. These agencies have violated many of my rights, which affects my ability to get more further my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion is completely ignoring the evidence I sent them that proves all of my payments were on time.

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 2025-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
On XX/XX/year>, an unauthorized XXXX debit of {$7500.00} was withdrawn from my Chase checking account by XXXX XXXX. I never authorized this transaction and did not give permission for my account to be charged. 

After noticing the unauthorized debit, I attempted to contact XXXX XXXX, but he has blocked my phone number, making it impossible to reach him. I immediately reported the issue to Chase, requesting a reversal of the transaction and a block on any future XXXX debits from this individual or any related entities. 

I am filing this complaint because : I did not authorize this ACH transaction. 
The merchant is avoiding contact, preventing me from resolving the issue. 
I want Chase to process a refund and ensure this person can not debit my account again. 
I request a full investigation into this matter and assistance in recovering my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: WA

Complaint narrative:
Im frustrated by the inaccuracies on my report that are unfairly hurting my scores and costing me opportunities. These errors have led to rejections, higher rates, and setbacks I dont deserve. Its beyond frustrating to be held back by mistakes that shouldnt be there.

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