vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-18 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Transunion Experian and Equifax are reporting inaccurate information on my credit report. And continue to violate 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION. This erroneous information is ruining my credibility, and I would like it removed entirely from my credit report. List of inaccurate information : the reporting of XXXX XXXX XXXX XXXX XXXX XXXXXXXX is inaccurate and must be deleted as INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes the reporting of these accounts Inaccurate. Once again, 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION ( A ) Reporting Information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency If the person knows or has reasonable cause to believe that the data is inaccurate. Duty : a moral or legal obligation ; a responsibility. Accurate : correct in all details ; exact. PROHIBITION : a law or regulation forbidding something As Defined by the IRS. Even if you didn't receive a Form 1099-C, you must report the canceled debt as gross Income on your tax return. The IRS Clearly defines a charge-off as Gross or Ordinary Income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes your reporting of this account Inaccurate. Both XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX are inaccurate and must be removed.

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 2025-03-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Transunion Experian and Equifax are reporting inaccurate information on my credit report. And continue to violate 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION. This erroneous information is ruining my credibility, and I would like it removed entirely from my credit report. List of inaccurate information : the reporting of XXXX XXXX XXXX XXXX XXXX XXXXXXXX is inaccurate and must be deleted as INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes the reporting of these accounts Inaccurate. Once again, 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION ( A ) Reporting Information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency If the person knows or has reasonable cause to believe that the data is inaccurate. Duty : a moral or legal obligation ; a responsibility. Accurate : correct in all details ; exact. PROHIBITION : a law or regulation forbidding something As Defined by the IRS. Even if you didn't receive a Form 1099-C, you must report the canceled debt as gross Income on your tax return. The IRS Clearly defines a charge-off as Gross or Ordinary Income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes your reporting of this account Inaccurate. Both XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX are inaccurate and must be removed.

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 2025-03-18 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: MI

Complaint narrative:
Ive been through human trafficking, and while I was being exploited, my personal and financial details were misused without my permission. This led to fraudulent accounts and debts being created in my name. Id appreciate it if you could look over my credit report considering this background and help fix any mistakes or fraudulent actions that have taken place. Ive included documents from the appropriate authorities and organizations that can confirm my situation.

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 2025-03-18 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: IL

Complaint narrative:
15 USC 1681 Law Requires information to be reported Accurate and Complete according to the FCRA.

The Accounts listed are all inaccurate and unauthorized accounts which are a violation of my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: IL

Complaint narrative:
15 USC 1681 Law Requires information to be reported Accurate and Complete according to the FCRA.

The Accounts listed are all inaccurate and unauthorized accounts which are a violation of my consumer rights.

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 2025-03-18 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: MS

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-03-18 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: MA

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX. dispute report number ; XXXX for XXXX XXXX XXXX XXXX dispute report number : XXXX for XXXX XXXX XXXX I've submitted dispute with EXPERIAN and asked them to remove these errors but they havent removed anything

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 2025-03-18 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
In XX/XX/XXXX, I consolidated my student loans during the window when we could do so to align qualifying payments ( PSLF ) across multiple loans. When my consolidation was completed, my previous repayment plan ( SAVE - I was automatically switched from REPAYE ) was being challenged. As I had no options for a qualifying plan, I was placed into forbearance by Mohela which was affirmed in a letter dated XXXX XXXX, XXXX. 

In XX/XX/XXXX, I received a notice that I had a payment due. I'd been removed from forbearance and placed on a standard plan which is not PSLF eligible. I contacted them via their inbox feature and on XX/XX/XXXX, they placed my account back into forbearance and sent a letter. 

On XX/XX/XXXX, I received a notice that I had a payment due and was past due by 2 months ( XXXX and XXXX ). I've once again been moved from forbearance and been placed on a non-PSLF eligible standard plan. Interest has accrued and this has been reported to credit agencies. 

I have tried to call Mohela the past 2 days and each time the wait exceeds 5 hours ( I am sitting on hold now out of desperation ). There is no option for a call back or to schedule a call. I have sent another message via their inbox. But I need this resolved and it would be very helpful to speak to someone. A 5 hour wait during business hours is impossible. And reports all over suggest it is normal to wait, get a trainee, and then get placed into another queue for hours to speak to a more senior rep. 

I just need this fixed while the situation with PSLF eligible repayment plans is hashed out. I am XXXX XXXX into this process and have no interest in switching to a standard plan after all this progress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company

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 2025-03-18 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XXXX XXXX, I received an alert of fraudulent transaction from Bank of America, so I walked to Bank of America XXXX XXXX XXXX XXXX in New York and requested to close my credit card account on that same day. As I overpaid in my previous payment, I was supposed to get a refund of {$3100.00} from Bank of America. They promised to send me a check, which I have never received. 

On XX/XX/XXXX, Bank of America sent me a letter saying that the check had already been issued on XX/XX/XXXX and had already been cashed. They enclosed a copy of the check, on which the payee was a completely different name from mine. 

For over 7 months, I have made painstaking efforts to contact Bank of America and go to seek help from associates from the XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. My case was opened, closed, reopened and withdrawn again. All in vain. 

Whats more, I received a refund of {$200.00} from XXXX on the same account. Bank of America promised to refund me by sending me another check. Again I have never received it. 

I have been to police department and even called XXXX, but NYPD dont go after large corporations. Sad truth. 

It has been the most frustrating and excruciating experience I have encountered in the US. Though I have received help from the local financial centers, the bureaucracy, arrogance, inefficiency and negligence of the credit department and check department of Bank of America are shockingly through the roof. 

I have kept all the evidence from the bank.

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 2025-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Flexible Finance, Inc.
State: OH

Complaint narrative:
Received multiple text messages regarding a company called XXXX XXXX  whom i have never heard. 

On XX/XX/XXXX via email I requested a verification of the debt owed due to it preventing me from getting rental assistance at the place I live. no mail has been received not have I received any letters. 

On the date of XX/XX/XXXX, I noticed that no response was returned regarding debt. It has been approximately 38 days and no correspondence was received from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: VA

Complaint narrative:
I received a notification via credit monitoring that my unpaid principal balance increased by the total amount of my escrow shortage in XXXX. I have never in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ever seen a escrow shortage rolled into a principal balance when a loan has not been modified or change. XXXX XXXXXXXX XXXX continues to service my account incorrectly. Furthermore, I have paid XXXX towards the shortage and on XXXX when I called and logged into my account, I see that my monthly payment has been increased to XXXX, because they have not done a proper escrow analysis and applied to funds to the shortage. I am aware that XXXX of the shortage is due to XXXX payments being disbursed to XXXX XXXX XXXX while I was transitioning from insurance company to the next. However XXXX is in receipt of those funds. This is a mishandling of my payments and escrow under Reg Z and Reg X. I have not recently modified my loan nor have I missed any payments which would warrant such modification. XXXX needs to perform my escrow analysis decreasing the shortage by XXXX and spread the remaining balance of XXXX over 20 months. They have negatively impacted my credit by reporting incorrect information, since when does an escrow shortage roll into a balance and before an escrow analysis is done which on their own letter the sent to me was to occur on XXXX ( that was the due date to remit the overpayment to travelers ). This is a violation of FCRA and I demand that my account is updated with the CRA 's to reflect accurate information. I will also be contacting the States Attorney General to file a formal complaint.

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 2025-03-18 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: TX

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
Hello, My name is XXXX XXXX. I am contacting about my debit card dispute with USAA that initiated in XXXX and still does not seem to be complete. I am getting all my provisional credits taken back, even though I have proof that my card was stolen. I called about a month after I got my replacement card, issued after I filed the dispute in XXXX, was not working and money was being debited from my account again by USAA. I then called USAA and was informed that they are exercising their right to no longer do business with me and will be returning any remaining money to me within 60 days. It has been well past the 60 days and my documents have not been reviewed, I have not gotten any money back, and just been provided terrible customer service. There is video footage from establishments I claimed on my dispute, showing the purchases were not done by me. No investigation was taken seriously and I have been repeatedly kicked when down, even though I am the victim of theft. Also, addresses on orders that I have never lived at were used from my card. The text I provided is from XXXX XXXX, my ex friend who stole my card. She also stole my XXXX debit card and I can almost guarantee the addresses and names used for the order match up to her or members of her household at XXXX  XXXX XXXX XXXX, XXXX, CA. My dispute case with XXXX was resolved in my favour. I was stolen from not only financially, but physically. This situation is getting worse and worse for me not being able to access any money I own or paying back credit cards.

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 2025-03-18 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:
This account was charged on the following date [ XXXX OF FIRST CHARGE STATEMENT ]. Since then, the account has been repeatedly updated as a charge each month. This is an update to the payment history. A charged account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. Your failure to properly investigate this account has violated my rights. I am demanding the removal of the following account : Experian : XXXX 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 explanation
Consumer complaint received 2025-03-18 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: WA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX 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 2025-03-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached XXXX XXXX XXXX XXXX. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

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 2025-03-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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