vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-04 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: KS

Complaint narrative:
XXXX sent a letter XX/XX/year> informing me the us department of education has approved my application for total permanent XXXX discharge. and my loan servicer aidvantage has received all federal direct stafford subsidized and direct stafford unsubsidized loans. XX/XX/year> each loan was paid by the department of education. i have a {$0.00} balance on all loans taken out. my credit reports all reflect my loans are all paid, closed, never late. the school is witholding my transcript, and not allowing me to register because they are demanding money they are not owed. none of my loans were taken out through XXXX XXXX, all my loans have been satisfied and i should not have been reported to a collection agency to pay. thats not right, and potentially now going to affect me and my future financially.

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 2025-02-04 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: KS

Complaint narrative:
XXXX sent a letter XX/XX/year> informing me the us department of education has approved my application for total permanent XXXX discharge. and my loan servicer XXXX  has received all federal direct stafford subsidized and direct stafford unsubsidized loans. XX/XX/year> each loan was paid by the department of education. i have a {$0.00} balance on all loans taken out. my credit reports all reflect my loans are all paid, closed, never late. the school is witholding my transcript, and not allowing me to register because they are demanding money they are not owed. none of my loans were taken out through fort hays, all my loans have been satisfied and i should not have been reported to a collection agency to pay. thats not right, and potentially now going to affect me and my future financially.

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 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Collection Bureau of the Hudson Valley, Inc.
State: KS

Complaint narrative:
XXXX sent a letter XX/XX/year> informing me the us department of education has approved my application for total permanent XXXX discharge. and my loan servicer aidvantage has received all federal direct XXXX XXXX  and XXXX XXXX XXXX loans. XX/XX/year> each loan was paid by the department of education. i have a {$0.00} balance on all loans taken out. my credit reports all reflect my loans are all paid, closed, never late. the school is witholding my transcript, and not allowing me to register because they are demanding money they are not owed. none of my loans were taken out through fort hays, all my loans have been satisfied and i should not have been reported to a collection agency to pay. thats not right, and potentially now going to affect me and my future financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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:
I have been a Victim of XXXX XXXX / Identity theft as a result of this unauthorized accounts were opened in my name with out my permission please block and delete these account from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: Medical Business Bureau
State: IL

Complaint narrative:
15 USC 1681 medi busi bur XXXX has violated legal compliance under 15usc 1681. I am a victim of identity theft. And I have disputed the inaccuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: TX

Complaint narrative:
Dear Equifax Dispute Department, I am writing to formally dispute the following accounts that have been inaccurately reported on my credit file. These accounts do not belong to me, and I request their immediate removal : XXXX XXXX XXXX XXXX XXXX XXXX These accounts were reported in error, and I am requesting their removal under the Fair Credit Reporting Act ( FCRA ). Please initiate an investigation and correct this misinformation as soon as possible. 

I would appreciate a written confirmation once these items have been removed. If you require additional information, please contact me at your earliest convenience. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: GA

Complaint narrative:
I am submitting this formal complaint regarding Equifaxs and Experians failure to ensure the accuracy of my credit report and conduct a complete investigation into a disputed account reported by XXXX XXXX XXXX. Equifax and XXXX have not adhered to their obligations under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 1 ) and 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ).

The inaccuracies on my credit report are as follows : 1.Upon reviewing my credit report, I noticed a discrepancy inaccurate information. dates and details differ from those reported by the credit bureaus. The date of when the account allegedly was open differ on each credit bureaus. 
2. XXXX XXXX XXXX has not provided any evidence that I own this debt. Specifically, they have failed to produce a signed contract or any documentation proving that I am liable for the alleged debt with their company and myself. Equifax and XXXX has failed to provide proper investigation and proof the investigation. 
3.This debt from XXXX XXXX XXXX XXXX not belong to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CO

Complaint narrative:
I'm a truck driver, I was told if I paid XXXX $ on XX/XX/year> I would have a contract to for a route. After I paid using cash app, I never received the contact, within XXXX minutes I tried reaching out to cash app file for fraud, nobody responded then I got message saying no fraud was committed.. when is was...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: AZ

Complaint narrative:
I am formally disputing the following negative items on my credit report : XXXX - XXXX - {$0.00} These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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 2025-02-04 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:
Subject : Request for Blocking and Deletion of Accounts Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) I am writing to formally request the immediate blocking and deletion of the following accounts from my credit report, as I am a victim of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am exercising my rights under federal law to have these accounts blocked and removed from my credit file. 
The accounts in question are as follows : 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 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 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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 request the immediate removal of the unauthorized accounts from my credit report. These accounts were not initiated or approved by me, and I am unaware of their origins. Per USC 1681g, I am formally requesting their deletion within 15 days. Relevant documents are included for your review.

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 2025-02-04 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: Self Financial Inc.
State: IL

Complaint narrative:
Reinvestigation Complaint Letter to CFPB XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Regarding Unresolved Credit Report Disputes Dear CFPB, I am writing to file a formal complaint against XXXX regarding unresolved inaccuracies on my credit report. Despite multiple disputes, the items listed below have been repeatedly verified without proper evidence, in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i. 
Disputed Items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX not my account no acknowledgment of this account i filed a ftc report as well for identity theft 2.SELF/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  identity theft I provided my birthday is XX/XX/XXXX they have XX/XX/XXXX I have requested detailed explanations and evidence of the verification process from the credit bureau, but have not received satisfactory responses. This continued verification without proper evidence is damaging my credit profile and hindering my financial well-being. 
I request the CFPB 's assistance in ensuring that a thorough investigation is conducted and that the credit bureau provides the necessary documentation to verify the accuracy of the disputed items. If the information can not be verified, I request that these items be removed from my credit report according to FCRA, 15 U.S. Code 1681i. 
Thank you for your assistance in resolving this matter. 
Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Reinvestigation Complaint Letter to CFPB XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Complaint Regarding Unresolved Credit Report Disputes Dear CFPB, I am writing to file a formal complaint against XXXX regarding unresolved inaccuracies on my credit report. Despite multiple disputes, the items listed below have been repeatedly verified without proper evidence, in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i. 
Disputed Items : XXXX. Capital One Acct XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX not my account no acknowledgment of this account i filed a ftc report as well for identity theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX identity theft I provided my birthday is XX/XX/XXXX they have XX/XX/XXXX I have requested detailed explanations and evidence of the verification process from the credit bureau, but have not received satisfactory responses. This continued verification without proper evidence is damaging my credit profile and hindering my financial well-being. 
I request the CFPB 's assistance in ensuring that a thorough investigation is conducted and that the credit bureau provides the necessary documentation to verify the accuracy of the disputed items. If the information can not be verified, I request that these items be removed from my credit report according to FCRA, 15 U.S. Code 1681i. 
Thank you for your assistance in resolving this matter. 
Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: MI

Complaint narrative:
I am filing a complaint regarding multiple inaccuracies on my Experian credit report, including incorrect account balances, late payments that are not accurate, and other erroneous information associated with accounts in my name. 

I have taken several steps to resolve these issues : Past Disputes : I previously disputed incorrect names and addresses on my credit report. However, when I requested copies of past credit dispute records and results, Experian provided only limited or incomplete documentation. 
XXXX Challenges : Despite multiple attempts to resolve these inaccuracies with Experian, I was informed that speaking with a live person to address disputes is not an option. This lack of access to live support makes it impossible to fully address the issues or understand dispute outcomes. 
These barriers are preventing me from effectively correcting errors on my credit report, which significantly impacts my creditworthiness and financial standing. 

I am requesting that Experian : Conduct a thorough and accurate review of all disputed accounts. 
Provide full and complete records of all past disputes and their resolutions. 
Ensure a way for consumers to communicate with a live representative to resolve disputes properly. 
Please address this matter promptly and provide clear steps to ensure these inaccuracies are corrected and that future disputes can be properly resolved.

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 2025-02-04 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:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAVALRY INVESTMENTS, LLC
State: NC

Complaint narrative:
During covid, the company kept pushing payments back due to the pandemic and instead of them letting me know it was putting me behind and they came and repossessed my car. I talk to other places in relations to XXXX XXXX. The amount they say I paid is def incorrect, I feel I was cheated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Dear Reader, I am writing to formally dispute inaccuracies I discovered on my credit report, which I reviewed in XX/XX/year>. Upon reviewing the report, I found several discrepancies that I believe are incorrect. Specifically : XXXX XXXX account ( ending in XXXX ) : This account is listed as being opened on XX/XX/year>. I believe this is an error and request that it be investigated. 

Inquiries : XXXX XXXX : Listed inquiry on XX/XX/year>. 
XXXX XXXX : Listed inquiry on XX/XX/year>. 
XXXX XXXX XXXX : Listed inquiry on XX/XX/year>. 
XXXX  XXXX : Listed inquiry on XX/XX/year>. 

I have already contacted TransUnion via phone to report these inaccuracies and have sent supporting documentation by mail and for months nothing has changed. I kindly request that you investigate these discrepancies and provide me with an updated and accurate report at your earliest convenience. 

Thank you for your attention to this matter. Please confirm receipt of this dispute and notify me of the results as soon as possible. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am a victim of XX/XX/XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to XXXX ( b ) ( 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 2025-02-04 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: FL

Complaint narrative:
I would be grateful if you could promptly eliminate the fraudulent entries from my credit report given the circumstances and take the necessary steps to rectify any inaccuracies or fraudulent actions. I've attached documentation from the appropriate authorities to support my claims.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: NY

Complaint narrative:
I received a copy of my credit report and found the following items to be errors. Here as follows are items in error : XXXX XXXX, Account Number : XXXX Please Explain how youre reporting a Balance and past due amount on a closed/Charge-Off account. THIS Violates the statue of limitations Please delete due to a violation of 15 U.S. Code 1692g - Validation of debts Please VALIDATE this information with the creditors and PROVIDE ME WITH ANY DOCUMENTATIONS associated with these accounts, ( XXXX XXXX CONTRACT BEARING MY SIGNATURE ). I formally request that this information be immediately corrected or deleted from the credit file you maintain under my social security number. Please note that you have 30 days to complete your investigation, as per the FAIR CREDIT REPORTING ACT section XXXX ( a ) ( XXXX ), and I am keeping CAREFUL record of your actions. Failure to respond satisfactorily within 30 days of RECEIPT of this letter will result in a small claims action against your company. I will be seeking damages for : XXXX. ) Defamation XXXX. ) Violation Of The Fair Credit Reporting Act P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via the XXXX XXXX XXXX 

* Please remove all non-account holding inquiries over 30 days old. 

Thank you for your cooperation in this matter,

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 2025-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BMO BANK NATIONAL ASSOCIATION
State: NV

Complaint narrative:
BMO closed my account to no information from me and refused to discuss any information, refused to refund

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 2025-02-04 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:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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