vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-09 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: TX

Complaint narrative:
This complaint is directed at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX for their persistent reporting of inaccurate and harmful information to credit reporting agencies, which has caused significant damage to my financial standing. These actions constitute violations of federal consumer financial protection laws, including the Fair Credit Reporting Act ( FCRA ). 

Details of the Harm : XXXX XXXX XXXX : XXXX XXXX XXXX is reporting a charged-off account with a balance of {$5100.00}, even though public records confirm that the company is not authorized to conduct business in Texas. 
Records from the Texas Secretary of State and Comptroller show that XXXX XXXX XXXX franchise tax status is Ended and its registration is Inactive. 
By reporting accounts for Texas residents, XXXX XXXX XXXX is engaging in unlawful conduct. 
XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX is reporting a charged-off account with a balance of {$43000.00}, accompanied by numerous inaccuracies : Payment terms are listed as {$0.00} per month for 75 months, which is inaccurate. 
The Last Payment Made is recorded as XX/XX/year>, but the payment history shows {$0.00} received. 
Conflicting statuses ( e.g., charge-off and account closure dates ) render the reporting misleading and harmful. 
XXXX XXXX : XXXX XXXX is reporting adverse information on my credit report that is not mine and is potentially connected to trafficking-related circumstances. 
This reporting has negatively impacted my creditworthiness, despite multiple disputes and supporting documentation submitted to clarify the inaccuracies. 
Actions Taken by Me : I filed formal disputes with the relevant credit reporting agencies ( Experian and XXXX ) to correct the inaccuracies caused by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX. 
I provided documentation of XXXX XXXX XXXX inactive business status in Texas, payment records for XXXX XXXX XXXX XXXX, and evidence of my status as a trafficking victim. 
Despite my efforts, the companies have failed to address the inaccuracies, and the adverse information remains on my credit reports.

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 2025-01-09 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: Volvo Car Financial Services U.S., LLC
State: TX

Complaint narrative:
This complaint is directed at XXXX XXXX XXXX, Volvo Car Financial Services, and XXXX XXXX for their persistent reporting of inaccurate and harmful information to credit reporting agencies, which has caused significant damage to my financial standing. These actions constitute violations of federal consumer financial protection laws, including the Fair Credit Reporting Act ( FCRA ). 

Details of the Harm : XXXX XXXX XXXX : XXXX XXXX XXXX is reporting a charged-off account with a balance of {$5100.00}, even though public records confirm that the company is not authorized to conduct business in Texas. 
Records from the Texas Secretary of State and Comptroller show that XXXX XXXX XXXX franchise tax status is Ended and its registration is Inactive. 
By reporting accounts for Texas residents, XXXX XXXX XXXX is engaging in unlawful conduct. 
XXXX XXXX XXXX XXXX : Volvo Car Financial Services is reporting a charged-off account with a balance of {$43000.00}, accompanied by numerous inaccuracies : Payment terms are listed as {$0.00} per month for 75 months, which is inaccurate. 
The Last Payment Made is recorded as XX/XX/year>, but the payment history shows {$0.00} received. 
Conflicting statuses ( e.g., charge-off and account closure dates ) render the reporting misleading and harmful. 
XXXX XXXX : XXXX XXXX is reporting adverse information on my credit report that is not mine and is potentially connected to trafficking-related circumstances. 
This reporting has negatively impacted my creditworthiness, despite multiple disputes and supporting documentation submitted to clarify the inaccuracies. 
Actions Taken by Me : I filed formal disputes with the relevant credit reporting agencies ( XXXX and XXXX ) to correct the inaccuracies caused by XXXX XXXX XXXX, Volvo Car Financial Services, and XXXX XXXX. 
I provided documentation of XXXX XXXX XXXX inactive business status in Texas, payment records for Volvo Car Financial Services, and evidence of my status as a trafficking victim. 
Despite my efforts, the companies have failed to address the inaccuracies, and the adverse information remains on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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:
My accounts were always on time! Specially with XXXX XXXX, I had a wonderful payment history, and every payment was set up on autopay. They processed the transaction incorrectly on their end, which is why this late payment is being reported. 

I demand the late payment reported to be removed/updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: PA

Complaint narrative:
Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX  XX/XX/year> Here I attach, along with the dispute, my fraud report that I just sent to Transunion for the second time so that these questions can be removed, hoping that this time this problem will be completely 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 2025-01-09 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Comerica
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX stole my Florida ID, XXXX and XXXX accouonts and cell phone XXXX and used to hack into US social security account and Direct Express Comercia bank account and ordered two debt cards. I have written direct express XXXX XXXX and XXXX XXXX XXXX ID birthcertificate and social security number to no avail. Only missing XXXX SS {$1400.00} I got paper check for XX/XX/XXXX. 
Previously Texas court case XXXX settled by them for XXXX same criminal act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX. XXXX XXXX XXXX XXXX Comerica Bank XXXX XXXX XXXX XXXX XXXX TX XXXX Farmer CEO US FBI next step XXXX XXXX XXXX XXXX in Charge XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX Requesting certified refund check Fed XXXX on day to my address not XXXX XXXX address in Direct Express computer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: OK

Complaint narrative:
I received an email about a debt balance that needs to be paid, I've already tried several times to validate the debt. They have been unable to provide me the continuous bill of sale to prove legitimate debt transfers or origin. 

Additionally, I've receive communication that this debt is now going to court without providing me the necessary documentation. Plus, I also received another email from Midland rather than the collection lawyer, the original alleged lender, or the state offering a lower pay off.

It is not confusion as to how this debt was created, who it originated with, what the balance is, what stage of a prosecution it may or may not be in.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TN

Complaint narrative:
On XX/XX/year> after a temporary restraining order was filed with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  came outside around XXXXXXXX XXXX  and noticed that my car had been stolen and turns out that employees from Toyota Financial Services had a tow truck driver who did not have any business logo on displayed on an all black dark tinted window tow truck come unto private property where there were no trespass signs posted to steal my property without serving me with a court order warrant to seize my property, without properly notifying me pursuant to state law and without litigation. I need the name of the tow truck company, the name of the tow truck employee who can be seen on video stealing my property and the address of the tow truck company. Employees at Toyota Financial Services or any of its entities can not obstruct justice because theres a lawsuit which has been filed at the XXXXXXXX XXXX Federal District Court.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
XX/XX/year> l received multiple credit notifications about hard inquiries that I did not authorize from Bank of America, XXXX XXXX Bank, and XXXX Card Servies. These hard inquiries immediately negatively affected my credit report and credit score causing my credit score to go down.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
XX/XX/year> l received multiple credit notifications about hard inquiries that I did not authorize from Bank of America, XXXX XXXX XXXX, and XXXX Card Servies. These hard inquiries immediately negatively affected my credit report and credit score causing my credit score to go down.

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 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The fraudulent personal information falsely attributed to my identity has created severe disruption in my life, as unauthorized accounts and transactions continue to appear on my credit report without my knowledge or consent. As a confirmed victim of identity theft who has already filed official reports, this situation has inflicted serious damage to both my financial standing and personal reputation, requiring immediate intervention to prevent further harm.

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 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The fraudulent personal information falsely attributed to my identity has created severe disruption in my life, as unauthorized accounts and transactions continue to appear on my credit report without my knowledge or consent. As a confirmed victim of identity theft who has already filed official reports, this situation has inflicted serious damage to both my financial standing and personal reputation, requiring immediate intervention to prevent further harm.

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 2025-01-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Servicer under contract with Federal Student Aid
State: MN

Complaint narrative:
Submitted PSLF buyback request and it has been over 45 days and no response.

Company response to consumer: Untimely response
Consumer complaint received 2025-01-09 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: NV

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 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NV

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 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 2025-01-09 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 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 2025-01-09 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: IA

Complaint narrative:
Unauthorized use of my information, and due to data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: VA

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 2025-01-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Prince Parker & Associates
State: FL

Complaint narrative:
I received calls every day at XXXX XXXX  from a number called PRINCE PARKER. I answered it one morning after XXXX weeks of calls. They said they were collecting a debt for XXXX XXXX XXXX XXXX. I have never used XXXX XXXX XXXX in any way shape or form, and I told them that. They asked me to confirm the last XXXX digits of my XXXX and read XXXX numbers to me. I told them that is NOT the last 4 digits of my SSN, They then asked me to confirm the address and read me an address in XXXX XXXX, Florida. I have never lived in XXXX XXXX Florida. They then read me XXXX phone numbers from this account - none of these numbers have ever been my phone numbers. She said they obviously have the wrong XXXX XXXX. The only thing that matched was my name. I didn't even ask where they got my cell phone number, becuase she said it was obviously a mistake and thank you for my time. This morning, I received a text from XXXX XXXX saying they are trying to collect a debt. I called immediately and told them we talked yesterday and it was fraudulent. Their response today is that they will continue to call or text me every day until XXXXXXXX XXXX XXXX removes the account from collections. They provided me the XXXXXXXX XXXX XXXX account number ( XXXX ) and XXXX phone numbers on the account and the phone number for XXXX XXXX XXXX. - they told me to call XXXX XXXX XXXX at XXXX. A very nice lady named XXXX answered the phone and tried to help me, but after she entered the account number, she needed a passcode for the account, which I obviously don't have. She said there is nothing she can do without the passcode, and even if I had the passcode, it would then send a text to the phone number on the account, which is not my phone number. Is it allowable for Prince Parker to continue to call me every day about an account that they agree is not mine? How do I stop this?

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 2025-01-09 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: NY

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Accounts : XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX date opened XX/XX/XXXX bal. {$2200.00}, XXXX XXXX XXXX Account XXXX XXXX date opened XX/XX/XXXX bal. {$1200.00}, XXXX XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$1100.00}. Inquiries : XXXX credit, XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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 contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. XXXX credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. 
XXXX XXXX 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