vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: MS

Complaint narrative:
I had a friend staying with me and he did not have a cell phone, so he would ask to use mine, not thinking about my mobile apps and my cards being in the back of the phone, I I let him use it why I was asleep, to watch XXXX XXXX  and XXXX. Well he got into my Current Bank App and spent a whole bunch of money on my online casino apps and other things. I guess because the merchants said I had the account they denied it. Although, I explained to them he had my phone and cards, which means, logically he had access to my gambling apps, which were on the same phone. They never asked for a police report, until it was denied, I guess so they had a reason to deny the dispute, has a stall tactic or something. Obviously, I was going to pursue the appeal, he stole {$750.00}, that is almost my XXXX payment. I supplied the police report, which was required to appeal the denial. I was told I would here something within XXXX business days. On the XXXX business day, I chatted with a guy that apologized and said he escalated the Appeal, since the 5 days had already lasped and guaranteed me I would here from someone with XXXX Hours. I waited XXXX hours, nothing. I chatted with another representative and she apologized, I was told the wrong information, it would be another XXXX days. Waited XXXX hours and decided I wanted to talk to a supervisor, I spoke with XXXX from customer service, she said she escalated it and it would be another XXXX to 7 days again, but she would get a supervisor to email me when they got on shift at XXXX. No one ever contacted me. That might not be a lot of money to some people, but this is hurting my whole life, currently. I need my money, it is FDIC insured for this very reason.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: FL

Complaint narrative:
I reported to Experian to remove a negative item on my credit report made by XXXX XXXX bank because XXXX XXXX bank canceled the contract thats connected to account number XXXX. This account and negative item should be removed from my credit report because I did not voluntarily cancel the contract and it was done by the company. Therefore I am not responsible for this contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: NY

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 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to formally dispute the inaccurate reporting of my account [ XXXX XXXX ] on my credit report. Upon reviewing my credit file, I noticed that your company has reported this account as a charge-off. However, when I requested a Form 1099-C as required by the IRS for charged-off debts, your company denied that a charge-off ever occurred. This inconsistency raises serious concerns regarding the accuracy of your reporting. 

Under the Fair Credit Reporting Act ( FCRA ), creditors are required to provide accurate and complete information to credit reporting agencies. Your contradictory statementsclaiming no charge-off occurred while reporting it as such to credit bureausdemonstrate a clear violation of my rights under the FCRA. This inaccurate reporting is harming my creditworthiness and financial standing. 

Therefore, I demand that you immediately : 1. Provide proof that your reporting of the charge-off is accurate, including any internal documentation reflecting the alleged charge-off and the reason a 1099-C was not issued.

2. Correct this inaccuracy by either removing the charge-off notation from my credit report or deleting the account entirely if you can not substantiate your reporting.

3. Cease any further reporting of incorrect information to credit bureaus.

If you fail to correct this inaccuracy within 30 days, I am prepared to take legal action under the FCRA for damages caused by your negligent or willful misreporting. Additionally, I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. 

I expect a written response confirming your corrective actions within 30 days of this letters receipt. If you require additional information to investigate this matter, please notify me promptly. 

Sincerely, 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 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to formally dispute the inaccurate reporting of my account [ XXXX XXXX ] on my credit report. Upon reviewing my credit file, I noticed that your company has reported this account as a charge-off. However, when I requested a Form 1099-C as required by the IRS for charged-off debts, your company denied that a charge-off ever occurred. This inconsistency raises serious concerns regarding the accuracy of your reporting.

Under the Fair Credit Reporting Act ( FCRA ), creditors are required to provide accurate and complete information to credit reporting agencies. Your contradictory statementsclaiming no charge-off occurred while reporting it as such to credit bureausdemonstrate a clear violation of my rights under the FCRA. This inaccurate reporting is harming my creditworthiness and financial standing.

Therefore, I demand that you immediately : 1. Provide proof that your reporting of the charge-off is accurate, including any internal documentation reflecting the alleged charge-off and the reason a 1099-C was not issued.

2. Correct this inaccuracy by either removing the charge-off notation from my credit report or deleting the account entirely if you can not substantiate your reporting.

3. Cease any further reporting of incorrect information to credit bureaus.

If you fail to correct this inaccuracy within 30 days, I am prepared to take legal action under the FCRA for damages caused by your negligent or willful misreporting. Additionally, I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General.

I expect a written response confirming your corrective actions within 30 days of this letters receipt. If you require additional information to investigate this matter, please notify me promptly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Terrill Outsourcing Group
State: IL

Complaint narrative:
XXXX XXXX  ( a debt collector ) sent me an electronic communications ( email ) about a debt.original debtor is XXXX XXXX This debt email, gave me very minimal information in regards to this debt. On my credit report, this debt is labeled collections/charge off. According to FCRA law 15 U.S. code 1692g, they must first give me proper debt validation before communication with the credit bureau. Please be advised, my first communication with them was on XX/XX/year>. Attached screenshot, you will see that my rights were violated under FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: 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 non-monetary relief
Consumer complaint received 2025-03-10 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: VA

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 non-monetary relief
Consumer complaint received 2025-03-10 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:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: MD

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 non-monetary relief
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: OH

Complaint narrative:
The college was sued multiple times and shut down for fraud of loans they took and false records management and promises to students. They keep trying to collect on this still and the school was shut down for operating false pretense and lying and false information and having students sign for loans and taking their money even lying after loans saying students owed more Money and they keep managing to keep reporting to different lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: OH

Complaint narrative:
I have been a victim of identity theft and have noticed some unauthorized accounts on my credit reports that I did not benefit from. I need these fraudulent collections and chargeoffs removed from my credit reports, because they are harming my chances at buying a home or a car. If the bureaus do not take proper action within 30 days to remove the stated chargeoffs and inquiries, I will also be seeking legal action.

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 2025-03-10 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: FL

Complaint narrative:
I reported to Experian to remove a negative item on my credit report made by XXXX XXXX bank because XXXX XXXX bank canceled the contract thats connected to account number XXXX. This account and negative item should be removed from my credit report because I did not voluntarily cancel the contract and it was done by the company. Therefore I am not responsible for this contract.

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 2025-03-10 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:
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 non-monetary relief
Consumer complaint received 2025-03-10 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: FL

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

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 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX with Social Security XXXX XXXX, a resident of XXXX XXXXXXXX XXXX XXXX XXXX XXXX, submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : Applicant Identification : Full Name : XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID. 
o A copy of a recent utility bill or bank statement confirming my current address. 
o A copy of my Social Security Number. 
Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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.

Complaint narrative:
On " XX/XX/XXXX '' one of my cousin has mis used my documents and purchased product costs ( XXXX ) from XXXXXXXX XXXX XXXXXXXX account which is linked to my PAN and adhar. 
loan account details : Consumer Loan Name of member : XXXX Account Number : XXXX Owner ship : Individual As am working as a software engineer from the reputed corporate company, due to some personal medical emergency to my father on " XX/XX/XXXX '' i went to applied personal loan from one of the reputed bank - as a result it was rejected and they intimated the reason for me why its rejected? then i will get to know the above mentioned mis-used details which is reflecting on my XXXX XXXX as soon as i found the details regarding the XXXX i contacted XXXX customer care and as i requested them to send a default payment link to my mobile number to clear the dues. 

Although i have paid and cleared dues and then raised the dispute to the XXXX it went to closed state after XXXX months. by considering my father health issue i requested loan to the lenders bank again it is rejecting du to delayed payments. 

Am requesting you to take the necessary actions on above stated issue and do me a favour to look after my father health condition. Financially i need a loan to get operate my father health condition. 

As i reached to cibil customer care so many times but i dint get a solution from them. kindly hoping a positive sign from you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: IN

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 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
I received a bad report of not only late payment for XXXXXXXX XXXX XXXX XXXXXXXX account which I have already closed as well as my XXXX XXXX XXXX account and XXXX. Beyond that I received a letter from a third party stating I owe a debt to Caine and Reiner which is also false.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Credit Central Holdings, LLC
State: SC

Complaint narrative:
Please send a cease and desist letter for removal to the following companies : Needs items to be removed and no longer report on my credit CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and loss write-off XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX, SC XXXX closed XXXX & XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: OH

Complaint narrative:
once original creditor sold your debt to a third party debt collector without my permission. i no longer owe the debt. I dispute it it was remove one year later the impact on the old collection strike my credit score again with the same debt i got remove it just came back on my credit report XXXX of XXXX. with a high inaccurate balance.thats affecting my credit score for me to buy my first home its very frustrating in not fair to us american people to get taken advantage of not knowing consumer laws or wasnt taught the proper way in school for us to live in the real world

Company response to consumer: Closed with non-monetary relief