vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-12 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: CA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX

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 2025-03-12 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: CA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX

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 2025-03-12 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Your Phone Number ] [ Your Email Address ] [ Date ] [ Creditor/Debt Collectors Name ] [ Company Address ] [ City, State, ZIP Code ] Subject : Formal Demand for Removal of Inaccurate Reporting Account # [ Account Number ] To Whom It May Concern, This letter serves as a formal demand for the immediate removal of inaccurate and unverifiable information regarding a broken lease that you are reporting to the credit bureaus under my name. I have identified discrepancies, including multiple reported balances for the same alleged debt, which violates my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your failure to report accurate, verifiable, and legally substantiated information is a direct violation of federal law. As you are aware : 1. Inaccurate and Misleading Reporting My credit report reflects two different balances for the same alleged debt, which is inconsistent and misleading.

2. Failure to Provide Verification If you claim this debt is valid, I demand that you immediately provide complete verification, including original lease agreements, itemized statements, and a full breakdown of charges.

3. Legal Liability Reporting false, misleading, or unverified information violates the FCRA. Continued reporting of unverified debt could result in legal action, including potential claims for damages.

I demand that you immediately remove these inaccuracies from my credit report and cease reporting them to any credit bureaus. If you fail to do so within 15 days, I will take the following actions : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office.

Pursue legal action against your company for violating my consumer rights, including seeking damages for harm to my credit.

This matter is non-negotiable. If you can not provide legally sufficient documentation proving the accuracy of this debt, you are required by law to delete this account from all reporting agencies immediately.

Failure to comply with this request will leave me no choice but to escalate the matter. I expect written confirmation of the deletion of this account within 15 days of receipt of this letter.

Sincerely, [ Your Name ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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:
XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 INQUIRIES 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 XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 XXXX 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 explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history withXX/XX/XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

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

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the 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 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Please ensure that I have the account ending in XXXX with XXXX XXXXXXXX XXXX added to my credit report. I am an authorized user on this account, and XXXX XXXX XXXX has sent a tradeline reinsertion request that has not been processed by Experian. When calling your team, I'm being told that it must be the bank 's error when they're submitting the tradeline reinsertion, which is not correct. I've already exhausted this issue with 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 2025-03-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: NC

Complaint narrative:
Nelnet did not act actin good faith, and reported to the three credit agencies, XXXX, XXXX and XXXX  my student loans which resulted to over XXXX points dropped from my credit score. I spoke with a rep and supervisor, in which they were very rude and told me that it was noting they could do. 
This has affected my quality of life and financial status as to now my credit score is currently a XXXX, when it originally was in the XXXX. I am now unable to buy my home due to this incredibly negative impact on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
An unauthorized inquiry appeared on my credit report today, and I have no idea where it came from. I routinely check my credit report, and seeing this discrepancy has been both frustrating and stressful. I even refreshed my browser multiple times, hoping it was just an error, but it wasnt. I need this issue resolved immediately, and I expect my submitted documents to be thoroughly reviewed so I never have to deal with this again.

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 2025-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Optio Solutions, LLC
State: OR

Complaint narrative:
I get these calls about once a year. I clear it up explaining the debt was paid long ago. They quit calling and then start again. This has been going on for 3 years

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: TX

Complaint narrative:
I am disputing an invalid debt that TekCollect is attempting to collect on behalf of XXXX. I canceled my XXXX account, yet TekCollect continues to demand payment without proper validation. 

- On XX/XX/year>, I received a collection notice from XXXX stating that I owed {$330.00}. 
- On XX/XX/year>, I formally disputed this debt and requested full validation, including : - A breakdown of how the balance was calculated - A record of any payments or adjustments - Proof of my account cancellation with XXXX XXXX XXXXn XX/XX/year>, XXXX admitted that they do not have access to these required documents but still demanded payment. They stated that cancellations were done electronically and implied that I should provide proofeven though they are legally required to validate the debt. 
- On XX/XX/year>, I responded, reiterating that they are responsible for obtaining documentation, not me. 

TekCollect then sent me only a copy of the original contract, which : Does NOT include account history, a balance breakdown, or proof that I owe this debt. 
Does NOT validate that XXXX did not cancel my account as requested. 
Confirms that they lack the legally required information. 

Despite admitting they do not have access to full records, TekCollect continued to pursue collection efforts, including : A settlement offer on XX/XX/year>, which is a coercive attempt to make me pay without proof. 
A vague threat of additional collection remedies despite failing to validate the debt. 
TekCollects Violation of the Fair Debt Collection Practices Act ( FDCPA ) TekCollect admitted they can not produce the required documents, yet they continue collection attempts in violation of 15 U.S. Code 1692g.

They have shifted the burden to me by asking for proof of cancellation, which is not my legal responsibility under the FDCPA. 
They continue to demand payment despite their failure to validate the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: DC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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: DC

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 explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: ARVEST BANK GROUP, INC.
State: VA

Complaint narrative:
I have had this conventional loan for more then XXXX years -- - i owe XXXX and the home is clearly worth far in excess -- - similar home XXXX houses down just sold for XXXX. 

I asked to have the escrow account closed and they want a ~ {$1300.00} fee to close the account even though there is substantial equity in the home and ive never missed even XXXX payment. 

I asked under what circumstances the escrow account could be closed w/o fees and was not given a firm answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: MI

Complaint narrative:
Experian has failed to fulfill its obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer -provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend ALL late payments from my XXXX XXXX XXXX XXXX  account # XXXX, as Experian 's inaction violates federal laws and my rights as a consumer.

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 2025-03-12 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: MOHELA
State: CA

Complaint narrative:
XXXX XXXX accessed two of my loans without authorizations. He is not an elected official

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: FORD MOTOR CREDIT CO.
State: TX

Complaint narrative:
My car has an open recall that the auto company did not tell me about when I got this car and when I tried to fix the issue with the manufacturer they kept my car for a total of a week just to return it and let me know they could not fix the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries 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 2025-03-12 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:
When I checked my credit report this morning, I was surprised to see incorrect accounts listed, and I have no explanation for their presence. I regularly review my report, but this time, I found inconsistencies that had never appeared before. I even attempted to refresh my browser in case it was a technical issue, but the errors persisted. Because of this, I am requesting a thorough examination of the documents I have provided to ensure I dont have to deal with this concern again.

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 2025-03-12 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:
This morning, I was alarmed to find incorrect accounts on my credit report, and I have no clue how they got there. I check my report regularly, but this time, there were errors that hadnt appeared before. Thinking it might be a glitch, I refreshed my browser, but the inaccurate accounts remained. Because of this issue, I ask that my submitted documents be carefully reviewed to ensure I never have to face this problem again.

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 2025-03-12 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This morning, I was alarmed to see an unauthorized inquiry on my credit report, and I have no idea why it's there. I check my credit report regularly, but this time, there were unexpected discrepancies. I even refreshed my browser, hoping it was a glitch, but the issue remained. This is extremely frustrating, and I demand that the documents Ive submitted be reviewed thoroughly so I can finally stop worrying about this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Rocket Mortgage, LLC
State: CT

Complaint narrative:
My mother XXXX XXXX XX/XX/year> refinanced a XXXX XXXX house through quicken loans to bond people out of jail without my knowledge or permission. She also used it as collateral for people with warrants using my ssn. We don't talk and I never would allow this. 
XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX They haven't paid the loan and evicted me XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I'm an authorized user on the below 2 cards. Both banks have stated that they have submitted tradeline reinsertion requests, but they have not been confirmed and are not showing on my credit report. They have stated that I need to work with the credit bureau, Equifax, to ensure that these are properly re-inserted. Again, please add the below accounts to my credit report as I am authorizing that you do the same : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief