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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute the following account listed on my credit report, which were opened fraudulently as a result of identity theft. Pursuant to Section 605B of the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate removal of these account from my credit report. Under this section, you are required to block such information within four ( 4 ) business days of receiving my dispute, and I demand that you comply with this legal obligation.

Fraudulent Account in Dispute : Account Name/Number : XXXX Account # : XXXX Date Opened:XXXX  Creditor 's Name : XXXX  These accounts were opened without my knowledge or consent. As required under FCRA Section 605B, I have filed a police report regarding this identity theft.

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: 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:
On XX/XX/year> I sent out an opportunity to cure letter concerning an negative account furnished by XXXX XXXX XXXX requesting all information from Experian, XXXX, and XXXX pursuant Rule XXXX on 15 USC 1666b and the procedure that was used to authenticate accuracy ; What reasonable procedure that they have adopted is designed to ensure that each periodic statement including information required by section 1637b was mailed or delivered to the consumer not later than XXXX  days. I also stated that Failure to provide this information clearly admits that proper steps and certification was not done in compliance with the law 15 USC 1666b, and you ( Experian ) have fraudulently verified an account without a reasonable procedure as required by law and Delete these incomplete and unverifiable accounts and transactions from my consumer reports : 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 2025-01-09 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence XXXX. v XXXX ( mo ) XXXX XXXX Presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before i seek litigation for defamation of character ). XXXX XXXX XXXX balance {$14000.00}, XXXX XXXX XXXX balance {$280.00}, XXXX XXXX XXXX XXXX {$120.00}

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: 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: MS

Complaint narrative:
Subject : Demand for Proper Investigation of Disputed Credit Report Errors To Whom It May Concern : I am writing to formally address Experians inadequate and sham investigation of the disputes I submitted regarding errors on my credit report. Despite providing detailed evidence and documentation to support my claims, Experian has failed to conduct a reasonable and thorough investigation, as required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ). 

This letter specifically concerns the following erroneous items that remain uncorrected on my credit report : XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXXXXXX Your response to my dispute ( s ) demonstrates an egregious failure to comply with your statutory duty to conduct a reasonable reinvestigation. Experians apparent reliance on automated verification systems ( e.g., e-OSCAR ) without genuine review or analysis of my submitted evidence constitutes a sham investigation. This practice fails to meet the standard of a reasonable reinvestigation under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

Experians Failures Include : Failure to Properly Investigate : The lack of engagement with the supporting documentation I provided shows that Experian conducted a perfunctory and ineffective review. 
Failure to Correct Inaccuracies : The disputed items continue to appear on my credit report without justification. 
Failure to Comply with FCRA Requirements : Experians actions violate 15 U.S.C. 1681e ( b ) ( requirement to maintain accurate credit reports ) and 15 U.S.C. 1681i ( a ) ( requirement to conduct a reasonable reinvestigation ). 

Legal Action Warning If Experian does not resolve these disputes immediately, I will have no choice but to escalate this matter. Specifically : 1. Within 10 days, Experian must : Conduct a proper and thorough investigation of each disputed item. 
Provide a written explanation of the investigation methods used. 
Correct or remove the disputed errors from my credit report. 
2. If these conditions are not met, I will pursue all available remedies under the FCRA, including filing a lawsuit for : Actual damages caused by harm to my creditworthiness.

Statutory damages for noncompliance.

Punitive damages for willful violations.

Attorneys fees and costs.

This letter is both a formal dispute and a demand for immediate corrective action. Experians continued negligence and failure to act will result in further liability. 

I expect Experian to take this matter seriously and fulfill its legal obligations under the FCRA. Failure to resolve these disputes adequately and promptly will leave me no choice but to escalate the matter legally and notify regulatory authorities.

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: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
The original company was stage ( comniety bank ). They stated that account was sold to XXXX XXXX and that they had nothing to do with the account as of XX/XX/XXXX. XXXX was contacted and the account was paid on XX/XX/XXXX2021 with an agreement that they would contact all three bureaus to have the accounts removed from reporting. XXXX sent a letter to me and all three bureaus however all the bureaus did was document it as a paid charge off instead of removing the accounts.

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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXinquires Despite numerous requests over the past four months, the debt collector has failed to provide any documents or validate the information regarding the alleged debt. All inquiries made by me have been met with claims that they have no information to show, despite my submission of inquiries related to late payments, collections, and inquiries.

I initially requested validation of the debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Specifically, I asked for : 1. A complete and itemized statement of the alleged debt, including the original creditors name, the date the debt was incurred, and the amount of the original debt. 
2. A copy of the original signed loan or credit agreement, or any other documentation that bears my signature and serves as evidence of my liability for the alleged debt.

3. A detailed explanation of any fees, interest, or charges added to the original debt amount, along with proof of their legal authorization.

4. Proof that the agency is legally authorized to collect debts in my state of residence, including the necessary licensing and bonding documentation.

5. A statement affirming that the alleged debt has not exceeded the statute of limitations in my state of residence.

Per the FDCPA, they were required to respond to my validation request within 30 days of receipt. During this time, all collection activities were supposed to cease, and any negative information reported to the credit bureaus should have been removed.

However, the debt collector has not complied with these requirements. This lack of response represents a violation of my rights under the FDCPA. 
Additionally, I am now invoking my right under FDCPA, 15 U.S.C. 1692c ( c ), to demand that the agency ceases and desists from any further communication or collection efforts concerning this alleged debt. This includes, but is not limited to, telephone calls, letters, and electronic communications to me, my family, friends, or place of employment, as well as reporting data on my consumer report.

Any further attempts to contact me regarding this matter will be considered harassment and may result in legal action against the agency.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
recently I looked at a copy of my credit report and noticed several inaccuracies on my account. this account is hurting my ability to obtain credit. Its my understanding that you will investigate these item for me to ensure accuracy here the item um asking you to verify as accurate 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 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 recently obtained a copy of my credit report as part of my efforts to improve my credit and fulfill my financial responsibilities. Upon review, I noticed several accounts that require further clarification. I am not asserting whether they are being reported correctly or incorrectly, but I am uncertain about their accuracy. Under the Fair Credit Reporting Act ( FCRA ), I understand I have the right to dispute any information that I believe may be inaccurate. Furthermore, I came across some accounts reported in my name by entities I do not recognize, which prompted me to reach out to you for verification. Are you familiar with 15 U.S.C. Sec. 1681i ( a )? As I understand it, if you are unable to provide proof of accuracy, the law requires that these accounts be deleted. Therefore, I request that these accounts be thoroughly investigated, and if they are found to be incomplete or inaccurate, I ask that they be removed from my credit report. I am writing to dispute inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ). Below are the accounts I am requesting to be verified 100 % or deleted : XXXX XXXX ( Account # XXXX ) Late payments reported in XXXX XXXX and beyond, and a charge-off with a {$150.00} past due balance. Please verify the payment history and charge-off status. XXXX XXXX XXXX ( Account # XXXX ) Late payments in XXXX XXXX and a charge-off with a {$360.00} balance and {$120.00} past due. Please verify the accuracy of this information. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ) Collection account with a {$78.00} balance as of XX/XX/year>. Please confirm the accuracy of the collection status and details. If these accounts can not be verified, I request their immediate removal from my credit report. Enclosed are supporting documents, including my credit report with the disputed items. Please complete your investigation within the 30-day timeframe required by law. Thank you for your attention to this matter. Sincerely, XXXX XXXX XXXX Enclosures : Credit Report Supporting Documentation

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: CA

Complaint narrative:
I was a victim of identity theft from a XXXX data breach some years ago ( I believe 2015 ). I have been attempting to resolve this issue for several years, however the credit bureaus have refused to remove the fraudulent accounts. Due to this misreporting, I have lost job opportunities, I have not been able to qualify for a home and denied credit. My privacy and security has been violated with no recourse. I have attached my identity theft report and other supporting documents to support my claim. These accounts need to be removed immediately.

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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I requested account verification, informed them my was data breached. Told them account was not mine.

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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian has refused to post correct information. It says the INCORRECT information with XXXX XXXX XXXXXXXX will remain on your credit report. This is how it reads. If they feel its incorrect why are they reporting this. Please fix 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: EQUIFAX, INC.
State: AL

Complaint narrative:
Please delete these fraudulent accounts from my credit report, as I did not authorize their creation. Kindly correct this mistake.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: ND

Complaint narrative:
As of XXXX, I reached my XXXX years or XXXX months of qualifying employment and submitted what should have been my final XXXX. However, my payment counts stopped at XXXX out of XXXX and seemed to remain that way. No more movement was made on my account or payment amounts and I had a few months of payments that did not qualify due to the SAVE injunction placing everyone into administrative forbearance. On XX/XX/XXXX I submitted a buyback or reconsideration request for my PSLF in hopes of getting those payments to qualify or recieve credit for at least two more months so I could receive my forgiveness, which should have been granted in XXXX. I received word about this application and contacting StudentAid.Gov returned no useful results. Around XX/XX/XXXX I checked Student Aid 's website to see that my payment counts had been updated and suddenly, I was now at XXXX. Excitedly, I submitted a request to change my repayment plan, hoping to switch from the SAVE plan to a regular IDR plan so I could get my final payment to count and trigger my forgiveness finally. There was no confirmation about this. I contacted my servicer, XXXX, and StudentAid.gov, who confirmed the application is in, but currently in processing limbo. I have not been given any further updates about my request nor have I been placed in a processing forbearance, which would also allow my payments to count. On XX/XX/XXXX I tried calling StudentAid.gov yet again to find out any information I could about my options, my pending requests and was told that I would see an update from them in the following week or the first week of XXXX about my applications and forgiveness. On the XXXX is when I discovered that my payment count had been rolled back yet again to XXXX, I was extremely confused and disheartened, leading me to reach out once more to StudentAid.gov to find out what had happened and if there was anything that could be done. Yet again I was offered no useful information, only that both applications were still pending and had not yet reached 90 days, so to wait until that time. I am feeling frustrated, misled, and deeply misinformed. This is beyond unacceptable and needs to be rectified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Velocity Portfolio Group
State: MD

Complaint narrative:
I want to file a complaint under : Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 ) I filed a motion to vacate a judgment ( Maryland Rule 2-535 ) the amount of which was incorrect, by Upstart XXXX XXXX who assigned or sold the debt to Velocity Investments LLC . and a law firm who is also involved that I have had no business dealings with at all. 

The court granted the motion that was filed. 

An attempted lien was filed that was rendered void, because it was filed by the law firm before the motion to vacate decision was handed down by the court in XXXX XXXX XXXX XXXX Maryland. 

The current status of the case is : Satisfied I am a XXXX  now. ( XXXX ) and anxious and unsure now, as I wasn't notified or aware of the case. Therefore I filed the motion. Now, a notification is at my wife 's ( estranged ) house stating I needed to pick up some court order from the sheriff by XXXX XXXX. 

Key Violations Under the FDCPA I am reporting : Abusive language of liens being levied. 

False Representation : Misstating the amount owed, claiming unauthorized fees. 

Unauthorized Contact : Communicating with third parties about my personal information and debt without my permission. 

Improper Legal Actions : Challenge of the lien 's recording that was attempted before due process was complete. ( Motion to Vacate Judgement ).

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: CO

Complaint narrative:
Cash app is complicit in a scam stealing {$1000.00} from me. I was charged a scam fee paid through cash app. I reported the incident and supplied pictures of the damage/proof of the scam. Cash app went past their promised 10 day response time and never provided the promised update. After reaching out to customer service I was finally sent what appears to be a denial letter, but it doesnt say that explicitly. From the statement despite specifically asking for pictures, cash app didnt review the pictures. Further the name under customer was not my name or anything close to it. It appears that cash app didnt actually conduct any investigation despite promising to do so. And their attention to detail and professionalism are so low that they didnt follow through on their promises for time frame, documentation, or even the correct customer name.

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 fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I called equifax to remove the freeze off my credit report because for some reason I cant log in to my account and when I let them know the rep said we can only mail you your credit report so you can check it. I wanted the freeze removed and to gain access to my account but they didnt do anything but mail my report to me

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: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I requested account verification, informed them my was data breached. Told them account was not mine.

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: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: John C. Heath, Attorney at Law, PLLC
State: TX

Complaint narrative:
The credit reports that I have seen, all have different credit scores. XXXX has items on my report that should not be on there or been on my report for years. I received a letter saying my information has been sold to a XXXX  party. They told me it would be an investigation but as you can see that didnt happen. To be honest I dont think they investigated anything. I feel like they dont send out all the information and the accounts that got deleted were added back. I also paid Lexington law firm to fix my credit about XXXX  years ago, nothing was accomplish

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation