vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NV

Complaint narrative:
Dear CFPB, I am filing a formal complaint against Credit Collections for failing to validate an alleged debt, in direct violation of the Fair Debt Collection Practices Act ( FDCPA

) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( b ). Upon noticing this account on my credit report, I exercised my rights under FDCPA 15 U.S.C. 1692g (
a ) by requesting written validation of the debt. Despite my request, Credit Collections has failed to provide the necessary documentation, such as a breakdown of the charges, original creditor agreement, or proof of my obligation to pay. Instead, they continue to report this unverified and potentially inaccurate account to consumer reporting agencies.

Under FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting inaccurate or unverifiable information. Furthermore, FCRA 15 U.S.C. 1681i ( a ) ( 1 ) requires furnishers to conduct a reasonable investigation when a dispute is filed. Since Credit Collections has not fulfilled its legal obligations, I believe they are in violation of federal credit laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: PA

Complaint narrative:
I am requesting the immediate removal of the unauthorized accounts from my credit report. These accounts were not authorized by me, and I am unaware of their origins. In line with USC 1681g, please remove them within the next 15 days. Enclosed are the supporting documents for your review.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I recently filed a complaint with Macys because I was getting credit card information for XXXX XXXX. No one by that name lives at my address. Macys stated that they corrected the problem. They did not. I continue to receive credit card information for this person. I am concerned about the impact on my credit, my address and the lien on my home.

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 2025-01-31 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: CA

Complaint narrative:
Experian has failed to fulfill its legal 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 the disputed accounts, as Experian 's inaction violates federal law 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 2025-01-31 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: NC

Complaint narrative:
I HAVE ASKED ON SEVERAL OCCASSIONS FOR THE INQUIRES TO BE REMOVED ASAP, I DIDNT AUTHORIZED NOR DID I HAVE ANY CREDIT, LOANS. XXXX PERTAINING TO ANY OF INQUIRIES LISTED ON MY CREDIT REPORT : : : : : XXXX XXXX XXXX XXXX VIA DEALER Date of request XXXX Account name XXXXXXXX XXXX Date of request XXXX Account name XXXX XXXXXXXX XXXX XXXX XXXX  XXXX  Date of request XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX Date of request XXXX Account name XXXX XXXX XXXX Date of request XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: NC

Complaint narrative:
I HAVE ASKED ON SEVERAL OCCASSIONS FOR THE INQUIRES TO BE REMOVED ASAP, I DIDNT AUTHORIZED NOR DID I HAVE ANY CREDIT, LOANS. XXXX PERTAINING TO ANY OF INQUIRIES LISTED ON MY CREDIT REPORT : : : : : XXXX XXXX XXXX XXXX VIA DEALER Date of request XXXX Account name XXXXXXXX XXXX Date of request XXXX Account name XXXX XXXXXXXX XXXX XXXX XXXX  XXXX  Date of request XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX Date of request XXXX Account name XXXX XXXX XXXX Date of request XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2025-01-31 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: CA

Complaint narrative:
Cfpb complaint reasons. Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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:
Experian Equifax XXXX TransUnion have been illicit in letting these companies furnish information that is hazardous to my life and my credit and ability to grow in this systematic programs that have been set up.

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 2025-01-31 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:
Experian Equifax XXXX TransUnion have been illicit in letting these companies furnish information that is hazardous to my life and my credit and ability to grow in this systematic programs that have been set up.

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 2025-01-31 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: Eastern Account Systems of Connecticut, Inc.
State: GA

Complaint narrative:
I received a notice of a collections being on my credit report on XX/XX/XXXX. I called XXXX to see why was this reported to collections being that my account was up to date and just disconnected on XX/XX/XXXX. The representative told me it was the current and it shouldn't have been reported to collections. He created a ticket number XXXX for back support. XXXX days later I was told and was another account under my name which wasn't create by me. Never made this account. This was reported to my credit report and it wasn't made by me. I was told that account was created in XXXX. I didn't get into XXXX XXXX on XXXX windy XXXX XXXX until XXXX. After calling again a ticket was created to investigate this matter XXXX. Still nothing was done about this being removed from my credit report. I called again and was transferred to a fraud/ID department. Ticket number was create XXXX. I sent all the information that I was told to send. Proof of residence during XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Utility bill was sent and my ID. I still haven't heard anything from XXXX fraud team or eastern account systems. This is very frustrating being that im in the middle of getting a house and I need this collection removed from my credit report asap! What this being a mistake/ unknown account it shouldn't take months for this to be removed from my credit report. I have no knowledge of this account from XXXX. This is unethical.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: DISCOVER BANK
State: CA

Complaint narrative:
DISCOVER BANK operating handlers have been telling lies since the beginning. I have full documented proof of my accounts being opened and funded. How is it possible to deny legit bank statements sent to me from DISCOVER BANK operating handlers. Cause DISCOVER BANK is just the name. It's those who operate DISCOVER BANK that's telling lies and not being honest and professional per XXXX. XXXX XXXX. Hes a liar and conniving person. He's operating on his own accord and not by the guidelines of DISCOVER BANK. So anyone who is speaking on behalf of DISCOVER BANK is irrelevant. I want to get a real response from DISCOVER BANK personally. My complaint is with DISCOVER BANK. Not with DISCOVER BANK and its operating handlers. So any response to this should come Directly from who is identified in this complaint which is DISCOVER BANK and DISCOVER BANK only. Their are no laws denying or against my request. This is on a Direct name basis. I don't trust all humans. As you can see they can put words in DISCOVER BANK mouth to say what they want DISCOVER BANK to say. Not the real words from DISCOVER BANK personally. Once again. I'm on a name basis. I didn't personally identify individuals but one person. And that's DISCOVER BANK. This is not a court proceeding to have representatives speak on behalf of DISCOVER BANK. So either DISCOVER BANK needs to respond truthfully and honestly with it's own words since it is considered a person. Or just honor what's owed to me. I can't get a authentic bank statement with the money I funded them with in the bank statement. If my accounts were never funded for them to be opened and active. So somebody's lying. And you can't deny documented proof in other words, evidence to back up and support my claim. And with the time frame of this. If I did something illegal or fraudulent. I'm pretty sure by now someone would have made a claim against me by now. So why has no one come forward claiming I did something fraudulent to them. Or made a claim against my money used to fund my accounts. I'm trying to be fair. But DISCOVER BANK operating handlers keep playing third party middlemen not honoring my business with DISCOVER BANK the person who I got business with.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: SC

Complaint narrative:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days! 

These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: TN

Complaint narrative:
DELETE HARD INQUIRIES. THE ACCOUNTS BELOW HAVE VIOLATED MY RIGHTS 15 U.S.C 1681 SECTION 602A. STATES I HAVE THE RIGHT TO PRIVACY. 15U.S.C 1681 SECTION 604 A SECTION 2 ; IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 15 U.S.C 1681 C. ( a ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE TEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS. 15 U.S.C 1681 S-2 ( A ) ( a ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE

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 2025-01-31 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: CT

Complaint narrative:
Experian has done a false review for my credit report and is keeping accounts past the statute of limitations on my credit report illegally. I sent in a dispute for " XXXX XXXX '' account because the date of opening is XX/XX/year> it is well passed statute of limitations. Under 15 U.S.C. 1681c ( a ) ( 4 ) of the FCRA : Most negative items, such as late payments, charge-offs, and collections, must be removed from your credit report after 7 years from the date of the first delinquency.

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 2025-01-31 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have a few inquiries that i did not authorize. The only inquiries that should be on there are from my open trade lines. XXXX ( Bank ), XXXX ( Bank ), XXXX XXXX  ( Finance ) ( 2 ) of those, SYNCB/XXXX ( Bank ). Nine of these accounts i have applied for. I filed bankruptcy and i have been very careful on applying for anything.

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 2025-01-31 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: CA

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my 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 non-monetary relief
Consumer complaint received 2025-01-31 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: MD

Complaint narrative:
I am unable to upload my 1099-C form to show that my debt has been forgiven. I disputed the validity of this debt at an earlier time. 

Id like this account to be removed or updated as paid off on my credit report. 

All credit reports should be accurate per federal law and policy.

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 2025-01-31 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: PA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/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 2025-01-31 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 am writing to formally address a violation of the Fair Credit Reporting Act ( FCRA ) Section 611 ( B ) regarding the reinsertion of previously deleted material into my credit file without proper certification of accuracy and notification to the consumer as mandated by law. There is a fraudulent CREDIT CARD by XXXX XXXX XXXX XXXX ( PARTIAL ACCOUNT NO : XXXX .... ) was opened under my name without my knowledge and I am asking to block and delete this fraudulent account because I have no knowledge about this account. It is a fraudulent account.

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 2025-01-31 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA
State: CA

Complaint narrative:
Dear CFPB, I am writing to file a complaint against MOHELA regarding their refusal to provide me with affordable payment options for my student loans. Despite my repeated requests and explanations of my financial situation, MOHELA has not offered any viable solutions. They have also ignored my request to release my deceased cosigner from my student loan. My cosigner passed away, and despite providing the necessary documentation, MOHELA has not allowed me to remove her from the loan. 

Details of the Complaint : Loan Servicer : MOHELA Issue : Lack of affordable payment options Attempts to Resolve : I have contacted MOHELA multiple times to request affordable payment options, but they have not provided any solutions. 
This situation is causing me significant financial stress, and I am unable to manage my loan payments under the current terms. I kindly request the CFPBs assistance in resolving this matter and ensuring that MOHELA offers me affordable payment options. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation