vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-19 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: TX

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax refuses my right to free and fair consumer report. Equifax refuses to remove inaccurate addresses which is a violation of 15 USC 1681 despite being sent proof of the correct information along with proof. On XX/XX/year> an address attached to an inaccurate account ( Denefits ) was not reporting but on XX/XX/year> it is all of a sudden appearing on my report without my authorization or any validation from me. The address attached to that inaccurate report from XXXX is not a residential address. I have NEVER lived there and that address is not mine ( please see attached ). This is a violation of FCRA 15 USC 1681. Equifax also has a third party collections account that does not belong to me from XXXX XXXX XXXX. Third party collections violate the following : FCRA 611 ( 15 U.S.C. 1681i ). This section of the FCRA requires that credit bureaus conduct a reasonable investigation into disputed information. As the collection account is inaccurate and unverifiable, I request that it be removed from my credit report immediately. If the furnisher can not provide verification within 30 days, it must be deleted FCRA 605 ( 15 U.S.C. 1681c ) ** : According to this section, negative information such as collection accounts must be removed from a credit report. If this collection account is older than the allowed reporting time frame, it should be removed. FDCPA 807 ( 15 U.S.C. 1692e ) ** : The **Fair Debt Collection Practices Act** prohibits the reporting of false or misleading information by debt collectors. If the account is not verified by the original creditor or if there are inaccuracies, I demand its immediate deletion under this provision. Unverifiable Debt : If the credit reporting agency and the collection agency can not provide valid documentation and proof of this debt as required by **FCRA 623 ( 15 U.S.C. 1681s-2 ) **, it must be removed from my credit report. Creditors and collectors are legally obligated to report accurate information, and failure to verify the account should result in its deletion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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: Harvard Collections, LLC
State: MO

Complaint narrative:
I have had this {$100.00} removed and they add it like a new collection. I havent lived in Illinois for 20 years from XXXX XXXX XXXX This could be a 20 year old medical bill of {$100.00} has it removed and they put it back on

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: I.C. System, Inc.
State: PA

Complaint narrative:
Violations & Consumer Rights Concerns : Unfair and deceptive collection practices under the Fair Debt Collection Practices Act ( FDCPA ). 
Failure to validate the debt upon request. 
Potential Fair Credit Reporting Act ( FCRA ) violations due to inaccurate reporting. 

This issue has caused financial and emotional distress. I request CFPB intervention to resolve this matter and ensure compliance with federal laws.

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 2025-02-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have made numerous attempts to address this issue by submitting disputes and complaints. I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am a victim of XXXX XXXX XXXX XXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2025-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This inquiry is not authorized and was done by the creditor without my knowledge or permission!! you must remove these inquiries as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am filing a formal complaint against credit bureaus ( Experian, Equifax, and TransUnion ) for failing to comply with my request for debt validation under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ).

I sent a debt validation request to them demanding verification of the alleged debt. Under 15 U.S.C. 1692g ( b ), they were required to provide : A copy of the original signed contract or agreement proving I am responsible for this debt.

A full itemized breakdown of the alleged debt, including proof of ownership and legal collection authority.

As of today, they have failed to provide any of this required documentation.

Since they have not validated the debt, I am now disputing this account under FCRA 609 ( a ) ( 15 U.S.C. 1681g ). The credit bureaus are legally required to provide complete documentation verifying the accuracy of the reported account, including : A copy of the original signed contract with my wet signature.

Proof that the reporting creditor has complied with FCRA and FDCPA guidelines before placing this information on my credit report.

Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if the credit bureaus can not verify the accuracy of this information within 30 days, they are legally obligated to delete the account from my report immediately.

I request that the CFPB intervene to ensure that this account is either properly validated or permanently removed from my credit report. If corrective action is not taken, I will explore further legal remedies for violations of my consumer rights.

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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Remove all inquiries made by bank, mortgage finance, XXXX XXXX or any other agency or entity be removed as they were not authorized by me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Remove all inquiries made by bank, mortgage finance, XXXX XXXX or any other agency or entity be removed as they were not authorized by me

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 2025-02-19 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I have sent multiple letters and tried to call company so they can verify the information in question and have not gotten a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
Navy Federal continues to pester me over a long-closed account that should be written off. The remaining balance is around {$10000.00}. They refuse any action beyond hoarding 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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX XXXX are reporting inaccurate information to the credit bureaus. I sent a complaint about XXXX XXXX  reporting that I owe a certain amount for a repossession, when I have never received a letter that states the vehicle was sold, how much the vehicle was sold for, and how much do I owe. Theres no proof of this vehicle being sold at auction, therefore, there is no proof of me owing what they claim I own. This goes against the FCRA laws. And now they are reporting inaccuracy on how much they claim I owe. First they claimed I owed {$8900.00}, and a few months later now they claim I owe {$8700.00}. Again, there is no proof that this debt is owed. No proof that this vehicle was indeed sold at auction. I am sending screenshots of the inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX are reporting inaccurate information to the credit bureaus. I sent a complaint about XXXX XXXX  reporting that I owe a certain amount for a repossession, when I have never received a letter that states the vehicle was sold, how much the vehicle was sold for, and how much do I owe. Theres no proof of this vehicle being sold at auction, therefore, there is no proof of me owing what they claim I own. This goes against the FCRA laws. And now they are reporting inaccuracy on how much they claim I owe. First they claimed I owed {$8900.00}, and a few months later now they claim I owe {$8700.00}. Again, there is no proof that this debt is owed. No proof that this vehicle was indeed sold at auction. I am sending screenshots of the inaccurate information.

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 2025-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
For the last two weeks I get at least two phone calls a day from Chase. When I answer the phone, they hang up. I feel Iam being harassed by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: MS

Complaint narrative:
Iam fling this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. 
Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history.

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 2025-02-20 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: PA

Complaint narrative:
My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX 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 in to o be removed. 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! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: AMERICAN FINANCING CORPORATION
State: CO

Complaint narrative:
XX/XX/year> I filled out an application for refinance on the internet in minutes I received XXXX different calls and emails from agents representing XXXX XXXX XXXX, I didnt want to pay attention because some people dont talk well about their reputation but the day after I received an email from XXXX XXXX , he stated he is the Senior Financial Advisor, I set my trust on him and I started working with him. While talking to him he was telling me about the papers/ documents I needed to speed up the process, he took me SSN as well. The next day we communicated again where he said to me I need to verify your income and your credit I replied to him what are you talking about, you pulled my credit report with no authorization he apologized. I kept working with him the he put another person in charge, that person asked me for the same documents that I sent XXXX XXXX so I didnt answer to her. XXXX XXXX went on XXXX vacations and assigned another person to the process name XXXX XXXX where she started asking nonsense questions and disrespecting me, I didnt like the way she was approaching me, I didnt want to disrespect her so I told her that I was call off the refinancing process. XXXX XXXX got back and sent me an email and I told him that I didnt want to go forward with the paperwork, he got upset, a few days later he sent me another email asking me what happened between me and XXXX instead of going ahead to read the emails between me and XXXX XXXX Last week I received an email saying that my application was DENIED when that never happened, I refused to continue, three days later he sent me another email charging me {$800.00} for an appraisal that he sent me an email saying that it was no cost for the appraisal and I dont even have that paperwork, looks like he didnt know that when the XXXX came to my house he said that the VA was paying for the appraisal and it was going to be around {$650.00}. I understand XXXX XXXX maybe still upset but he dont have to cover himself with more false accusations. If you need any documentation, I, e copies of the conversations, Please let me know, I got them all, Thank you! Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: EdFinancial Services
State: TX

Complaint narrative:
I contacted ED Financial on XX/XX/XXXX when I found out someone had taken fraudulent student loans out in my name with XXXX XXXX XXXX university. They mailed me a fraud loan package that took a month to get to me. I completed the application and sent numerous documents proving the identity theft. They send me a letter in the mail in XX/XX/XXXX stating it would take them 60 days to review, I called them XX/XX/XXXX, they said they need more information and sent me another application with the additional information required but I already sent them these documents in the first package. 5 months have gone by without a resolution and they continue to make inaccurate to the credit bureaus. ED financial is hosting a platform allowing defamation to continue to take place with no resolution,

Company response to consumer: Closed with explanation