vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-02 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Demand for Debt Validation and Method of Verification To Whom It May Concern, I am writing to formally request validation of the debts listed below that are currently being reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) ( 1 ), I am disputing the accuracy and completeness of these accounts and demanding a full and detailed method of verification.

Per 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), you are required to provide me with the name, address, and telephone number of the entity that provided the information, along with documentation proving that these debts are valid. Furthermore, as part of your investigation under 15 U.S.C. 1681i ( a ) ( 7 ), I demand that you provide the following details regarding each disputed account : 1. The name of the individual ( s ) you spoke with during your investigation 2. The date ( s ) and time ( s ) of the conversations 3. The method used to verify the accuracy of the information 4. Copies of all documentation, agreements, and records used to verify the debts The accounts in question are as follows : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Numbers : XXXX ( 4 different accounts ) XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Numbers : XXXX, XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX If you can not provide a full and complete method of verification, including all details requested above, you must immediately delete these accounts from my credit file per 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

Failure to comply with this request will result in legal action against you for violations of the FCRA, including, but not limited to, reporting inaccurate information, failing to conduct a reasonable reinvestigation, and failing to provide the method of verification. I expect a written response within the required 30-day period as outlined in 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

This letter serves as formal notice that I am documenting all violations and will pursue all available legal remedies if my rights are not upheld. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Demand for Debt Validation and Method of Verification To Whom It May Concern, I am writing to formally request validation of the debts listed below that are currently being reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) ( 1 ), I am disputing the accuracy and completeness of these accounts and demanding a full and detailed method of verification.

Per 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), you are required to provide me with the name, address, and telephone number of the entity that provided the information, along with documentation proving that these debts are valid. Furthermore, as part of your investigation under 15 U.S.C. 1681i ( a ) ( 7 ), I demand that you provide the following details regarding each disputed account : 1. The name of the individual ( s ) you spoke with during your investigation 2. The date ( s ) and time ( s ) of the conversations 3. The method used to verify the accuracy of the information 4. Copies of all documentation, agreements, and records used to verify the debts The accounts in question are as follows : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Numbers : XXXX ( 4 different accounts ) XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Numbers : XXXX, XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX If you can not provide a full and complete method of verification, including all details requested above, you must immediately delete these accounts from my credit file per 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

Failure to comply with this request will result in legal action against you for violations of the FCRA, including, but not limited to, reporting inaccurate information, failing to conduct a reasonable reinvestigation, and failing to provide the method of verification. I expect a written response within the required 30-day period as outlined in 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

This letter serves as formal notice that I am documenting all violations and will pursue all available legal remedies if my rights are not upheld. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 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: VA

Complaint narrative:
I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible

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 2025-03-02 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:
Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against [ Credit Bureau Name ] regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On [ Date of Credit Report ], I discovered discrepancies in the following account ( s ) : Account Name : XXXX XXXX Account Number : XXXX Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, [ Credit Bureau Name ] has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness.

In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: NJ

Complaint narrative:
XXXX XXXX XXXX settled the account on XX/XX/, 2024, The credit report information incorrect and needs to be deleted.

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 2025-03-02 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: OH

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$2600.00}

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 explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Malik J Hall Inc
State: MA

Complaint narrative:
XX/XX/XXXX - payment of {$200.00} to company XX/XX/XXXX - payment of {$250.00} made to company Throughout this period I made a client portal and paid monthly for credit monitoring. 

XX/XX/XXXX, I contacted a collection agency and my health insurance to settle a debt and get it removed off my report. 

I often sent messages through the client portal as directed by the company but I received no response. 

XXXX XXXX I sent messages telling the business Im not receiving any response. 

XX/XX/XXXX, attempted to inform business about lack of communication and faulty software portal again. 

XX/XX/XXXX requested a refund for failure to properly fulfill agreement. The company refused and was demeaning. Also lied about deletions stating I didnt delete it myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CA

Complaint narrative:
In XXXX, I graduated from XXXX XXXX University, a predatory for-profit institution. In XX/XX/XXXX, I learned about school misconduct loan discharges and promptly applied. Initially, MOHELA denied my application without providing a reason. As I began preparing my rebuttal, they suddenly reversed their decision, admitting they had denied my application in error. By the end of XX/XX/XXXX, I was informed that my discharge had been approved. 

The first portion of my loans was discharged on XX/XX/XXXX, followed by an additional {$1000.00} on XX/XX/XXXX. However, I have yet to receive any official confirmationno letter, no email, nothing from MOHELA regarding the discharge or the potential refund I am owed. Each time I call for an update, I receive the same response : " It takes up to 30 days. '' Yet, the 30-day timeframe keeps resetting with no further progress. 

When I originally took out the loans in XXXX, my balance was approximately {$53000.00}. Due to XXXX repeatedly steering me into deferments and forbearances, interest accrued over time, and by the time my loans were discharged, my balance had grown to {$62000.00}. Since entering repayment in XXXX, I have paid approximately {$27000.00}, and I firmly believe MOHELA owes me a full refund of those payments. 

Adding to the injustice, XXXX XXXXXXXX University never issued my diploma despite my graduation. The school falsely charged my account after I questioned their ethics, and per the enrollment agreement I was forced to sign, they withheld my degree. I have never used my education, and a year after graduating, I enlisted in the XXXX in XX/XX/XXXX. 

Despite the loans being removed from my credit report, MOHELA has yet to provide any official documentation of the discharge, leaving me in the dark about the next steps. Their lack of communication and transparency is unacceptable, and I am seeking resolution on both the confirmation of my discharge and the refund of the payments I have made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank of America settled the account on XX/XX/year>2024, The credit report information incorrect and needs to be deleted.

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 2025-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

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 response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: AL

Complaint narrative:
Subject : Complaint Against Discover Bank for Inaccurate Reporting and Failure to Provide 1099-C To Whom It May Concern, I am writing to formally submit a complaint against Discover Bank regarding the inaccurate reporting of my account on my credit report. My account number is XXXX have disputed this account multiple times with Discover, XXXX, XXXX, and XXXX due to its designation as a " profit and loss write-off. ", Inaccurate payment history, and Inaccurate account status. Despite my efforts, Discover Bank continues to report this account inaccurately without providing me with a 1099-C form, which is required for such a write-off. This lack of documentation raises concerns about tax implications and compliance with the Fair Credit Reporting Act ( FCRA ). Under the FCRA, I have the right to dispute inaccurate information on my credit report, and I believe that XXXX has failed to fulfill their obligations in investigating and rectifying this matter. The continued reporting of this charge-off is not only misleading but also damaging to my credit profile. I request that XXXX immediately remove this charge-off from my credit report as well as the negative and inaccurate payment history until they can provide the necessary documentation to support their claims. It is crucial that my credit report accurately reflects my financial history, and I believe this accounts current status violates my rights under the FCRA. Thank you for your attention to this matter. I look forward to a prompt resolution. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
KINDLY HELP ME. I'M GETTING STRESSED UP EVERY TIME I SEE THESE FRAUDULENT BANKRUPTCY RECORD. I WANT THESE TO BE PERMANENTLY REMOVED OFF 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 non-monetary relief
Consumer complaint received 2025-03-02 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-02 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 silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-02 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: CO

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, TransUnion, Equifax, and Experian deleted and block information appearing on my consumer credit report that is the result of identity theft and fraud within at least 4 days of you receiving this complaint. The fraudulent, inaccurate, and false information of a personal credit card account, personal loan, and an auto loan opened. Also due to the data breach from Equifax which also caused my information to be exposed. 

XXXX account XXXX XXXX opened on XX/XX/XXXX XXXX XXXX XXXX account # XXXX opened on XX/XX/XXXX XXXX XXXX XXXX Opened on XX/XX/XXXX account # XXXXXXXX XXXX XXXX XXXX  Opened XXXX XX/XX/XXXX account # XXXX XXXX account # XXXX opened on XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX These fraudulent accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 charge offs 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 2025-03-02 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: CO

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, TransUnion, Equifax, and Experian deleted and block information appearing on my consumer credit report that is the result of identity theft and fraud within at least 4 days of you receiving this complaint. The fraudulent, inaccurate, and false information of a personal credit card account, personal loan, and an auto loan opened. Also due to the data breach from Equifax which also caused my information to be exposed. 

XXXX account XXXX XXXX opened on XX/XX/XXXX XXXX XXXX XXXX account # XXXX opened on XX/XX/XXXX XXXX XXXX XXXX Opened on XX/XX/XXXX account # XXXXXXXX XXXX XXXX XXXX  Opened XXXX XX/XX/XXXX account # XXXX XXXX account # XXXX opened on XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX These fraudulent accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 charge offs are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XXXX was apparently hacked and someone tried to empty out of life savings account. First transaction we were able to stop it was both an electronic wire. Unforgivably the XXXX XXXX went through and now chase has denied out claim stating that the op address matches out device. We did not make this transaction. The amount was {$8400.00}. Please help us

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Contacted bureau to ask about bankruptcy inaccuracy reporting on my consumer report. Not sure of where they received their information but it is incorrect on XXXX2025

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 2025-03-02 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: National Credit Adjusters, LLC
State: DE

Complaint narrative:
My credit fraudulently used by someone other than myself without my knowledge which created bad credit reporting third party

Company response to consumer: Closed with explanation