vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-13 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Last year, I disputed this fraudulent account ( XXXX XXXX ) with Equifax, and after reviewing my evidence, they rightfully removed it from my credit report. I thought this issue was finally resolvedonly to find out now that Equifax has recklessly reinserted the same account back onto my report without any proper notification. This is beyond frustrating ; its a clear violation of my rights and has severely damaged my credit score again for no legitimate reason. Under 15 USC 1681i ( a ) ( 5 ) ( B ), Equifax is legally required to notify me in writing within five business days if they decide to reinsert an account they previously deleted. They failed to do that. Further, Equifax has a direct obligation under 15 U.S.C. 1681e ( b ) to " follow reasonable procedures to assure maximum possible accuracy '' of the information in my credit report. By reinserting this previously disputed and deleted fraudulent account, they have demonstrably failed to meet this standard. This means Equifax has blatantly ignored its legal obligations, and in doing so, they are directly harming me by reporting inaccurate, damaging information that should have never returned in the first place. This kind of careless and reckless reporting is exactly why consumer protections exist, and yet Equifax continues to act as if they are above the law. My credit score has taken another unjustified hit, and now I have to go through the same exhausting process again to remove an account that was already proven to be fraudulent. I should not have to continuously fight for Equifax to do their job correctly. I am demanding immediate deletion of this account once and for allno more mistakes, no more reinsertion, no more excuses. If Equifax continues to disregard the law and my rights, I will be forced to escalate this further through legal action, regulatory complaints, and any necessary steps to hold them fully accountable for this outrageous violation. This needs to be fixed now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: TX

Complaint narrative:
I am writing to dispute certain accounts and inquiries appearing on my consumer credit report, as referenced below. These entries are the result of a data breach or fraud, and I am requesting verifiable proof, including my signature or electronic signature, to substantiate their legitimacy. 

This letter is submitted personally and not through a third party, so I urge you to review it carefully. I never authorized these actions, which constitutes a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ) Section 605B [ 15 U.S.C. 1681c-2 ], regarding the blocking of information resulting from fraud or a data breach, and Section 604 [ 15 U.S.C. 1681b ], concerning the permissible purposes of consumer reports. 

I have already contacted the companies involved and found that these actions were taken without proper validation or original proof. Since I did not authorize these accounts or inquiries, they are inaccurate and must be removed as they stem from a data breach or the unauthorized reporting of my consumer information by creditors or third-party data furnishers.

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 2025-02-14 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:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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 2025-02-13 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: NV

Complaint narrative:
I am writing to formally dispute an item on my credit report and request that you investigate and correct the information in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i, which requires a credit reporting agency to investigate any disputed information on a consumers credit file. 
I have recently reviewed my credit report and identified [ describe the specific item ( s ) you are disputing, such as an account, balance, or error ]. This information appears to be inaccurate, incomplete, or unverifiable. Under 15 USC 1681i, I am entitled to request a thorough investigation of this disputed information. 
I need physical documentation evidence that a thorough investigation was conducted on my behalf. In addition, Equifaxs actions may also violate the Consumer Financial Protection Act ( CFPB ). 
As required by law, I request that you complete your investigation within the 30-day time frame as outlined by the FCRA and provide me with the results of your findings, including a copy of my updated credit report once the dispute has been resolved. 
Furthermore, as per 12 USC 5536 ( a1A-B ), I expect that you fully comply with the regulations surrounding consumer rights and avoid practices that may mislead or misinform me as a consumer. I trust that you will adhere to all statutory guidelines, ensuring that the accuracy of my credit file is restored and that all consumer protection rights are observed. 
Please find attached any relevant documentation supporting my dispute. If you require additional information or documents, kindly inform me promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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.

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living 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 2025-02-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
1 ) No knowledge of debt 2 ) Debt is time-barred and met statute of limitations in XXXX 3 ) Total amount is different than notice the company shared with me 4 ) First notified of debt today, but was never given due process, or served. 
5 ) Never received notice of debt 6 ) judgement was filed XX/XX/XXXX I believe that Portfolio Recovery Associates is attempting to collect on a debt outside of the allowable laws and guidelines, and I was never given due process, which feels unfair and deceptive. They then tried to corner me into an arrangement without validating any debt. 

Portfolio Recovery Associates violated the XXXX Order, the CFPA, the FDCPA, and the Fair Credit Reporting Act ( FCRA ) I believe they are doing the following : 1 ) Collecting on an unsubstantiated and invalid debt 2 ) Misrepresenting the balance 3 ) collecting outside the statute of limitation for a time-barred debt 4 ) failing to provide evidence of the debt 5 ) Suing to collect in a time-barred debt 6 ) Initiating a collection without the necessary processes or documentation I believe this is all violation of my Consumer Rights and am seeking resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: Nelnet, Inc.
State: CO

Complaint narrative:
I am submitting this formal complaint against Nelnet regarding its mismanagement of my student loans, improper loan grouping, failure to provide accurate and transparent information regarding my deferment request, and the subsequent inaccurate credit reporting that has significantly harmed my financial standing. 

XXXX XXXX In XX/XX/XXXX, I was approved for a deferment request, yet Nelnet placed my loans into repayment at the same time. Instead of applying the deferment to my entire loan portfolio, as would be expected, only XXXX of my loans was deferred, while the remaining seven loans were placed into repayment. I have not taken out any new loans since XX/XX/XXXX, so there is no reason my loans should have been split or grouped in a way that excluded the majority of them from the deferment. 

At no point was I informed or notified that my deferment request would be selectively applied to only XXXX of my loans. I acted in good faith in securing deferment and should not have been placed into repayment on the remaining loans due to XXXX improper handling of my request. 

Due to this error, Nelnet incorrectly reported XXXX missed payments ( XXXX for each loan ) to the credit bureaus, significantly lowering my XXXX XXXX. This reporting is inaccurate and unjustified, as I should have been in deferment status across all loans. These missed payments now appear as delinquencies on my credit history, which could impact my ability to secure housing, loans, and other financial opportunities. 

Additionally, Nelnet failed to provide clear communication and timely notice regarding my repayment obligations. The customer service representatives have provided conflicting explanations, and I have not been given a satisfactory resolution regarding why my loans were grouped improperly, why my deferment was not uniformly applied, or how Nelnet intends to correct this error. 

Given the severity of these errors and their impact on my financial health, I request an immediate review and correction of this issue to prevent further harm. Please confirm receipt of this complaint and provide an estimated timeline for resolution. I am available to provide any additional documentation or information as needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: TX

Complaint narrative:
{$XXXX} XXXX XXXX XXXX XXXX account open collections {$XXXX} XXXX XXXX account XXXX and collections {$XXXXXXXX XXXX XXXX account open and collections {$XXXX} XXXX  XXXX  XXXX in collections account open {$XXXX} XXXX  XXXX  XXXX  in collections account open I need these items removed from off of my credit reporting under Section 605b

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 2025-02-13 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:
{$XXXX} XXXX XXXX XXXX XXXX account open collections {$XXXX} XXXX XXXX account XXXX and collections {$XXXXXXXX XXXX XXXX account open and collections {$XXXX} XXXX  XXXX  XXXX in collections account open {$XXXX} XXXX  XXXX  XXXX  in collections account open I need these items removed from off of my credit reporting under Section 605b

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: FL

Complaint narrative:
" I was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

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 2025-02-14 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Comenity Bank XXXXXXXX XXXX XXXXXXXX **Subject : Cease and Desist Notice Regarding Unauthorized Information Sharing and Credit Reporting** To Whom It May Concern, This letter serves as a formal **Cease and Desist Notice** regarding your companys unauthorized sharing of my personal and financial information, as well as its continued reporting of inaccurate or unauthorized data to credit reporting agencies. Such actions constitute a violation of my rights under the **Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) ** and other applicable laws.

Pursuant to the FCRA, I am asserting my right to dispute and demand the immediate cessation of any further dissemination of my personal or financial information. Furthermore, under **15 U.S.C. 1681b**, my consumer report may only be provided under specific legal conditions, and any improper sharing of my data violates these provisions.

Additionally, under **15 U.S.C. 1681n and 1681o**, I am entitled to seek damages for willful or negligent noncompliance with the FCRA , including statutory damages, actual damages, punitive damages, and attorney fees. If your company does not take immediate corrective action, I will pursue all available legal remedies, including filing a lawsuit for damages resulting from your unlawful actions. 

**Account Number ( s ) : XXXX, XXXX, XXXX, XXXX ** Accordingly, I demand that you : 1. **Cease and desist** from further sharing my personal and financial information without my express authorization.

2. **Delete and remove any unauthorized or inaccurate information** related to my account from my credit report.

3. **Provide written confirmation** within 30 days that all necessary corrective actions have been taken to comply with this request. 

Failure to comply with this demand will result in legal action without further notice. I trust you will take this matter seriously and act in accordance with your legal obligations. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: RI

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-02-14 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: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have a customer the singed up for my content over 8 months ago via a monthly membership. The customer reached out to me In XX/XX/year> and inquired about switching over to an annual subscription. The customer then switched over from a monthly subscription to an annual subscription and reported the switch as 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