vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-24 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: CA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Zions Debt Holdings
State: MS

Complaint narrative:
Zion Debt Holdings was listed on my credit report as a collection amount due of {$1300.00}. I spoke with XXXX XXXX at XXXX and he stated my name was listed on a contract with XXXX XXXX system for XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX  XXXX and XXXX XXXX ( XXXX ) was listed on this contract which was delinquent in payments in XXXX. I have reported them to XXXX XXXX XXXX XXXX XXXX because I have never received any information regarding this situation, he stated they had been sending letters to the XXXX, XXXX address. Also I spoke with XXXX to file a dispute because I wanted this taken off my credit report. I do not know this person, have not signed any such contract, was unaware this collection issue which was on my credit report and I am making a claim of fraud along with stolen identity. 

Your assistance in this matter is greatly appreciated.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: AZ

Complaint narrative:
The XXXX account that I am disputing has been on the credit report for XXXX years. I highly suspect that Equifax has illegally RE-AGED the account from 65 months to 99 months. Equifax is already ordered to pay a {$15.00} XXXX civil money penalty to the CFPBs victims relief fund as a result of failure to conduct proper investigations of consumer disputes as well as ignoring consumer documents and evidence submitted with disputes. These failures directly align with my personal experience and I feel like I am being victimized concerning this specific XXXX account. I have disputed this account MULTIPLE TIMES. All necessary documentation was submitted with the dispute EACH TIME yet it wrongfully remains on my credit report. In addition to the belief that the account is re-aged, it was a joint account that was deleted from the other person 's credit report YEARS AGO in 2022!! { See attached PROOF of account deletion from the other individual 's credit report }. WHY would Equifax be allowed to continue reporting the account on my credit report?!?! The account should have ALSO been deleted from MY credit report in 2022 ; however, Equifax blatantly REFUSED to delete it! Also, HOW can the 99 months in review be LONGER than the term duration of 65 months? This practice is unethical, illegal and possibly even criminal to wrongfully affect a consumer 's credit report and score in this manner. The XXXX account being reported by Equifax is not in compliance with the FCRA laws and must therefore immediately be permanently deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
I received a notification from Navient in XX/XX/year> and XX/XX/year>. I opened the portal and called the company to see what was the notification, called and was told there was nothing that they were trying to notify me about. 

I was aware that I would need to pay back student loans so signed up to join the XXXX reserves and took my XXXX XXXX XXXX XX/XX/XXXX and received a XXXX percentile score. 

On XX/XX/XXXX, I received a notification that my Navient account was charged off for {$49000.00} and was not given any warning or ability to resolve. 

Now I have $ XXXX in bad debt sitting on my XXXX XXXX which will prevent me from getting loans to do any sort of job training ( I was aiming for AI ) and will likely prevent me from being able to join the reserves, and also use the GI bill to pay off the loan. It's already made it so I can not purchase a car. 

I was contacted in the last week with 1 day notice to create an agreement to pay a lesser amount, even after it's already on my credit report as a bad debt though I was never emailed directly in this way to be told that they were going to take action or escalate. 

This seems like an attempt to keep me in poverty and/or defame me and make it impossible for me to be a functional adult with a career.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: TX

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EXXXX XXXXXXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXX Experian Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as Pintos v. Pacific Creditors Association ( 2010 ) and Dennis v. BEH-1, LLC ( 2002 ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

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 2025-02-24 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: WV

Complaint narrative:
I paid {$1100.00} to my XXXX credit card ( {$2000.00} limit ) which is owned by citibank on the XXXX and i am being told the money will not reflect in my account till the XXXXXXXX XXXX XXXXXXXX. I have had this card for years so I do not see why citibank will decide to just hold my money for no reason. My XXXX gas card has available balance of - {$23.00} at the moment even though I just paid XXXX using accounts I have used to make payments before so I don't get what you're verifying if all the accounts bear my name.

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 2025-02-24 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: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-02-24 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> TransUnion Re : Dispute of Inaccurate Collection Account on Credit Report Dear Sir/Madam , I am writing to dispute an account reported on my credit report, which I believe is inaccurate. The account listed under XXXX XXXX XXXX XXXX does not belong to me. According to the Fair Debt Collection Practices Act ( FDCPA ), I am not the individual responsible for this debt, and I request that you investigate and correct this error. 
Under 15 U.S.C. 1692e, it is prohibited to falsely represent the identity of the debtor. This collection account is the result of an inaccurate identification, and I request that this account be removed immediately from my credit report.

Additionally, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates that inaccurate information be corrected or removed. I request that you conduct a thorough investigation and confirm the information 's accuracy within the 30-day statutory period.

Please provide me with written confirmation of the investigation results and actions taken. 
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 explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Blockchain.com, Inc.
State: FL

Complaint narrative:
I'm having verification issue with my blockchain wallet account. 
I transfer Bitcoin from XXXX in XXXX of 2023 to BlackchainXXXXXXXX in order for me to trade, the account has to be verify, I had sent several emails asking for verification, but I still have not receive any clear instruction on what is the documentation needed, however I reach out to support and sent many times emails attaching mi ID and copy of my husband Id since the account is a join account, and as prove of my identity, I have been waiting over 4 month and they don't respond to me, my Bitcoin is trap in this account. 
Blockchain.com do not responded to their customer service number or email creating a ticket # XXXX that just says Open and doesn't have any clear instructions on how to verify my identity. 
this Company is

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 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 US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries 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 non-monetary relief
Consumer complaint received 2025-02-24 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: TX

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : 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 XXXX XXXX XX/XX/XXXX TransUnion 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 Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes. 
Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

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 2025-02-24 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: TX

Complaint narrative:
My accounts 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 to be removed/updated. 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. 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!

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 2025-02-24 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: LEXISNEXIS
State: MI

Complaint narrative:
Subject : Dispute of XXXX XXXX and XXXX for XXXX XXXX XXXX and Permanent Opt-Out Dear Representatives, I am writing to address XXXX separate but related matters concerning my consumer file : A formal dispute of inaccurate information on my LexisNexis XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX  and XXXX XXXX XXXX reports. 
A request for a permanent security freeze and permanent opt-out on my consumer file. 
Part XXXX : Dispute of Inaccurate Information I have reviewed my consumer reports from LexisNexis XXXX XXXX, XXXX, XXXX, XXXX XXXX, and XXXX, and I have identified several discrepancies that I believe are inaccurate and require immediate rectification under the Fair Credit Reporting Act ( FCRA ). The issues include, but are not limited to, the following : Inaccuracies : Specific inaccuracies in my reports are detailed in the attached documentation. These errors adversely affect the accuracy and integrity of my consumer data. 

Failure to XXXX XXXX : In accordance with 12 CFR 1006.34 ( c ), there has been a failure to provide proper validation for the debts in question. No clear and accurate description of these debts or evidence of any contractual obligation has been provided. 

I request that you immediately investigate these discrepancies, correct the inaccurate information, and update my consumer file accordingly. 

Part 2 : Request for Permanent Security Freeze and Permanent Opt-Out Due to ongoing concerns regarding identity theft and unauthorized access to my personal information, I am also requesting that a permanent security freeze be placed on my consumer file. Additionally, I request a permanent opt-out to prevent the sharing of my personal data with unauthorized third parties. 

The reasons for this request are as follows : Identity Theft Concerns : My personal information has been compromised, leading to fraudulent activity. A permanent security freeze will help protect my identity and prevent further unauthorized inquiries and account openings. 

Consumer Privacy : A permanent opt-out is necessary to ensure that my personal data is not disseminated to or accessed by entities without my explicit consent, thereby preserving the privacy and integrity of my information. 

I respectfully ask that you implement these measures immediately and confirm in writing once they have been put in place.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: DC

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT 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