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: Incorrect information on your report — Account status incorrect
Company: FC HoldCo LLC
State: TX

Complaint narrative:
I recently reviewed my credit report and found multiple inaccuracies that do not align with FCRA requirements. This account is reporting conflicting information across credit bureaus, including discrepancies in the open dateone bureau reports XX/XX/XXXX, while another shows XX/XX/XXXX. Additionally, there are inconsistencies in the high credit balance and the date last active ( DLA ), which is critical in determining how long an account remains on a credit report. The DLA is listed as both XXXX and XXXX, raising concerns about potential re-aging of the account. 

The DLA plays a key role in determining the statute of limitations for debt collection and legal action. It appears that your company may have manipulated this date to make an old debt appear new, effectively restarting the reporting timeline and making it more difficult to remove outdated negative information. Credit reporting must be accurate and consistent across all bureaus, and the discrepancies in this account indicate misleading and inaccurate reporting, which is grounds for dispute. 

Furthermore, this account was sold to a third party, XXXX XXXX, yet I did not receive proper correspondence notifying me of this transfer. I am requesting copies of all communications regarding this sale, as well as documentation verifying the amount that was allegedly charged off, so I can confirm whether their reporting aligns with what your claim is. 

Lastly, I am formally requesting the deletion of this account due to inconsistent, inaccurate, and misleading information, as well as the absence of a 1099-C form, which should have been provided for a charged-off debt. I expect this account to be deleted within 30 days, along with full disclosure regarding the sale of this debt.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

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: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: MS

Complaint narrative:
JPMCB AUTO Date opened Balance Status XX/XX/year>XXXX  {$29000.00} Open.

According to 15 USC 1666b late payments must be removed from my credit report

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: 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: WA

Complaint narrative:
I am writing to formally dispute the unauthorized access and deletion of my student loan data, as reported in the XXXX XXXX article titled " XXXX  and FERPA : Did Doge Breach Student Loan Contracts? '' ( published XX/XX/year> ). The article highlights potential violations of the Family Educational Rights and Privacy Act ( FERPA ) by XXXX XXXX and associated entities, including the alleged access and deletion of student loan records without proper authorization. 
As a borrower with an active student loan account, I am deeply concerned about the implications of these actions on my financial and educational records. FERPA explicitly protects the privacy of student education records, and any unauthorized access or alteration of such data constitutes a serious breach of federal law. The reported actions not only undermine my rights as a borrower but also raise significant concerns about the security and integrity of my personal information.

Specifically, I request the following : 1. Investigation : A thorough investigation into the alleged unauthorized access and deletion of my student loan data, including confirmation of whether my records were accessed or altered without my consent.

2. Disclosure : Full disclosure of any parties involved in accessing or altering my student loan records, including any third-party entities such as Doge or affiliated organizations.

3. Rectification : Immediate correction of any inaccuracies or deletions in my student loan records, along with a detailed report of the changes made and the steps taken to restore the integrity of my data.

4. Compliance Assurance : Assurance that all future handling of my student loan data will comply with FERPA regulations and other applicable privacy laws. 
I expect a prompt response to this dispute within 30 days of receipt of this letter. Failure to address these concerns may result in further action, including filing a complaint with the U.S. Department of Education 's Family Policy Compliance Office ( FPCO ) and pursuing legal remedies as necessary.

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: T.S. Holdings
State: NC

Complaint narrative:
I have been sending the company receipts asking to verify and acknowledge debt or remove it and still has not answered back or removed anything

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: N.A.R., Inc.
State: UT

Complaint narrative:
I have a dental bill from XXXX XXXX XXXX in XXXX, UT from XX/XX/XXXX in the amount of {$460.00}. As directed by the dental office, I contacted my insurance company to address this as they thought I had double insurance. I received a claim number from my insurance company which I gave to the XXXX XXXX  to follow up on. 
I received another XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX in the amount of {$450.00} ( the original amount of the bill ). 
I also have a statemnt from XXXX XXXX XXXX from XX/XX/XXXX, that states that I now owe {$710.00} for the dental bill. 
I disputed this collection to XXXX in XXXX because the dental services I received were covered by my insurance company. They allowed the collection to stay as it was. 
On XXXX XXXX, XXXX I learned that in XX/XX/XXXX, XXXX, XXXX, and XXXX announced that they would no longer report medical debts with an initial balance under {$500.00}. 
In XX/XX/XXXX, the XXXX bureaus announced that they would remove XXXX XXXX with initial balances of {$500.00} or less from consumer credit reports. 
I looked on my credit report and there was still a collection from the XXXX  bill, now being managed by a company called North American Recovery ( NAR ) in XXXX XXXX XXXX, UT. 
On XXXX XXXX, XXXX, I called XXXX and spoke with both XXXX and XXXX. I informed them that they were not in compliance with the CFPB as the XXXX  bill they were attempting to collect on had an initial amount under {$500.00} and that this should not even be on my credit report. 
They both said they were in compliance with the regulatory bodies that governed their actions, but that they would have the XXXX call me, though he hasn't called as of yet. 
On XX/XX/XXXX, I filed another dispute with XXXX and again, the results were that the debt would remain on my credit report. 
XXXX has specifically reported to the CRAs that " the original amount of this account was {$700.00} '' when it was actually {$450.00}. I explained this in the dispute with XXXX and provided statements to prove this but they are not understanding that this is a medical bill with an original balance was less than {$500.00} and this debt should never have been reported to the CRAs in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
I am writing to formally dispute the outstanding debts listed under my name, which are the result of identity theft. My Social Security Number was fraudulently used to open multiple accounts without my authorization. Upon discovering this, I immediately took action by locking my credit with the three major credit bureaus and disputing all fraudulent accounts and charges.

Despite my previous actions, I have recently received notices stating that I am still responsible for these fraudulent debts. I want to reiterate that I did not open these accounts, nor did I authorize any transactions associated with them. I have already taken the following steps to address this matter : Locked my credit with XXXX, XXXX, and XXXX. 
Filed disputes with the credit bureaus and had unauthorized accounts removed. 
Reported the identity theft to the authorities and relevant institutions. 
Given that these debts were incurred fraudulently, I request that you immediately correct my records, remove these charges from my name, and provide confirmation that I am not liable for them. If any further documentation is required, please let me know. I am willing to provide any necessary information to resolve this matter as soon as possible. 

I request a prompt response and resolution to this issue. You can reach me at [ Your Phone Number ] or [ Your Email Address ].

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: AL

Complaint narrative:
I was checking my credit reports and realized that it had fraudulent accounts that I knew nothing about.

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: Source Receivables Management LLC
State: MA

Complaint narrative:
account, XXXX XXXX XXXX XXXX This account ending in XXXX. Does not belong to me I never opened this account. The last XXXX of my social is XXXX. Which is not the last XXXX on this account. 

The account was transferred to collections agency source receivable management!

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
XXXX XXXX Date opened Balance Status XX/XX/year> {$29000.00} Open. 

According to 15 USC 1666b late payments must be removed from 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 explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
XXXX XXXX  Date opened Balance Status XX/XX/year>XXXX  {$29000.00} Open. 

According to 15 USC 1666b late payments must be removed from my credit report

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
XXXX XXXX Date opened Balance Status XX/XX/year> {$29000.00} Open. 

According to 15 USC 1666b late payments must be removed from 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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
XXXX XXXX XXXX Date opened XX/XX/year> Balance {$890.00} Status Open I HAVE NOT BEEN SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE. XXXXXXXX XXXX XXXX ( MO ) XXXX XXXX, XXXX. I PRESUME THAT PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS According to 15 USC 1666b, you have violated my rights by unlawful communications. Please remove this from my credit report. Thank you.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
XXXX XXXX XXXX Date opened XX/XX/year> Balance {$890.00} Status Open I HAVE NOT BEEN SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE. XXXXXXXX XXXX XXXX ( MO ) XXXX XXXX, XXXX. I PRESUME THAT PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS According to 15 USC 1666b, you have violated my rights by unlawful communications. Please remove this from my credit report. Thank you.

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: 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 writing to formally dispute multiple unauthorized accounts and inquiries that appear on my credit report. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete. Using an EOSCAR SYSYEM IS FAULTY AND SHOULD NOT BE CONSIDERED A THOROUGH INVESTIGATION AND I AM AWARE THIS IS WHATS HAPPENING! Credit bureaus are obviously failing to investigate when Im providing documentation of my true identity and false names are still being reported which is NOT my name. The addresses and names for each credit bureau should match. I have identified the following accounts and inquiries on my credit report that I did not authorize or provide written consent for and have not been properly investigated : 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  Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: MARINER FINANCE, LLC
State: OH

Complaint narrative:
This account was reported as a collection/charge-off. The reporting of this accout is incorrect as there is showing a balance of {$2600.00} on a charged-off account as of XXXX XXXX. Under the FDCPA 15 USC 1692 act, there are numerous violations to your account and account reporting. Per the documentation submitted with this complaint, you will see the dates of the original creditors charge-off account with original alleged debt amount as well as the new increasing monthly debt? Also, the fact you are showing representatives as a law firm and not a debt collector is very misleading! Also, it is a violation of the FDCPA, I do believe. I would like to also know the exact nature of the increasing fees on the debt since the new reported debt by your company is showing from {$2900.00} to as high as {$3200.00} in the letter your company just sent? These discrepancies are gounds for dismissal alone. Furthermore, my income is protected as that it's all XXXX income that is uncollectable for debt. This is easily verified. I have never received a 1099c from XXXX of XXXX for the debt charge-off, which makes this income, which, at this time years later is also a violation. I urge your agency to re-investigate this account and ensure that correct, fair, and complete reporting is given. I do believe that the status of this accout is incorrect and that i have proofed that with the included documentation. I am giving you the opportunity to delete this account from your collections as well as from all three credit reporting agencies before I request litigation to show all the inaccuracies and misleading representations as well as the fess that are accumulating on the account with the numerous total amount due balances on a charged-off account. I trust that you will take this matter seriously and handle it in a timely and professional matter. I look forward to receiving a satisfactory resolution to all these matters.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am so displeased with the way my information was used. I was trying to buy a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental to my emotional and psychological health to the point I had to have my pastor pray for me several times. I don't have access to buy a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s-2, not one credit reporting agency shouldn't be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to buy my family a house.

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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am so displeased with the way my information was used. I was trying to buy a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental to my emotional and psychological health to the point I had to have my pastor pray for me several times. I don't have access to buy a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s-2, not one credit reporting agency shouldn't be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to buy my family a house.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
XXXX XXXX Date opened XX/XX/year> Balance {$15000.00} Status Open. 

According to 15 USC 1666b this must be removed from 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