vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
On or around XX/XX/XXXX I requested my credit report from experian by mail. The appeared to be more than sound reason of having been a victim of identy fraud. My current address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was the address I requested my report to mailed to. It has been my current address since XX/XX/XXXX. Im making this complaint for the sole purpose of me not being able to recieve my free annual credit report and be able to inspect and view my 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 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint against XXXX, TransUnion for their failure to conduct a reasonable investigation of multiple disputes regarding an inaccurate account reported by XXXX ( Account XXXX : XXXX ). XXXX sold this account to XXXX XXXX XXXX XXXX on XX/XX/year>, as evidenced by their own communication, yet XXXX, TransUnion has repeatedly verified this inaccurate information. 

Under the Fair Credit Reporting Act ( FCRA ) 1681i ( a ), CRAs are required to conduct a reasonable investigation into disputes. By verifying this false information multiple times despite clear evidence, XXXX, TransUnion has violated FCRA 1681i ( a ) and 1681b. This has caused financial harm, including denial of credit opportunities and reputational damage. 

I am seeking monetary compensation for these violations and a complete correction of 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 2025-01-13 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: FL

Complaint narrative:
While studying abroad my identity was compromised and used to open multiple lines of credit at multiple car dealerships and banks throughout the south and central Florida region. I have since contacted the credit furnishers and opened investigations with XXXX police departments regarding the identity theft. Aside of the accounts being fraudulently on my report I have also noticed some of the debts not only violate the FCRA but also the laws and guidelines of the IRS. Some of the debts are profit loss charge offs that I've never received a 1099c for and remain on my credit file at full balance after being compensated for losses by the irs

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ResidentCollect, Inc.
State: TX

Complaint narrative:
XXXX Apartments reported a collection on my credit report that does not belong to me. I had a lease agreement with them, which later expired and was renewed by someone else who is responsible for this debt. I have documents proving that I am not listed on the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I recently looked at my credit report and noticed an account that says in collection from XXXX its hurting my ability to obtain credit. Account number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: FL

Complaint narrative:
MOHELA bought debt from XXXX, I currently am a victim of XXXX. This is a Dispute Regarding Loan Servicing and Misrepresentation Practices I am writing to formally dispute and bring to your attention several issues related to the servicing and management of my student loans, which align with documented violations cited by the Consumer Financial Protection Bureau ( CFPB ) and the Fair Credit Reporting Act ( FCRA ). I demand immediate corrective action regarding these matters, as they have caused unnecessary financial harm, emotional distress, and misrepresentation of my creditworthiness. The CFPB has documented several allegations against loan servicing entities, including : 1. Misleading borrowers about the consequences of submitting incomplete applications to recertify income and family size under income-driven repayment plans. 2. Engaging in deceptive acts and practices by providing inaccurate information about the requirements to release cosigners from loans. 3.Making numerous payment processing errors, including misallocating and misapplying borrower payments, resulting in financial mismanagement and penalties for borrowers. 4. Failing to implement reasonable policies and procedures to furnish accurate information to credit reporting agencies, particularly regarding borrowers who qualify XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 5. Misleading borrowers about the effects of loan rehabilitation on credit reports and associated collection fees, violating the Fair Debt Collection Practices Act. The above actions are not only deceptive but also constitute violations of the Consumer Financial Protection Act ( CFPA ) and the FCRAs Regulation V. These practices have directly or indirectly affected my ability to manage my loans effectively, undermined my rights as a borrower, and resulted in unjust penalties or credit reporting inaccuracies. I request that you : Immediately correct any misapplied payments or reporting errors in my loan account. Provide a detailed explanation of your policies regarding cosigner release, loan rehabilitation, and credit reporting procedures. Remove any erroneous negative information from my credit reports resulting from these violations. Cease and desist any deceptive practices that mislead borrowers or jeopardize their financial health. Failure to address and rectify these matters will leave me with no alternative but to escalate my dispute to relevant federal regulatory bodies, including the CFPB, and to seek legal counsel. Provide a written response within 30 days, outlining the corrective actions taken. Thank you for your immediate attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TN

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. This is XXXX XXXX not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-01-12 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: OH

Complaint narrative:
I am writing to formally dispute inaccuracies regarding my credit report for an account with XXXX XXXX which was closed on XX/XX/XXXX. Below are the details of the account in question : Account Type : Credit Card Opened Date : XX/XX/XXXX Reported Balance : {$870.00} Credit Limit : {$550.00} Account Status : Closed Last Reported : XX/XX/XXXX Upon reviewing my credit report, I have identified several inaccuracies : Misleading Utilization Percentage : The report indicates I am using XXXX XXXX of my account 's limit, which is not possible for a closed account. This misrepresentation can adversely affect my creditworthiness. 
Outstanding Balance on Closed Account : The account is marked as closed, and therefore, should not carry any outstanding balance. A closed account should reflect a zero balance if it has been paid off or settled.

Charge-Off Status : The remarks state " Charged off as bad debt '' and " Profit and loss write-off '' while the payment history shows no late payments ( 0/0/0 ). This does not accurately reflect my payment behavior. 

I kindly request that you conduct a thorough investigation into these discrepancies as per the Fair Credit Reporting Act ( FCRA ). If the inaccuracies can not be verified, I expect them to be corrected or 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 2025-01-13 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: FL

Complaint narrative:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 
Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 
Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TN

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 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