23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Equifax hasn't updated information on my file since XXXX XX/XX/2024. I've had multiple changes to my credit including adding two credit cards. When i applied for a credit limit increase with XXXX XXXX I've been denied. XXXX XXXX XXXX  reason for the denial was unable to get information from Equifax. 
XXXX XX/XX/2024 I called Equifax, and said that they needed my identification and social security card. 
I have sent them a copy of my driver 's license showing my current address and a copy of my social security card. I've talked to a Equifax supervisor and they verified that they had what they needed and would correct my report XXXX is XX/XX/2024 and no corrections have been made
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello this is a formal complaint to request all credit reporting agencies including XXXX, Transunion, and XXXX to stop reporting invalid information in my name. Listed account information XXXX XXXX XXXX # XXXX, XXXX # XXXX, CHAPTER XXXX BANKRUPTCY # XXXX, that are in no way mine. There is a public record for Chapter XXXX Bankruptcy on my report and I DO NOT file for bankruptcy. That is false and misleading and has stopped me from getting a approved for a home and much more. The credit reporting agencies have taken fraud to a whole new level all while violated the federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a result of the XXXX breach, I have been trying to understand my risk and mitigate them. I 've spoken with all three credit bureaus, and feel less secure than when I started. All three are like mafia businesses : These credit agencies collect our private info without our permission. Then they want to charge us to protect us? And according to the XXXX  agent ( phone call today, XX/XX/17 ), if I sign up for XXXX XXXX, I waive my legal protections in case I end up a victim as a result of their incompetence? 

So, I 'm terrified and would like some protection from these risks. I do n't trust this industry to police itself, please help. 

I also have XXXX XXXX boys ( XXXX, XXXX ). Each company says different things, influenced by state law ( I 'm in Calif. ) and their internal policies : XXXX says I have to get a court order to put a credit freeze on my XXXX XXXX XXXX. But I can send in an application to note of their files that they are minors. Not sure that would do anything, and do n't they already know that they are minors? 

Experian says that my boys have to call them for service, that I ca n't act on their behalf since they are no longer minors. This is their internal policy. I thought I was legally responsible for my children! XXXX? 

XXXX says 'do n't worry, since they have n't started financial activities, they will have no credit on a credit report. I do n't need to do anything. Right. 

Dealing with these call centers has been awful. The agents range from haughty and impatient to ignorant. None of them clearly explained my risks and what their services can do to protect me. 

Why is XXXX even in business? They had one job to do! This information is too sensitive to be left to fly by nigh businesses with little accountability to their customers.
Product: Mortgage

SETERUS INC is reporting a delinquent account. XXXX XXXX on my credit profile that has exceeded the statute of limitations. The account was to be remove XXXX
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am filing a formal complaint against Experian and XXXX for its failure to accurately report information on my credit file, specifically regarding my closed XXXX XXXX account. Despite the account being closed and resolved, Experian continues to report it negatively and repeatedly re-ages the account, which is a violation of the Fair Credit Reporting Act ( FCRA ). 

This inaccurate reporting has unfairly harmed my credit score and financial standing. Experian and XXXX failure to maintain accurate and up-to-date information is both misleading and noncompliant with federal law. I have previously disputed this matter with Experian and XXXX, yet they have failed to remove the account. 

I am requesting that the CFPB investigate this matter and require Experian and XXXX to completely remove the XXXX XXXX account from my credit report to ensure compliance with the FCRA and restore the accuracy of my credit file. 

To support my complaint, I have included the following documents : 1. A copy of my most recent credit report showing the inaccurate and re-aged reporting of the XXXX XXXX account. 
2. Documentation verifying that the account has been closed and resolved. 

I appreciate your assistance in holding Experian and XXXX accountable for its obligations under the law. Please let me know if any further information or documentation is needed to move forward with this complaint. I look forward to a swift resolution. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is hereby referred to as The Company. XXXX XXXX is hereby referred to as The Consumer. 

In The Companys response on XX/XX/23 via the CFPB Complaint number XXXX, The Company acknowledged receipt of the The Consumers NOTICE TO DISPUTE the following accounts : XXXX : # XXXX Unify : # XXXXXXXX XXXX XXXXXXXX : # XXXXXXXX XXXX XXXXXXXX : # XXXX Bankruptcy XXXX The Company disputed and deleted the XXXX account. But until today XX/XX/23, The Company has either refused or ignored my request to dispute and verify the accuracy of the other above mentioned accounts as previously requested on XX/XX/23. Either way, the FCRA allows up to 30 days for investigation and it has been more the 30 days as of today. Therefore The Companys investigation is complete and the accounts should be deleted immediately.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with th necessary proof of investigation.
Product: Credit card or prepaid card

I applied for a XXXX XXXX Card through Barclay 's because of the promotion stated below. 
" The XXXX XXXX Card will allow you to earn XXXX bonus points after spending {$1000.00} on purchases ( that are not later returned or rescinded ) with your XXXX XXXX Card within 90 days of opening your credit card account and paying the annual fee. This one-time offer is valid for first-time cardmembers with new accounts only. Your bonus points will be deposited into your XXXX account 4-6 weeks after your qualifying transactions have posted. '' I met the above stated requirements ( statement attached ) and the bonus points have not been transferred to my XXXX account with XXXX. I called Barclay 's twice, because a statement for the month of XXXX, 2019 has not been generated although a payment of {$1100.00} was made on XX/XX/2019. The first time I called XX/XX/2019 I was told that if there is no activity no statement is created. I called again on XX/XX/2019 and was given the same reason but when I mentioned that a payment was made I was then told that they were having problems.
Product: Credit reporting or other personal consumer reports

i have tried to dispute incorrect information as payment history that i have never been late on the months shown and i have made on time payment as agreed on all my credit card accounts. AND ASLO PLEASE DELETE XXXX  ACCOUNT FROM XXXX REPORT
Product: Debt collection

I have been going back and forth with this collection agency and XXXX credit bureau about a collection that is not mine. Grant Mercantile Agency has a collection for {$55.00} and they refuse to remove it. Every month they have been adding on {$1.00} to the balance.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately.

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX must be removed IMMEDIATELY IT IS PAST THE STATUE! 
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
Product: Mortgage

I paid off a mortgage  held by Wells Fargo using the payoff  amount provided by Wells Fargo. Post mortgage closure they have posted multiple " adjustments '' to the account without explanation or substantiation and have provided conflicting documentation in writing and via their website. 

According to Wells Fargo 's own ledger they owe me a refund of {$10.00}, however the negative balance is netting to {$0.00} with no explanation. By law they have 20 days upon the payoff of the mortgage to settle the account to 0, which they have failed to do. Despite multiple attempts to get Wells Fargo to rectify their errors and explain their action they have been unable to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled a debt with Ally Financial. 
I disputed the remarks on my credit report. 
They added " customer disagrees '' but did not change the remarks. 
Ally also added the remaining balance of {$4500.00} that should have been settled in our agreement. 
I then opened another dispute. 
After weeks they re opened the account which plummeted my credit. 
I called Ally and they won't talk to me. 
They wanted to talk to me legal representation. 
I called the company I used to help settle this account. 
I have not heard back. 
This was the settlement schedule that I upheld. 

Ally Financial - XXXX Current Balance Owed to Creditor - {$9100.00} Proposed Settlement Offer - {$4500.00} Number of payments - XXXX Monthly Payment XXXX XXXX x {$210.00} XXXX XXXX x {$720.00} XXXX XXXX x {$720.00} XXXX XXXX x {$720.00} XXXX XXXX x {$720.00} XXXX XXXX x {$720.00} XXXX XXXX x {$720.00} Now the account is open and says it's in collections.
Product: Debt collection

Upon reviewing personal credit report, found entries from XXXX XXXX. I had received no information from this company referencing the debt, or letting me know that I owed a debt. Mailed a letter to company at the address listed on the credit report entry, and company has failed to respond or give any information as to the validity of the debt claimed.
Product: Debt collection

Received a notice of debt collection that went to my old address for medical bills that I never had. The fact that this went to my old address and I have not been to an Emergency Room or had any operations, makes this seem suspicious if not fraudulent. I recently purchased a home and no-where in the loan application did this debt show up. After a quick XXXX search, said company has been accused of shady and fraudulent business practices in the past and the majority of anonymous users instructed readers to take their problems here to potentially resolve the issue, I sincerely hope that it will.
Product: Credit card

US Bank advertises their XXXX XXXX card with the annual free night certificate. I never received it and even after calling I still have not received it. I completed the requirement and was verified on the phone with customer service representative. I was given a reference number of the call on XXXX/XXXX/2016 : " XXXX ''. 
This is what they advertise : XXXX XXXX Visa ( R ) Reward Card Free Night E-Certificate ( " E-Cert '' ) is available per Account if you charged US {$10000.00} or more in Net Purchases ( purchases minus credits and returns ) on the Account during the 12-month statement cycle period immediately prior to the annual anniversary of your Account opening date.
Product: Credit reporting or other personal consumer reports

While trying to get a new auto insurance policy, I was told that I had an accident on my record. This lead to me getting a higher policy price. I inquired on LesixNexis. They gave me info on my report that has 5 records that are inaccurate and are not my information. They said the reached out to each insurance policy and that all the info is " accurate ''. There is no resolution.

here are the errors listed on my report.

1. auto accident on XX/XX/XXXX in my exhusband XXXX XXXX in an auto that he soley owns. This should be taken off. 

2.another auto accident on XX/XX/XXXX in the name of XXXX XXXX XXXX my ex husband with his truck he owns in his own name only. 

3. auto glass claim on XX/XX/XXXX in the name of XXXX XXXX for his XXXX XXXX he owns soley in his name. 

4. an auto claim on XX/XX/XXXX - I was not driving or took out a claim during the pandemic. This is also an error. 

5. auto glass claim on XX/XX/XXXX - I did not execute a glass claim or had it repaired using my insurance.
Product: Checking or savings account

I posted my resume to several online remote jobs. I received an interview appointment by going to https : XXXX Reference Code : XXXX. A person posing as XXXX XXXX XXXX hired me and then had me fill out employment forms, which included a picture of my FL driver 's license, copy of my social security card, and a self-picture for an employee ID. I sent them to XXXX. In order to set up a home office, I made XXXX XXXX payments ( XXXX x {$500.00} ) via my debit card to XXXX XXXX ( XXXX ) XXXX for home office equipment. Then, I purchased ( XXXX x {$500.00} ) XXXX XXXX XXXX and then another {$400.00} worth of XXXX XXXX XXXX. All of these purchases were made using my Chase XXXX card. During this time, I communicated with a person posing as XXXX XXXX ( XXXX ) and a person posing as XXXX XXXX XXXX ( XXXX ). The additional emails for XXXX XXXX via XXXX teams were : XXXX and for XXXX XXXX XXXX via XXXX teams was : XXXX. There was also a person named XXXX XXXX who sent me an email via XXXX and then asked me to respond to XXXX. In total, I am out {$3400.00} and Chase has denied helping me with a return of these funds to my checking account. I have their letter indicating their decision, that is attached to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I searched for my name on the Internet, I discovered that some of my personal information was being used without my permission, so I filed a complaint. My information was acquired by an aggregator website, which instructed me to first check the website 's FAQ section and then contact approximately nine separate websites to have it removed. I felt humiliated by the fact that I had to request the removal of my belongings. I discovered unauthorized, fraudulent accounts on my credit report ; I would like these accounts removed and rectified. Remove all unfavorable and fraudulent accounts from my credit report. This has made it more difficult for me to obtain credit. I am taking every measure possible to regain my life. Please assist me in removing all fake accounts. Please let me know if there is anything else I can do to have these accounts removed from my report.
Product: Credit card

I opened a credit card and checking account with Upgrade Inc., and then tried to close the account. I had to call them multiple times to get them to close the account in XXXX and XXXX, and in XXXX, I found that the credit card was still open and somehow had a fraudulent charge on it that was accruing interest. I wasn't notified about this and now I have to deal with this stuff even though I had tried to close the account over a year ago.
Product: Credit reporting or other personal consumer reports

ON OR ABOUT 3 MONTHS AGO, I SPOKE TO XXXX, XXXX AND EXPERIAN IN REGARDS TO REMOVING AN INACCURATE ACCOUNT ON MY CREDIT FILE. ALL 3 AGENCIES TOLD ME TO REACH OUT TO THE CREDITOR " XXXX XXXX '' WHICH I DID. XXXX RESPONDED TO MY DISPUTE LETTING ME KNOW THAT THE ACCOUNT DOES NOT BELONG TO THEM AND IT BELONGS TO ANOTHER COMPANY CALLED XXXX XXXX. I RELAYED THIS INFORMATION TO ALL 3 CREDIT AGENCIES AND THEY HAVE ALL RESPONDED BY TELLING ME THIS ACCOUNT IS VALID, VERIFIED OR UPDATED. THEY HAVE ALSO STATED THAT THE ACCOUNT IN DISPUTE IS " RESOLVED ''. MY QUESTION TO THE CREDIT AGENCIES IS : HOW CAN THIS MATTER BE RESOLVED IF THE ACCOUNT DOES NOT BELONG TO THE CREDITOR REPORTING IT? I WILL ATTACH A LETTER REQUESTING VALIDATION, PROOF OF OWNERSHIP, AND A LETTER FROM THE CREDITOR THAT IS REPORTING STATING THAT THE ACCOUNT DOES NOT BELONG TO THEM.
Product: Credit reporting, credit repair services, or other personal consumer reports

So for about a year no equifax has failed to report my account accurately. I have about 4 credit cards that are not reflecting on my report and an auto loan that they fail to report. But I didnt think It was a big deal until I needed to move out of my home. I got approved for a apartment but they couldnt pull my reports. First it was frozen so I called equifax, they said they fixed it then 3 days laters the freeze wasn't removed and they need me to send paper work proving my identity. I did that. still nothing and they said everything is okay but when the leasing company tried they still couldnt pull my reports. 

I ended up loosing the apartment and have to sleep at relatives home for about two weeks. Equifax has failed me, I think its a technical issue but no one can pull my reports from equifax. I applied for an auto loans and same thing " cant pull equifax report ''. This has affected me so much. Besides them not reporting all my accounts, not letting lenders pull my reports even though they say I have no freeze or alert, equifax is also reporting false accounts. I have never had a credit card with XXXX. I need this fraudulent account removed immediately. I am prepared to lawyer up at this point because equifax is failing as credit report agency and refusing to help resolve the issues at this point.
Product: Student loan

I have a large amount of student loan debt as I have tried several times to complete my degree program. My loan amounts are approx. {$70000.00} at this time. I started college in XX/XX/XXXX after I graduated high school and I did complete an XXXX Degree program. I have since enrolled in several XXXX Degree programs and have been unsuccessful in completing them. The financial aid departments and college recruiters never tell you the extreme levels of harassment that Naviant will take to get paid on their loans. 

I understand I that I owe the debt. I also understand that I have XXXX children and I work a full time job. My fiance and I are struggling to keep our rent paid and our electricity turned on at this point in our lives. XXXX of my children 's birthdays are coming up and XXXX is right behind that. It's difficult to explain to children that I couldn't buy them a birthday gift because I had to pay for degree that I actually never got. It's also difficult to explain to our landlord that we couldn't pay our rent for the same reason. I've done my best to pay {$50.00} a month for two years and I reviewed to find out that instead of paying that {$50.00} dollars toward the lowest or highest interest accruing loan, Navient was taking the {$50.00} and splitting into change across the several loans and making appear that my several payments I could make actually never had any impact at all while continuing to charge me interest on all of the loans. Over the last year I have made payments to loans when I could but the loans that had the lowest balances in an effort to actually pay off some of the loans before I die, as based on their payment allocation or payment options I will either never be able to pay the loans off or never be able to afford to pay the loans off. I do not know a person who can with my salary make payments to a loan of over {$2000.00}. 

I was notified last night, via XXXX XXXX, by a neighbor that I grew up beside that Navient had reached out to them. Let me be clear, I haven't seen or spoken to this woman for 15 years and Navient reached out to her to contact me about my student loans. Navient also reached out to my father, whom I haven't spoken to for over 10 years. I'm XXXX years old. I'm curious to why these people are being contacted in regards to my debt.I feel that this may be a violation of the FDCPA. I spoke with someone at Naviant last night, who stated that it's a form of " skip tracing '' which makes me feel like a criminal. Over student loan debt. She asked me to call again today to make a payment of {$50.00} to clear the past due history until XX/XX/XXXX. I plan to call to pay the {$50.00}, which takes {$50.00} from my grocery bill for this week. Which means my fiance and I will not have lunch for this upcoming week, but I understand this debt is important and I don't want to have any more calls to my friends or any acquaintances I may have listed from the " skip tracing ''
Product: Debt collection

This debt is not mine. Merchants Credit Guide has the incorrect individual.
Product: Credit reporting or other personal consumer reports

I have XXXX accounts on my credit report I have listed the documents below.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are reporting incorrectly that I am past due on XXXX XXXX   partial account number XXXX. This account is coded as an R5 and it needs to be coded as an R1. (  Please see page 3 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.