vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Transunion reported a voluntary repossession on my report for almost seven years on my credit report. They finally removed it after I was forced to hire at least two credit repair companies and had to spend time and money disputing it myself when I sent proof TWICE that the company was in litigation with the CFPB and that I was a victim. Long story short, a resolution from the car lending company finally came. They sent me a letter stating that the loan was considered paid in full and that no further money was owed. And they told me that they did report it to all three bureaus. Hence, Transunion 's reporting of a voluntary repossession was inaccurate and incomplete and violated FCRA laws. I am uploading documentation from XXXX XXXX stating that no further money is owed.

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 2025-01-05 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: WI

Complaint narrative:
I reached out to the credit regarding updating information on my credit report But I was never late with XXXX XXXX XXXX When it clearly shows on my bill I made a payment on XX/XX/year> but Its reports I never made a payment in XXXX which is a lie I also sent them proof of the inaccurate information and they have not updated my credit report or provided me any information on how they verify the information Which is bond laid my rights according to 15 U.S. Code 1681

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 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
**Consumer Financial Protection Bureau** XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX IA XXXX **Subject : Complaint Regarding Inaccurate Information on Credit Report** Dear CFPB, I am writing to formally submit a complaint regarding inaccurate information reported on my credit report from Experian concerning an account with XXXX Bank ( Account Number : XXXX ). 

**Account Details : ** - **Original Creditor : ** XXXX Bank - XXXX Type : ** Secured Card - **Date Opened : ** XX/XX/XXXX - **Status : ** Closed, Charged Off - **Balance : ** {$890.00} ( written off ) - **Past Due Amount : ** {$890.00} as of XX/XX/XXXX - **Credit Limit : ** {$400.00} - **Highest Balance : ** {$890.00} - **Last Payment Date : ** XX/XX/XXXX - **Monthly Payment : ** Not specified - **Terms of Responsibility : ** Individual **Issues : ** 1. The account was charged off, and I believe the reported balance and past due amount are incorrect. The account shows a balance of {$890.00}, which has been reported as written off.

2. The account was previously in dispute, and while I was informed that the investigation was complete, the information reported does not reflect the resolution of my dispute.

3. I believe that the reporting of this information is having a negative impact on my creditworthiness.

I request your assistance in reviewing this matter and ensuring that my credit report accurately reflects my financial history. I would appreciate any guidance on how to resolve this issue and correct any inaccuracies that may exist. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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 2025-01-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
XX/XX/XXXX : my loan was transferred to Carrington Mortgage Services XX/XX/XXXX : their fraudulent practices were discovered XX/XX/XXXX : conditional acceptance letter was sent to the company/CFO along with a request for debt validation ; my request was ignored, however, in the meantime I attempted to utilize negotiable instruments/coupons to settle the account which they refused to process, demanding federal reserve notes as payment instead XX/XX/XXXX : Fault in Dishonor & Opportunity to Cure notice was sent XX/XX/XXXX : Certificate of Non Response was sent along with a Bill of Particulars for specified USC violations ; Everything that I requested was ignored & they sent me a foreclosure notice. I eventually brought my account back up to date by making payments but the company failed to properly respond to any of my requests & were in clear violation of several USCs as outlined in every affidavit that I sent to them Violations as of XX/XX/XXXX included : Extortion ( {$24000.00} ), Breach of Contract Xs2 ( {>= $1,000,000} ), & 18 USC sec 1956 ( {$500000.00} ) plus additional damages ( {$2000.00} ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: World Acceptance Corporation
State: TX

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: John C. Heath, Attorney at Law, PLLC
State: GA

Complaint narrative:
Loss contact because of my move. No longer have the account.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: GA

Complaint narrative:
I am XXXX XXXX, SS # XXXX, XXXX XX/XX/XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S. Code 1681c-2 ) that you, the EQUIFAX 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 Personal Credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) on XX/XX/XXXX under the account number XXXX, a Personal Loan account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) on XX/XX/XXXX under the account number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
Reference number XXXX I've applied application with capital I'm the process I was denied my credit and my securities were mishandled according to the company 's sec filing tells other wise

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: LJ Ross Associates
State: MI

Complaint narrative:
XXXX XXXX XXXX Balance : {$32000.00} Issue : Open and past due status reported inaccurately.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: MI

Complaint narrative:
XXXX XXXX XXXX Balance : {$32000.00} Issue : Open and past due status reported inaccurately.

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 2025-01-05 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: SANTANDER HOLDINGS USA, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX Balance : {$32000.00} Issue : Open and past due status reported inaccurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 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: Self Financial Inc.
State: TX

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
TransUnion reported a public record on my credit report, which violated 15 U.S. Code 1681c. This section outlines the requirements for the information contained in consumer reports, including the exclusion of certain items like cases under XXXX XXXX XXXX bankruptcy ) that haven't received a final judgment. Bankruptcies that are dismissed without prejudice are bankruptcies that have NOT received a final judgment. Furthermore, Bankruptcies can not be VERIFIED. Credit reporting agencies, including Transunion, are lying to consumers, stating that XXXX verifies bankruptcies when, in fact, they do not, and neither do the bankruptcy courts, including their electronic PACER public records system. I have also complained on XXXX for providing information that they can not verify!

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 2025-01-05 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: NY

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX. ) XXXX XXXX Account # XXXX Balance : {$2400.00} XXXX. ) XXXXXXXX XXXX XXXX Account # XXXX Balance : {$3600.00} XXXX. ) XXXX XXXX Account # XXXX Balance : {$23000.00} XXXX. ) XXXX XXXX Account # XXXX Balance : {$750.00} XXXX. ) XXXX XXXX XXXX Account # XXXX Balance : {$2000.00}

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 2025-01-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: GA

Complaint narrative:
XXXX. During my transition from REPAYE to SAVE on around XX/XX/XXXX, MOHELA rightfully placed my loan account in Administrative Forbearance for 60 days processing but also erroneously billed and collected payment from my direct debit account during the same period. I was later contacted by MOHELA in XX/XX/XXXX about this issue and I was offered the choice of a refund for the premature billing/payment I made during that processing administrative forbearance period or I can be reinstated to an equivalent administrative forbearance period which is eligible towards my PSLF counts for the same period to rectify MOHELA 's mistake. I opted for the administrative forbearance reinstatement which the attached documents verifies my administrative forbearance from XXXX to XXXX by MOHELA. I called FSA and was told to submit a document from MOHELA which I obtained and submitted as evidenced and referenced by FSA as Feedback Case # XXXX on XX/XX/XXXX. FSA has not acted and still erroneously classifying my payments of XX/XX/XXXX and XX/XX/XXXX as regular forbearance which does not count towards my PSLF eligibility. 
Expected resolution is that FSA update my loan payment history to make my payments months of XX/XX/XXXX and XX/XX/XXXX qualify and count as Administrative Forbearance as the evidence provided my MOHELA shows which counts towards my PSLF eligibility. 

XXXX. I made full payment for my student loan due for XX/XX/XXXX to MOHELA but on FSA website, XXXX out of my XXXX loans does not reflect my XX/XX/XXXX payment and does showing I missed a payment although for the past 15 years, I made only I payment and its distributed among the XXXX loans which are consolidated into XXXX payment. I have submitted evidence from MOHELA to FSA evidenced by FSA PSLF Reconsideration request case # XXXX but had no response or resolution from FSA despite multiple follow up calls to MOHELA and FSA. 
Expected resolution is that FSA update my loan payment history to reflect all XXXX parts loans of my consolidated student loan payment was made for XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: ECMC GROUP, INC.
State: TX

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Credit Information and Notification of FDCPA Violations Dear Experian Dispute Resolution Department, I am writing to formally dispute inaccurate and misleading information contained in my credit report, which I obtained on [ date ]. Additionally, I wish to notify you of violations of the Fair Debt Collection Practices Act ( FDCPA ) by a third-party debt collector that has negatively impacted my credit report. Below, I have outlined the specific issues and the actions I request for resolution.

1. Inaccurate Information in My Credit Report The following items on my credit report are inaccurate or unverifiable : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA 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, GA XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX This information is incorrect and does not reflect my true credit history. I have attached supporting documentation, including [ e.g., account statements, payment receipts, or correspondence ], to substantiate my claim. 

These actions are in direct violation of the FDCPA and have caused undue harm to my financial reputation. I have attached copies of my correspondence with the debt collector and any relevant evidence of their misconduct.

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 2025-01-05 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: Westlake Services, LLC
State: TX

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2025-01-05 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX of birth XX/XX/XXXX contexts of complaint : This CFPB complaint has been filled to request pursuant to FCRA 605B that you the XXXX, XXXX AND EXPERIAN credit reporting agencies 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 personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX balance {$22000.00} This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO. I've attached the copy of the identity theft affidavit as proof from the US Federal Trade commission that all of the aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me and instead they are a 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 explanation
Consumer complaint received 2025-01-05 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: Early Warning Services, LLC
State: MN

Complaint narrative:
I am having a problem getting my XXXX XXXX XXXX and consumer report from Early Warning Services. I want Early Warning Services to immediately mail me a complete copy of my Early Warning Services Consumer Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
I have three credit cards from Concora credit I called to close a credit line I had, I paid the full balance and was told that it was done, 15 days later they charge me XXXX dollars in fees and charged me interest on it. I called and asked if it can be waived since its been closed now. I was told no and I asked to speak to a manager about why I was charged they locked all my accounts and will not let me pay them and close the three accounts in full this is now reflecting on my credit

Company response to consumer: Closed with monetary relief