vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-01 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-01 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-04-01 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: GA

Complaint narrative:
After sending letters for months and months, Experian did not accurately investigate the negative items on 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 2025-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
After further research of the bank America, credit cards my original credit cards make America did not credit my credit cards properly each month. I paid off my credit cards both credit cards. It does not reflect that on the statements..

Additionally, they continued to transfer fraudulent credit card charges onto the new credit card once I reported it. Ive been fighting this for over two years. I know I recently reported I want the interest in the credits from the fried back, but they never properly credited my account each month when I paid it in full.

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 monetary relief
Consumer complaint received 2025-04-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: United Shore Financial Services, LLC
State: FL

Complaint narrative:
I believe my mortgage was fraudulently originated and funded using a negotiable instrument created from my own signed loan documents. I was not informed that the lender received the full value of the loanincluding future interestupfront by monetizing my signature. The lender did not put up any of their money or collateral. A contract also requires 2 living parties that both provide value. I do not believe there was a living person who signed the loan document, therefore we do not have a valid contract.

I was then unjustly required to repay the loan over 30 years as if they had actually put up their own collateral. This structure is deceptive and abusive. 

I also believe that my truth in lending disclosure statement provided by the lender contains errors. I believe that the stated amount of interest or the APR or Finance charges are grossly inaccurate.

If this is proven true, then I have been deceived by the lender and I rescind the contract.

Details : The process was disorganized, and closing was delayed multiple times, leading to the necessity of employing a mobile notary. 

The lender has refused to provide proof of funding, the original wet-ink note, or chain of title. 

I stopped making payments in XX/XX/year> due to unresolved fraud. 

The lender is now pursuing foreclosure and auction while the core legality of the loan is in dispute. 

A Qualified Written Request has been submitted with a request to halt further action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Southern Auto Finance Co
State: GA

Complaint narrative:
I believe I am am repeat victim of predatory lending. When I addressed with the company the 100+ reversals on account- I was told it was the reversal in the late fee. I have reached out and begged for assistance and audit on account. I have an accounting degree and have been quite alarmed by the way this account has been handled. I am submitting a payment history report from XXXX. It shows where balance on account had running balance of $ XXXXthen you see 100+ reversals on account that now overstate running total to over {$6200.00}. I am also uploading the two payments I made in the month of XXXXwhen the 100+ reversals started t hit the account, make what I paid down be more and pure confusion on this account. Someone whom is an accounting analyst need to audit. review and fix this account. If I am paying it down, how and why are reversals for interest, principle and late fees going on this account -multiple times on one day XXXX need credit and this fixed-This is absurd accounting visibility that is outside of the GAAP-perhaps one was supposed to reverse late fees only-but whomever did this screwed account up in entirety. I owe more-insane and unethical. Please see attached. 

To this complaint : *****THEY RESPONDED THEY WERE MISSING XXXX PAYMENT******* I sent proof and followed up with a call. 

And was advised they are NOT missing XXXXthey do not have they're ducks in a row... Now it's XXXX that is missing-Please assist- I need special hands on, on this account to get it fixed by someone that understands GAAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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 was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-04-01 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Payactiv, Inc.
State: OK

Complaint narrative:
On XX/XX/XXXX - I received 3 text messages and 2 emails at work indicating that {$500.00} was deposited in my mobile wallet. I tried to call and confirm that this account is closed and that there is no wallet, no money and no card. There should be no reason to advise of this information, unless someone is using my information illegally or trying to run a scam, which is very concerning, since my identity was stolen 3 times in the last year and 3 times in the past 5 years. 

In XXXX - this account was closed. They assured me there was no card attached to this account and that there are no funds in it. They also confirmed that they would not be sending any other communications out on this, since this account was closed. 

If there is money in this account, it's taking money away from my paycheck and will be causing issues with payments, rent and overdrafts on current items I have on automatic withdraw. 

I'm not sure if there is anything you can do, but I thought I'd give it a go, since they do not want to cooperate with me and confirm that this account has been closed and nothing should have been sent to me. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: PLANET HOME LENDING, LLC
State: CA

Complaint narrative:
Automatic payments failed on three months of mortgage payments. I attempted to rectify this by manually paying on the website. The website gave no option to make a payment and said the phone payment system must be used. I attempted several ( over a dozen ) times to call and make a payment. I ran into multiple problems. First, the phone refused to recognize me as a customer. Second, the phone line constantly disconnected me. Third, several of the reps were outright insulting me on the phone over the late payments despite the fact I was trying to make them and had the money to do so. As I have no interest in being insulted as a customer, I hung up and would try later until finally I got someone that successfully took my payment.

As of now, ALL payments have been made. Nothing is delinquent. Yet the credit reporting bureaus refuse to remove the late payment notification until Planet Home Lending does so, and they will not listen to my request under any circumstances. I have talked to multiple agents and received a document in the mail saying they won't remove it, despite it being their fault in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
collection account added to my credit report in error

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: NC

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My account was never late! I have had exceptional payment history 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 to be 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 a
s 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.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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!

Update the late payments from my consumer reports

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 2025-04-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX - Balance : {$1800.00} - Account # : XXXXXXXX XXXX XXXX XXXX - Balance : {$3600.00} - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

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 2025-04-01 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: FL

Complaint narrative:
This is my 2nd attempt i am interested in processing disputes for inaccuracy on my credit report an i accurate accounts thats are not mines reporting to my credit report. These accounts do not follow the FCRA rules. I am a victim of identity theft i have no knowledge of the invalid accounts listed. Please review an remove the accounts listed in the dispute to clear and correct my credit report asap

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 2025-04-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.
State: AR

Complaint narrative:
Subject : FORMAL DISPUTE OF DEBT- DEMAND FOR PROOF OF ASSIGNMENT OF CONTRACT To Whom It May Concern, I am formally disputing the alleged debt you are attempting to collect. Under 15 U.S.C. 1692g ( FDCPA ) and U.C.C. Article 9, you are required to provide verifiable proof that you have a legal right to collect on this debt, including proof of an assignment an assignment of contract from the original creditor. Until you provide the documentation, you are prohibited from any further collection attempts under federal law. 
Provide a complete copy of the original contract- Provide a signed agreement between me and the original creditor that legally binds me to this alleged debt. 
Proof of Assignment or Sale Contract- Provide documented evidence that the original creditor has legally assigned or sold this debt to you, giving you the authority to collect. 
Complete payment history- Show all transactions from the original creditor, including the full chain title showing any transfers of ownership.

Itemized list of charges- detail breakdown of the current amount that is owed.

Verification of debt amount Statute of limitation and of debt is expired. 
I will Await your reply with the above requested proof. Upon receiving it, I will correspond back with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRIES : Equifax XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish any account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation