vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-08 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: CA

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with 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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This is my third formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: MD

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

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 2025-01-08 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: CT

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-01-08 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: CT

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The credit file with XXXX and Transunion were subject to the data breach that had been effected. I have reached out to XXXX to remove any and all invalid reports to the file. This was done on or around XXXX, to XX/XX/XXXX, when I returned to follow up the online information was not accessible for my use. I was able to proceed by putting in outdated information to gain access to my file, which has loan amounts that are not factual. 

Transunion customer service disconnected the call in the process of deletion of outdated information, the follow up conversation with reps informed me incorrect listing would be removed. Fast forward no removal of invalid, incorrect information have been removed as of XX/XX/XXXX from XXXX or Transunion files.

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 2025-01-08 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: TX

Complaint narrative:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF 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 2025-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: OK

Complaint narrative:
I have informed Midland credit that they can contact me by mail and if they keep calling me it is a violation of the fair credit act. They have called XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX  ), XX/XX/year>. XX/XX/XXXX, XXXX. They call from different numbers. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. There names are XXXX and XXXX. I am a member of XXXX and they are trying to help me with my creditors. 
Respectively XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Continental Services Group, Inc. d/b/a ConServe
State: FL

Complaint narrative:
My XXXX XXXX XXXX suddenly dropped XXXX points today because an incorrect collection for a debt that is not owed was placed on my report. A collection agency called " Conserve, '' put a claim for from " Original creditor XXXX XXXX XXXX. '' However, I confirmed with the college that this debt was not owed because the course was dropped before the debt deadline, and I have records in writing reflecting that. This impacts my ability to buy a home significantly and amounts to fraud. If this false claim is not removed from my credit report promptly, I will be taking legal action. 

As a XXXX XXXX XXXX  ( and XXXX. ), I will also be reporting XXXX to the Department of Education for the practice of placing a fraudulent debt for collection. This action goes against the very mission of institutions of public education. I considered attending XXXX for professional development one semester and dropped the course before the semester even began. The registrar confirmed that it was dropped, and no fee was owed. Regarding " conserve, '' this organization has no legal right to place a fraudulent debt on my account and destroy my hard-earned excellent credit in a moment. I am looking to buy a home and may have to renew my lease now because this fraudulent action incorrectly tanked my score by nearly XXXX points. This is so obsentibly wrong ; I still can not believe that this is happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: SC

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: SC

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED 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 2025-01-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: BANKERS HEALTHCARE GROUP LLC
State: CO

Complaint narrative:
On XX/XX/year> I filed for Chapter 7 Bankruptcy. The bankruptcy included XXXX loans with XXXX XXXX ( # XXXX, XXXX, XXXX, XXXX ) that totaled {$96000.00}. The company had a collateral assignment on my New York XXXX XXXX XXXX insurance policy. The bankrputcy wad XXXX on XX/XX/year>. 

I sent BHG financial the release of collateral assignment to sign and return to me on XX/XX/year>. Today I received notification that they were " unable to release the life insurance policies. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am reaching out to contest a hard inquiry on my credit report, which I believe is incorrect.

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 2025-01-08 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 am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have attached a copy of my FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) to support my fraud claim. 

According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft or fraud report, credit reporting agencies are required to block and remove any information identified by the consumer as resulting from identity theft or fraud within XXXX business days. 

The following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX - XXXX As required by 15 U.S.C. 1681c-2, I request that this fraudulent information be blocked from my credit report immediately. This information should be blocked for a period of XXXX year, after which I XXXX request an extension of the block. During this period, this information must not be reported to any lender or agency as accurate or verified. 

I have contacted Experian several times regarding these fraudulent accounts on my report, and no solution has been provided. This situation is significantly affecting my ability to obtain financial opportunities, including housing for my family. These negative marks have been removed by other credit reporting agencies but continue to be inaccurately reported and unverified by your agency. 

Additionally, I have requested signed contracts or verification documents from the original creditor associated with these accounts, but I have not received a response within the legally required XXXX period. 

I respectfully request your immediate assistance in blocking and deleting these fraudulent accounts and inquiries from my credit report. I have included the FTC Identity Theft Report to support this request, and I hope you will make a fair and informed decision regarding 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 2025-01-08 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: NC

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: KY

Complaint narrative:
On XX/XX/year> at approximately XXXX I attempted to deposit {$950.00} cash into my USAA XXXX account at a XXXX ATM located at XXXX XXXX XXXX XXXX KY. I had made deposits and withdrawals at this ATM into my USAA account before but this time was different. After the cash was put into the ATM I received the error " Your card can not be used at this ATM. Please use another card. '' The ATM at this point attempted to refund my cash but was unable to do so. I instead received a receipt which is attached proving my attempted deposit. I have contacted both XXXX and USAA multiple times and each time they tell me they can not do anything and to contact the other bank. This situation leaves me with no other option but to get a higher authority involved to resolve this situation. Please help, 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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: IL

Complaint narrative:
My personal information is not safe at freedom mortgage. I called In XXXX to get help with my mortgage and the agent was very understanding and very helpful. I then received XXXX letters first was dated XXXX XXXX, and XXXX XXXX. I did not receive any letters from Freedom Mortgage until today XX/XX/XXXX. The letter I received from from the loss draft department, it was dated XX/XX/XXXX. The envelope was received opened and it did not only have my letter in it had XXXX other Freedom Mortgage customer letters in it. The letters contained the XXXX XXXX, Full Address, and XXXX XXXX. I called on XX/XX/XXXX to let advise that I don't feel my information is safe. It took me to the loss prevention department, they advised me I was approved for a partial claim and a letter was sent back in XXXX, since I missed the payment in XXXX, it is denied. I responded with I didn't even know! I never received a letter. I had the agent send me the letter to my email. He advised me to call back on Monday XX/XX/XXXX. " to see if I can get back on the the program. '' So my questions are : XXXX. How can I be sure my Information is safe? XXXX. How can I be sure that the letter they say was sent in XX/XX/XXXX didn't go to somebody else with my information ( that's pretty personal information )? XXXX the envelope arrived open can there others that were in there that are not there now?

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 2025-01-08 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Removal of Inaccurate Names from Credit Report Dear Experian Customer Service, I am writing to dispute the inclusion of inaccurate names on my credit report. I have identified the following names that do not reflect my full legal name, requesting removal : XXXX. XXXX A XXXX XXXX. XXXX XXXX My full legal name, as shown on my driver 's license and electric bill account summary, is [ XXXX XXXX XXXX ]. I kindly ask that you correct this information and ensure that my credit report accurately reflects my name. 

If you require any further documentation or information to process this request, please let me know. I appreciate your prompt attention to this matter and look forward to your response. 

Thank you for your assistance. 

Sincerely,

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 2025-01-08 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 filing this complaint against Equifax and XXXX for inaccurate and misleading reporting on my credit report regarding the following accounts : XXXX XXXX XXXX XXXX ( Account # : XXXX ) The account is inaccurately reporting multiple monthly charge-offs, which is misleading and creates the appearance of ongoing delinquency. A charge-off is a one-time accounting event and should not be reported repeatedly in subsequent months. This violates the Fair Credit Reporting Act ( FCRA ) 607 ( b ), which requires credit reporting agencies to maintain maximum possible accuracy in reporting. 

XXXX XXXX ( Account # : XXXX ) Similar to the auto loan, this account also reflects multiple instances of charge-offs over several months, which is factually incorrect. This practice creates a false impression of my creditworthiness and further violates the FCRA 607 ( b ). 
Details of the Issue : Both Equifax and XXXX have allowed these accounts to reflect repeated charge-offs monthly, creating the false impression of ongoing delinquency rather than a one-time event. 
This repeated reporting is misleading and damages my credit profile. 
Despite disputes submitted directly to both bureaus, these inaccuracies remain uncorrected, and no valid documentation has been provided to verify the accuracy of this reporting. 
Relevant Case Law : In XXXX XXXX XXXX XXXX Bank, XXXX. ( No. XXXX ), it was established that repeated reporting of charge-offs is misleading and violates the FCRA, as it misrepresents the account status and damages consumer creditworthiness. 

XXXX Requested : I request that both Equifax and XXXX provide the method of verification used to confirm the repeated charge-off reporting, as required by FCRA 611 ( a ) ( 6 ) ( B ) ( iii ).

If neither bureau can provide accurate verification, I demand the immediate deletion of these accounts from my credit report under FCRA 611 ( a ) ( 5 ) ( A ). 
Desired Outcome : I am seeking resolution of this issue by either : Proper verification of the accuracy of the reporting ; or XXXX deletion of the accounts if no accurate verification can be provided. 
I request the CFPB to ensure that both Equifax and XXXX comply with the FCRA and correct these violations promptly. 

equifax reported that the account was deleted to CFPB but if is still reporting to my credit.

Company response to consumer: Closed with explanation