vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-24 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Credit Glory LLC
State: IA

Complaint narrative:
I have been trying to pay off my debt to help better my credit. I already called a couple places and paid it outright. I saw this on my report saying " XXXX XXXX XXXX '' so I XXXX  the number and called to pay my debt. I was immediately roped into some recovery service. Not told about a separate {$24.00} a month fee and not told I would pay {$99.00} a month after. I can't log into my portal because it didn't accept my password so I called and was like hey I can't get into my portal and I wasn't getting the email to reset my password. I reset my password and logged in and then noticed the {$99.00} fee. I talked to someone who gave me an extra 13 days and gave me the option but didn't refund my money. I told him that I was not told everything the first time. I went to log back into my portal and my new password didn't work. So I called back again and did the same steps and she just sent me a link that's good for 24 hours and said she would submit a " ticket ''. But if I wouldn't have checked then they would have kept charging me regardless without me even having access to my online login because my dang password doesn't work.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: CA

Complaint narrative:
I am filing a complaint regarding inaccurate and inconsistent reporting of negative accounts across the three major credit bureaus ( TransUnion, Experian, and Equifax ). These accounts contain discrepancies in balance amounts, payment statuses, and reporting dates, violating the Fair Credit Reporting Act ( FCRA ). The following accounts should be removed due to unverifiable and inconsistent reporting : 1. XXXX XXXX ( XXXX XXXX, Account # XXXX ) ** Different bureaus report conflicting late statuses ( XXXX days late vs. XXXX days late ) and inconsistent past due amounts ( {$820.00} vs. {$50000.00} ). 
2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account # ) * This account is missing from TransUnion but derogatory on Experian and Equifax, with inconsistent reporting of payment history. 
3. XXXX XXXX XXXX ( Collection, Account # XXXX ) ** This collection account appears on Experian and Equifax but not TransUnion XXXX with differences in status ( charge-off vs. late XXXX days ). 
4. Source Receivables ( XXXX XXXX, Account # XXXX ) ** TransUnion lists this as open while Experian and Equifax report it as closed. Equifax also includes a remark that the debt is unsatisfied, which is not stated on other reports. 
5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ) ** This collection appears on TransUnion and Experian but is missing from Equifax XXXX 
6. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ) ** This account is only listed on TransUnion XXXX raising concerns about its validity. 
7. XXXX XXXX XXXX XXXX XXXX XXXX, Account # XXXX ) ** TransUnion reports it as open, while Experian and Equifax report it as closed. Equifax also adds a remark that the debt is unsatisfied, which is missing from the other bureaus. 

These discrepancies indicate a failure to ensure accurate reporting. I am requesting a full investigation into these accounts. If the furnishers can not verify their accuracy with consistent documentation, I demand their immediate deletion from my credit reports. This incorrect reporting has caused significant harm to my credit standing, and I seek resolution under the FCRA and Fair Debt Collection Practices Act ( FDCPA ).

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 2025-03-24 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing a complaint regarding inaccurate and inconsistent reporting of negative accounts across the three major credit bureaus ( TransUnion, Experian, and Equifax ). These accounts contain discrepancies in balance amounts, payment statuses, and reporting dates, violating the Fair Credit Reporting Act ( FCRA ). The following accounts should be removed due to unverifiable and inconsistent reporting : 1. XXXX XXXX ( XXXX XXXX, Account # XXXX ) ** Different bureaus report conflicting late statuses ( XXXX days late vs. XXXX days late ) and inconsistent past due amounts ( {$820.00} vs. {$50000.00} ). 
2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account # ) * This account is missing from TransUnion but derogatory on Experian and Equifax, with inconsistent reporting of payment history. 
3. XXXX XXXX XXXX ( Collection, Account # XXXX ) ** This collection account appears on Experian and Equifax but not TransUnion XXXX with differences in status ( charge-off vs. late XXXX days ). 
4. Source Receivables ( XXXX XXXX, Account # XXXX ) ** TransUnion lists this as open while Experian and Equifax report it as closed. Equifax also includes a remark that the debt is unsatisfied, which is not stated on other reports. 
5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ) ** This collection appears on TransUnion and Experian but is missing from Equifax XXXX 
6. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ) ** This account is only listed on TransUnion XXXX raising concerns about its validity. 
7. XXXX XXXX XXXX XXXX XXXX XXXX, Account # XXXX ) ** TransUnion reports it as open, while Experian and Equifax report it as closed. Equifax also adds a remark that the debt is unsatisfied, which is missing from the other bureaus. 

These discrepancies indicate a failure to ensure accurate reporting. I am requesting a full investigation into these accounts. If the furnishers can not verify their accuracy with consistent documentation, I demand their immediate deletion from my credit reports. This incorrect reporting has caused significant harm to my credit standing, and I seek resolution under the FCRA and Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: Credit Service Company
State: NC

Complaint narrative:
XXXX continues to report incorrect information to credit bureaus. I never had an auto loan with XXXX XXXX XXXX XXXX. The fraud issue was addressed in 2022. The credit department at XXXX XXXX  identified the problem and promised to remove this charge off. The charge off was cleared up with only one Bureau XXXX. XXXX forwarded the fraudulent account to XXXX collection companies. This is not my account. last XXXX fraudulently connected my name to is XXXX XXXX XXXX. I am requesting this be removed from my credit reportXXXX XXXX XXXX XXXX has been advised that this is not mine. but constant harassment. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-03-24 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: OK

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 non-monetary relief
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-03-24 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: OH

Complaint narrative:
I borrowed to repay some investment loans. The initial loan has been repaid. The subsequent loan was based on XXXX offering more money they said I qualified for. Unfortunately they did not do any sort of income verification. I know realize that I was preyed upon and offered money I could not afford to repay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: TX

Complaint narrative:
I am sending this complaint to XXXX regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified. 

I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove or update these entries immediately, in accordance with my federal and state consumer rights. This complaint is also a check to ensure the items you report comply with FACTA Title 1, Section 151, which clearly outlines the procedures to be followed. 

Please promptly eliminate the late payment and UPDATE this account immediately. 
XXXX XXXX XXXX Balance : {$300.00} Date Opened : XX/XX/XXXX XXXX XXXXXXXX Balance : {$370.00} Date Opened : XX/XX/XXXX I request that this account be completely removed from my credit report. Please take immediate action to delete it. 
XXXX XXXX XXXX Balance : {$4000.00} Date Opened : XX/XX/XXXX XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/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 2025-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
There was no help from CFPB yet. Instead a retaliation followed my complaints to CFPB. I have been at the bank with inquiry about monthly fees. BMO bank continued to charge monthly fees while it clear stated on the website that there is no monthly fees. It should be no monthly fees charged to my account. I sincerely asked for an adjustment started from XX/XX/year>. BMO continued to charge monthly fees of {$25.00}. I deposited over {$4000.00} in 90 days to BMO. Over 7 months BMO used over {$5000.00} of my money and I was charged {$25.00} four times total of {$100.00} and got XXXX cents in interest. From the beginning, I was not able to use my BMO debit card for over 90 days. I had a problem to look at my account digitally and use it digitally. I did not get a bonus of {$350.00}. I was charged monthly fees of {$25.00} since XX/XX/year>, when I was not supposed to.

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 2025-03-24 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: WA

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 2025-03-24 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: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
I've disputed accounts several times reporting the wrong information. Collections from LVNV funding LLC, XXXX XXXX XXXX, and others who have failed to provide debt contract request. 
XX/XX/year> I called and requested a debt contract which they were unable to provide. LVNV funding reporting {$940.00} from XXXX  XXXX. {$340.00} from XXXX whom I haven't had in over ten years. 
XXXX XXXX XXXX {$460.00}, {$770.00}. 
This is reporting on XXXX, XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: VA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: TX

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX  XXXX Balance {$2500.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$14000.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$13000.00} Open Date XX/XX/XXXX XXXX XXXX  XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$40000.00} Open Date XX/XX/XXXX XXXX  Balance {$2000.00} Open Date XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$220.00} Open Date XX/XX/XXXX inquiries XXXX Date XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY

Complaint narrative:
In my letter to the CFO of Carrington Mortgage Services , LLC dated XX/XX/XXXX, I explained that the following documents were sent to the IRS and the copy B was sent as a notice to Carrington Mortgage Services , LLC for credit and settlement of the account. I asked that they update their accounting and send me proof that the settlement was applied on there in. I received a letter back from XXXX XXXX stating that I was involved in some sort of internet scam. This is not the first time that the company has accused me of an internet scam when I've asked for douments. I have requested all documents related to my account. All off ledger accounting, the check that funded my piurchase, the origanal lost note affidavit. They claim that my note is lost, but it also has been securitized. A lost note can not be both LOST and SECURITIZED. I need them as the servicer to provide me with all the communication on how they discovered the note was lost and what steps have they taken to find it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: TX

Complaint narrative:
Here is the list of fraudulent inquiries : 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 XXXXXX/XX/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 2025-03-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I reached out to the companies several times and nothing has been fixed nor updated and Title 18, U.S.C., Section 241 - Conspiracy Against Rights This statute makes it unlawful for two or more persons to conspire to injure, oppress, threaten, or intimidate any person of any state, territory or district in the free exercise or enjoyment of any right or privilege secured to him/her by the Constitution or the laws of the United States , ( or because of his/her having exercised the same ).

It further makes it unlawful for two or more persons to go in disguise on the highway or on the premises of another with the intent to prevent or hinder his/her free exercise or enjoyment of any rights so secured Statutory damages ( of {$1000.00} ) For each negative remark on my credit report!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: CA

Complaint narrative:
This complaint is executed to dispute and seek immediate correction of inaccuracies reported by Experian regarding one account that was fraudulently opened in my name due to identity theft. 

Specifically, the XXXX XXXX XXXX credit card account ( Account Number : XXXX ) was opened on XX/XX/XXXX, as an individual account. The account has since been closed, with the status updated in XX/XX/XXXX. However, I did not open this account, nor did I authorize its use. 

As a victim of identity theft, I formally request that this fraudulent account be removed from my credit report immediately.

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 2025-03-24 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: FL

Complaint narrative:
I am writing to formally dispute unauthorized accounts on my credit report, which I believe may have been opened due to the recent data breach involving Equifax, TransUnion, and Experian. I am concerned that my personal information was compromised during the breach, and I have discovered accounts on my report that I do not recognize or authorize. 
Account Info Account Name XXXX XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Account Name XXXX XXXX Account Number XXXX Account Type Unsecured Responsibility Individual Date Opened XX/XX/XXXX Given that the breach has put my sensitive data at risk, I am requesting that you investigate these accounts under the Fair Credit Reporting Act ( FCRA ) and immediately delete any fraudulent or unauthorized accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute unauthorized accounts on my credit report, which I believe may have been opened due to the recent data breach involving Equifax, TransUnion, and Experian. I am concerned that my personal information was compromised during the breach, and I have discovered accounts on my report that I do not recognize or authorize. 
Account Info Account Name XXXX XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Account Name XXXX XXXX Account Number XXXX Account Type Unsecured Responsibility Individual Date Opened XX/XX/XXXX Given that the breach has put my sensitive data at risk, I am requesting that you investigate these accounts under the Fair Credit Reporting Act ( FCRA ) and immediately delete any fraudulent or unauthorized accounts from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 non-monetary relief
Consumer complaint received 2025-03-24 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: PA

Complaint narrative:
my Fraud Block request was declined by TransUnion I sent all paperwork to show and filed 2 police reports too. XXXX approved it and blocked it but Transunion did not. By FCRA 605B I have the right to get them fraud accounts blocked the next step is to file a lawsuit.

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