vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NY

Complaint narrative:
Company did give proof of debt validation without proof of signature, ID other than an expired lease. There is no contract between Fair Collections and myself that states I owe them the debt. They fabricated a fake XXXX  XXXX licensing number ( XXXX ) that are not valid in my state. Under NMLS consumer access that are not licensed to collect in my state. This is a major violation to attempt to collect a debt. 
According to the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ), a collection agency must provide verification of the debt upon request. Since the collection agency has not provided this validation, the collection account should not be reported on my credit file.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I am requesting that you reinvestigate this matter. The continued reporting of this collection account without proper validation is inaccurate and violates the 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 2025-02-19 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: CLGF Holdco 1, LLC
State: MN

Complaint narrative:
This account was reported on XX/XX/2024 in the amount of {$620.00}. I advised that this account was opened under my name fraudulently and I also stated that I may have been sim swapped. The company has refused to remove this from my credit report and continues to harass me with phone calls, emails, and text messages to pay a bill that does not belong to me. This was reported under a police report XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I refinanced my vehicle loan through XXXX XXXX XXXX XXXX, and they issued a check to Ally Financial to pay off the remaining balance of my original loan. 
I promptly mailed the check to Ally Financial, and ever since, I have been subjected to repeated and harassing calls from Ally Financial, claiming that my payment is overdue. 
I have explained to their representatives multiple times that the loan was refinanced and that the check was sent. Despite this, I was told that no payment had been received. 
I then contacted XXXX XXXX XXXX XXXX, who confirmed that the check was received and cashed by Ally Financial on XX/XX/year>. 
After providing this confirmation to Ally Financials representatives, I was told that their records showed no payment was received. 
I have been repeatedly harassed by Ally Financial despite providing evidence that the payment was processed and confirmed by XXXX XXXX. This has caused significant stress and inconvenience, and I am frustrated by their continued insistence that no payment has been received when it has been clearly documented.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: LA

Complaint narrative:
m submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent Items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any Items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX  XXXX BALANCED {$5700.00} XXXX  XXXX XXXX BALANCED {$500.00} XXXX XXXX XXXX BALANCED {$16000.00} XXXX XXXX BALANCED {$22000.00} XXXX XXXX XXXX BALANCED {$600.00} XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX  XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX XXXX BALANCED {$8800.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am reaching out to formally dispute the inaccurate inclusion of a bankruptcy on my credit report. I have obtained an official letter from the court that clearly states this bankruptcy should not be reported to your agency. Despite this, it still appears on my credit file, which is both misleading and unjust. The presence of this erroneous record is causing unnecessary harm to my credit standing and must be corrected immediately. 

Moreover, I have reason to believe that an unauthorized third party is involved in this matter, further complicating the situation. The involvement of an unknown entity raises serious concerns about the accuracy and security of my personal financial information. It is unacceptable that such an error has been allowed to persist, and I urge you to take immediate action to rectify it.

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 2025-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I got a new amex card to do a balance transfer from XXXX to amex for the amount of {$4500.00} in late XXXX to earlier XXXX. on XX/XX/XXXX it appeared on my amex card and they said it can take up tp 6 weeks to appear on the XXXX XXXX but it never happened and I tried disputing this severl times. the last 4 digits they said they transferred to were also incorrect.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Sezzle Inc.
State: GA

Complaint narrative:
Complaint Summary : I am filing this complaint against Sezzle , Inc. for failing to remove an inaccurate late payment from my credit report despite providing clear evidence that my account was in good standing. Sezzles refusal to correct this error has negatively impacted my credit score, and I am requesting CFPB intervention to ensure compliance with the Fair Credit Reporting Act ( FCRA ). 


-- - Background : Sezzle Account Number : XXXX Date Opened : XX/XX/XXXX Last Payment Made : XX/XX/XXXX Disputed Late Payment : Reported as 60 days late in XX/XX/XXXX On XX/XX/XXXX, I contacted Sezzle regarding an inaccurately reported 60-day late payment from XX/XX/XXXX on my credit report. I provided them with multiple forms of evidence, including : A Sezzle-issued confirmation of balance letter ( dated XX/XX/XXXX ), stating that my account is current and has no outstanding balance. 

Screenshots of my XXXX report showing the incorrect late payment. 

A ZIP file containing the full email history between myself and Sezzle, including all interactions regarding this dispute. 


Despite this, Sezzle has failed to correct the inaccurate reporting or provide a valid explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: LA

Complaint narrative:
I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX  XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX  # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX  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 non-monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
In XXXX, XXXX XXXX  reported my mortgage payment delinquent between the months of XXXX and XXXX. This was incorrect. I contacted XXXX XXXX  several times throughout the XXXX  of XXXX to get this fixed. After XXXX XXXX  agreed they reported my account 150 days delinquent incorrectly, they claimed to me they reached out to the major credit bureaus to reverse their misreporting. I also directly disputed the mistake with Equifax and TransUnion in XXXX. I specifically disputed the mistake with Experian two times in XXXX and again in XXXX, in which I included a written statement from XXXX XXXX  corroborating my dispute. 

As of XXXX, when I check my yearly free credit report, none of the main credit bureaus ( Equifax, Experian, and TransUnion ) had removed the delinquency. As of this writing, Experian has still not removed the 150 delinquency 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 explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Please review the attached documents. I request that the bureau initiates an investigation into these accounts. I have never been late on this account.

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 2025-02-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc.
State: DE

Complaint narrative:
XXXX XXXX sold my mortgage to mr.cooper. XXXX XXXX approved a 9 month forbearance/ Hardship, before it was transferred to Mr. Cooper . Since the mortgage was transferred to Cooper, Cooper has raised & fees were added. Cooper is impossible to get through to get someone to talk to. My mortgage monthly was {$640.00} now {$670.00} according to Cooper. This is illegal according to the law. I didn't ask to be transferred, I guess because I'm having financial hardship these company 's feel like they can do what they want to take advantage of consumers. Cooper is not honoring the FHA XXXX I was approved for as of XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
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 2025-02-19 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
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 non-monetary relief
Consumer complaint received 2025-02-19 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 is not a mistake, and I need this issue addressed immediately. My credit report contains mixed and inaccurate information, including accounts, transactions, and personal details that do not belong to me. Despite my repeated efforts to resolve this, these errors persist, causing me extreme stress and negatively impacting my financial stability. Additionally, incorrect personal information is linked to my report, further complicating my credit profile.

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 2025-02-19 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: MA

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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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: MI

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX  XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX  XXXXXXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX  XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX/XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXXXXXX 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 2025-02-19 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: TX

Complaint narrative:
Private information exposed publicly in recent events. Account information inaccurate. According to 15 usc 6801, The gramm-leach-bliley act. 15 usc 1681 ( b ). Non compliant with the FCRA. The total balance of {$12000.00} to be deleted from Trans union, Equifax, Experian profiles. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I presume that no proof of the alleged debt, nor therefore any such debt, infact exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: TX

Complaint narrative:
Private information exposed publicly in recent events. Account information inaccurate. According to 15 usc 6801, The gramm-leach-bliley act. 15 usc 1681 ( b ). Non compliant with the FCRA. The total balance of {$12000.00} to be deleted from Trans union, Equifax, Experian profiles. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I presume that no proof of the alleged debt, nor therefore any such debt, infact exists.

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 2025-02-19 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: GA

Complaint narrative:
Complaint Summary : I am filing this complaint against XXXX XXXX XXXX for failing to remove an inaccurate late payment from my credit report despite providing clear evidence that my account was in good standing. XXXX refusal to correct this error has negatively impacted my credit score, and I am requesting CFPB intervention to ensure compliance with the Fair Credit Reporting Act ( FCRA ). 


-- - Background : Sezzle Account Number : XXXX Date Opened : XX/XX/XXXX Last Payment Made : XX/XX/XXXX Disputed Late Payment : Reported as 60 days late in XX/XX/XXXX On XX/XX/XXXX, I contacted XXXX regarding an inaccurately reported 60-day late payment from XX/XX/XXXX on my credit report. I provided them with multiple forms of evidence, including : A XXXX-issued confirmation of balance letter ( dated XX/XX/XXXX ), stating that my account is current and has no outstanding balance. 

Screenshots of my XXXX report showing the incorrect late payment. 

A ZIP file containing the full email history between myself and XXXX, including all interactions regarding this dispute. 


Despite this, XXXX has failed to correct the inaccurate reporting or provide a valid explanation.

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 2025-02-19 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: GA

Complaint narrative:
Complaint Summary : I am filing this complaint against XXXX XXXX XXXX for failing to remove an inaccurate late payment from my credit report despite providing clear evidence that my account was in good standing. XXXX refusal to correct this error has negatively impacted my credit score, and I am requesting CFPB intervention to ensure compliance with the Fair Credit Reporting Act ( FCRA ). 


-- - Background : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Last Payment Made : XX/XX/XXXX Disputed Late Payment : Reported as 60 days late in XX/XX/XXXX On XX/XX/XXXX, I contacted XXXX regarding an inaccurately reported 60-day late payment from XX/XX/XXXX on my credit report. I provided them with multiple forms of evidence, including : A XXXX-issued confirmation of balance letter ( dated XX/XX/XXXX ), stating that my account is current and has no outstanding balance. 

Screenshots of my TransUnion report showing the incorrect late payment. 

A XXXX   file containing the full email history between myself and XXXX, including all interactions regarding this dispute. 


Despite this, XXXX has failed to correct the inaccurate reporting or provide a valid explanation.

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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items. 
2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ). 
3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

XXXX  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 non-monetary relief