vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-04 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: NE

Complaint narrative:
My wife and I took out a HELOC. It was pretty much maxed out but I had been paying minimum monthly payments. I had a few hiccups in XXXX but was consistently paying on it. My wife and I got divorced. I pulled out money from retirement accounts to pay off a bunch of my debts. As soon as I transferred the {$8200.00} from my checking to to that credit card account in my US BANK mobile app to bring the balance to {$0.00}, the account disappeared. I called and spoke to XXXX different rep on to find out my ex wife has it in her debt consolidation program and its been in collections since XXXX of XXXX. Its a joint account and I was never notified about the collections status nor did that show up on my credit as a closed account. Now its paid and shows as a closed account with a balance. In the divorce decree I said Id handle anything concerning the mortgage, but for it to be closed with a balance and in their collections department concerns me and infuriates me.

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 2025-01-04 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: MOHELA
State: VA

Complaint narrative:
I submitted a complaint last in XX/XX/XXXX, here it is XX/XX/XXXX and the company hasn't responded within the mandated XXXX investigation period. According to the FCRA, if a furnisher fails to verify the accuracy of disputed information with the specified timeframe, the disputed information must be removed from my credit report. I request the CFPB 's assistance in ensuring compliance with these legal obligations. 

The original complaint number for this claim is XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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 have sent in plenty of letters asking for such inquiries to be removed from my credit and rather than reviewing my letters and pushing through my requests, said company has decided to stall my on this matter. Often times not giving a response.

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

Complaint narrative:
I am contacting you to address several inaccuracies Ive encountered with the credit bureau, including incorrect account listings, unauthorized inquiries, inaccurate credit reporting, and billing errors.

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 2025-01-04 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: IL

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 enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Rosebud Economic Development Corporation
State: FL

Complaint narrative:
Today, XX/XX/XXXX first thing in the morning at XXXX AM. I contact three sticks lending to pay off my payday loan. They said that they will take the payment today but theres another payment that is coming out on Monday but todays XXXX when Im scheduled to pay off the loan lady by the name of mix. Shes the one handling the call spoke with the company last week and I have until XX/XX/XXXX to pay it off for the amount quoted around {$2900.00}. Mix is the name of the lady that Im dealing with. She says that shell take the payment today on XXXX but that there needs to be another payment that comes out on Monday. The loan is XXXX % interest mind you this is against user laws. After arguing for about a half an XXXX, she said that she can process the payment today, but it wont go through until XXXX and thats the same day that my next payment is due so she would not accept payment without me agreeing to an additional payment being taken out on XXXX. So I told her no. I feel that this company needs to be looked in for usually laws for a XXXX % loan and when we agreed to pay off the loan, theyre trying to charge me extra fees and that needs to be looked into also.

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 2025-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
You've asked CFPB to assist you with the application of funds and foreclosure.

There is not one complaint form that asked you to assist with funds and forclosure.

I've asked you to send to prosecution for criminal activity. that is a bit different that assistance with an application, don't you think?

You have complaints all the way back to XXXX XXXX. Hopefully you've replaced most of those employees or retrained them to work for us Americans instead of whatever country you think you represent. fix it.

Pick a File number and read it and that will be what happened. You should have it memorized by 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 2025-01-04 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: VA

Complaint narrative:
Under Section 15 USC 16811 ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days or receiving a consumers dispute 1. [ All XXXX XXXX XXXX Accounts ) : Provide the description of the procedure of the investigation used to verify this account if you can't delete this account immediately.

This debt collector engaged unfair, abusive, and deceiving tactics that are unlawful under the FDCPA. They provided this account, for which i did not sign an agreement, and we did not agree. Two parties must sign a legal contract, and I was not involved in any of it. Furthermore, they failed to stick to the correct five-step validation procedure, which renders these activities unfair. I'm enttied to payment under the FDCPA for each infraction, and it's apparent that they broke my rights.

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 2025-01-04 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: MS

Complaint narrative:
Identity Theft Affidavit Affiant Information Full Name : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX, XXXX XXXX Phone Number : ( XXXX ) XXXX Email Address : [ Your Email Address ] Fraudulent Account Information Creditor Name : XXXX XXXX XXXX Account Number ( Partial ) : XXXX Date Opened : XX/XX/XXXX Balance Reported : {$15000.00} Statement of Facts I, XXXX XXXX XXXX XXXX hereby declare that I am a victim of identity theft. The account listed above, reported by XXXXXXXX XXXX XXXX, was opened without my knowledge or consent. I did not authorize this account, and I am not responsible for any charges or balances associated with it. 

I have taken the following steps to address this issue : Filed a dispute with the credit bureau ( s ) reporting this account.

Reported this incident to the Federal Trade Commission ( FTC ). 

Filed this affidavit to support my claim of identity theft. 

Declaration I affirm, under penalty of perjury, that the information provided in this affidavit is true and correct to the best of my knowledge. 

Signature : XXXX XXXXXXXX Date : 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 2025-01-04 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: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
I have submitted a complaint credit acceptance they called me then changed and put more false information on my credit report and removed the charge offs and changed dates This account was charged off on the following date : XX/XX/year> Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should active payment history. This inaccurate information falsely manipulates the statute of limitat* investigate this account property after I asked you to do it TWICE and your neglect has viol demanding a deletion of the following account : Accounts Name : Account Number : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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:
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 explanation
Consumer complaint received 2025-01-04 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: OR

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 explanation
Consumer complaint received 2025-01-04 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: TX

Complaint narrative:
XXXX XXXX is now practicing fraud. they've been made aware and still continued their process. 

Dec- XXXX Spoke with Collections Manager XXXX XXXX He was made aware that the charge is invalid. I sent him copies of the emails indicating that this charge is invalid and not a true charge due to not processing the application. These emails came from the community directly. I also requested to speak with the XXXX XXXX attorney 's and nothing. I also requested the debt be validated with the company ( XXXX XXXX ) and nothing. I have the phone recordings. See the attached email string. This is false reporting on my credit report and illegal. I want this removed. 

Dec- XXXX Made rep aware that this is a fraud charge. I requested validation from the company and I also requested to speak wiht the attorney 's. I have email string and recordings for this as well. 

They are practicing fraud. XXXX definition of fraud is - Wrongful deception with the intent to gain personally or financially Intentional deception in order to persuade another person to part with something of value A person who pretends to be something or someone he is not

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 2025-01-04 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: IL

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 enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, 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 non-monetary relief
Consumer complaint received 2025-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
During the COVID-19 Pandemic, I reached out to Midland Credit about my two credit accounts. The first one was XXXX XXXX, and the other one is XXXX XXXX XXXX, both under the same company. Despite paying off the debt, it was never removed from my credit report. It is now 2025, and the negative items are still there. After multiple calls, I am still left with unanswered questions. Despite both parties agreeing that the debt was settled, it remains on my credit report. I urgently need your assistance to understand why these items are negatively affecting my credit when the payments have been made. Your help is required ASAP.

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

Complaint narrative:
I would like to dispute the bankruptcy currently listed on my credit report, as its presence is significantly affecting my credit score and financial standing. This negative entry is creating challenges for me in securing loans, credit, or other financial opportunities. I believe there may be inaccuracies or issues related to this record that need to be addressed, and I would appreciate assistance in verifying and resolving this matter promptly.

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 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I would like to dispute the bankruptcy currently listed on my credit report, as its presence is significantly affecting my credit score and financial standing. This negative entry is creating challenges for me in securing loans, credit, or other financial opportunities. I believe there may be inaccuracies or issues related to this record that need to be addressed, and I would appreciate assistance in verifying and resolving this matter promptly.

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 2025-01-04 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: AFNI INC.
State: TX

Complaint narrative:
I was in a car accident on XXXX XXXX with a car owned by another. I was unaware that the car was un insured at that time. Quite some time passed by and I was contacted by a debt collector company called Afni inc on behalf of progressive auto insurance on XXXX XXXX. I told the representative XXXX XXXXXXXX XXXX XXXX that I can not pay this debt anytime and wont be able to anytime, soon as I am financially stressed and unable to afford anything. He thence became combative, and threatened the company can file to have my license taken away ( suspended ) if I didnt settle the matter, and start marking payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
I paid off this card. I was checking it as they are VERY scrupulous and they seem to be FRAUDULENT. I will give all examples as they need to be investigated ASAP! Please. I would turn this into the atty generals office, but they seem to be untrustworthy with investigation unless it tickles his fancy. 

XXXX. I had a XXXX balance, but the card continued to get declined. I never placed a hold on the card. It got declined numerous times at dominoes pizza. I then called over to Milestone credit. They lied, blatantly. I am XXXX severely now and a severe XXXX. She claimed a " hold '' was placed on my account due to FRAUD, but I caught her in a lie. How! Well, if a fraud is on a person 's account you need to CONTACT the consumer immediately and speak to them about it. This never HAPPENED. They lied! And, they got caught.

2. When you call this company called milestone credit card, the only way you can access your credit account is by punching in the last four digits of your social security number which is frightening. I have tried to bring this to their attention before, but they have ignored me. It should be the last four of your credit card, then the last four of your social for security purposes. Any XXXX, XXXX, or XXXX, stalker, or XXXX of the three people who have stolen my identity could call to get my credit card information and decide to mess around with me, harass me through my credit card which is illegal, and to harass me, and get my credit information with my XXXX number is extremely illegal. They lied! Blatantly! After I spoke with them they released the hold, but I want them held accountable for this.

3. When I called today, my balance was WAY off. There is no explanation of it either. Usually on credit cards you can access this information and the charges. Nothing. There is some sort of fraud happening with this company. Please investigate. Also, why are you not asking for who the company is? Do you not need this information to investigate them? RIGHT?

Company response to consumer: Closed with explanation