vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-03 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: FL

Complaint narrative:
I am writing to file a complaint regarding the Equifax data breach, which resulted in my personal information being exposed and used for identity theft. Under 15 U.S.C. 1681c-2 ( a ), I understand I have the right to request that fraudulent information be blocked from my credit report. However, I have faced delays and inadequate support from Equifax in resolving this issue. I urge the CFPB to investigate Equifax, XXXX and XXXX handling of this breach, ensure compliance with the Fair Credit Reporting Act, and help protect affected consumers like myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
KINDLY HELP ME. I'M GETTING STRESSED UP EVERY TIME I SEE THESE FRAUDULENT BANKRUPTCY RECORD. I WANT THESE TO BE PERMANENTLY REMOVED 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 non-monetary relief
Consumer complaint received 2025-01-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Selene Holdings LLC
State: NC

Complaint narrative:
The title, deed, and note was requested. I asked to redress the securities section of the agreement. I asked for the notice to rescind and the Tila agreement because it was not included in the contract. I have sent a POA and informed Deephaven mortgage. I am not a minor and I have capacity to contract. I have requested to name of the trustee and all owners of the contract. I have requested to see the original noted with signature. I have requested all the documents I signed and all the owners of the loan. I have requested the copy of my application but never got a response. I requested a down payment back since you can not mix cash and credit transactions. I requested a loan modification and it was denied and I was told they do not do loan modifications. I asked was the note traded for a security and never got a honest response. I have sent in a POA and tender of payment and it has not been honored and the account is now about to foreclose. The company foreclosed my account without proper legal notification or jurisdiction. The company shared my information and I opted our of sharing my information. The company reported negative information to my credit report which caused me distress, my childs private school now thinks we can not pay our bills. The home owners association was notified and now the neighbors think I can not pay my bills. This is defamation. The remedy is to stop all attorney communication. The remedy is to stop foreclosure and set off account to a XXXX balance and give me title to home XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: NY

Complaint narrative:
Details of Fraudulent Transactions : The following charges are fraudulent and must be investigated : Date : XX/XX/XXXX Amount : {$1900.00} Merchant/Description : XXXX & XXXX XXXX have identified duplicate charges for the same item on my account, dated XX/XX/XXXX, and XX/XX/XXXX. This is a clear error, as the item in question was delivered to me only once. Upon requesting documentation to substantiate the second charge, I was provided with records containing a signature that does not match mine. I do not recognize or authorize this duplicate charge, and I am requesting a thorough investigation and the removal of the erroneous charge from my account. 

They charges for item that a the time Reported the issue to XXXX XXXX XXXX XXXX  customer service on XX/XX/XXXX. 
Verified that my signature was fraudulently duplicated and added to the documentation provided for the entity as a constant of prof.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: NY

Complaint narrative:
Details of Fraudulent Transactions : The following charges are fraudulent and must be investigated : Date : XX/XX/XXXX Amount : {$1900.00} Merchant/Description : XXXXXXXX XXXX XXXXXXXX XXXX have identified duplicate charges for the same item on my account, dated XX/XX/XXXX, and XX/XX/XXXX. This is a clear error, as the item in question was delivered to me only once. Upon requesting documentation to substantiate the second charge, I was provided with records containing a signature that does not match mine. I do not recognize or authorize this duplicate charge, and I am requesting a thorough investigation and the removal of the erroneous charge from my account. 

They charges for item that a the time Reported the issue to XXXX XXXX XXXXXXXX XXXX customer service on XX/XX/XXXX. 
Verified that my signature was fraudulently duplicated and added to the documentation provided for the entity as a constant of prof.

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 2025-01-03 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: CA

Complaint narrative:
Hi my name is XXXX XXXX. I was checking carefully my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiry on my credit report.Please dispute and remove listed fraudulent inquiry from my credit report XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: IL

Complaint narrative:
I am not aware of any such inquiries, thus it looks that this one is unauthorized and false. Please act right now to resolve this problem.

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 2025-01-03 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.

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-01-03 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 2025-01-03 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:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

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

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

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"

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 2025-01-03 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: MO

Complaint narrative:
I am filing this formal complaint to report violations of the Fair Credit Reporting Act ( FCRA ), codified under 15 U.S.C., by XXXX, XXXX, and Equifax regarding the inaccurate reporting of a bankruptcy on my credit report. Despite my disputes over the past year, these credit reporting agencies ( CRAs ) continue to unlawfully report this bankruptcy, falsely stating it has been verified by the furnishers U.S. Bankruptcy Court XXXX XXXX XXXX and XXXX. I have a letter from the U.S. Bankruptcy Court XXXX XXXX XXXX confirming they do not report bankruptcy information to any CRAs, including XXXX, XXXX, and Equifax. Also, I have a letter from XXXX confirming that the bankruptcy has been deleted from their records. These are the violations under the FCRA : 15 U.S.C. 1681e ( b ) : CRAs must follow reasonable procedures to assure maximum possible accuracy of the information in consumer reports. The CRAs have failed to ensure the accuracy of the bankruptcy information reported and relied on unverifiable sources.15 U.S.C . 1681i ( a ) ( 1 ) ( A ) : Upon receiving a dispute, CRAs are required to conduct a reasonable reinvestigation to determine the accuracy of the disputed information. The CRAs failed to perform a reasonable reinvestigation, as evidenced by their reliance on false verification. 15 U.S.C. 1681s-2 ( b ) : Information furnishers are obligated to conduct a reasonable investigation when a dispute is forwarded by a CRA. XXXX has already deleted the bankruptcy, indicating the information being reported is inaccurate. The CRAs refusal to correct this inaccurate information has caused significant harm to my creditworthiness, emotional well-being, and financial opportunities. On XX/XX/year>, I filed a CFPB complaint, and the CRAs falsely claimed the bankruptcy information was accurate and verified. Also, on XX/XX/year>, I filed a CFPB complaint with XXXX and they have deleted the bankruptcy from their records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: MO

Complaint narrative:
I am filing this formal complaint to report violations of the Fair Credit Reporting Act ( FCRA ), codified under 15 U.S.C., by XXXX, Experian, and XXXX regarding the inaccurate reporting of a bankruptcy on my credit report. Despite my disputes over the past year, these credit reporting agencies ( CRAs ) continue to unlawfully report this bankruptcy, falsely stating it has been verified by the furnishers U.S. Bankruptcy Court XXXX XXXX XXXX and XXXX. I have a letter from the U.S. Bankruptcy Court XXXX XXXX XXXX confirming they do not report bankruptcy information to any CRAs, including XXXX, Experian, and XXXX. Also, I have a letter from XXXX confirming that the bankruptcy has been deleted from their records. These are the violations under the FCRA : 15 U.S.C. 1681e ( b ) : CRAs must follow reasonable procedures to assure maximum possible accuracy of the information in consumer reports. The CRAs have failed to ensure the accuracy of the bankruptcy information reported and relied on unverifiable sources.15 U.S.C . 1681i ( a ) ( 1 ) ( A ) : Upon receiving a dispute, CRAs are required to conduct a reasonable reinvestigation to determine the accuracy of the disputed information. The CRAs failed to perform a reasonable reinvestigation, as evidenced by their reliance on false verification. 15 U.S.C. 1681s-2 ( b ) : Information furnishers are obligated to conduct a reasonable investigation when a dispute is forwarded by a CRA. XXXX has already deleted the bankruptcy, indicating the information being reported is inaccurate. The CRAs refusal to correct this inaccurate information has caused significant harm to my creditworthiness, emotional well-being, and financial opportunities. On XX/XX/year>, I filed a CFPB complaint, and the CRAs falsely claimed the bankruptcy information was accurate and verified. Also, on XX/XX/year>, I filed a CFPB complaint with XXXX and they have deleted the bankruptcy from their records.

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 2025-01-03 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: FL

Complaint narrative:
I just finished paid the full amount on my car loan, unfortunately the last payment I went to their website and select the balance that they provide and made the payment. Later, I discovered that the amount was short by {$1.00} and they report this as a late payment into my credit report. I called them to explain them it was their fault because the system gave me the incorrect amount in their website. I select the amount they provide me and now they don't want to take out the late payment in my credit report which is unfair.

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 2025-01-03 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: NJ

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2025-01-03 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: NJ

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 non-monetary relief
Consumer complaint received 2025-01-03 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: NJ

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Pool company charged me {$1500.00}. It was paid because the company was charging a late fee two weeks after sending the invoice. I contacted the owner as he stated he would remedy the situation. Instead the owner never remedied the situation. The pool services were not referred and I filed a dispute after not hearing back from the owner. Supervisor stopped by and said the owner had XXXX and will contact me back. They did not return the funds and the bank denied my dispute citing they were unable to get the money back from the merchant. The bank did not do a second review although I submitted documentation and also let the reps know I had recorded phone call and other videos for documentation that I was unable to upload due to size. I have not received the letter of denial and was advised to file a complaint here before filing a legal case.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: NJ

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 2025-01-03 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: OK

Complaint narrative:
In reviewing my credit report I discovered several collection accounts. I then contacted those companies and requested copies of all records and documentation including but not limited to their right to collect which would require a copy of their purchase contract with the original creditor or the assignment of the debt to them. If they do not provide authentication and documentation that shows that they purchased the account ( s ), what they paid for it and that they have a lawful right to collect the item ( s ) MUST BE DELETED AND REMOVED from the report. Federal requires this under 15 USC 1692g, 1692c, and 1681e ( b ). 
The collections are : XXXX XXXX XXXX {$7600.00} XXXX XXXX  {$1800.00} XXXX XXXX  {$37000.00} XXXX XXXX  {$18000.00} XXXX XXXX  {$370.00} XXXX XXXX  {$1500.00} XXXX XXXX  {$1400.00} XXXX XXXX  {$720.00} XXXX XXXX XXXX {$3300.00}

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 2025-01-03 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: OK

Complaint narrative:
In reviewing my credit report I discovered several collection accounts. I then contacted those companies and requested copies of all records and documentation including but not limited to their right to collect which would require a copy of their purchase contract with the original creditor or the assignment of the debt to them. If they do not provide authentication and documentation that shows that they purchased the account ( s ), what they paid for it and that they have a lawful right to collect the item ( s ) MUST BE DELETED AND REMOVED from the report. Federal requires this under 15 USC 1692g, 1692c, and 1681e ( b ). 
The collections are : XXXX XXXX XXXX {$7600.00} XXXX XXXX  {$1800.00} XXXXXXXX XXXX {$37000.00} XXXX XXXX  {$18000.00} XXXX XXXX  {$370.00} XXXX XXXX  {$1500.00} XXXX XXXX  {$1400.00} XXXX XXXX {$720.00} XXXX XXXX XXXX {$3300.00}

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