vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-05 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: FL

Complaint narrative:
After thoroughly reviewing my TransUnion credit report, I was alarmed to discover multiple errors that should never have been there. These are not minor mistakes ; they are actively damaging my financial reputation and creating unnecessary obstacles. I will not allow misinformation to dictate my creditworthiness and demand an immediate and thorough investigation. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. If these disputed items can not be substantiated with solid evidence, they must be removed immediately. This is not a mere requestit is a demand for compliance with federal law, and I expect a prompt resolution. 

Company Name : XXXX  XXXX  - Account # : XXXX - Balance : {$210.00} Company Name : XXXX XXXX - Account # : XXXX - Balance : {$630.00}

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 2025-03-05 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: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
i am a victim of the recent, data breach please remove and block these accounts due to the recent data breach

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
A dispute was filed with Equifax well over a month ago to investigate debt that is being reported on my credit reports. This debt has been reported on my credit reports inaccurately on top of the fact that Equifax is well over the investigation timeframe for a dispute. Please have Equifax remove the account listed as XXXX XXXX from my profile as the information being reported is completely inaccurate. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TD BANK US HOLDING COMPANY
State: DC

Complaint narrative:
All of these were inquiries made on my credit report without my permission. I am XXXX and have been for the past 6 years and I believe someone has taken advantage of my credit. Please remove all these 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 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
All of these were inquiries made on my credit report without my permission. I am XXXX and have been for the past 6 years and I believe someone has taken advantage of my credit. Please remove all these 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 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This letter serves as my final attempt to resolve this matter before I initiate legal action against your agency for violations of the Fair Credit Reporting Act ( 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 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This letter serves as my final attempt to resolve this matter before I initiate legal action against your agency for violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Upon reviewing my recent credit report, I discovered multiple errors and discrepancies in the information reported by your agency. These inaccuracies are highly concerning, as they negatively impact my creditworthiness and may result in an unjust denial of future credit opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Upon reviewing my recent credit report, I discovered multiple errors and discrepancies in the information reported by your agency. These inaccuracies are highly concerning, as they negatively impact my creditworthiness and may result in an unjust denial of future credit opportunities.

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 2025-03-05 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:
This report is being submitted due to incorrect information appearing on my credit report. Equifax verified that a system error caused my personal details to be exposed and used fraudulently. I have been denied credit as a result, and I am requesting that this issue be corrected within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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: DE

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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 2025-03-05 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: IN

Complaint narrative:
Equifax has not provide a updated credit report, unable to dispute online, and placing late payments on closed accounts without verify payment method and contract.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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:
My Experian credit report contains inaccuracies that should have never been reported, and I find this completely unacceptable. These errors raise serious concerns about the reliability of your reporting process. The presence of such incorrect information is negatively impacting my financial stability, and I will not stand by while these mistakes go unaddressed. 

As a consumer, I have a legal right to a credit report free from false or unverifiable data. The FCRA mandates that all reported information be accurate, and any errors must be corrected immediately. I demand a full investigation and immediate corrective action. Any delay in resolving these issues will not be tolerated. 

Company Name : XXXX XXXX  - Account # : XXXX - Balance : {$210.00} Company Name : XXXX XXXX - Account # : XXXX - Balance : {$630.00} Company Name : XXXXXXXX XXXX - Account # : XXXX - Balance : {$910.00}

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
Consumer complaint received 2025-03-05 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 ACCEPTANCE CORPORATION
State: MO

Complaint narrative:
This complaint has been filed with the Consumer Financial Protection Bureau ( CFPB ) to request that XXXX, XXXX and XXXX the credit reporting agency, block fraudulent information from my credit report as required by FCRA 605B ( 15 U.S.C. 1681c-2 ) within 4 business days of receiving this complaint. The fraudulent items in question include a personal credit card account opened with XXXX XXXX opened XX/XX/XXXX, an auto loan account opened with Credit Acceptance on XXXX  XX/XX/XXXX, An Auto loan account opened with XXXX XXXX  XX/XX/XXXX, and a Credit card account with self-opened XX/XX/XXXX, related to the aforementioned loan. These fraudulent accounts have caused multiple hard inquiries and collections to appear on my credit report. I do not recognize any of these accounts, collections, or inquiries, as they were not opened or authorized by me. All of these entries are the result of identity theft and fraud. Attached are copies of the hard inquiries, my XXXX credit report showing the fraudulent items, and the FTC Identity Theft Criminal Complaint, which verifies that these actions are a result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: MI

Complaint narrative:
XX/XX/XXXX called Nelnet to ask why my payments havent been being made. They said I was on a Covid forbearance. I asked for the total amount so I could pay off the loan in entirety. 

XX/XX/XXXX got an email from Nelnet telling me I have a payment due in XXXX. I access my Nelnet account and it said I made my entire payment in XXXX so it should be paid off. 

I called and they said the payment was returned, and so were all payment since XX/XX/XXXX. 

I was NEVER notified that my payments were being returned. 

Nelnet told me I must have the wrong checking account information entered in the system. I had them show me how to check while on the phone. The checking account info is censored so you can not see it. She said there was no way of seeing what information was in there. The online Nelnet account showed a green check mark saying they knew who my credit union was. She said there is no way of knowing what the account number is. 

I asked why Nelnet did not notify me that my payments were being returned. She said they sent out one letter or email ( she couldnt tel me which ) in XXXX of XXXX. I did not receive a letter nor an email otherwise I would have called and found another way to pay. My goal was to NOT accrue interest. Instead I did accrue a lot of interest. The Nelnet Representative said there is ZERO way to appeal to get my interest returned. 

How is this fair? They can charge me interest and return my payment without notifying me for months? I did NOT get a letter nor an email. How do I know they actually sent one? I have all other nelnet emails still in my inbox. So a loan company can CLAIM they notified me, but what if they made a mistake? How convenientI get to pay hundreds in interest! 

This reminds me of the XXXX XXXX scandal where they were inappropriately causing customers to gain fees and interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: PLANET HOME LENDING, LLC
State: LA

Complaint narrative:
So my husband and I bought our home in XXXX XXXX. We were recently informed by a bankruptcy attorney that our home was sold. It was after we sent in budget letters to XXXX letting them know our budget. I lost my job in XXXX. My husband lost his job due to health issues around XXXX last year. We are just getting back on our feet in XX/XX/XXXX. We called to try and get assistance with catching up on our mortgage and they ( Planet Home Lending ) that there was nothing they could do. I was told that our home was sold in an auction on XX/XX/XXXX. We were never served with any legal documentation to our home letting us know that it was up for auction. Someone jumped the gun and sold our home. We called and they talked to us like we were squatters telling us that we will need to find another place to move us and our XXXX young kids. How is this possible? We did not even get a chance to exercise any of our homeowner rights even if we thought we were in danger of foreclosure, we did not get the option to get help before they sold it. It was bought back by Planet Home Lending in a sheriff auction sale. No one would tell us this information. We had to get it from the bankruptcy attorney who told us they could no longer help us because the house was sold. This has to be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: TX

Complaint narrative:
Im frustrated to find that my report contains errors that are unfairly dragging down my scores. These mistakes have already led to unnecessary challenges that I shouldnt have to deal with.

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 2025-03-05 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: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Ive contacted XXXX XXXX  directly Ive also filed multiple disputes with credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: MO

Complaint narrative:
XXXXormal Dispute of Inaccurate Reporting XXXX XXXX  Account To Whom It May Concern, I am writing to formally dispute the reporting of XXXX XXXX  account Account XXXX XXXX on my credit report. Upon reviewing my report, I found inaccurate and inconsistent payment reporting that violates my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ). 

Legal Basis for Dispute FCRA 611 ( 15 U.S.C. 1681i ) Right to Dispute Inaccuracies I request an immediate reinvestigation of this account. 
If XXXX XXXX  can not provide verifiable proof of accurate reporting, this item must be deleted from my report. 
FCRA 609 ( 15 U.S.C. 1681g ) Right to Verification I demand the following documents : A complete payment history with dates and amounts. 
Original creditor agreements proving I am liable for this debt. 
Documentation justifying the reported late payments. 
FCRA 623 ( 15 U.S.C. 1681s-2 ) Duty of Furnishers to Report Accurate Information XXXX XXXX  is legally required to ensure the accuracy of the information reported to credit bureaus. 
If they can not validate these late payments with proper documentation, they must remove them immediately. 
FDCPA 807 ( 15 U.S.C. 1692e ) Prohibition of False or Misleading Representations If this account is reported inaccurately or misleadingly, it may be a violation of federal law, subjecting the furnisher to legal consequences.

Requested Action Correct or remove any inaccurate late payment history. 
Provide a full verification of the accounts reporting accuracy. 
Respond within 30 days as required under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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: MO

Complaint narrative:
XXXXormal Dispute of Inaccurate Reporting XXXX XXXX  Account To Whom It May Concern, I am writing to formally dispute the reporting of XXXX XXXX  account Account XXXX XXXX on my credit report. Upon reviewing my report, I found inaccurate and inconsistent payment reporting that violates my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ). 

Legal Basis for Dispute FCRA 611 ( 15 U.S.C. 1681i ) Right to Dispute Inaccuracies I request an immediate reinvestigation of this account. 
If XXXX XXXX  can not provide verifiable proof of accurate reporting, this item must be deleted from my report. 
FCRA 609 ( 15 U.S.C. 1681g ) Right to Verification I demand the following documents : A complete payment history with dates and amounts. 
Original creditor agreements proving I am liable for this debt. 
Documentation justifying the reported late payments. 
FCRA 623 ( 15 U.S.C. 1681s-2 ) Duty of Furnishers to Report Accurate Information XXXX XXXX  is legally required to ensure the accuracy of the information reported to credit bureaus. 
If they can not validate these late payments with proper documentation, they must remove them immediately. 
FDCPA 807 ( 15 U.S.C. 1692e ) Prohibition of False or Misleading Representations If this account is reported inaccurately or misleadingly, it may be a violation of federal law, subjecting the furnisher to legal consequences.

Requested Action Correct or remove any inaccurate late payment history. 
Provide a full verification of the accounts reporting accuracy. 
Respond within 30 days as required under the FCRA.

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 2025-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
XXXX year old default judgment should be in my name not XXXX XXXX whom is my mother 's name, but my name XXXX XXXX was removed in XXXX or XXXX for an unknown reason. I was never served by anyone nor was my mother, we both lived at the same address at the time a processor claims he served papers to my Mom but I couldn't be found. We live at this same address for 40 years. My parents are XXXX and XXXX living on social security and veterans XXXX. My Mom received these letters with no court stamp or signature from a judge. 
When I go to this court case online it is closed and has a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: MA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation