vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-10 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: Valon Technologies, Inc.
State: CO

Complaint narrative:
My home sustained massive damage during a hailstorm in XXXX. At the time, my mortgage was owned by XXXX XXXX. During the process of repair, the mortgage was sold to XXXX. During that time, a check for XXXX XXXX was held by XXXX XXXX and then went missing during the transfer. In the meantime, the XXXX was wanting paid and threatened a lien on the home. Valon would not speak to us because the mortgage was " in transfer ''. XXXX XXXX would not speak to us, becuase they washed their hands of it. In the meantime, I reported the XXXX dollars as missing/stolen to XXXX, who is my homeowners insurance. They started an investigation and were able to find that the money was sent to XXXX, and was being held. Now, in XX/XX/XXXX, the claim is not complete, and Valon is refusing to release the funds, demanding that I start the entire process over, as if this is a new claim. They are insisting on an inspection, a new estimate from the general XXXX, a repairs affadavit that needs to be notarized. Each time I call, they require more documentation and more paperwork. Meanwhile, 18 months later, I have boarded up windows, and Valon is holding XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: GA

Complaint narrative:
I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this XXXX  should not be reported. Additionally, an unauthorized XXXX  party is involved, making this situation even more problematic.

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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am writing to inform you that I have recently become a victim of a XXXX XXXX  that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. XXXX XXXX has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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 2025-01-10 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: WA

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates XXXX XXXX XXXX regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( XXXX XXXXXXXX XXXX  XXXX ) says ( XXXX ) 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. ''

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 2025-01-10 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:
This DISPUTE LETTER is being submitted in light of the recent Overhaul of Consumer Records by the Credit Bureaus. I have recently paid for a copy of my credit reports, and reviewed my credit file, as is being reported with you, and noticed there are several inaccurate accounts and/or items on my report. This means that the below listed accounts were not opened by me, and that I did not profit from these accounts having been opened. 
The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 
They are being listed as follows : XXXX XXXX XXXX Acct # XXXX Amount : {$1800.00} Opened XX/XX/year> The below listed LATE PAYMENTS that are being reported within my credit report is inaccurate account information. I have never been late with my payments of these accounts. It is not clear to me how these late payments could have become merged within my credit file. Perhaps it was the result of a mixed file incident on behalf of you, the credit reporting agency or the original creditor. Whichever it is, the fact remains ... these late payments are incorrect payment history information. 
LATE PAYMENT CREDITORS ACCOUNT NUMBERS XXXX XXXX  Account Number XXXX Dates reported late and inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INOUIRIES DATE OF INQUIRY : XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: OK

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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:
A fraudulent report of a collections account was placed on my Transunion report. I have already reported this to XXXX and XXXX, but this fraudulent account was not yet reflected on my Transunion credit report. Fortunately, XXXX has already removed this from my account, but it is essential that it is removed from all credit reporting, as this is not a valid report, and it is severely impacting my credit, which is unjust. 

A collection agency called " XXXX, '' put a fraudulent claim from " Original creditor XXXX XXXX XXXX '' on my credit account. I have already confirmed with the registrar at XXXX that no debt was owed. I hold a XXXX. from XXXX XXXX, an XXXX from XXXX XXXX an XXXX. from the XXXX XXXX XXXXXXXX, and a XXXX XXXX from XXXX XXXX XXXX and I have never had an unpaid balance on my education accounts. This should provide context for my creditworthiness. I am also a XXXX XXXX XXXX XXXX XXXX XXXX  There is absolutely no way that I would have an unpaid balance for a course. Moreover, the fraudulent claim in question is only for {$120.00}, which is less than the cost of a single credit hour. As such, it does not require much inquiry to identify this as an invalid/fraudulent report. Before this randomly appeared on my credit report, I had never heard of " XXXX. '' They have not contacted me, or offered an opportunity to contest this inaccurate claim. 

This significantly impacts my ability to buy a home significantly and amounts to fraud. If this false claim is not removed from my credit report promptly, I will be taking legal action. As a XXXX XXXX XXXX ( and XXXX. ), I will also be reporting XXXX to the Department of Education for the practice of placing a fraudulent debt for collection. This action goes against the very mission of institutions of public education. I considered attending XXXX for XXXX XXXX  XXXX semester and dropped the course before the semester even began. The registrar confirmed that it was dropped, and no fee was owed. Regarding " XXXX '' this organization has no legal right to place a fraudulent debt on my account and destroy my hard-earned excellent credit in a moment. I am looking to buy a home and may have to renew my lease now because this fraudulent action incorrectly tanked my score by nearly XXXX points. This is ostensibly unjust and illegal reporting.

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 2025-01-10 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX, I received a notification from XXXX XXXX that I have a new collection. XX/XX/XXXX, I contacted XXXX XXXX, XXXX, and XXXX to file a dispute about hat collection. 

On XX/XX/XXXX, I filed a report at the precinct near my house. The police did not want to take a report despite my showing a screenshot of the event. The police suggested contacting the XXXX  ( it is a website ) to solve the problem. I never use a third-party company to apply for an apartment. 

A month later, I received a notification from XXXX and XXXX. The report is about my life ( my student loans, my credit history, whether I paid on time, etc. ). XXXX and XXXX sent the same type of report. Therefore, The police could not file a police report, so it could not be attached to the case. 

On XX/XX/XXXX, I called XXXX to determine whether my dispute was approved or denied. XXXX reported that it rejected my dispute. I asked the XXXX representative to create a fraud alert. The union representative suggested I contact you to file another report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
A year ago I used a Well Fargo credit card through XXXXXXXX XXXX XXXXXXXX the charged {$1300.00} in credit. I was told I would not be charged any interest if the amount was paid within a year. I made as many payments as I could and had balance of {$52.00} before the year ended. 
I was of the view that if I incurred any interest, it would be on the unpaid balance. 
After the year ended, I was charged the full amount of interest on the {$1300.00} of {$260.00}. 
I believe this practice is a form of predatory lending and it should be either controlled or abolished.

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 2025-01-10 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: CA

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Late Payment XXXX XXXX  XXXX - {$4700.00} XXXX XXXX  XXXX - XXXX - {$4300.00} XXXXXXXX XXXX XXXXXXXX - XXXX - {$2200.00} Personal Information Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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:
On XXXX I received notification from XXXX that a collection was added to my credit file. Upon checking it showed an account by a collection agency called XXXX XXXX XXXX The information contained in this account is not anything that I am familiar with. I have never received communication from XXXX XXXX XXXX in any manner regarding this debt, which I am confident does not belong to me. I visited the agency 's website and submitted a complaint for the unauthorized and unverified reporting according to their suggestions. I provided them with my name and current address along with all of the information reporting and even made them aware that I am a victim of identity theft. Instead of resolving the issue, XXXX XXXX XXXX proceeded to then add it to my Transunion credit report. They have completely ignored my communication to them even after being made aware that I would be filing this report. This is egregious behavior on their behalf and I need this wrong information to be removed from reporting under my identity. I have reported identity theft to XXXX, Transunion and XXXX XXXX weeks ago and they have yet to block such abusive reporting practices nor have they added a fraud alert as I requested of them. At this point I feel like the credit bureaus and collection agencies work together to suppress consumers whenever possible.

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 2025-01-10 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: Kriya Capital, LLC
State: TX

Complaint narrative:
On XXXX I received notification from XXXX that a collection was added to my credit file. Upon checking it showed an account by a collection agency called CREDENCE RESOURCE MANAGEMENT. The information contained in this account is not anything that I am familiar with. I have never received communication from CREDENCE RESOURCE MANAGEMENT in any manner regarding this debt, which I am confident does not belong to me. I visited the agency 's website and submitted a complaint for the unauthorized and unverified reporting according to their suggestions. I provided them with my name and current address along with all of the information reporting and even made them aware that I am a victim of identity theft. Instead of resolving the issue, CREDENCE RESOURCE MANAGEMENT proceeded to then add it to my XXXX credit report. They have completely ignored my communication to them even after being made aware that I would be filing this report. This is egregious behavior on their behalf and I need this wrong information to be removed from reporting under my identity. I have reported identity theft to XXXX, XXXX and XXXX XXXX weeks ago and they have yet to block such abusive reporting practices nor have they added a fraud alert as I requested of them. At this point I feel like the credit bureaus and collection agencies work together to suppress consumers whenever possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credit Karma, LLC
State: AZ

Complaint narrative:
Credit karma is reporting a collection on XXXX for me that XXXX has removed, they will not remove and say its my duty to work with XXXX but XXXX is correct. Credit Karma will not help at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have been in constant communication with Capital One regarding a pressing matter affecting my credit history. This situation involves sensitive issues related to identity theft and possibly the misuse of my personal information. Throughout this process, I have diligently documented every interaction, including a comprehensive log of emails, phone calls, and letters exchanged with Capital One representatives. 

In our discussions, we addressed the negative remarks on my credit report, including a charge-off status that I believe is unjustified. There were agreements reached during these communications, in which Capital One committed to removing all negative remarks from my credit report, including the charge-off status associated with my account. Despite these assurances, I have observed no changes being made with any of the credit reporting bureaus to reflect these corrections. 

The lack of action from Capital One, despite our documented agreements, has left me frustrated and confused, especially given the serious implications this matter has on my creditworthiness and overall financial wellbeing. I seek immediate assistance in resolving this issue so that my credit report can accurately reflect my financial situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information 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