vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-07 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: IL

Complaint narrative:
To Whom It May Concern : I am writing to update / correct my personal information on file with your company. Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is:XXXX My only and correct date of birth is : XX/XX/year> I do not wish to have any telephone numbers on my report. Below are the negative account/accounts XXXX  XXXX XXXX {$9400.00} XXXX XXXX XXXX XXXXXXXX {$1400.00} XXXX XXXX XXXX XXXX XXXX {$1900.00} XXXX  XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$1500.00} XXXX & XXXX XXXX {$260.00} XXXX XXXX XXXXXXXX XXXX {$170.00} XXXX XXXX XXXX XXXX {$1600.00} XXXXXXXX XXXX XXXX XXXX {$2300.00}

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 2025-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
I have two credit cards with Capital One I was involved in a car accident in which I substained a severe concussion in which I am in a concussion Center. I followed up with Capital One and advised them of my situation and advised to be set up on auto payment to pay off my credit cards One credit card when I first received it was a {$300.00} balance the other was a {$500.00} card consistent payment have been made with the {$300.00} balance card however I was charged in extreme amount in which I paid the company {$420.00} with payments still owed of XXXX way more than what I even borrowed the representative that advised they set both cards on auto payment did not set the second one up in which the card for {$500.00} plus interest increase to me having to pay over {$700.00} for this card I have paid XXXX to get this balance down but was blindsided by the company that tacked on additional interest and fees. I find it really disheartening that when you call the company and advise of your situation you're being told that things are set up and they weren't leaving you in debt and if I haven't called today they would have charged off the account as I was assuming it was being taken out as my other card has been charged and paid on going. I was told on Monday by a customer service representative that if I paid {$230.00} the {$500.00} card would not be charged off however when I did call today I was advised if I paid them {$230.00} it would still be charged off as a single mother with multiple issues and a brain injury from a car accident I should not have to worry about if my credit cards are being paid for when I requested for it to be set on auto payment I'm unsure how one card was on auto payment with the same XXXX  debit card and not for the other. I spoke with a manager and he advised basically there was nothing he could do so now I'm left with a mountain of debt that technically has been paid but I'm being overcharged for interest and late fees that were of no fault to my own but from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: AZ

Complaint narrative:
Subject : Formal Dispute of Inaccurate Late Payment Reporting Request for Removal Dear [ Credit Bureau Name ] Dispute Department, I am writing to formally dispute the inaccurate late payment notations on my credit report for my XXXX XXXX  XXXX  account for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These late payments were reported in error, and I am requesting their immediate removal from my credit report under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq.

Basis for Dispute 1. Violation of FCRA 1681s-2 ( a ) Duty of Furnishers to Report Accurate Information Throughout the disputed period, I was in continuous communication with a XXXX XXXX  XXXX representative XXXX who assured me that I would not be subjected to late charges or negative reporting as long as I continued making payments. 
I made partial payments during this time and have since brought my account completely current.

2. Violation of FCRA 1681e ( b ) Obligation to Ensure Maximum Accuracy Despite verbal assurances from XXXX XXXX XXXX, the account was incorrectly reported as late, causing a severe drop in my XXXX XXXX from XXXX to the XXXX. 
This inaccuracy does not reflect my actual payment history and must be corrected.

3. Violation of FCRA 1681i My Right to Dispute Inaccurate Information I am formally disputing these late payments as they are misleading and unfairly damaging my credit profile.

As a consumer, I have the right to ensure that only accurate and verifiable information appears on my credit file.

Requested Resolution I formally request the following actions : 1. A thorough reinvestigation and immediate removal of the late payment entries for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX from my credit file. 

2. Notification to XXXX XXXX XXXX that these late payments have been disputed and must be corrected. 

3. A written response confirming the updated status of my credit report. 

As required by law, you have 30 days to complete this reinvestigation. If these inaccuracies are not corrected, I will escalate my dispute by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals Office. Additionally, I reserve the right to pursue legal remedies under FCRA 1681n and 1681o for damages caused by this inaccurate reporting.

Please send confirmation of the removal to my address above. Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 non-monetary relief
Consumer complaint received 2025-03-07 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: TN

Complaint narrative:
I am writing to request the removal of inaccurate reporting by the credit reporting agencies regarding XXXX XXXX. I do not know owing them any amount. Furthermore, there are several discrepancies in the reported information between TransUnion and Equifax - TransUnion reports a monthly payment of {$0.00}, whereas Equifax shows {$540.00}. 
- The date opened has a XXXX difference. 
- The balance reported has a {$9800.00} difference. 
- The number of months reported has a XXXX difference. 
- The past due amount has a {$1500.00} difference. 
- The last date reported has a XXXX difference. 
- The last date active has a XXXX difference. 
- There is also a discrepancy in the last date of payment. 

Thank you for your prompt attention to this matter.

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 2025-03-07 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: MO

Complaint narrative:
I am a victim of Identity Theft. Ive received my report and found names, addresses, accounts, and employers listed that I do Not recognize and does Not belong to me. Please remove immediately. Thank you. 
Names : XXXX XXXX XXXX, XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX  XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX MO XXXX Employers : 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 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: PA

Complaint narrative:
I received a threatening email from Mohela regarding an approaching important date. 

The language of the email was vague so I immediately called and emailed to notify that I made weekly EFT how can I be behind {$640.00} The second and third email stated I was behind on payments despite making weekly EFT payments. Initially, I dismissed this as Mohela being behind and in allocating my payments to to my account since the recent transaction from XXXX. 

Despite formally disputing the balance and payment history Mohela reported I was 60 days late. My credit score dropped XXXX points and the mortgage pre approval I had in hopes of moving was no longer a possibility. 

On three separate occasions, I mailed proof of timely payments from my bank to each credit reporting agency yet the accurate payment information was not updated l. 
Resulting in long term devastating consequences to my ability to secure fair loan terms. No organization should have such power additionally, it should not be so difficult to update inaccurate payment information on the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-07 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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 XXXXXX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-03-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Incorrect information on your report — Account status incorrect
Company: EGL US, LLC
State: SC

Complaint narrative:
This company has reported once that I was late on payments and has yet reported a few days ago that I was late for 30 day from XX/XX/XXXX to XX/XX/XXXX and I was never late between those months and my credit went down XXXX points because of it, I callled them & they are saying it reported it again because I was late last year and that it's going to keep reporting I'm late because of past due amounts which isn't right because as of now I'm on time with payments, last year I wasn't getting that many hours at my job so I wasn't on time but as of now I'm on time with payments, times are already hard and I don't need my credit going down for something it shouldn't be going down for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: NC

Complaint narrative:
Experian will not remove the XXXX  XXXX  account from my credit report. on or around XX/XX/2025 I uploaded the necessary documents, I.e a valid ftc report, a valid police report, a copy of my drivers license and social security card. and a bill showing my address and other information. I uploaded these documents to their document upload portal. I keep calling but I wind up waiting hours and hours at a time to speak to someone and I wind up not getting my request granted.

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 2025-03-07 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: Mr. Cooper Group Inc.
State: UT

Complaint narrative:
Incessant harassment from Mr. Cooper loans. Our mortgage payment is due on the XXXX of the month, but is not late until the XXXX of the month. We have never been late, but beginning on the second of each month, I get multiple robo calls per day about " avoiding late fees '' and paying by phone. There is never anyone to talk to and no option to reach a human being. There is no option to reach a human being if I call the company. 

I want the phone calls to stop UNTIL OR UNLESS I AM ACTUALLY LATE. This company needs to leave me alone - I am abiding by all my committments and do not want to be the subject of this constant harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: AL

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 15 USC 1681b 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 ( 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. ''

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 2025-03-07 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: TX

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

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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: FL

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living 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 2025-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mary Jane M. Elliott, P.C. Attorneys At Law
State: MI

Complaint narrative:
My checks are being garnish by a debt collector. I have never received anything in the mail for a court date. I have no knowledge of the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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: FL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Since I am not aware of any similar inquiries, it appears that this one is unauthorized and fraudulent. Please take immediate action to resolve this issue.

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 2025-03-07 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: LA

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 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 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
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 non-monetary relief
Consumer complaint received 2025-03-07 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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of this. I'm gon na go to court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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:
My accounts were always on time! Specially with XXXX XXXX, I had a wonderful payment history, and every payment was set up on autopay. They processed the transaction incorrectly on their end, which is why this late payment is being reported. 

I demand the late payment reported to be removed/updated.

Company response to consumer: Closed with explanation