vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-14 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:
Re : Dispute of Inaccurate Reporting Account # XXXX I am writing to formally request the removal of the mortgage account listed under XXXXXXXX XXXX XXXXXXXX* from my credit report. Despite multiple disputes submitted to address inaccuracies in the reporting, I have received no resolution or adequate documentation to support the claims being made about this account. Instead, the account continues to be updated inaccurately without proof, which is in violation of the Fair Credit Reporting Act ( FCRA ). 

The specific inaccuracies I have identified include : 1. **Payment Status : ** - TransUnion XXXX XXXX, and XXXX report the account as **60 days past due**, which is false as I have consistently made payments on time.

2. **Payment History : ** - There are inconsistencies in the " OK '' status reflected in the history versus the claim of delinquency.

3. **Balance and Past Due Amount : ** - The reported balance of {$440000.00} and a past-due amount of {$8500.00} are unsupported by any valid documentation. 

I have disputed this account several times and provided all necessary documentation to prove its inaccuracies, yet there has been no valid response from XXXXXXXX XXXXXXXX XXXXXXXX or the credit bureaus. Furthermore, the continued updates to this account without evidence or resolution show a failure to conduct a proper reinvestigation as required under **15 U.S.C. 1681i**.

I am requesting the following actions be taken immediately : 1.
Remove the account from all three credit bureau reports ( TransUnion, XXXX, and XXXX ) due to failure to validate its accuracy. 
XXXX. Provide detailed documentation, including payment records and verification from XXXXXXXX XXXX XXXXXXXX, to support the claims being made, if you believe the reporting is accurate. 

Failure to respond within 30 days will leave me no choice but to escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies for non-compliance with the FCRA. 

I expect a prompt resolution and request all correspondence and documentation be sent to me at the address listed above. 

Thank you for your 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 2025-01-14 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: TX

Complaint narrative:
Re : Dispute of Inaccurate Reporting Account # XXXX I am writing to formally request the removal of the mortgage account listed under XXXXXXXX XXXX XXXXXXXX from my credit report. Despite multiple disputes submitted to address inaccuracies in the reporting, I have received no resolution or adequate documentation to support the claims being made about this account. Instead, the account continues to be updated inaccurately without proof, which is in violation of the Fair Credit Reporting Act ( FCRA ).

The specific inaccuracies I have identified include : 1. **Payment Status : ** - XXXX XXXX XXXX, and Equifax report the account as XXXX days past XXXX, which is false as I have consistently made payments on time. 
XXXX. **Payment History : ** - There are inconsistencies in the " OK '' status reflected in the history versus the claim of delinquency. 
XXXX. XXXX and XXXX XXXX XXXX : ** - The reported balance of {$440000.00} and a past-due amount of {$8500.00} are unsupported by any valid documentation. 

I have disputed this account several times and provided all necessary documentation to prove its inaccuracies, yet there has been no valid response from XXXXXXXX XXXX XXXXXXXX or the credit bureaus. Furthermore, the continued updates to this account without evidence or resolution show a failure to conduct a proper reinvestigation as required under XXXX15 U.S.C. 1681i**.

I am requesting the following actions be taken immediately : 1. Remove the account from all three credit bureau reports ( XXXX, XXXX, and Equifax ) due to failure to validate its accuracy. 
2. Provide detailed documentation, including payment records and verification from XXXXXXXX XXXX XXXX, to support the claims being made, if you believe the reporting is accurate. 

Failure to respond within 30 days will leave me no choice but to escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies for non-compliance with the FCRA. 

I expect a prompt resolution and request all correspondence and documentation be sent to me at the address listed above. 

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My data was breached All the collections and closed accounts are not mine under FCRA 15 USC 1681 i demand that these accounts be deleted

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 2025-01-14 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: FC HoldCo LLC
State: AL

Complaint narrative:
I call each company that was an inquiry on my report I did not recognize. 

Each one could not verify. I call each creditor, XXXX, XXXX and XXXX XXXX. They told me that since the inquiry did not amount to anything that the company has to remove it. So i call each one again, and ask to verify, they could not verify and told me there's nothing they can do. 

My information is also leaked on the dark web, When I file bankruptcy I notice alot of pings on my credit report that someone was trying to apply for a loan using my information. My bankruptcy was discharged in XXXX. I notice alot more when I got my car and I applied for a credit card with XXXX. I called each credit bureaus and told them of the fraudulent inquiries and they told me that there is nothing they can do. At the time I had a fraud risk on my account. I have been battling this for almost 2 years now.

There should be only 4 inquiries on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I was an equal part owner of a business with my partner, we opened a joint credit card account. The agent that opened the account, made me the primary owner and my partner only a member under the account when should have been equally part owners. My partner then mishandled the credit card and was unable to pay and made the account delinquent and it was eventually closed. When opening on the account with Chase Bank, the representative, XXXX XXXX, she stated that we will never be personally liable, and it can not affect our personal credit scores. If something were to happen it would only affect us if we chose to open up another credit line in the future under the Business name. Now I see that my credit score has dropped significantly because chase reported the account delinquent and that I owe the full balance, even though I never made one charge, and they are not going after the other party solely or just putting the debt under the business. I spoke to a representative at Chase bank over the phone and informed her of what the agent told me prior, that this would never affect my personal credit score, and this is a mistake, she said that is possible but never gave me any resolutions to investigate it further. I would like this debt permanently removed from all credit bureaus and chase to go after either the business or the person responsible, because I was misled by their agent when opening the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: AL

Complaint narrative:
I recently reviewed a copy of my Equifax consumer report that listed a balance with XXXX XXXX. This information is not correct because this debt has been officially canceled per IRS acceptance. This account should reflect as paid in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: CO

Complaint narrative:
RE : Nelnet and Department of Education SAVE plan The SAVE student loan program is STILL full of errors and shenanigans. I just reached the 20 year forgiveness mark. Now, at year 20 and 1 month, I'm shown a recount of 12 more calendar months. I didn't consent to being put into another year of deferment, this was done automatically by Biden admin in response to a federal court ruling. 

This constant moving of goalposts, rule changes, litigation, and website errors seems intentional. 

I believe everything done by Nelnet is meant to harass borrowers. Their government servicer contract needs to be pulled, they are wasting everyone 's time and raking in bailouts. 

Further, Nelnet 's website won't load. The scroll bar is not scrolling so I can not see the current info. I can not click through this year 's tax forms, and the chat bot is a functionally useless piece of AI slop.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: TN

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-01-14 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: CA

Complaint narrative:
I noticed a collection account that was showing up on my credit report last year and i disputed it with the bureaus and it didnt come of. This account is clearly identity theft. please help me remove it

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 2025-01-14 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: NC

Complaint narrative:
I contacted all three major credit bureaus ( Experian, XXXX and XXXX ) and requested a complete validation of supposed debt by investigating, the original contract with original creditor with my signature on it, age of the debt, an itemized statement of what is owed, name and address of original creditor, proof of debt assignment and evidence that I am legally responsible for the debt. When disputed the results from Experian and XXXX were complete without correct within 24 hours unchanged. XXXX did update by removing this supposed debt from my XXXX credit file. The other companies involved are : XXXX XXXX XXXX and I have reached out to them requesting Validation of the debt, including the original contract with original creditor with my signature on it, age of the debt, an itemized statement of what is owed, name and address of original creditor, proof of debt assignment and evidence that I am legally responsible for the debt. I never received this information. I contacted them to be told all they have is an invoice to send me and that proves I owe it. My letter also stated that If their office fails to respond to the VALDATION request within 30 days from the date of mailing, all references to this account must be deleted and completely removed from my credit file and a copy of deletion request sent to me immediately. They again continued to list this unvalidated debt on my credit file and again just sent me an invoice.

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 2025-01-14 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: DISCOVER BANK
State: FL

Complaint narrative:
XX/XX/scrub>XXXX DISCOVERBANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Notice of Violation of the Fair Debt Collection Practices Act Dear DISCOVERBANK, I am writing to formally notify you that your attempts to collect on the alleged debt referenced above are in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 16921692p. If you are not aware this entire claim is regulated by an arbitration agreement with *insert original creditor*, which clearly stipulates that any dispute must be resolved through arbitration due to the binding agreement. To date there has been no arbitration proceedings. As a direct result of that this is considered a material breach of the arbitration terms listed in the original agreement acknowledged by all involved parties. I confidently assert that you have no right to collect on this alleged debt. 

I am writing this as I humbly seek to have this discrepancy resolved both promptly and amicably. 

With that, my demands are as follows : 1. You must promptly notify any credit reporting agency to remove all information and/or tradelines associated with this account. I request a written confirmation of that communication to be sent to the address you have on file ; 2. A settlement agreement that I may retain for my records.

3. Monetary compensation in the amount of {$1000.00}.

While I do not desire or anticipate that your negligence may force me to purse further legal action, that option will be explored. In the event that needs to happen, you are subject to a significant increase in demands to cover damages, attorney fees, and more. I am sure a company of your caliber does not look to unreasonably be exposed to those routes. 

Thank you for your immediate attention to this matter. We look forward to resolving this issue promptly. 

Sincerely, XXXX XXXX Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I discovered ( 4 ) hard credit inquiries on my experian account for opening new lines of credit, all of which I personally did not inquire about myself. I believe my social security number was used and an incorrect address lead to denials. The credit inquires are as below, the dates are the ones listed on the mailed notices I received : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wells Fargo I called XXXX XXXX  who reported they did not have any inquiries matching my name or social, although I have a hard copy of the denial letter from the bank. I called XXXX XXXX and they dropped my call. I have a credit freeze placed by XXXX, but need to dispute the several hard inquiries to my credit which I did not make.

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 2025-01-14 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: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I discovered ( 4 ) hard credit inquiries on my experian account for opening new lines of credit, all of which I personally did not inquire about myself. I believe my social security number was used and an incorrect address lead to denials. The credit inquires are as below, the dates are the ones listed on the mailed notices I received : XX/XX/scrub>XXXX XXXX  TD Retail Card Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX called XXXX XXXX who reported they did not have any inquiries matching my name or social, although I have a hard copy of the denial letter from the bank. I called TD bank and they dropped my call. I have a credit freeze placed by XXXX, but need to dispute the several hard inquiries to my credit which I did not make.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: AL

Complaint narrative:
I got a letter in the mail from XXXX Bank XXXXShellpoint about my escrow shortage of {$1200.00}, in XXXX. The letter stated my mortgage payment would go up if I didn't make a payment for the escrow shortage. I made a payment of {$1000.00} online to my escrow account at the end of XXXX. When I got my XXXX statement, I called them, because my payment was not applied. When I spoke to the agent, she said she would enter a request to complete an analysis and the new payment would go into effect on XXXX XXXX. She said she wasn't sure why it had not been applied. I waited a couple of weeks since I received zero communication online or through email. When I called the agent said they could not perform once because I did not pay the full amount of {$1200.00}, and she was not sure why. I then requested a refund of {$1000.00} that I paid towards the shortage, since the money was just sitting in the escrow account. The agent requested my banking information and I gave her the account info, to process the refund, through ACH. I gave it another month and called again in XXXX, since I never received the ACH and zero communication. The agent said my refund was not processed and she would get to the bottom of this. She said they have to do an analysis and she had never heard of them doing this. She told me a resolution date of XX/XX/year> for this. So I call back today and the agent said I should have paid the full amount and that I would have to file a complaint on the portal. I originally made a complaint on the portal, when I had this issue in XXXX. I never seen an email, phone call, or account update, on this matter. All I want is an escrow analysis and a revised payment. Why would the system allow me to pay {$1000.00}, if they needed the full amount of the shortage. Now they have my money sitting there and not using it, like I requested.

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 2025-01-14 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: GA

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 2025-01-14 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: GA

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 explanation
Consumer complaint received 2025-01-14 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: CBC Companies, Inc.
State: TX

Complaint narrative:
I have been been getting a bunch of inquires from different lenders and realtors. I need these inquiries removed immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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: NATIONS RELIABLE LENDING LLC
State: TX

Complaint narrative:
I have been been getting a bunch of inquires from different lenders and realtors. I need these inquiries removed immediately

Company response to consumer: Closed with explanation