vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-31 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: NY

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HF Holdings
State: NY

Complaint narrative:
A technical school I attended and completed a certificate program with in XXXX claims that I owe a debt for something which I never received any information in writing about. After two years of no contact, I was contacted by a debt collector ( HF Holdings ) via text message about this debt, of which I had not knowledge at the time. I was not given proper validation information ( the name of the creditor, the address of HF Holdings, or my right to dispute the debt, etc. ) upon initial contact or within the five day window as specified by the CFPB on this website. I initially thought this to be a scam due to the contact via text message. On XX/XX/XXXX, I was called by a representative of HF Holdings which prompted me to check my credit score, which reflected the debt. I contacted the company due to my confusion of the matter and requested information in writing, including an itemised list of charges, which the representative did not comply with. I subsequently disputed the ownership of the account on my credit report via XXXX. On XX/XX/XXXX, XXXX ruled in my favour and removed the charge from my credit report. I received no additional contact from HF Holdings until XX/XX/XXXX, when a representative of HF Holdings called me and abruptly hung up. Subsequently, HF Holdings has began to contact me again starting on XX/XX/XXXX, via phone call and voicemail and additionally on XX/XX/XXXX via phone call, voicemail and text. They also contacted my family member via phone call on the same day. I am suspicious about the legitimacy of this debt due to the methods of contact that have been employed, as well as the reluctance of HF Holdings to provide me with information in writing about the debt, which I requested on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: NY

Complaint narrative:
I CALLED THEM ALL XXXX XXXX, ABOUT A MONTH AGO AND NOTHING TO HAVE THIS REMOVED, THEY HAVE NOT REPLYED AS OF XXXX XXXX, XXXX CAPITAL ONE {$3600.00} XXXX XXXX, XXXX CAPITAL ONE {$470.00} XXXX XXXX XXXX XXXX XXXX {$3800.00} XX/XX/XXXX XXXX XXXX XXXX {$2100.00} XX/XX/XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX, XXXXXXXX XXXX XXXX {$75.00} XXXX XXXX, XXXX XXXX XXXX XXXX {$160.00} XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I have disputed accounts and continuesly comes back as verified without any reason for it being verified. No due diligence has been done and no updates to my credit report. 
I am writing to formally dispute inaccurate information that appears on my credit report. According to the Fair Credit Reporting Act ( FCRA ), under 15 U.S.C. 1681o, credit reporting agencies and furnishers of information are liable for negligent noncompliance. The following item ( s ) on my report are inaccurate and must be corrected immediately :

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 2025-01-31 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: TX

Complaint narrative:
Company did not properly investigate information being reported to credit bureau. And is running my life and ruining my credit. Lawsuit is open against company for exact reason. 

In reference to Equifax Data Breach settlement : I have already been compensated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: AZ

Complaint narrative:
Recently I looked at a copy of my credit report and noticed serval inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : ( XXXX XXXX XXXX  ( CLOSED ) : Account : 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 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Subject : Formal Dispute of Inaccurate Credit Reporting and Demand for Compliance To Whom It May Concern, I am formally disputing the inaccurate reporting of accounts listed on my credit report under 15 U.S.C. 1681s-2, which mandates the accurate and verifiable reporting of consumer information. 
The accounts in question : Account Name : XXXX XXXX  Account NumberXXXX Date Listed : XXXXXXXX XXXX XXXX  These accounts are erroneously reporting a balance despite being charged off. If these debts were truly written off, continued reporting of a balance is both inaccurate and misleading, violating the Fair Credit Reporting Act ( FCRA ).

Additionally, under IRS guidelines ( 26 U.S.C. 6050P ), a creditor that cancels a debt exceeding {$600.00} is required to issue a 1099-C form to the borrower and report the cancellation to the IRS. I have not received a 1099-C form for either account, raising concerns about the creditors ' compliance with federal tax laws. Failure to issue a 1099-C form may constitute non-compliance, which I have the right to report to the IRS.

I formally demand the following actions : Provision of the 1099-C Form If these debts were charged off or written off, provide copies of the 1099-C forms for my records.

Verification of the Balance Provide documented proof of the current and accurate balance, along with records of any collection activity. 

Permanent Deletion of the Accounts If the debts have been canceled, unverified, or inaccurately reported, I demand immediate removal from my credit report under 15 U.S.C. 1681i ( a ) ( 5 ) of the FCRA.

Failure to comply within 30 days will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Internal Revenue Service ( IRS ) for potential violations of the FCRA ( 15 U.S.C. 1681 ), the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), and IRS tax reporting requirements.

This matter requires immediate resolution. Please respond promptly to avoid further regulatory scrutiny. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: WA

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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
Consumer complaint received 2025-01-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: ACIMA CREDIT, LLC
State: TN

Complaint narrative:
Acima is absolutely horrendous and fraudulent. You can't even try to pay the amount you borrowed before the 90 days because they can't be reached by phone, email, the app or the website to pay. It literally will not work or gives you the run around or even disconnects you. They charge multiple small amts of different amts then say you didn't pay the right thing and charge you fees. They even said I authorized a verbal payment! When I finally reached someone after 1 chat and 3 calls, they said the " retailer '' ( XXXX XXXX XXXX ) made the unauthorized charge!! They have so many complaints at the XXXX yet still have an A+ rating????

What started this today is : I received an email saying that I VERBALLY authorized XXXX XXXX XXXX XXXX {$4.00} to be taken out. That comes to around XXXX which I never verbally authorized anything. The amount that was taken out was {$74.00}. I tried to reach them over and over. The person by chat told me to call XXXX which gives you options for different situations but you press an option and it literally goes to no one. I was hung up on, held 28 minutes then was hung up on, then called XXXX and XXXX and they text you with a link which the link goes to an expired page. I finally spoke with someone and was told it was verbally authorized by me for NSF charges. Then another person told me a supervisor said it was taken out by the store. I have spent 2+ hrs today simply trying to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: GA

Complaint narrative:
I am formally disputing the following late payment entries on my credit report : XXXX XXXX XXXX XXXX {$720.00} These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a resolution as soon as 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 non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL

Complaint narrative:
In XXXX of 2024, I entered into a payment plan with mortgage servicer XXXXXXXX mortgage XXXXXXXX XXXX. My account number is XXXX. After months of trying to get the account accurate, we agreed to a six-month repayment plan in the amount of {$1500.00}, I've made 5 payments thus far and today when I called in the payment, I asked about the balance, I was told I have one more payment left. I asked why does the account balance state {$3700.00} remaining? He explained, that's for fees, I then said how is that possible when at the onset of the payment arrangement, it was to include the outstanding delinquent balance and to be divided up into 6 payments, I was never told about any additional fees and if there were some fees why wasn't it mentioned and whey wasn't it added into the payment plan??? He could not explain it. Gave me a fax number XXXX to the Research Dept to make a request for more information. XXXX has some very suspect practices with their fuzzy math and it's not fair to the consumer. I need this matter looked into ; it simply doesn't make sense. Thanks much

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: IL

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 explanation
Consumer complaint received 2025-01-31 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: IL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
My uncle owned me {$5000.00} which he send to me through Zelle using XXXX XXXX  account. Things went south and he marked that transaction as fraud. XXXX contacted me, I provided them the details and all my XXXX XXXX accounts are good. However, zelle blocked my phone number and email from being using zelle. I can not use zelle even with new email address. They have incorrectly blocked me from using zelle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: CA

Complaint narrative:
I am currently reviewing my Equifax Credit report and there is an address reporting on my credit report that is not mine. 
Below is the address that I would like to have permanently deleted : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 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: OH

Complaint narrative:
On XX/XX/XXXX a " XXXX XXXX '' credit card was opened with a balance of {$22000.00}. After that date there have been 5 Inquiries on my report i did not initiate. " XXXX XXXX '' inquired on XX/XX/XXXX. " XXXX XXXX XXXX  '' inquired on XX/XX/XXXX. " XXXX XXXX XXXX  '' inquired on XX/XX/XXXX. " XXXX XXXX XXXX '' inquired on XX/XX/XXXX. " XXXX '' inquired on XX/XX/XXXX. I have filed a report on identity theft. Please note that there was a computer error on the report. Date Discovered " XX/XX/XXXX '' and Date Fraud began " XX/XX/XXXX '' are switched.

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 2025-02-02 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: OH

Complaint narrative:
On XX/XX/XXXX a " XXXX XXXX '' credit card was opened with a balance of {$22000.00}. After that date there have been 5 Inquiries on my report i did not initiate. " XXXX XXXX '' inquired on XX/XX/XXXX. " XXXX XXXX XXXX  '' inquired on XX/XX/XXXX. " XXXX XXXX XXXX  '' inquired on XX/XX/XXXX. " XXXX XXXX XXXX '' inquired on XX/XX/XXXX. " XXXX '' inquired on XX/XX/XXXX. I have filed a report on identity theft. Please note that there was a computer error on the report. Date Discovered " XX/XX/XXXX '' and Date Fraud began " XX/XX/XXXX '' are switched.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to 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 non-monetary relief
Consumer complaint received 2025-01-31 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: GA

Complaint narrative:
Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have highlighted major concerns regarding Equifaxs failure to conduct proper investigations. The CFPB has alleged in a lawsuit that Equifax violated consumer protection laws by performing inadequate investigations, failing to meet its obligations under the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax is required to conduct a complete reinvestigation of disputed items within 30 days. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ), any inaccurate, incomplete, or unverifiable information must be corrected or removed promptly. Failure to comply with these requirements constitutes a violation of federal law. 

I am disputing the following unresolved negative items on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Despite my repeated disputes and submission of all necessary documentation, these items remain unverified. This inaction has caused significant financial harm and emotional distress.

As guaranteed by the FCRA, I am entitled to an accurate credit report. I request immediate action to verify or remove these items to resolve this ongoing violation of my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/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