vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-13 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX SS # : XXXX XXXX XXXX XXXX XXXX  Dear Bureau RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didnt pay and was marked late because this clearly a billing error.

The items below should all be updated as agreed on my consumer report. 
XXXXXXXX XXXX XXXX XXXXXXXX Account number : XXXX Date opened : XX/XX/XXXX Balance : {$240.00} Please correct/update this inaccurate information on my credit report. 
XXXX XXXX XXXX XXXXXXXX Account number : XXXX Date opened : XX/XX/XXXX Balance : {$300.00} Please correct/update this inaccurate information on 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
Consumer complaint received 2025-01-13 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: MI

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate. 

Account name - XXXX XXXX Account number - 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 2025-01-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Madison Management Services, LLC
State: OH

Complaint narrative:
I have been a customer of Madison Mortgage for several months, but I am encountering significant issues regarding the handling of my mortgage. Madison Mortgage recently sold my mortgage, and they notified me of the purchaser. However, when I contacted the new company, I was informed that they had already sold the mortgage to another entity. 

As of now, I have not received a mortgage statement since XX/XX/year>, leaving me uncertain about the current status of my account. Madison Mortgage appears to have violated several laws concerning the proper handling and transfer of my mortgage and has failed to address or compensate me for these violations.

Additionally, I submitted a formal cease-and-desist letter to Madison Mortgage, yet they have continued to contact me via email in direct disregard of my request. I have reached out to the company currently reported as owning the mortgage multiple times, but they continue to state that they no longer own it. 

This situation has created significant confusion and distress, and I am seeking resolution and accountability for these violations. I request immediate clarification on the status of my mortgage and a response addressing the legal violations committed during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

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 2025-01-13 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:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

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 2025-01-13 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: MI

Complaint narrative:
XXXXSubject : XXXX Notification of Deleted Account from XXXX Credit Report and Request for Action by Credit Reporting Agencies Dear Credit reporting department , I am writing to formally notify the Consumer Financial Protection Bureau ( CFPB ) and the credit reporting agencies of the recent deletion of a charge-off account from my XXXX credit report. The account in question is related to XXXX  XXXX and XXXX  XXXX XXXX and had a balance of {$13000.00}. 

On XX/XX/year>, XXXX completed an investigation of a dispute I filed regarding this account. As a result of the dispute, the account was deleted from my XXXX credit report. This deletion indicates that the information regarding this account was unverifiable or inaccurate. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I request that the major credit reporting agencies ( XXXX, XXXX, and TransUnion ) also investigate this account and remove it from my credit reports. Since XXXX deleted the account, it is clear that the information is no longer verifiable, and as such, the credit reporting agencies should do the same. The FCRA requires that information reported on credit reports must be accurate, complete, and verifiable. 

Specifically, I am requesting that you take the following actions : XXXX. Investigate the XXXX  XXXX and XXXX  XXXX XXXX charge-off account that appears on my credit report. 
XXXX. Remove the account from my credit report if it is not verified or proven to be accurate. 
XXXX. Complete this process within 30 days of this letter, in accordance with the requirements of the FCRA. 

As a consumer, I am protected by the following key consumer laws : - XXXXFair Credit Reporting Act ( FCRA ) XXXX  : Under 15 U.S.C. 1681i, if information in my credit report is found to be inaccurate or unverifiable, it must be removed. The FCRA requires that credit reporting agencies ensure that the information they report is complete and accurate. 
XXXX XXXXFair Debt Collection Practices Act ( FDCPA ) XXXX XXXX Under 15 U.S.C. 1692e, if the debt is not verifiable, the creditor or debt collector is prohibited from reporting it to credit bureaus. 

If this information is not removed from my credit report within 30 days, I will consider pursuing legal action under the FCRA and FDCPA. These laws provide consumers with the right to file a lawsuit for damages, including statutory damages, actual damages, and attorney fees, if a credit reporting agency fails to comply with the law regarding the accuracy and completeness of information. 

I urge you to act swiftly in this matter to avoid further legal actions. I look forward to your prompt resolution of this issue. 

Thank you for your 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 2025-01-13 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: MI

Complaint narrative:
XXXXSubject XXXX XXXX  Notification of Deleted Account from XXXX Credit Report and Request for Action by Credit Reporting Agencies Dear Credit reporting department , I am writing to formally notify the Consumer Financial Protection Bureau ( CFPB ) and the credit reporting agencies of the recent deletion of a charge-off account from my XXXX credit report. The account in question is related to XXXX  XXXX and XXXX  XXXX XXXX and had a balance of {$13000.00}. 

On XX/XX/year>, XXXX completed an investigation of a dispute I filed regarding this account. As a result of the dispute, the account was deleted from my XXXX credit report. This deletion indicates that the information regarding this account was unverifiable or inaccurate. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I request that the major credit reporting agencies ( XXXX, Equifax, and XXXX ) also investigate this account and remove it from my credit reports. Since XXXX deleted the account, it is clear that the information is no longer verifiable, and as such, the credit reporting agencies should do the same. The FCRA requires that information reported on credit reports must be accurate, complete, and verifiable. 

Specifically, I am requesting that you take the following actions : XXXX. Investigate the XXXX  XXXX and XXXX  XXXX XXXX charge-off account that appears on my credit report. 
XXXX. Remove the account from my credit report if it is not verified or proven to be accurate. 
XXXX. Complete this process within 30 days of this letter, in accordance with the requirements of the FCRA. 

As a consumer, I am protected by the following key consumer laws : - **Fair Credit Reporting Act ( FCRA ) ** : Under 15 U.S.C. 1681i, if information in my credit report is found to be inaccurate or unverifiable, it must be removed. The FCRA requires that credit reporting agencies ensure that the information they report is complete and accurate. 
- **Fair Debt Collection Practices Act ( FDCPA ) ** : Under 15 U.S.C. 1692e, if the debt is not verifiable, the creditor or debt collector is prohibited from reporting it to credit bureaus. 

If this information is not removed from my credit report within 30 days, I will consider pursuing legal action under the FCRA and FDCPA. These laws provide consumers with the right to file a lawsuit for damages, including statutory damages, actual damages, and attorney fees, if a credit reporting agency fails to comply with the law regarding the accuracy and completeness of information. 

I urge you to act swiftly in this matter to avoid further legal actions. I look forward to your prompt resolution of this issue. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: NY

Complaint narrative:
I am writing to formally dispute and request the correction of inaccurate personal information on my credit report. Upon review, I noticed discrepancies in my listed address history. These errors are unrelated to me and should be removed to ensure the accuracy of my credit profile. 

Specifically, I request the removal of the incorrect address : XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX I also request that my credit profile be updated with the accurate information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, New York XXXX Social Security Number : XXXX Date of Birth : XX/XX/year>XXXX  To support my request, I have attached : A copy of my government-issued ID verifying my name and date of birth. 
A recent utility bill confirming my current address. 
A copy of my Social Security card verifying my SSN. 

This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request that you : Investigate and remove any inaccurate personal information from my credit report. 
Update my credit profile with the correct details listed above. 
Provide written confirmation of the corrections and supply an updated 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 non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The Credit bereaus stated Account Name & Account # was properly investigation but how is that possible if the open date is inaccurate, the date last active, and date last reported is not accurate. This ground for removal. They also violated my right under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.

I haven't given these accounts written permission to furnish these accounts on my credit report as well.

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 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The Credit bereaus stated Account Name & Account # was properly investigation but how is that possible if the open date is inaccurate, the date last active, and date last reported is not accurate. This ground for removal. They also violated my right under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 

I haven't given these accounts written permission to furnish these accounts on my credit report as well.

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 2025-01-13 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:
Encountering an error suggesting a late payment on my account is unsettling, particularly because I have consistently adhered to payment deadlines. This inconsistency is generating unnecessary stress, and I implore you to swiftly rectify the situation by updating my records accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: AR

Complaint narrative:
I am the victim of identity theft which has caused a great deal of issues in my personal life and financial background. I have accounts on my report that are not something I authorize and have been trying to address the issues for months. All I am able to get from the bureau is that they verified the debt/inquiry and they are valid. My invoking the Fair Credit Reporting Act Section 611 I thought that finally things were going to turn around and I would get some resolution. It has not been over 60 days and no reply. 

Listed below are the items I am still trying to resolve : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-01-13 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: FL

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following inquiries were not and should not be 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 explanation
Consumer complaint received 2025-01-13 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:
I sincerely urge you to expunge this entry from my credit report as it is not linked to me and is clearly fraudulent. I kindly request a thorough investigation and prompt correction of this inaccuracy in my credit history.

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 2025-01-13 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and XXXX XXXX XXXX XXXX XXXX XXXX XXXX it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: NV

Complaint narrative:
Chime Financial closed my account abruptly and without warning. They now claim I will not be getting a refund for the XXXX in my account. Additionally, Chime transferred XXXX out of my savings account to checking without my permission. I requested information and Chime refused to provided it. I want my refund check for my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: DISCOVER BANK
State: TX

Complaint narrative:
My information was a part of a data breach as well as identity theft

Company response to consumer: Closed with explanation