vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-27 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: Autovest, L.L.C.
State: FL

Complaint narrative:
I am filing this complaint to address the unlawful practices and inaccuracies associated with a debt reported by XXXX XXXX XXXX. This debt was initially brought by Autovest L.L.C., subsequently referred to XXXX XXXX XXXX XXXX, and later sold to a third party, XXXX XXXX XXXX XXXX. The vehicle tied to this account has a VIN ending in XXXX. 

Despite my ongoing disputes, XXXX has refused to remove this debt from my credit report. The account listed as [ XXXX XXXX XXXX account ] has been repeatedly marked as " verified, '' despite a lack of sufficient evidence supporting its accuracy. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the credit bureau is required to conduct a reasonable investigation into any disputed information. Additionally, 15 U.S.C. 1681i ( a ) ( 2 ) mandates that if the furnisher of the disputed XXXX & XXXX XXXX. in this casefails to provide verifiable proof of the debt 's accuracy, the information must be promptly removed from my credit file. 

It is important to note that " parroting '' information from data furnishers without an actual independent verification constitutes willful noncompliance, as affirmed in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Specifically with XXXX the address identification number associated with this debt on according to this bureau does not match any of my current addresses. This discrepancy constitutes a violation of Section 605 ( b ) of the FCRA ( 15 U.S.C. 1681c ). 

When I reached out to XXXX & XXXX XXXX. Debt Collectors for clarification regarding this debt, I was threatened with legal action. Such actions violate the Fair Debt Collection Practices Act ( FDCPA ) under Regulation F. Additionally, this conduct contradicts the requirements of 15 U.S.C . 1681s-2, which obligates furnishers to provide accurate and reliable information. 

In XXXX, XXXX XXXX XXXX XXXX. initiated legal proceedings against me. However, they failed to adhere to proper legal procedures, resulting in the dismissal of the case. Their use of multiple incorrect addresses and failure to serve me highlight a repeated pattern of procedural and reporting inaccuracies. 



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 explanation
Consumer complaint received 2025-03-27 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 am a victim, of identity theft and have been for quite a while. This account has been on my credit report and has negatively impacted my life. I just want this nightmare to be over! Please help. I really appreciate it!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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: HYUNDAI CAPITAL AMERICA
State: IL

Complaint narrative:
I am a victim, of identity theft and have been for quite a while. This account has been on my credit report and has negatively impacted my life. I just want this nightmare to be over! Please help. I really appreciate 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 2025-03-27 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: DC

Complaint narrative:
I pulled my report and identified some fraudulent hard inquiries on there and need them removed 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 2025-03-27 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: TX

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 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 2025-03-27 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 XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Late delinquency is showing up on all 3 credit bureaus. I have never been late on mortgage

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 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX is showing up on credit bureaus and ruining my credit. This is false and doesnt belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: OH

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the TransUnion credit reporting agency XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 XXXX as proof from the XXXX Federal Trade Commission that all of 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 2025-03-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: The Aligned Company DBA Extra
State: NY

Complaint narrative:
Ive been using the XXXX XXXX credit builder card, and up until recently, payments were successfully being pulled from my linked bank account. However, the payment account was unexpectedly disconnected, and since then Ive been unable to reconnect, change, or add any new accounts. 

XXXX now claims that my bank is reporting the account as " frozen, '' which is false. My account is fully active, and Ive provided all documentation they requested, including recent bank statements ( after the issue began ), a letter of activity, and my account and routing numbers. 

I even attempted to switch to a different payment account, but I received the same error stating that the new account is also frozen. That is clearly not the case. 

Despite reaching out to XXXX support multiple times, I continue to receive the same canned responses and no resolution. Their support process has become circular and unhelpful. 

This ongoing issue is disrupting my work schedule, personal life, and may soon negatively impact my credit. Ive done everything asked on my end and still have no access to resolve the problem or make payments. 

Desired Resolution : I want XXXX to remove the erroneous freeze designation, allow me to reconnect a valid account, and ensure this does not affect my credit history or score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: FL

Complaint narrative:
Hi, I was enrolled in the SAVE plan in 2023 for my student loans through EdFinancial Services, and because of my current income, my payments were {$0.00} per month. I was told that since my payments were {$0.00}, that I did not have to make a payment and that interest was technically accumulating, but it was being covered by the government. I now checked on my loan website again, and now it says that I owe an additional ~ $ XXXX. I called and they said that if I had made a payment of even {$1.00} per month, that the interest would have been covered, but since it was XXXX, that it was not covered. I would like to dispute this, as my student loan provider lied to me and gave me false information. Had this information been offered from the beginning, I would have tried to pay something each month. Now I owe an extra $ XXXX. I also tried to call and file a complaint and to see if I could retroactively pay or resolve this peacefully ; however, I was not allowed to speak to someone regarding the complaint, and I was unable to get a phone number or other contact information. 

The person who I just spoke to today was helpful and his employee number is XXXX. I'm pretty sure when I called in XX/XX/year> and was given this false information, they refused to give me their employee IDs

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: TX

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 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 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
This letter serves as a formal demand for the removal or correction of late payment notations inaccurately reported on my credit file. After a comprehensive review of my credit report, I identified late payment entries that I believe are inaccurate and improperly reported. These entries, associated with [ Creditor Name, Account Number ], are in direct violation of 15 U.S.C. 1681s-2 ( b ) and 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), which require credit reporting agencies and furnishers of information to maintain complete accuracy in consumer reporting.

1. Reinvestigation of Late Payments : Conduct a thorough reinvestigation of the late payment notations associated with XXXX XXXX XXXX XXXX XXXX Account # 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 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
This letter serves as a formal demand for the removal or correction of late payment notations inaccurately reported on my credit file. After a comprehensive review of my credit report, I identified late payment entries that I believe are inaccurate and improperly reported. These entries, associated with [ Creditor Name, Account Number ], are in direct violation of 15 U.S.C. 1681s-2 ( b ) and 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), which require credit reporting agencies and furnishers of information to maintain complete accuracy in consumer reporting.

1. Reinvestigation of Late Payments : Conduct a thorough reinvestigation of the late payment notations associated with XXXX XXXX XXXX XXXX XXXX Account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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: NY

Complaint narrative:
I am filling a complaint to formally request an investigation into false and inaccurate information that has been reported on my credit file, which has caused significant financial and emotional harm to me and my family. Despite my efforts to dispute these inaccuracies with the credit reporting agencies and furnishers, the false information remains, negatively affecting my financial stability and future plans. 
.XXXX XXXX XXXXXXXX XXXX reported late payments on my secure credit card account ending XXXX despite several discussions XXXX XXXXXXXX XXXX didn't not removed the closed account on my report, neither update the report. 
XXXX XXXXXXXX XXXX reported late payments on my account ending in XXXX the same issue and did not update their investigation result with none of the credit bureaus. 
.- XXXX XXXX reported late payments on my account starting XXXX the same issue. 
.- XXXXXXXX XXXX same issue with my account ending in XXXX and removed the closed accounts on my report bring it to current. 
.XXXX XXXX XXXXXXXX XXXX XXXX late payment on my account ending in XXXX despite speaking with the collection department manager. 

These reports are inaccurate and not properly verified. I have disputed correctly with the credit bureaus and the furniture via XXXX, but the late payments and hard inquiries such as :.- XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX or proper documentation. Under 15 U.S.C 1681 S 2A furniture must report accurate information under 15 U.S.C 1681 I the credit bureaus must perform a reasonable investigation within 30 days. Neither of them have provided sufficient evidence to support the negative reporting.

The inaccurate reporting has led to
: Financial Hardship Due to the false reports, I have been denied credit, loans, and housing opportunities. This has put a strain on my ability to provide for my family and secure stable living conditions.

Delays in My Plans I had plans to [ buy a home, start a business, secure a car loan, etc. ], but these false reports have either delayed or completely derailed these critical steps in my life.

Emotional and Psychological Distress The constant stress, frustration, and anxiety caused by these errors have taken a toll on my mental well-being. I have spent countless hours disputing and attempting to correct these reports, only to be met with roadblocks and a lack of accountability from the reporting agencies. 
Damage to XXXX XXXX XXXX reports suggest financial irresponsibility, which has led to unfair judgment from potential lenders, landlords, and even employers.

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 2025-03-27 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: VA

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-03-27 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-03-27 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: FL

Complaint narrative:
I need your help investigating accounts from companies that have inaccurately reported late payments. After reviewing my credit report, I found certain accounts showing late payments that should not be there. There should be no late payment remarks on these accounts. Please remove these remarks and update the accounts to reflect a positive status as agreed.

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 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX XXXX Balance : {$130.00}, XXXXXXXX XXXX  XXXX Balance : {$5200.00}, XXXX XXXX XXXX XX/XX/XXXXXXXX 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