vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
XXXX I received from national debt adjusters forwarded from cashcentral.com show a loan account opened on XX/XX/XXXX. The address used is one I have not lived at since XX/XX/XXXX. The phone number listed was disconnected 8-10 years ago. I did not open this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: EQUIFAX, INC.
State: NY

Complaint narrative:
" The accounts appearing on my credit report have not been properly verified by the reporting agencies or the creditors. Under the Fair Credit Reporting Act, I have requested proof that these accounts are valid, but they remain unverified. Without sufficient verification, these accounts should be removed from my credit report. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Request for Reinvestigation of Debt Verification To Whom It May Concern, I am writing to formally request a reinvestigation of the debt that has been verified as accurate. I recently received notice that [ name of credit reporting agency or debt collector ] has verified the debt in question. However, I have reason to believe that the information provided is incomplete, inaccurate, or unverifiable. 

The debt in question : Creditor Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To properly address this matter, I request the following : 1. Detailed evidence of the investigation process that led to the verification of the debt.Show certified licenses to do business in Georgia, Show proof of OWNERSHIP under the Federal compliance policy. 


2. Copies of all documentation used to verify the debts accuracy, including original contracts, billing statements, and any other supporting records, certified documents 3. Confirmation of compliance with the Fair Credit Reporting Act ( FCRA ) or Fair Debt Collection Practices Act ( FDCPA ) during the verification process. 



If the debt can not be substantiated with complete and accurate documentation, I respectfully request that it be removed from my credit report immediately, and all collection activities cease. 

Under the FCRA, you are required to complete your reinvestigation and respond to my request within 30 days. Please notify me in writing of the outcome and provide a revised report if applicable. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: GA

Complaint narrative:
Request for Reinvestigation of Debt Verification To Whom It May Concern, I am writing to formally request a reinvestigation of the debt that has been verified as accurate. I recently received notice that [ name of credit reporting agency or debt collector ] has verified the debt in question. However, I have reason to believe that the information provided is incomplete, inaccurate, or unverifiable. 

The debt in question : Creditor Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To properly address this matter, I request the following : 1. Detailed evidence of the investigation process that led to the verification of the debt.Show certified licenses to do business in Georgia, Show proof of OWNERSHIP under the Federal compliance policy. 


2. Copies of all documentation used to verify the debts accuracy, including original contracts, billing statements, and any other supporting records, certified documents 3. Confirmation of compliance with the Fair Credit Reporting Act ( FCRA ) or Fair Debt Collection Practices Act ( FDCPA ) during the verification process. 



If the debt can not be substantiated with complete and accurate documentation, I respectfully request that it be removed from my credit report immediately, and all collection activities cease. 

Under the FCRA, you are required to complete your reinvestigation and respond to my request within 30 days. Please notify me in writing of the outcome and provide a revised report if applicable. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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 non-monetary relief
Consumer complaint received 2024-12-27 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I made a return at the JCP in XXXX XXXXXXXX XXXX on XX/XX/year>, to date the credit is not reflecting on my credit card statement. I have provided the credit card company proof of the receipt received from the store and yet they send me a letter stating they are still investigating. I am upset this issue has taken more than 30 days to resolve and I am still paying interest and finance fees towards this money. This is unacceptable for a good paying customer like myself.

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 2024-12-27 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: NC

Complaint narrative:
XX/XX/XXXX To Whom It May Concern : This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 

Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. 

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 
Please provide me with a copy of an updated and corrected credit report showing these items removed. 

I demand the following accounts be removed immediately. 



Unauthorized Credit Accounts to be Removed IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Your company is not authorized to share any of my personally identifiable information with any creditor or outside agency for which I am disputing. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: CA

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done online without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

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 2024-12-27 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: FL

Complaint narrative:
Ive been patient long enough, but its clear that my repeated efforts to address the accounts in litigation on my credit report are being ignored. These accounts are inaccurate and should not be affecting my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 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: UT

Complaint narrative:
On XX/XX/year>, I submitted a formal request to Equifax under FCRA XXXX XXXX ( c ) to block fraudulent information from my credit report that resulted from identity theft. I provided all the required documentation, including : Proof of identity ( submitted on XX/XX/year> ). 
Specific disputed information identified as fraudulent. 
A valid Identity Theft Report ( FTC or police report ) detailing the theft. 
Despite fulfilling the legal requirements for blocking the information, Equifax failed to comply with the law. Instead, I received a letter stating : They would not block the information under Section XXXX ( c ). 
They would contact the data furnishers to verify the disputed accounts without my explicit authorization. 
They implied I had not provided sufficient documentation, which is false. 
Equifax 's refusal to block the information as required under the FCRA is a clear violation of my rights. Additionally, forwarding my documents to data furnishers without my consent goes beyond their legal responsibilities under XXXX XXXX. 

Impact on XXXX : XXXX failure to comply with the FCRA has allowed fraudulent information to remain on my credit report, negatively impacting my credit score and causing undue stress and frustration. 

Thank you for your attention to this matter. I look forward to your assistance in ensuring Equifax complies with federal law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 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: CA

Complaint narrative:
XXXX IS SHOWING XXXX ON MY XXXX XXXX XXXX XXXXXXXX THERE IS NO XXXX PAYMENTS BEING MADE ON THIS XXXX ACCOUNT. 
THESE IDIOTS ARE COMMITTTING FRAUDELENT REPORTING WITH XXXX. 

THIS IS NOT TRUE AT ALL THIS ACCOUNT IS CLOSED! 

THIS IS LIKE MY XXXX COMPLAINT AND XXXX IS NOT GETTING ANY PROOF THEY ARE JUST GOING BY WHAT XXXX XXXX IS TELLING THEM! 

I WANT PROOF OF THESE PAYMENTS FROM XXXX TO XXXX SHOWING THE AMOUNT OF XXXX I NEED CHECKING ACCOUNT RECEIPTS, DEBIT CARD RECEIPTS OR ANY TYPE OF RECEIPTS. 

IN ADDITION PROOF THAT THIS ACCOUNT IS STILL OPEN. THIS ACCOUNT IS CLOSED! 

IN ADDITION, SHOWINT XXXX MISSED PAYMENTS OUT BY TIME AND THE MISSED PAYMENTS IS FRAUDELENT ALSO. 

THIS IF FRAUD! AND XXXX DOES NOTHING ABOUT 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 non-monetary relief
Consumer complaint received 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my address. These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full Name : XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth. 
A recent utility bill to verify my current address. 
A copy of my Social Security card to confirm my SSN. 

This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : XXXXConduct a thorough investigation to identify and remove any inaccurate personal information from my credit report. 
XXXXUpdate my credit profile to reflect the correct information as listed above. 
XXXXProvide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report. 

XXXX XXXXXXXX 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 2024-12-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
Dear Consumer Financial Protection Bureau, I hope this message finds you in good spirits. I am writing to request your assistance regarding a troubling situation I am currently facing with debt collection. 

Recently, I gave birth at XXXX XXXX XXXX XXXX XXXXXXXX. Prior to my hospitalization, I took the necessary steps to confirm that my health insurance with XXXX XXXX would cover all expenses related to my XXXX and delivery. Both XXXX XXXX and the hospital assured me of this coverage. However, several months after my childs birth, I received an unexpected bill from XXXX XXXX XXXX XXXX. 

Since receiving the bill, I have made multiple attempts to seek clarification directly from the hospital. Unfortunately, I have yet to receive a valid explanation regarding the charges. Each time I called, I was promised a callback, but that follow-up has not occurred. I have expressed my willingness to establish a payment plan to address the bill, as I am currently facing financial difficulties due to my recent childbirth and time away from work. Despite this, my inquiries have gone unanswered for an extended period. 

On XX/XX/year>, I received a call from a debt collection agency, TransWorld Systems XXXX XXXX, which is now handling this alleged debt from XXXX XXXX XXXX XXXX. During the call, I attempted to explain my situation to the representative. Unfortunately, she was uncooperative, refusing to acknowledge my right to dispute the debt within the legally mandated XXXX timeframe. Despite my requests to initiate a dispute with the hospital, my concerns were dismissed, and the representative was unreasonably rude and unsympathetic. 

Given this frustrating experience, I believe it is unjust for my childs account to be sent to a collection agency without proper communication or explanation from XXXX XXXX XXXX. I feel that I have been treated unfairly, and I am reaching out to your office for guidance on how to resolve this matter and protect my rights as a consumer. 

Thank you for your attention to this urgent issue. I look forward to your prompt response and assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: Global Lending Services LLC
State: MS

Complaint narrative:
I never authorized the following inquiries and has been identified as fraudulent. 

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: NM

Complaint narrative:
My loan was transferred from another company to Mr. Cooper XXXX months ago in XX/XX/year>. I have contacted the company multiples times about setting up biweekly payments -- XXXX phone calls, multiple times in writing, email, letter. Nevertheless the company continually makes mistakes. 

Fails to set up the payments. Sets them up wrong. Provides inaccurate advice every time I call and tells me to do something else. All the while they continue to refuse to provide any information on how much goes to principal or interest ( no amortization schedule ) or even the date due. 

The last call from XXXX I was told that these were operations errors on their part, that a payment breakdown would be provided to me and that she would fix the fact that the biweekly payments were set up wrong on the back end and set it up correctly. Instead I got hit with a late fee and the biweekly payments were stopped without my permission. 

I think this company needs much greater regulatory oversight. I worked in financial services the majority of my career and I have never seen such poor disclosure and customer service follow through related to a consumer mortgage. I recommend that the Consumer Financial Protection Bureau investigate this company. I understand many other customers with biweekly payments are also asking Mr. Cooper for this information and they are refusing to provide it ; the only reason a company would not provide this information is if they are engaged in some kind of financial fraud. 

My mortgage was transferred to this company against my will and I would like to ask the Consumer Financial Protection Bureau to help me mediate with this company as all my attempts to resolve this situation have met with failure or blockage by the company. 

Best, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: MO

Complaint narrative:
I reviewed my credit report and found several mistakes related to billing. The late payments mentioned do not match my usual payment history. Please correct these discrepancies and update my account.

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 2024-12-27 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/year> To : XXXX, XXXX, Equifax Subject : Request for Removal of Unverifiable Account Dear XXXX XXXX Department, I am writing to formally request the removal of an account from my credit report as reported by [ Equifax, XXXX, or XXXX ]. This request is based on the recent deletion of an account by XXXX, XXXX of the XXXX major credit reporting agencies. I recently disputed a charge-off for amounts of {$6800.00}, {$3700.00}, {$540.00} from XXXX XXXX XXXX XXXX XXXX XXXX my XXXX report, and following a thorough investigation, XXXX has XXXX removed this unverifiable debt from my report as of XX/XX/year>. 
According to the Fair Credit Reporting Act ( FCRA ) ( XXXX XXXX. XXXX ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 
Supporting Consumer Laws : FCRA Section XXXX ( XXXX XXXX. XXXX ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 
Additionally, under FCRA Section XXXX ( XXXX XXXX. XXXX ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 
Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section XXXX ( XXXX XXXX  XXXX ), which allows consumers to seek legal recourse for willful non compliance, and Section XXXX ( XXXX XXXX. XXXX ) for negligent non-compliance. 
I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief