vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-04 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: INDEPENDENCE HOME LOANS LLC
State: NV

Complaint narrative:
I have been receiving multiple letters each month from a company called Independence home loan stating that we have equity available. I have ignored their constant harassment until this month their " XXXX '' was done to look like it was from the United States government. There is a case number XXXX and a corresponding phone number XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: WI

Complaint narrative:
I am formally disputing the following late payment entries on my credit report : XXXX XXXX XXXX - {$5600.00} XXXX - XXXX - {$10000.00} XXXX XXXX - XXXX - {$240.00} XXXX - XXXX - {$2200.00} XXXXXXXX XXXX - XXXX - {$940.00} XXXX - XXXX - {$0.00} 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 This includes the prompt correction of outdated or incorrect information.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 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The CBE Group, Inc.
State: NC

Complaint narrative:
I had a cable account with XXXX. I believed that was satisfied when I moved out of the apartment complex I lived in at the time. I've already disputed the item on my credit report and asked for account and payment history, as well as debt validation. It seems XXXX, the company that I originally did business with, has XXXX different companies that have now put items on my credit for the same thing, meaning there's XXXX entries on my credit report for XXXXXXXX XXXX One is " CBE group '' and one is " XXXX. '' The information listed is also inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: NE

Complaint narrative:
To Whom It May Concern : A few years ago I had an account with XXXX XXXX that I cancelled and paid in full. Recently I checked my credit reports and noticed a collection from the CBE Group that I was unaware of. I had not received any notification from XXXX by phone, email or text. 

Because of this erroneous collection, there was a severe impact on my credit scores and I have been denied credit. This is unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: LA

Complaint narrative:
Consumer Name XXXX XXXX XXXX, Consumer Social Security Number XXXX, Consumer Date of Birth XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block 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 a personal loan account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXXXXXX XXXX on XX/XX/XXXX under account number XXXX, a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: NY

Complaint narrative:
Hello, this accounts transaction and charges are fraudulent. I never benefited from any of these transactions, but rather it did a lot of damage to me. I need these fraudulent transactions to be removed from my credit report ASAP in order to prevent further fraudulent activity of my information. Thank you and have a good day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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:
Good day! I'd like to let you know that the transactions on this account and its respective charges are all fraudulent to which I never benefitted from. Please prevent further harm and fraud to my personal information by having all these fraudulent transactions and account removed from my credit report. It would be a big help. Thank you.

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 2025-02-04 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: NC

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report regarding my account with XXXX XXXX XXXX ( Account # XXXX ). The details reported by your bureau contain several errors that need to be corrected immediately in compliance with the Fair Credit Reporting Act ( FCRA ). 



Disputed Inaccuracies : XXXX. Incorrect Payment Status : Your records state that my account is 60 days past due with a past due balance of {$760.00}. However, Equifax correctly reports that the account is being paid as agreed with a {$0.00} past due balance. 

Correction Requested : Update my account status to reflect an accurate payment history and remove the incorrect past-due balance. 

XXXX. False Repossession Comments : TransUnion lists Repossession ; redeemed, and Equifax states Redeemed Repossession. However, this account was never officially repossessed or was fully reinstated without repossession. 

Correction Requested : Remove any reference to Repossession from the comments section. 

XXXX. Discrepancy in XXXX XXXX : My payment history contains inconsistencies across all three bureaus. While Experian marks some months as ( on-time ), TransUnion and Equifax mark XXXX months as ( late XXXX days ) when payments were actually made on time. 

Correction Requested : Ensure my payment history accurately reflects on-time payments across all reporting bureaus. 

XXXX. Inconsistent Reporting Dates : TransUnion and Experian list the Last Reported Date as XX/XX/year>, while Equifax lists it as XX/XX/year>. 

Correction Requested : Ensure the correct and uniform reporting date is reflected across all bureaus to prevent re-aging of this 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 non-monetary relief
Consumer complaint received 2025-02-04 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I reviewed my credit report and noticed inaccuracies. Consequently, I mailed a dispute letter to Experian on XX/XX/year>, using certified mail. It has now been over 35 days, and I have not received a response from the credit bureaus. This lack of response is a breach of 15 USC 1681i ( a ) ( 1 ) ( A ), which mandates that upon receiving a dispute, a consumer reporting agency must, without charge, conduct a timely reinvestigation to verify the accuracy of the information. If the information is found to be inaccurate, the agency must update or delete the item within 30 days from the date the dispute was received.

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 2025-02-04 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: CA

Complaint narrative:
I am writing to file a formal complaint against Experian regarding the handling of my dispute concerning incorrect account information on my credit report. Despite submitting a dispute request to Experian, the incorrect account remains listed on my credit report, and no appropriate action has been taken to correct the information. I believe Experian has failed to adhere to the requirements of consumer protection laws, including the Fair Credit Reporting Act ( FCRA ). I initially disputed several accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and Experian has responded by indicating that the incorrect account will remain on my credit report. This is not only inaccurate, but it is also a violation of my rights under the FCRA. 
Under the FCRA, I am entitled to a fair investigation and a correction of any inaccuracies on my credit report. Section XXXX of the FCRA allows consumers to request the removal of erroneous information, and Section XXXX mandates that a credit reporting agency must investigate and correct any disputed information within a reasonable time. Since Experian has failed to correct the disputed account information, I am requesting the immediate removal of the incorrect account from my credit report. I respectfully request that the CFPB investigate this matter and take action to ensure Experian complies with consumer protection laws and removes the inaccurate account from 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 2025-02-04 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: OH

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-02-04 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: TX

Complaint narrative:
The personal details on my credit report are incorrect. I've attached my documents for you to update the information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Sunday XXXX XXXX XXXX time XXXX XXXX submitted email regarding a debt from original company XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 

This debt has XXXX other collection agencies and original company. 
XXXX agencies are not collecting on the same debt and multi reporting in the same debt affecting my credit score further more. 

My personal information was exposed and leaked under companies XXXX XXXX. 

XXXX companies reporting and collecting on this debt. In Violation of FCRA. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX multiple collection agencies are collecting on the same debt, it could be a violation of the Fair Debt Collection Practices Act ( FDCPA ). The FDCPA is a federal law that prohibits debt collectors from using unfair, deceptive, or abusive practices

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX time XXXX XXXX submitted email regarding a debt from original company XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 

This debt has XXXX other collection agencies and original company. 
XXXX agencies are not collecting on the same debt and multi reporting in the same debt affecting my XXXX XXXX further more. 

My personal information was exposed and leaked under companies XXXX XXXX. 

XXXX companies reporting and collecting on this debt. In Violation of FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX multiple collection agencies are collecting on the same debt, it could be a violation of the Fair Debt Collection Practices Act ( FDCPA ). The FDCPA is a federal law that prohibits debt collectors from using unfair, deceptive, or abusive practices

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist. 

I have sent Experian, XXXX, and XXXX multiple dispute letters and FTC reports for this account. They continue to leave remarks and not remove the account from my credit profile. The phone number, address, and account status is inaccurate. This account is not showing maximum possible accuracy according to 15 USC 1681e ( b )

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 2025-02-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XX/XX/year>XXXX XXXX XXXX XXXX XXXX time I received an email from a XXXX other party collection agency collecting on a same debt XXXX other companies are reporting and collecting affecting my credit reporting. 

Other companies include Misleading collecting on a multi collecting debt with XXXX original company and XXXX collection agencies. 
XXXXXXXX XXXX credit card XXXX XXXX XXXX XXXX collection agency And XXXX XXXX XXXX XXXX XXXX All XXXX companies are collecting the same debt and multi reporting on my credit report. This is in violation. 
I request these debts to be deleted from credit reporting as soon as possible. 
I am a victim of my personal information being in a data breach exposing my personal information and identity to the dark web.

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 2025-02-04 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: NJ

Complaint narrative:
These Account and inquiries are incorrect, since i do not recognize them, please investigate and delete them Account : XXXX XXXX  XXXX Account number : XXXX Balance : {$120.00} Date Opened : XX/XX/year> Inquiriers : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: NJ

Complaint narrative:
These Account and inquiries are incorrect, since i do not recognize them, please investigate and delete them Account : XXXX XXXX  XXXX Account number : XXXX Balance : {$120.00} Date Opened : XX/XX/year> Inquiriers : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I disputed this account that I have no knowledge of with XXXX and the dispute came back as accurate and my case was closed. I never opened this account and have no knowledge of it. I have attached a police report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: GA

Complaint narrative:
I recently reviewed my credit report and noticed some inaccurate information. Upon reviewing my report, I noticed a that I have 1 late payment that was in fact paid on time. The consumer reporting agencies must report all information with complete accuracy. This account has never been late. Attached is a copy of my credit for the following date XX/XX/year>. I am requesting that you investigate and provide verifiable proof that I had a late payment. If the information can not be provide, please update this payment to on time, immediately. Thank you for your help.

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 2025-02-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: SOFI TECHNOLOGIES, INC.
State: IL

Complaint narrative:
In XX/XX/year> I reached out to the loan company to request a loan modification for a lower payment amount. I explained that my housing payment was to double a few months later. On numerous occasions, the loan company refused. They instead offered a delayed payment but refused to accept a permanent modification. I said I could pay {$300.00} a month which I paid until they turned it over to collections. The people I spoke with were rude and unwilling to help. Now the collector is also refusing any sort of lower payment and is saying they will only accept the same amount that I couldn't pay before. I have no money. I can't afford my groceries most of the time and I'm in danger of losing my home.

Company response to consumer: Closed with explanation