vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this report with the CFPB to formally dispute several unauthorized accounts listed on my credit report. I am a victim of identity theft and request that these accounts be blocked from my credit file under Section 605B of the Fair Credit Reporting Act ( FCRA ) .According to this law, you are required to block fraudulent information on a consumer 's credit report within four ( 4 ) business days after receiving appropriate documentation. My personal information was exposed in the EQUIFAX DATA BREACH. PLEASE REFER TO THE EQUIFAX DATA BREACH SETTLEMENT REFERENCE NUMBER TO VERIFY MY VICTIMIZATION specifically 15 USC 16821c-2 ( a ). I am entitled to request that my accounts be blocked and deleted due to the unauthorized access to m personal information. The breach has compromised my data and I am concerned about the identity theft and misuse of my information. Please find my details below for your reference. Full Name : XXXX XXXX Social Security Number : SS # XXXX Date of Birth : XX/XX/year> Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I kindly request that you take immediate action to block and delete all accounts that have been compromised as a result of this data breach. Additional, please provide me with written confirmation once this has been completed. If you require any further information or documentation to process my request, please do not hesitate to contact me at the phone number or email address listed above. Thank you for your prompt attention to this matter. I look forward to your swift response.

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 2025-03-07 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I recently submitted a report via email to dispute inaccurate information from the credit bureau regarding my credit card statement. Despite my request for further investigation, the company has failed to take action. I kindly request your immediate attention to resolve this issue. Additionally, I would appreciate a confirmation receipt for my records.

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 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
This is a follow up of case XXXX that was filed on XX/XX/XXXX as a complaint with the CFPB regarding XXXX XXXX XXXX XXXX XXXX ). The attachments on that complaint are still relevant to this new complaint. While XXXX are now reporting the debt correctly on my credit reports ( they deleted the XXXX account ), the XXXX XXXXXXXX account is still showing. On XX/XX/XXXX and XX/XX/XXXX I requested a letter from XXXX asking them to verify with XXXX XXXX the original creditor, that my debt was settled and cancelled because I filled out a XXXX form in XX/XX/XXXX, which they approved. They refused to send me a lettter, which is predatory considering no other debt collector has refused to issue me a letter saying my debt was settled. XXXX have not sent me that letter so that I can show XXXX XXXXXXXX and the credit bureaus that the XXXX XXXXXXXX debt does not belong to me, and that it has been settled along with the XXXX XXXX account that should be deleted from my credit reports. The letter is important because of the letter I received from XXXX XXXX on XX/XX/XXXX saying they are asking all XXXX credit bureaus to delete the account, but that I may owe XXXX, which I do not. I need this letter from XXXX to compile proof that my XXXX XXXX account must be deleted from ALL XXXX credit bureaus. Every time I contact them via phone on XX/XX/XXXX and via XXXX XXXX XXXX XXXX to ask for a letter verifying the facts of the situation, I am snubbed of the opportunity and told to call in for a supervisor, which is ableist considering I wrote in my XXXX letter about my XXXX, and they approved that as a cancellation of the debt for settlement. XXXX XXXXXXXX XXXX account is still showing on my credit reports despite the company itself requesting deletion off of my credit reports.

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 2025-03-07 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: LD Holdings Group, LLC
State: AZ

Complaint narrative:
I refinanced my home loan with a new company. The title company paid off the payoff amount that Loan Depot said was the payoff amount. This occurred in/around XX/XX/year>. In XXXX I received a late mortgage payment from LoanDepot ( XXXX ). I called and said I had a new loan. They were unable to verify it. I then received approximately XXXX different bills from LD in various amounts from approx {$1000.00} to {$3600.00} dollars. I have called no less than XXXX times trying to find out what is going on. My current loan company called and couldn't get info. In XXXX, LD apparently issued a delinquent or late payment on my credit report. Again I called and was told they would figure it out and get back to me. My current lender doesn't feel that I owe anything, but can't tell me why they are still claiming I owe money. 
I have documents to add from LD and from my new lender. If I owe something, why can't they tell me what is owed and allow me to verify that amount with my new lender?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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:
I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I have never received a statement from NELNET regarding my loan since the COVID pause. I have requested the statement several times in writing, including sending XXXX letters by XXXXXXXX XXXX, XXXX Receipt Requested, which were delivered to NELNET 's office on XX/XX/year> and XX/XX/year>. 

When I email the company, they insist that I call them, even though I have requested in every communication that I want all communication to be in writing. 

I don't know the monthly amount of my payment and I don't know whether I need to apply for relief if I don't know what my monthly payment is.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

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

Company 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 2025-03-07 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:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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: AZ

Complaint narrative:
Subject : Formal Dispute of Inaccurate Late Payment Reporting Request for Removal Dear [ Credit Bureau Name ] Dispute Department, I am writing to formally dispute the inaccurate late payment notations on my credit report for my XXXX XXXX  XXXX  account for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These late payments were reported in error, and I am requesting their immediate removal from my credit report under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq.

Basis for Dispute 1. Violation of FCRA 1681s-2 ( a ) Duty of Furnishers to Report Accurate Information Throughout the disputed period, I was in continuous communication with a XXXX XXXX  XXXX representative XXXX who assured me that I would not be subjected to late charges or negative reporting as long as I continued making payments. 
I made partial payments during this time and have since brought my account completely current.

2. Violation of FCRA 1681e ( b ) Obligation to Ensure Maximum Accuracy Despite verbal assurances from XXXX XXXX XXXX, the account was incorrectly reported as late, causing a severe drop in my XXXX XXXX from XXXX to the XXXX. 
This inaccuracy does not reflect my actual payment history and must be corrected.

3. Violation of FCRA 1681i My Right to Dispute Inaccurate Information I am formally disputing these late payments as they are misleading and unfairly damaging my credit profile.

As a consumer, I have the right to ensure that only accurate and verifiable information appears on my credit file.

Requested Resolution I formally request the following actions : 1. A thorough reinvestigation and immediate removal of the late payment entries for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX from my credit file. 

2. Notification to XXXX XXXX XXXX that these late payments have been disputed and must be corrected. 

3. A written response confirming the updated status of my credit report. 

As required by law, you have 30 days to complete this reinvestigation. If these inaccuracies are not corrected, I will escalate my dispute by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals Office. Additionally, I reserve the right to pursue legal remedies under FCRA 1681n and 1681o for damages caused by this inaccurate reporting.

Please send confirmation of the removal to my address above. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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: Thaxton Investment Corporation
State: GA

Complaint narrative:
I have submitted a report via email to address the incorrect information provided by the credit bureau. I am formally disputing an error on my credit card statement and have requested a thorough investigation. However, the company has failed to address the matter properly. I would appreciate your immediate attention to this issue. Additionally, please provide a confirmation receipt for my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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 have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I placed a credit freeze with all three credit reporting agencies on XX/XX/XXXX. Now I can not sign in to Experian to manage my credit freeze. Online at Experian.com it says my username and password do not match. When I go to try to sign in another way it says theyll send me a text to my phone but I never receive the text. If I try the forgot password option, again they say theyll send a text but when I enter my phone number it says they have no record of that number with my account. I tried calling their phone numbers XXXX XXXX and they say theyll send a text but it never arrives. I tried XXXX XXXX and couldnt speak to anyone, I only got the automated menu which didnt work for me. I tried installing the Experian app on my phone but still couldnt access my account. 
On XX/XX/XXXX I accessed my Experian account online and downloaded a credit report that showed correct address & phone numbers, report XXXX XXXX. There is no reason to not be able to sign in to manage my credit freeze now, my information hasnt changed in over XXXX years. 
I was just disapproved for a loan through XXXXXXXX XXXX because of the credit freeze I couldnt temporarily lift. 
I can provide copies of my credit report from XX/XX/XXXX proving previous online access to my account and I can provide copies of the loan disapproval letter from XXXXXXXX XXXX showing how this lack of account access at Experian has been detrimental to me. 

Experian shouldnt be able to place credit freezes on someones credit if they wont allow access to manage 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 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau and Credit Reporting Agency, I am writing to formally file a complaint against EXPERIAN concerning ongoing inaccuracies in my credit report, which I believe violate several provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
In XX/XX/XXXX, I initiated a dispute regarding incorrect information related to ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). Despite providing supporting documentation that substantiated my claim, EXPERIAN responded on XX/XX/XXXX indicating that they would not remove the disputed entry. This decision raises concerns about the agencys adherence to its responsibilities under Section 607 ( b ) of the FCRA, which mandates that consumer reporting agencies must ensure maximum possible accuracy of the information they provide. 
In considering this situation, I would like to highlight the legal principle of XXXX XXXX prevents a party from asserting a claim or fact that is contrary to a position they have previously taken, particularly if this inconsistency would harm another party who has relied on the original position. In my case, I believe that the actions of EXPERIAN may constitute a form of XXXX, as the agency 's initial acknowledgment of my dispute and the accuracy of my evidence should logically inform their subsequent actions regarding the accuracy of my credit report. 
Moreover, I am concerned about my privacy rights under the Privacy Act of XXXX, XXXX XXXX. XXXX. The presence of inaccurate information in my credit report not only misrepresents my financial status but also jeopardizes my ability to secure loans or other financial services. I believe that my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, may also be infringed, as misleading information could lead to negative repercussions in debt collection processes. 
My concerns remain unaddressed despite my attempts to resolve this issue directly with EXPERIAN through XXXXXXXX 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 2025-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
KINDLY HELP ME. I'M GETTING STRESSED UP EVERY TIME I SEE THESE FRAUDULENT BANKRUPTCY RECORD. I WANT THESE TO BE PERMANENTLY REMOVED OFF 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 non-monetary relief
Consumer complaint received 2025-03-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Mr. Cooper Group Inc.
State: OH

Complaint narrative:
I have been trying to go through the XXXX process for my home loan after getting a XXXX. The Mortgage XXXX, XXXX XXXX, has assured me that I can do this for my loan. The Mortgage XXXX, Mr. Cooper, has been giving me the runaround for over a XXXX. It started with them just ignoring my request to discuss assumption and just spamming me with the refinance phone number. Once I finally got them to acknowledge my request in XXXX of XXXX they sent me documentation and a list of requested documents. They specifically said if you have questions email their Assumptions team. I had questions, emailed the team at the provided address and they replied we don't answer this email, call customer service. I called customer service and they told me they can't answer questions for the XXXX team, only the people who get that email can. I submitted all the documents I could. I followed up with Mr. Cooper and finally got a person on the phone to talk to. They confirmed that I needed to send another document so I did. They confirmed I had provided all the documents requested and said they would follow up with Assumptions and a XXXX would call me. No one called me. I received a letter stating I didn't send all the documents and they are cancelling the process. I called back again, got a human being, they again confirmed that I had sent everything they asked for but again no progress. They are deliberately stonewalling my efforts and are not sincere about completing this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I checked my credit report recently and discovered that there where accounts I was not aware of please remove these fraudulent accounts.

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 2025-03-07 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:
As I was reviewing my credit profile there was some inquiries that are not mine.

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 2025-03-07 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: NE

Complaint narrative:
I recently received a copy of my ( Experian, XXXX or XXXX ) credit report, and I noticed some late payments posted on my credit report. Your company is in violation of the law. Under 15 USC Code 1681b - Permissible purposes of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer who it relates Did I give you written instructions to furnish this account on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : 2 ) EXCLUSIONS.- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the 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