vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-03 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: IL

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-02-03 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:
Statement Requesting Investigation Under FCRA Provisions To Whom It May Concern, I am writing to formally dispute the accuracy of information reported by the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This dispute is made in accordance with Section 605 and 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ), which grants consumers the right to challenge and seek the removal of inaccurate or fraudulent information from their credit reports. Additionally, I reference Section 611 ( 15 U.S.C. 1681i ), which mandates that consumer reporting agencies conduct a reasonable investigation into disputes and provide consumers with the results of that investigation.

I request a detailed account of the methods used to handle my dispute regarding these accounts. Specifically, I would like to know : The steps taken to investigate the accuracy of the reported information.

The evidence or documentation reviewed during the investigation process.

The findings that led to the conclusion regarding the accuracy of these accounts.

It is essential for me to understand how these disputes were handled, as the accuracy of my credit report directly impacts my financial standing. I expect a prompt response in accordance with the timelines established under the FCRA.

Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XX/XX/year>

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 2025-02-03 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: GA

Complaint narrative:
Statement Requesting Investigation Under FCRA Provisions To Whom It May Concern, I am writing to formally dispute the accuracy of information reported by the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This dispute is made in accordance with Section 605 and 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ), which grants consumers the right to challenge and seek the removal of inaccurate or fraudulent information from their credit reports. Additionally, I reference Section 611 ( 15 U.S.C. 1681i ), which mandates that consumer reporting agencies conduct a reasonable investigation into disputes and provide consumers with the results of that investigation.

I request a detailed account of the methods used to handle my dispute regarding these accounts. Specifically, I would like to know : The steps taken to investigate the accuracy of the reported information.

The evidence or documentation reviewed during the investigation process.

The findings that led to the conclusion regarding the accuracy of these accounts.

It is essential for me to understand how these disputes were handled, as the accuracy of my credit report directly impacts my financial standing. I expect a prompt response in accordance with the timelines established under the FCRA.

Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XX/XX/year>

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 2025-02-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Freedom Mortgage Company
State: NV

Complaint narrative:
The loan was refinanced through Freedom Mortgage to lower my interest rate, I had the previous loan with them with no missed payments.My new payment date was XXXX XXXX which I thought was set on auto pay but there was a stop payment was added inadvertently for the old loan but somehow went to the new loan which was an honest mistake.When they contacted me about the payment, I would send it again.I did that three times before I went to the bank to see what had gone wrong.Before I could correct the problem Freedom Mortgage reported to the credit bureaus which ruined my credit.I am a service XXXXXXXX XXXX owned small business which credit score dropped XXXX plus points, just because of a small oversight, this may put me out of business, the money was in the bank.I tried several times to contact Freedom Mortgage but no answers.I did nothing criminal and there should be something some one can do.This is only 30 days and not 3 months or more.If I knew how insensitive Freedom Mortgage is, I would have not refinanced the 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 2025-02-03 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: FL

Complaint narrative:
Experian, Equifax, and Transunion have failed to fulfill its legal obligation obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian, Equifax, and Transunion have neither corrected or removed disputed items despite the evidence I provided, causing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian, Equifax, and Transunion 's inaction violates federal law and my right as a consumer.

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 2025-02-03 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: FL

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 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: MA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 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: MA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-02-03 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: GA

Complaint narrative:
I RECENTLY PULLED MY CONSUMER REORT AND REALIZED THAT EXPERIAN HAD PULLED MY CREDIT TWICE WITHOUT ANY PERMISSIBLE PURPOSE.THE INQUIRIES ARE LISTED BELOW. 

1.XXXX XXXX inquiry date. XXXX XXXX 2.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 2025-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bilt Technologies, Inc.
State: LA

Complaint narrative:
The Bilt app to manage my Bilt Mastercard does not update payment accounts from the same bank leading to declined credit card payments and putting the consumer in an endless cycle of updating accounts to declined payments to being charged interest fees and balance continuously growing. 

I reside in a building that partners with the Bilt Mastercard by XXXX XXXX to be the *only* credit card that does not charge a 4 % fee to be used on rent payments. I bank with XXXX bank. My primary checking account was compromised and I worked with chase to open a new checking account. I have followed the Bilt app over 5 times to link to my new chase account. When submitting payment or viewing account management, the Bilt app *never* displays *any* account numbers to verify the account being used. For example chase **** is all you see on any screen. When linking the new checking account the Bilt apps built in process says the new checking account is already linked. When the consumer then goes to pay the Bilt app still pays from the disabled account with no warning to the consumer. This begins the endless cycle. 

XXXX XXXX does not electronically notify the user via Bilt or any means such text, email, or phone call that the payment failed. Instead they send a letter. XXXX XXXX does not give notice for an opportunity for someone with a job that requires frequent travel to fix their payment issue and the Bilt app also does not send notification of the payment issue. 

Once the consumer recognizes the payment issue, identifies the endless feedback loop in the Bilt app IT failure, then they can begin to work directly with XXXX XXXX. It takes almost a week after the last failed payment for the XXXX XXXX website to allow balance to be paid the credit after interest has accrued and all negative factors with a credit card bill going weeks without being paid. 

This failure is solely due to flawed design of the Bilt app hiding all information from the consumer to show which account is paying and for XXXX XXXX to not ensure timely updates from the Bilt accounts to allow faster direct payments. The Bilt credit card app jeopardizes consumer financial health while purposely making paying from other cards more expensive for necessities such as rent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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:
Im writing because Im at my wits end with the errors on my report. These mistakes are dragging down my score, holding me back from opportunities, and causing unnecessary stress. Its exhausting to feel like my future is being limited by something so avoidable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute Request for Bankruptcy Removal To Whom It May Concern, I am writing to formally dispute the reporting of a bankruptcy on my credit report. I recently reviewed my credit reports from the major credit bureaus and noticed that a bankruptcy is being reported incorrectly. I believe this information is inaccurate for the following reason ( XXXX ) : The bankruptcy case was dismissed and should not appear on my report, Case # XXXX XXXX XXXXXXXX XXXX XXXX DISMISSED I would appreciate a written confirmation of your findings and any actions taken to correct this error. Please respond to this request within the time frame outlined by the FCRA. 
Thank you for your time and assistance in this matter. Please feel free to contact me at XXXX or XXXX if you require additional information. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute Request for Bankruptcy Removal To Whom It May Concern, I am writing to formally dispute the reporting of a bankruptcy on my credit report. I recently reviewed my credit reports from the major credit bureaus and noticed that a bankruptcy is being reported incorrectly. I believe this information is inaccurate for the following reason ( XXXX ) : The bankruptcy case was dismissed and should not appear on my report, Case # XXXX XXXX XXXXXXXX XXXX XXXX DISMISSED I would appreciate a written confirmation of your findings and any actions taken to correct this error. Please respond to this request within the time frame outlined by the FCRA. 
Thank you for your time and assistance in this matter. Please feel free to contact me at XXXX or XXXX if you require additional information. 
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 2025-02-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Interest rate
Company: Mr. Cooper Group Inc.
State: LA

Complaint narrative:
Sent all documentation showing proof of XXXX XXXX XXXX XXXX XXXX XXXX Denied in XX/XX/XXXX, XXXX XXXX as reasons of a mortgage not qualifying. Reached out to other mortgage lenders that stated a mortgage under their company would qualify for SCRA interest rates under the key provision state of Louisiana. Emailed on XX/XX/XXXX to ask for clarification as to why Mr. Cooper denies the SCRA interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: CA

Complaint narrative:
My account with XXXX XXXX, AND XXXX CARD was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX, AND XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I am writing to express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies over the past 8 years, one amount in which I was robbed of XXXX $ which devastated me. My financial institutions and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving me vulnerable to scams. This lack of accountability and transparency is absurd and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: OH

Complaint narrative:
On XX/XX/year>2025 i asked for validation of this debt, they in returned just said that the debt belongs to me and never sent anything stating it was.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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:
communication with XXXXXX/XX/XXXX did not update my credit report properly with a paid in full settlement back in XX/XX/scrub> 2024 2024

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 2025-02-03 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:
I recently pulled my credit report and found some inaccurate accounts that were reporting. I have made a list of all the inaccurate accounts that I would like to removed. please review all of the my documents and remove the account that are list. see attached

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently pulled my credit report and found some inaccurate accounts that were reporting. I have made a list of all the inaccurate accounts that I would like to removed. please review all of the my documents and remove the account that are list. see attached

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