vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Accelerated Portfolio, Inc.
State: TX

Complaint narrative:
On XXXX XXXX, 2025 I received a Debt letter from XXXX XXXX XXXX , XXXX. requesting i pay them a {$3100.00} for a loan i never received or recognized. I did not receive or ever applied for a loan of any kind from the XXXX XXXX company according to the mailed documents they sent to my home. They have False information from the current creditor Accelerated Portfolio Inc. and it may involve Identity theft. I am getting anonymous debt claims from various attorneys and Debt collection companies due to my ongoing identity theft case and compromise of my personal information. The XXXX XXXX XXXX , XXXX is not in compliance with state and federal Debt compliance laws. I have referred this complaint to the proper authorities. I will not pay any money to anonymous Debt Collection Attorneys with false or fake information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
There is credit cards on my credit report that are not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: FISERV FINXACT CORE
State: AZ

Complaint narrative:
I have been trying since XX/XX/year> and I have tried on multiple occasions to have my card sent to me. My balance of XXXX have been on Money network and nothing has been done and Im not able to transfer any money

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 2025-01-07 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2025-01-07 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: AR

Complaint narrative:
Paid XXXX XXXX court for breaking lease at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. After bank check was cashed someone sold this paid debt to collection agency. 

I contacted experian and disputed debt they said they would contact company and provide what they said but I never received a response. 

Experian also lists credit length only from legal name change ( 2019 ) instead of from former name which is listed on reports with same social security number.

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 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: NH

Complaint narrative:
My loans were forgiven under the public service loan forgiveness program in XXXX of XXXX. To date, Mohela has refused to update my balance and status with the credit reporting agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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: NY

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal 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 2025-01-07 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: IL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I made an atm cash deposit at 5/3rd located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) on XX/XX/year> The screen said unable to accept deposit and it didnt give back the cash It did ask me to tell amount which at the last minute I took out some money because they werent flat and ofcourse the XXXX time I didnt know the exact amount it didnt deposit I had a fair amount of cash on me from the holidays but it was between XXXX. I went in the branch and gave them the error record it printed out and they had no idea what to do and told me to call the dispute number. I did they seemed to not have any answers the lady did note that the exact amount wasnt known but said it could take up to 45 days which is ridiculous in this day and age. Any help would be greatly appreciated. 

Case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$27000.00} XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX- {$240.00}

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 2025-01-07 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
I am writing to file a complaint about an unresolved debt of {$1300.00} reported on my credit report, which is the result of an error caused by a service agreement between XXXX XXXX XXXX XXXX XXXX XXXX In XXXX, I ported my phone number from XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXX stated XXXX XXXX XXXX  would XXXX XXXX XXXX remaining balance with XXXX on my behalf. This balance was {$1300.00}. I was informed by XXXX XXXX XXXX that the payment would be processed directly, and no further action was needed on my part. Despite XXXX & XXXX assurances, XXXX has XXXX the {$1300.00} was unpaid, and has since appeared as a negative entry on my credit report. I have attempted to resolved this matter by contacting both XXXX XXXX XXXX and XXXX XXXX but my efforts has been unsuccessful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX XX/XX/XXXX CFPB XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Credit Report Inaccuracy Dear To Whom It May Concern ; I am writing to formally dispute inaccurate information listed on my credit report. Below are the details of the account and the specific inaccuracies I have identified : Account Name/Number : XXXX XXXX Inaccuracies : Balance Owed Discrepancy : XXXX reports a balance owed of {$8500.00} as of XX/XX/XXXX, while XXXX reports a balance of {$7900.00} as of XX/XX/XXXX. 
This discrepancy is significant and raises concerns about the accuracy of the data.

Please remove immediately if accounttcan not be properly verify the correct balance owed for this account.

Payment Status Discrepancy : XXXX lists the account as being 60 days past due, while XXXX indicates that the account is in good standing and lists the payment status as " Pays account as agreed. " This inconsistency needs to be addressed and removed if it can not be properly verified on both reports to reflect accurate information.

Requested Action : Please conduct a thorough investigation to verify the details of this account. Otherwise anything not verifiable I request that you remove any inaccuracies from my credit report or provide supporting documentation from the creditor to validate the current information on my credit report.. Enclosed, I have included a copy of my credit report highlighting the inaccuracies, as well as any supporting documentation that might assist with your investigation. I look forward to your prompt response regarding this matter. Please provide written confirmation of the investigation results within 30 days, as mandated by the Fair Credit Reporting Act ( FCRA ) .Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX Phone : ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: BOEING EMPLOYEES' CREDIT UNION
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act these accounts have violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15USC 1681 section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: CA

Complaint narrative:
I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.

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 2025-01-07 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: CA

Complaint narrative:
I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.

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 2025-01-07 00:00:00
Product: Mortgage — Conventional home 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: Selene Holdings LLC
State: NJ

Complaint narrative:
From the very beginning we want to know where the total of over XXXX XXXX went before our loan modification started they wont send us it broken down then all the payments they demanded before we locked in also there favorite line is late fees ( never late one time ) then corporate fees now our mortgage is about to go in default because we were supposed to get help with a lower payment now there up to XXXX a month just added almost XXXX to monthly payments we want everything broken down from payments made before we got excepted for the modification then all the payments they added more money to last mortgage XXXX added over XXXX grand into a payment plan I assume payable at end of loan this company Selene finance added that amount made our payments from XXXX to almost XXXX we are XXXX  living on ss and XXXX please dont just close this case like last claim we need answers now before they get our house they are curupt and if you ask for it I can send you pages and pages of complaints from poor other people that already lost there house we need something to be done to stop this fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: LA

Complaint narrative:
Consumer Name ; XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXXXXXX  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 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 US 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 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-01-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: LoanCare, LLC
State: FL

Complaint narrative:
I contacted loancare on XX/XX/XXXX as I was going through a hardship and they suggested a loan modification would be best. I was told that during the process I would not be reported to the credit bureaus ; unfortunately, that was untrue. The application for assistance was approved XX/XX/XXXX they received the signed documents on XX/XX/XXXX and the partial claim was recorded on XX/XX/XXXX and funds were disbursed XX/XX/XXXX. Despite completing the partial claim on XX/XX/XXXX they still reported me 60 days late for the month of XXXX to no fault of my own. I have been trying to get this removed since XXXX. Ive followed their procedures of mailing a letter to their dispute dept, I attached a copy of the notarized partial claim along with my credit report showing the inaccurate late reporting for the month of XX/XX/year> - these documents were received by their office XXXX XXXX, XXXX. I was told by several representatives that the turnaround for a response is XXXX business - that again was another lie. Its taken 30 days for a response- today, XXXX XXXX I contacted the lender again and was told they denied my dispute stating everything reported is accurate ; however, I spoke with someone in their escalation dept this evening and when I asked what information/documents they reviewed to come to the conclusion of their denial he was unable to provide that information to me stating that on his end hes not seeing that they are reporting me late for the month of XX/XX/year> which is completely false. They are asking that I resend all the documents yet again to their dispute dept and wait another 30 days!

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 2025-01-07 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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