vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Subject : Complaint Regarding Incorrect Reporting of XXXX XXXX XXXX XXXX Dear Consumer Financial Protection Bureau , I am writing to file a complaint against XXXX regarding the inaccurate reporting of account XXXX XXXX  on my credit report. The account is currently listed as " Charged Off, '' which is incorrect and negatively impacting my credit score. 

According to the account information, the account was opened on XX/XX/XXXX, and closed. While the status is listed as " Charge-off '' with a status date of XX/XX/XXXX, the payment history does not reflect any activity that would lead to a legitimate charge-off. Specifically : Lack of Delinquency : The payment history shows only two instances of being 30 days late, in XXXXXXXX XXXX XXXXXX/XX/XXXX. There is no evidence of the extended period of delinquency ( typically 120-180 days ) required before an account is charged off. 

No Consistent Late Payments : Outside of those two months, the payment history indicates the account was generally paid on time. 

I contend that the " Charged Off '' status is inaccurate and unsubstantiated by the account 's payment history. I request that the CFPB investigate this matter and compel XXXX to : Provide documentation to support the " Charged Off '' status, including dates of delinquency and the date the charge-off was applied. 

Correct the inaccurate reporting on my credit report by removing the " Charged Off '' status. 

I have attached a copy of my account statement as evidence to support my claim. 

Thank you for your time and attention to this matter. I look forward to your prompt resolution of this complaint.

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 2025-02-20 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: WI

Complaint narrative:
Subject : Complaint Regarding Incorrect Reporting of XXXX XXXX XXXX XXXX Dear Consumer Financial Protection Bureau , I am writing to file a complaint against XXXX regarding the inaccurate reporting of account # XXXX on my credit report. The account is currently listed as " Charged Off, '' which is incorrect and negatively impacting my credit score. 

According to the account information, the account was opened on XX/XX/XXXX, and closed. While the status is listed as " Charge-off '' with a status date of XX/XX/XXXX, the payment history does not reflect any activity that would lead to a legitimate charge-off. Specifically : Lack of Delinquency : The payment history shows only two instances of being 30 days late, in XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX. There is no evidence of the extended period of delinquency ( typically 120-180 days ) required before an account is charged off. 

No Consistent Late Payments : Outside of those two months, the payment history indicates the account was generally paid on time. 

I contend that the " Charged Off '' status is inaccurate and unsubstantiated by the account 's payment history. I request that the CFPB investigate this matter and compel XXXX to : Provide documentation to support the " Charged Off '' status, including dates of delinquency and the date the charge-off was applied. 

Correct the inaccurate reporting on my credit report by removing the " Charged Off '' status. 

I have attached a copy of my account statement as evidence to support my claim. 

Thank you for your time and attention to this matter. I look forward to your prompt resolution of this complaint.

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 2025-02-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
I had a late payment in XXXX but I made my account current by XXXX but looks like a delinquency report was sent out. I do not have delinquency on my account anymore. My account is up to date and in face I never had a history of late payment on my account. This needs to be updated.

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 2025-02-20 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: MA

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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 filing a formal complaint against the credit reporting agencies for failing to remove the account XXXX XXXX XXXX from my credit report, despite clear evidence of inaccurate and inconsistent reporting in violation of the Fair Credit Reporting Act ( FCRA ). 

This account is reporting different open dates and different dates last active across each credit bureau, which is a direct violation of the FCRAs requirement for complete and accurate reporting. Additionally, the company has failed to validate this account, and I have documented proof from the XXXX XXXX XXXX ( XXXX  ) confirming that multiple attempts to obtain a response from the business were unsuccessful. The XXXX  has officially closed the complaint as UNANSWERED, and this non-response is now publicly recorded, negatively impacting the company 's rating for the next three years. 

Furthermore, this account was discharged in bankruptcy, meaning it should not be reporting on my credit file. The company is aware of this, which is why they have refused to respond to validation requests. 

I am demanding the immediate removal of this unverified, inaccurate, and improperly reported account from my credit report. Failure to comply will result in further legal action against the credit reporting agencies for violating the FCRA and my consumer rights.

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 2025-02-20 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:
My personal information was breached in the Equifax data breach. Adverse information was furnished to my consumer FICO report. Please review the attached items for more details. I expect these fraudulent accounts to be removed in XXXX business days according to the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing a formal complaint against the credit reporting agencies for failing to remove the account XXXX XXXX XXXX XXXX XXXX from my credit report, despite clear evidence of inaccurate and inconsistent reporting in violation of the Fair Credit Reporting Act ( FCRA ). This account is reporting different open dates and different dates last active across each credit bureau, which is a direct violation of the FCRAs requirement for complete and accurate reporting. This account is also reporting 120 days late which is another FDCPA and FCRA violation as collection accounts can not report past due. Additionally, the company has failed to validate this account, and I have documented proof from the XXXX XXXX XXXX XXXX XXXX XXXX  confirming that multiple attempts to obtain a response from the business were unsuccessful. The XXXX has officially closed the complaint as UNANSWERED, and this non-response is now publicly recorded, negatively impacting the company 's rating for the next three years. Furthermore, this account was discharged in bankruptcy, meaning it should not be reporting on my credit file. The company is aware of this, which is why they have refused to respond to validation requests. I am demanding the immediate removal of this unverified, inaccurate, and improperly reported account from my credit report. Failure to comply will result in further legal action against the credit reporting agencies for violating the FCRA and my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: CO

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-02-20 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings
State: TX

Complaint narrative:
I previously filed a complaint against this agency after one of their agents refused to send me proof of the debt via email for which someone from their agency has replied to already. However, I am now submitting a new complaint because I keep receiving notifications from XXXX XXXX and XXXX every few weeks indicating that IQ Data International is increasing the balance they claim I owe. To clarify, I should not have left XXXX XXXX XXXX  with an outstanding balance of over {$6000.00} ; that figure was falsely reported to collections by the landlord, but thats a separate issue. I also came across some information online stating that IQ Data International settled a lawsuit last year in XXXX  DC for over {$4.00} XXXX for similar practices. I believe that IQ Data International is violating the federal Fair Debt Collection Practices Act by attempting to collect alleged debts and improperly adding interest to my account from the day I moved out. These alleged debts were considered unliquidated and shouldnt be subject to prejudgment interest. 

P.S. 

I wanted to mention that during my last conversation with an agent from this agency, I clearly stated that I do not owe this balance. Unfortunately, the agent didn't acknowledge my statement and continued to press for payment instead.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CCF Intermediate Holdings LLC
State: UT

Complaint narrative:
They are calling me, which is normal. But if I'm not picking up they call literally anyone who even remotely is connected to me. They've called both my parents, my ex-husband, my son ( who's XXXX ). None of these people are on the debt, nor are ANY of their contact information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX  XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish any account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I am writing in reference to the collection activities currently being pursued by your company regarding the allege debt associated with account number XXXX with an amount of XXXX. I dispute the validity of this debt and request that you immediately cease and desist from any further collection activities until you have provided me with the following documents 1. Forward Flow Agreement : A copy of the original Forward Flow agreement that demonstrates the transfer of the debt from the original creditor to LVNV Funding LLC ( not the bill of sales ). 
2.Change of Assignment : Documentation that clearly shows the chain of assignment for this debt, including any documents that details the assignment of the debt to LVNV Funding LLC .

Please be advise that, under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of the debt, and you are required to cease all collection activities until this verification is provided. I request that you send me the required documentation within 15 days of receiving this letter. I request that you immediately cease all collection activities related to this matter and remove any negative reporting to/from the 3 credit bureaus. failure to comply with my request will result in me considering further actions to protect my legal rights This request is made pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Debt Collection Practices Act. Please confirm receipt of this letter and provide me with the requested documentation at the earliest.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NE

Complaint narrative:
I sold my house and the title company sent a check to Mohela on XX/XX/XXXXXXXX XXXX XXXX Check number XXXX. Mohela cashed the check on XX/XX/XXXXXXXX Check included my name and Social security number. My account has still not reflected this payment. If they are not showing this in my account they need to refund the money ASAP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: IL

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 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 2025-02-20 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: CO

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: OK

Complaint narrative:
I started paying in XXXXXXXX XXXX XXXX, set up a payment plan monthly and was offered the amount of XXXX to be paid overtime. Set up payments to auto draft from my account. I received emails saying when my next payment was due and the amount coming out but i noticed the remaining balance was not going down with each payment. I set up low monthly payments due to a financial hardship i am in currently. I cancelled my payment plan today XX/XX/XXXX and contacted Midland Credit Management when there i was told my balance was now XXXX. I asked to settle the account in a one time payment and asked about my previous payments and why the balance was not going down and the lady told me there was no avail settlement and she disconnected the chat. My questions about the payments or why my balance was not going down was not answered. I started my own digging and found my email receipts for all my payments and my amount remaining says XXXX as of today XX/XX/XXXX. I tried reaching out again to get some answers and was hung up on. I am trying to take care of a balance and i am getting no correct or same answer from their employers. I feel like they are trying to get more money out of people by being so short and disconnecting chats instead of trying to work something out with someone who is making an effort to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I took my car for repairs. I was told that I would need a new motor. I was informed that the cost would be XXXX. I agreed to that price and left my vehicle to be fixed. Due to me needing a new motor I was told that I would need to pay the cost of the actual motor upfront. I paid XXXX for the motor cash. When it was time to pick up the vehicle I was informed that the balance was XXXX. I received this via text after the increase in price was applied. I advised them at that time that I would be there to get my car, but that was not the agreed upon price. I go to pick the car up and the check engine light and the D shifting light is blinking as well as the car making a sound. I advised them that was not the agreed upon price and the owner said I had to pay it or not get my vehicle. I was never informed prior to of the increase in charges. I go to pay the remaining balance and see a charge for XXXX which I did not authorize.The vehicle was never fixed correctly and the charge for that amount was never authorized by me. I was sent an invoice a few hours after for the price of XXXX. That was not even the price I paid so it makes me wonder are they washing money or something at this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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: KY

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