vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXXr , SSN : XXXX, Date of Birth:XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency provide the method of verification for items disputed in my recent complaint. Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), I have the right to know the methods and sources used to verify the disputed information on my credit report. Please provide the following within 4 days of receipt of this letter : The source ( s ) of information used to verify the disputed items.

Documentation or evidence supporting the verification.

A detailed explanation of your verification process.

If you are unable to provide this, I request that the items in question be immediately deleted from my credit report, as required under FCRA 611 for unverifiable information. Non-compliance will result in legal action for willful and negligent violations of the FCRA. 
I have attached a copy of the items claimed to be verified, along with my previous FTC report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXXr , SSN : XXXX, Date of Birth:XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency provide the method of verification for items disputed in my recent complaint. Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), I have the right to know the methods and sources used to verify the disputed information on my credit report. Please provide the following within 4 days of receipt of this letter : The source ( s ) of information used to verify the disputed items.

Documentation or evidence supporting the verification.

A detailed explanation of your verification process.

If you are unable to provide this, I request that the items in question be immediately deleted from my credit report, as required under FCRA 611 for unverifiable information. Non-compliance will result in legal action for willful and negligent violations of the FCRA. 
I have attached a copy of the items claimed to be verified, along with my previous FTC report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
Approximately XXXX to XXXX months ago, I called Wells Fargo to dispute the interest charge for my car loan. I conducted my own payment calculation ( using the XXXX function in XXXX ) and concluded that the company was overstating the monthly payment. My request was escalated and routed to an agent named XXXX XXXX in the XXXX XXXX XXXX XXXX. XXXX XXXX called me to confirm my complaint and then sent me a letter in the mail confirming his interpretation of the method by which the monthly payment was calculated. My issue with this is that I'm disputing the monthly payment but XXXX XXXX used the APR that is incorrect to come up with this monthly payment. 

I called Wells Fargo approximately one week ago to speak to XXXX XXXX but was told that my case was closed. I called three separate times that day to speak to XXXX XXXX but could not get through even though I called his direct line. Each representative I spoke to told me that they would leave a message with XXXX XXXX to call me back. All the while, I had sent a formal request via fax to his office to formalize my compliant. Please see attached request.

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 2025-02-06 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: AZ

Complaint narrative:
On XX/XX/year>2025, I filed a formal dispute with Equifax regarding a XXXX XXXX charge-off appearing on my credit report. In my dispute, I specifically requested full validation of the account under FCRA 1681i and provided supporting documentation.

I explicitly requested : A signed agreement proving I agreed to be personally liable.

A full itemized account history, including transactions, interest, fees, and payments. 
Proof that XXXX XXXX still owns the debt or a chain of assignment if it has been sold. 
Confirmation of whether XXXX XXXX has written off the debt for tax purposes and issued a 1099-C. 
On XX/XX/scrub> 2025, Equifax responded stating that XXXX XXXX had " verified '' the account but failed to provide any of the requested documentation. Their response merely updated certain fields on the account without addressing my request for validation. This is not a reasonable investigation under FCRA 1681i ( a ) ( 1 ) ( A ), which requires Equifax to conduct a proper reinvestigation.

Since Equifax failed to properly validate the account, they are now in violation of FCRA 1681i ( a ) ( 5 ) ( A ), which mandates that any item that can not be verified must be deleted. Instead, Equifax continued reporting the charge-off without providing legally required documentation.

Requested Resolution : Immediate deletion of the unverifiable XXXX XXXX charge-off from my credit report. 
Written confirmation of deletion from Equifax. 
Assurance that the charge-off will not be reinserted into my credit file.

Equifax had ample opportunity to validate this account but failed to do so. At this stage, they are required to delete the item per federal law. I request that the CFPB compel Equifax to remove the charge-off immediately and ensure compliance with the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Selene Holdings LLC
State: OH

Complaint narrative:
I have been trying to apply for a modification for MONTHS. XX/XX/XXXX keeps saying they have not received my submission package, even though it has been sent 2 times to their email address for submissions, XXXX AND XXXX. 

The first package was emailed to them on XX/XX/XXXX. They waited to tell me on XXXX that nothing was recd, so it was emailed to them again. 

Today, XX/XX/XXXX, they said they again did not receive the emailed package, AGAIN. 

I have attached proof of the emails they have received. They are pushing me into foreclosure and saying they haven't recd my packages, even though the headers show there was no bounces or no pushbacks from the email servers. 

Embarrasingly, they are forcing me into doing an appraisal when I work for the county and all of the people in charge of my appraisal work with me as I work for the county ( the sheriff handles foreclosure appraisals here ). This should NEVER have happened nor gotten this far.

My counselor talked to the foreclosure attorney today, and he said that if XX/XX/XXXX had just reached out to him, he would have cancelled the appraisal, but they did not.

I really need help getting them to respond because this is getting scary. They can easily just tell consumers that they " didn't receive the package '' and foreclose. 

My hud counselor called in and tried to get a supervisor on the line to help mitigate this and do the right thing, but as soon as XXXX ( loss mit rep ) messaged the supervisor, she " read '' the instant message and left the chat. XXXX told us to send an email to the loss mitigation email asking a supervisor to stop the appraisal, so we did. No response, of course. 

I have attached my hardship package and the email confirmations showing they rec 'd my info, TWICE, at 2 different XX/XX/XXXXemail addresses. They also ignore the third party auth forms I have sent in at least 6 times since XX/XX/XXXX. 

I have the receipts showing there is no bounced emails to XX/XX/XXXX ; there is literally no excuse for this behavior - unless they are just trying to push me off and just sell my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: DE

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: MS

Complaint narrative:
Experian, XXXX, XXXX I have ask them to remove an account that is showing past due and it is not. The credit card has been paid in full and I have told them. That on my credit is causing my credit score to go down. And I have never been late on my payments.. XXXXXX/XX/XXXX is the name of the card that has been paid in full and now showing late.. XXXX XXXX.Both account are closed as well.

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 2025-02-06 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: MS

Complaint narrative:
XXXX, Equifax, XXXX I have ask them to remove an account that is showing past due and it is not. The credit card has been paid in full and I have told them. That on my credit is causing my credit score to go down. And I have never been late on my payments.. XXXXXX/XX/XXXX is the name of the card that has been paid in full and now showing late.. XXXX XXXX.Both account are closed as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
XXXX, XXXX, Tranunion I have ask them to remove an account that is showing past due and it is not. The credit card has been paid in full and I have told them. That on my credit is causing my credit score to go down. And I have never been late on my payments.. XXXXXX/XX/XXXX is the name of the card that has been paid in full and now showing late.. XXXX XXXX.Both account are closed as well.

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 2025-02-06 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:
Please ensure the unauthorized accounts are blocked and removed from my credit report promptly. I did not initiate these accounts and do not recognize them. Under USC 1681g, I formally request their removal within 15 days. Supporting documents are included for your consideration.

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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I found other addresses linked to my accounts and there was also a data breech that I was linked too. 
Starting XXXX or XXXX not sure.

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 2025-02-06 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:
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 2025-02-06 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: EQUIFAX, INC.
State: MI

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 explanation
Consumer complaint received 2025-02-06 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX Credit Bureau Name ( TransUnion, Experian, Equifax ) Subject : Request for ReInvestigation and Verification of Information To Whom It May Concern, I previously submitted a request for investigation under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) to All 3 Credit Reporting agencies XX/XX/XXXX regarding the following accounts : XX/XX/XXXX Original Creditor XX/XX/XXXXXXXX Account Number XXXX I recently received a response stating that the information has been " verified. '' I would like to understand the process used for this verification and request physical documentation supporting this determination. 

Under FCRA regulations, all reported information must be 100 % verifiable and accurate to remain on my credit report. I believe the All 3 Credit Bureaus has included unverifiable and inaccurate information, negatively impacting my credit score. If this erroneous information is not removed ( deleted ) from my report, I am prepared to take legal action.

I request that you do not update or re-verify this information without conducting a proper due diligence investigation. Please provide : 1. A written contract bearing my signature 2. Physical documentation supporting the validity of this debt ( screenshots or digital statements will not suffice ) This request is critical as my credit score is being unfairly affected by what I believe to be a reporting error. I kindly ask that you do not respond with a template letter but instead provide specific answers addressing my concerns.

Additionally, I would like to remind you of Dixon-Rollins v. Experian Information Solutions , Inc. ( 2010 ) and Miller v. Equifax Information Services LLC ( 2010 ), in which consumers won cases against credit bureaus due to inadequate investigations. These rulings set a precedent that credit reporting agencies must conduct thorough and fair investigations.

I expect a written response within 15 days of receipt of this letter. If I do not receive a satisfactory resolution, I will take further action to protect my credit rights. 

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 explanation
Consumer complaint received 2025-02-06 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: MO

Complaint narrative:
Subject : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear TransUnion Dispute Department , I am writing to formally dispute inaccurate information on my credit report under 12 CFR Part 1002 ( Regulation B of the Equal Credit Opportunity Act ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ).

Upon reviewing my credit report, I have identified factual errors in the reporting of the account from Premier Bankcard/First Premier ( Account Number : XXXX ) that violate my rights under federal law. 
Specific Errors Identified : Inaccurate Reporting of Delinquencies ( 12 CFR 1002.4 ( a ) Prohibited Misrepresentations ) The account was charged off in XX/XX/XXXX, but late payments continue to be reported through XX/XX/XXXX. 
Once an account is charged off, new missed payments should not be reported because the debt is no longer an active, revolving obligation. 
This misleading reporting creates continuous damage to my credit score and violates 12 CFR 1002.4 ( a ), which prohibits misrepresenting the status of a credit obligation.

Contradictory Account Information ( 12 CFR 1002.6 ( b ) ( 6 ) Accuracy of Information ) The account shows a credit limit of {$600.00}, but the reported balance after charge-off is {$920.00}, which exceeds the credit limit.

This suggests either improper reporting of fees or a balance that was inaccurately updated after charge-off.

This violates 12 CFR 1002.6 ( b ) ( 6 ), which requires credit information to be reported accurately, including correct balance and credit limit details.

Failure to Provide Accurate Account Status ( 12 CFR 1002.10 Furnishing of Credit Information ) The balance history shows that no payments have been made since at least XX/XX/XXXX, yet the report continues to mark the account as actively delinquent every month. 
If the charge-off occurred in XX/XX/XXXX, ongoing delinquencies should not be reported because the account is no longer accruing new missed payments. 
This failure to update the account properly violates 12 CFR 1002.10, which mandates that creditors ensure credit information is accurate and current.

Violation of My Consumer Rights Under 12 CFR Part 1002 : 12 CFR 1002.10 Furnishing of Credit Information requires that reported credit data must be correct and updated. The erroneous delinquency reporting violates this rule.

12 CFR 1002.9 Notifications requires that adverse actions based on credit reporting be properly communicated. This reporting error constitutes an adverse action that has not been properly disclosed.

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 2025-02-06 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: GA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-02-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
Hello, XXXX a XXXX XXXXXXXX XXXX XXXX and got completely taken advantage of with this company credit acceptance. I financed a 2011 XXXXXXXX XXXX from this dealership called XXXX XXXX XXXX XXXX. A month later the motor goes bad and they knew it was messed up when they sold it to me, they loaned the car for XXXX $ with a XXXX % interest rate. I was desperate for a car, I had no license or insurance either and they still gave me the car. Once the motor went bad, they didnt want to fix it at all and I was ahead of payments until it broke down I stopped paying it. The dealership long brothers shop closed down, so now I cant get in contact with anyone from the shop and they repoed the car. Now I have a huge repo balance on my credit report and it looks really bad.

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 2025-02-06 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: Credit Service Company
State: TX

Complaint narrative:
Medical Debt listed on my credit by XXXX XXXX XXXX in the amount of {$700.00}. It was reported on XX/XX/year> and should not be allowed to be on my credit report. Consumer Financial Protection Bureau ( CFPB ) prohibits this starting XX/XX/year>. This rule applies to all medical debt, regardless of the amount.

Company response to consumer: Untimely response