vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Avant Holding Company, Inc.
State: MO

Complaint narrative:
See attached letter sent to XXXXAVANT, first and foremost I DID NOT ever receive a card from this company, however they are reporting information on my 3 credit bureaus which is different on all 3. 

Your portal will not let me upload therefore here is a copy of the letter : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXXAvant XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Request for Accurate Reporting of Credit Information Account Number : XXXX Dear Sir/Madam, I am writing to formally request that you review the information being reported by XXXXAvant to the credit bureaus regarding my account. I recently obtained a copy of my credit report, and I noticed discrepancies related to the account referenced above. 
Specifically, the information being reported is inaccurate and does not reflect the true status of the account. First and foremost I did not ever receive a card nor use a card from this company. 
Here is the information being reported as you can see different information on each bureau : High Balance : XXXX {$75.00} XXXX {$75.00} XXXX {$300.00} Date of last activity : XXXX XX/XX/XXXX XXXX XX/XX/XXXX Date reported : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Date Opened : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Closed Date : XXXX XX/XX/XXXX Credit Limit : XXXX {$300.00} XXXX {$300.00} XXXX {$0.00} I respectfully request that you investigate this matter and remove all incorrect information that is being reported to the credit bureaus. 
Please remove the information with all the credit bureaus and confirm the deletion ( s ) in writing. If you need any further information from me to assist in the investigation, please do not hesitate to contact me at the address listed above. 
Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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: VANDERBILT MORTGAGE & FINANCE, INC
State: TX

Complaint narrative:
I have been dealing with this with XXXX and XXXX for years. Today marks over 6 years since I paid the loan off completely. Yet still dealing with XXXX making false claims. Now today XXXX reports a late payment from XX/XX/XXXX which is highly not true to go along with XXXX reporting one for XX/XX/XXXX which isnt true. This loan was paid in full enclosed after dealing with two hurricanes which left the house flooded and left us displaced which Vanderbilt through my insurance company put us in a hotel both times this account was never late, but yet almost 7 years later, still affects my credit history as being the only late payment on my report. I manage XXXX accounts all 100 % this account must be updated on all three credit bureaus to paid in full closed never late and any late payments reflecting be removed immediately. It has been almost 7 years. This is becoming highly disturbing and upsetting. Vanderbilt has put me in a position to where the only negative thing on my credit report is this one account from almost 7 years ago that was paid in full and closed in XXXX. There are no late payments. XXXX and XXXX needs to remove them. XXXX did the right thing they called. They spoke with the representative at Vanderbilt and got the answers. They needed incorrect at the same day.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: GA

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 Debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX ( b ) ( XXXX ). 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 XXXX XXXX XXXX of debt 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 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 XXXX - XXXX XXXX XXXX XXXX XXXX - IncorrectPersonal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - IncorrectPersonal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX A XXXX - Incorrect Personal

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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: GA

Complaint narrative:
I am writing to formally dispute inaccurate and unauthorized information on my credit report under my rights granted by the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ). After reviewing my credit report, I noticed incorrect details and an unknown collection balance that I do not recognize. I request that you investigate and remove these errors immediately. 

Disputed Information : Account Name : [ Creditor or Collection Agency Name ] Account Number : [ Last four digits if available ] Balance Reported : [ $ XXXX ] Reason for Dispute : This account contains incorrect information and/or does not belong to me. I have no knowledge of this balance or any outstanding debt with this entity. 

Under the FCRA, you are required to conduct a proper investigation and verify the accuracy of the reported information. If the account can not be verified as accurate, it must be removed from my credit report. 

Requested Action : 1. Investigate and verify the accuracy of this disputed account.

2. Provide me with any supporting documentation proving that this debt is valid and belongs to me.

3. Remove any inaccurate or unverifiable information from my credit report. 

I have attached copies of my identification, recent credit report, and any supporting documents related to this dispute. Please send me a written confirmation of your findings and any actions taken. If this matter is not resolved, I am prepared to escalate the issue with the Consumer Financial Protection Bureau ( CFPB ) or take legal action if necessary. 

Thank you for your prompt attention to this matter. I expect a response within the legally required 30-day period. 

Sincerely, [ Enclosures : Copy of ID, credit report highlighting the disputed account, any supporting documents ] Experian XXXX XXXX XXXX XXXX, XXXX  XXXX Equifax XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX  XXXX XXXX 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 2025-03-04 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: GA

Complaint narrative:
I am writing to formally dispute inaccurate and unauthorized information on my credit report under my rights granted by the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ). After reviewing my credit report, I noticed incorrect details and an unknown collection balance that I do not recognize. I request that you investigate and remove these errors immediately. 

Disputed Information : Account Name : [ Creditor or Collection Agency Name ] Account Number : [ Last four digits if available ] Balance Reported : [ $ XXXX ] Reason for Dispute : This account contains incorrect information and/or does not belong to me. I have no knowledge of this balance or any outstanding debt with this entity. 

Under the FCRA, you are required to conduct a proper investigation and verify the accuracy of the reported information. If the account can not be verified as accurate, it must be removed from my credit report. 

Requested Action : 1. Investigate and verify the accuracy of this disputed account.

2. Provide me with any supporting documentation proving that this debt is valid and belongs to me.

3. Remove any inaccurate or unverifiable information from my credit report. 

I have attached copies of my identification, recent credit report, and any supporting documents related to this dispute. Please send me a written confirmation of your findings and any actions taken. If this matter is not resolved, I am prepared to escalate the issue with the Consumer Financial Protection Bureau ( CFPB ) or take legal action if necessary. 

Thank you for your prompt attention to this matter. I expect a response within the legally required 30-day period. 

Sincerely, [ Enclosures : Copy of ID, credit report highlighting the disputed account, any supporting documents ] Experian XXXX XXXX XXXX XXXX, XXXX  XXXX Equifax XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX, XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Consumer Adjustment Company Incorporated
State: SC

Complaint narrative:
Subject : Formal Complaint and Dispute Against Collection Agency To Whom It May Concern, I am writing to formally dispute a debt reported by Consumer Adjustment Company that I believe to be inaccurate and in violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). The actions of Consumer Adjustment Company have resulted in undue stress and potential harm to my financial standing. I request immediate investigation and corrective action regarding their conduct.

Violations Cited : 15 USC 1692k ( a ) ( 2 ) ( A ) Statutory DamagesThe collection agency has engaged in unlawful debt collection practices, warranting statutory damages under this provision. The harassment and misrepresentation tactics they have employed justify financial penalties for their noncompliance.

15 USC 1692k ( a ) ( 3 ) Attorney Fees and CostsGiven the agency 's blatant disregard for consumer protection laws, I reserve the right to seek legal counsel and recover any associated costs resulting from their illegal actions. 

15 USC 1692d Harassment or AbuseThe collection agency has subjected me to unfair and harassing collection tactics, including [ list specific instances, such as repeated calls, threats, or abusive language ]. Such behavior violates my rights and is prohibited under federal law.

15 USC 1692e False or Misleading Representations [ Collection Agency Name ] has provided deceptive information regarding the alleged debt, including [ mention any inaccuracies, false threats, or misrepresentations they have made ]. This violates federal regulations and undermines fair debt collection practices.

Request for Resolution : I request that the Consumer Financial Protection Bureau take immediate action to : Investigate the practices of Consumer Adjustment Company.

Require the agency to cease all collection activities related to this disputed debt.

Remove any inaccurate or improperly reported information from my credit file.

Impose penalties for violations of federal law.

I have attached copies of all relevant documents, including correspondence with the collection agency and credit bureau disputes. I request written confirmation that this matter is being reviewed and that appropriate action will be taken.

If this issue is not resolved promptly, I will explore all legal avenues available to protect my consumer rights, including filing complaints with the Federal Trade Commission ( FTC ) and pursuing legal action.

Thank you for your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a case reference number for tracking purposes. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: MI

Complaint narrative:
I have been working with XXXX as my new XXXX  loan provider. Prior to them taking over from XXXX XXXX, I had always been on time with my payments. XXXX took over near the end of the pandemic and reached out to advise to me of that. Beyond that, I did not receive anything from them other than a monthly letter that I did not owe a balance due to the pausing on the XXXX  loans. Before the pause was supposed to end, I had attempted to reach out monthly to get in touch with them for manageable repayment options. This was prior to XX/XX/XXXX when I started doing my calls the first week of the month, but I did manage to call monthly from XX/XX/XXXX on, just not during the first week like now. XXXX 's phone lines were always busy and stated to call back later which yielded the same results during operating hours, and told me to call back when outside of their office hours. I was finally able to reach them in XXXX of XXXX and spoke to them about getting a different repayment amount and that I could get caught up with my past due as soon as they we able to confirm the new amount and allow me 3 months to get it paid back in full ( I have saved this amount so its ready to pay at anytime ). 
The repayment amount was never discussed with me prior to repayments starting back up and at that point, I was also sending letters to their return mailing provided with my statements asking them to reach out to me. I did receive what I think may have been calls from them, but they would cut out on the voicemail after 2 seconds of no sounds. I did manage to get an actually voicemail in XX/XX/XXXX and was playing phone tag with them as they called while I was working and did not answer my callbacks ( the line they provided was a main customer service line, not for the person handling my file ). 
I have at this time offered XXXX the amount past due in a full payment, which they did not take at this time and told me I would have to wait until they reached back out on the forbearance they put my loans in. 
I have completed my due diligence in reaching out, but XXXX has been unable to properly reach back out and provide assistance. Instead they have hurt my credit score by nearly XXXX points after spending the last 20 years building it so I could afford to get a home. I'm happy to not only pay my balance due, but a good faith payment of extra as well to get current and have this taken care of so my credit score can be restored to its pre-dinged amount. I did take the steps I needed to make sure I was paying on time, but fairly as well inline with my income. I'm also willing to withdraw this complaint as well if they are willing to get it resolved in that matter too. But I have little desire to have to rebuild something I worked hard for just because XXXX was unable to properly respond and get one of their customers taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: OH

Complaint narrative:
I am writing to formally express my concerns regarding Zelles 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, my financial institution 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 CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams.this lack of accountability and transparency is unacceptable and raises serious concerns about customer safety

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: NC

Complaint narrative:
Dear Transunion, Despite previous disputes and your failure to correct the inaccurate information on my credit report, this is a formal notice of intent to sue for continued violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Your companys repeated negligence has caused me significant financial and personal harm. If these inaccuracies are not resolved immediately, I will have no choice but to pursue legal action under the following statutes : FCRA 15 U.S. Code 1681n Civil Liability for Willful Noncompliance FCRA 15 U.S. Code 1681o Civil Liability for Negligent Noncompliance FDCPA 15 U.S. Code 1692k Civil Liability for Debt Collection Practices Violations

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
They have not verified my information and by law Im am not obligated to pay anything to Genesis Credit Management

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
When I sent in the payment of {$XXXX} they refused to accept it and shredded my cashiers check of {$XXXX} and {$XXXX} = {$XXXX} without telling me that they did this even in the letter that they sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute Regarding inaccurate information on my Credit Report. 

Dear : Experian I am writing to formally dispute inaccurate information on my credit report that I believe is harming my well-being. I am aware of my rights under the fair credit Reportind A hand request a thorough investigation into these inaccuracies, as required by Federal Law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly Investigate consumer disputes citing sham investigations and other unlawful practices These practices as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputes properly. 
Reinserting previously disputes and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports I am deeply concerned that my dispute may be mishandled in a similar manner.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: AZ

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 2025-03-04 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: AZ

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 explanation