vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-05 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance {$6000.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX Balance {$1800.00} Open Date XX/XX/XXXXXXXX XXXX XXXX Balance {$1500.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$1300.00} Open Date XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Balance {$1200.00} Open Date XX/XX/XXXX XXXXXXXX XXXX XXXX  Balance {$0.00} Open Date XXXX XXXX, XXXX Inquiries XXXX XXXX  Date XX/XX/XXXX XXXXXXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX  Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXXXXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX  Date XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date XX/XX/XXXXXXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/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 2025-04-05 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 filed a dispute on XXXX XXXX account XXXX due to incorrect information reported. Experian had deleted the account off my credit score from their investigation from XX/XX/XXXX, but now the account has been readded to my credit report. Experian is denying to follow up with the investigation. I have tried contacted the company for verification of account multiple times and have not received any response from them. I have sent multiple emails to their support email for assistance regarding the account with no response. Experian refuses to delete the account off my account without verifying the information. Experians investigation is incorrect and incomplete. I recently was notified that CFPB has filed a lawsuit against the company Experian. They have alleged the company is accepting unreliable information and fails to notify consumer dispute results. This aligns well with my current situation. Experian has not attempted to remove nor correct any information that I have disputed. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting a house. Experian is violating my rights as a consumer, as well as federal laws.

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 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am XXXX XXXX XXXX XXXX, a veteran of the United States Military and a verified victim of identity theft. I am writing to issue this formal and final demand under the Fair Credit Reporting Act ( FCRA ) and federal law for the immediate deletion of all fraudulent, inaccurate, and unauthorized information from my consumer credit reports.our failure to maintain accurate information, investigate disputes, and prevent further harm violates the following federal statutes : 15 U.S.C. 1681b No Permissible Purpose You allowed access to my report without my consent. 

15 U.S.C. 1681e ( b ) Failure to Ensure Accuracy You reported false information that is damaging and incorrect.

15 U.S.C. 1681i Failure to Investigate You are required to reinvestigate any disputed items within 30 days. This is non-negotiable.

15 U.S.C. 1681n Willful Noncompliance Your continued reporting of incorrect data after notice is willful and exposes you to statutory, actual, and punitive damages.

15 U.S.C. 1681o Negligent Noncompliance Even negligent failure to correct this false data is grounds for civil liability.

15 U.S.C. 1681g Incomplete Disclosures You have not properly disclosed all data you are reporting on me.

FCRA 508 15 U.S.C. 1681v If you claim any of this information is being preserved for law enforcement or governmental use, you must disclose that in writing within 4 days, as required by law.

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 2025-04-05 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: OH

Complaint narrative:
account number XXXX correct this account and remover my late payments, for inaccuracy because there's no late payment. Credit repair act 15 USC 1681 section 602 an 15 USC 1681 section 2.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 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: OH

Complaint narrative:
account number XXXX correct this account and remover my late payments, for inaccuracy because there's no late payment. Credit repair act 15 USC 1681 section 602 an 15 USC 1681 section 2.

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 2025-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
XX/XX/XXXX, regarding my loan modification request and the Net Present Value ( " NPV '' ) evaluation case # XXXX in the request was asked to submit current appraisal. 
Current appraisal report conducted by a certified appraiser in Maryland, which establishes the property value at {$810000.00} submitted XX/XX/XXXX. This updated valuation should be used for any re-evaluation of the NPV calculation, as the previous NTV ( Net Tangible Value ) assessment was based on an appraisal of {$910000.00}. Given the lower current valuation, my qualification under the investors guidelines should now be reconsidered accordingly. 

Concerns Regarding the NPV Calculation : Incorrect Property Valuation in NPV Assessment : PHH prior NPV calculation was based on an inflated appraisal of {$910000.00}, whereas the current certified appraisal values the property at {$810000.00}. 

This significant change directly impacts the NPV evaluation, making me eligible under the investors modification criteria. 

Investor Guidelines & Qualification for Modification : Given that the NTV threshold is now met, my loan should qualify for modification under the applicable investors requirements. 

I request that you recalculate the NPV using the updated appraisal value and confirm that I am now eligible under investor modification standards. 

And Request for Foreclosure Suspension & Immediate Review : As PHH letter states, foreclosure action should not proceed if material inaccuracies in the NPV calculation are identified. 

Since my homes valuation is significantly lower than the previous figure used in your analysis, I request written confirmation that no foreclosure action will take place until the NPV is re-evaluated with the correct input. NO RESPONCE YET. 

2 ) Questionable Appraisal and NPV Calculations done Two appraisals by PHH in XXXX yielded dramatically different values : XX/XX/XXXX : {$680000.00} ( see attached ) XX/XX/XXXX : {$910000.00} see attached ) A difference of over {$230000.00} in six months, with no structural improvements made to the home, suggests manipulation or gross negligence in valuationresulting in my loan modification being improperly denied under the Net Present Value ( NPV ) test. 

This practice not only violates basic standards of fairness but may constitute an abuse of discretion or intentional misrepresentation under federal servicing guidelines. 

4. foreclosure action in Maryland Circuit Court The foreclosure action currently ( XXXX XXXX. XXXX ) names me as a defendant in a foreclosure process initiated without proper assignment, endorsement, or lawful standing. 

The filing attorney is XXXX XXXX XXXX, XXXX, XXXX # XXXX Phone : ( XXXX ) XXXX Direct : ( XXXX ) XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My claim was XXXX submitted on XX/XX/year> and it was denied because of pin use but my purse was stolen and my pin number was written down on a paper in my purse because I have a bad memory please give me my refund these transactions were not made by me or anyone that i authorized

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 monetary relief
Consumer complaint received 2025-04-05 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: GREENSKY OPERATIONS, LLC
State: PA

Complaint narrative:
This letter serves as a formal demand for the immediate correction of inaccurate information that GreenSky has reported to XXXX, XXXX XXXX XXXX, specifically regarding account # : XXXX XXXX XXXX XXXX As you are aware, I previously disputed this information, providing you with documentation proving the inaccuracy of the reported late / missed payments. Despite this, the erroneous information remains on my credit report, causing me and my family significant harm. 

You have finally sent me proof of signature, after over 20 requests, which is not my signature. 

You can clearly see here in an official IRS document, that this is my signature. 


You have a very poor system of approving people for finance and not notifying them. 
To repeat, when my loan was activated, you Had a fraudulent signature and approval Had the wrong address ( which is why I never saw any paperwork ) Never emailed me with any documentation I had perfect credit and was in the middle of a refinance to help support XXXX  bills for my daughter with XXXX XXXX. You are costing her a XXXX XXXX. 

Your failure to correct this inaccurate reporting violates the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting be accurate and that companies promptly correct errors upon notification. 

I demand that you : Immediately remove the inaccurate information from my credit report with all credit bureaus to which it was reported. 

Provide me with written confirmation that the correction has been made within [ XXXX ] days of the date of this letter. 

Failure to comply with these demands will leave me no choice but to pursue all available legal remedies, including filing a lawsuit for damages, injunctive relief, and recovery of my attorney 's fees and costs. 

I urge you to take immediate action to rectify this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Submitted dispute with Transunion with XXXX XXXX XXXX ( XXXX XXXX XXXX ) in the amount of {$1100.00} on XX/XX/year>. On XX/XX/year> Transunion completed a dispute without supplying any proof.

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 2025-04-05 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: MI

Complaint narrative:
I, XXXX XXXX, am a victim of identity theft, request removal and deletion of the listed accounts on my credit report. The fraudulent accounts are as XXXX of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX date : XXXX XXXX XXXX. XXXX XXXX XXXX date : XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I have been a long-time customer of Bank of America ( for more than two decades ). As I have fully relocated out of the United States, I wanted to transfer the remaining funds ( US {$580.00} ) from my BoA account to my foreign account and close down the account. I spoke with BoA customer representatives to get assistance, and they explained that they could not close the account until the transfer was completed, which was understandable. The agent assisted me with doing the online transfer and I kept a copy of the transfer confirmation. Late last night ( XX/XX/XXXX ), I received a message from BoA stating that the transfer was cancelled, without any explanation, except saying " for more details, please contact Bank of America Customer Service by calling XXXX " When I went to the BoA website to log into my online account, I got an error message stating that online banking is not available to you at this time. I called the XXXX number, but was unable to get any real help or answers. Because I no longer live in the US, I no longer have the mobile number that was associated with my account for them to send me a code, and they claim there is NO other or alternate way to authenticate me, unless I show up in person to a Bank of America branch with two forms of ID. Therefore, they can not even access my account or speak to me about this issue, even if I provided my account information, debit card and PIN number. I've had some follow-up calls with them, including with their Fraud department, and they also could not help for the same reason. I still have NO idea why the transfer was cancelled and am in a conundrum because without any way to authenticate, they offer no other solution. This is frankly, unacceptable. They made no effort to try to contact me otherwise to discuss this matter or to request I contact them. It appears that they just shut down my account and blocked my access and are holding onto my funds. One agent suggested contacting the Bank of America office located in XXXX, XXXX, but they seem to be only a corporate office rather than a branch. I will endeavor to do that, but again, I am not sure if they will even be able to help me. I find it unacceptable that they refuse to offer any alternative method of authenticating someone in a situation like this, particularly under these circumstances.

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 2025-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ProCollect, Inc.
State: GA

Complaint narrative:
Complaint is against ProCollect, a 3rd party collection agency from XXXX Texas. I called so that I could figure out who or where the debt came from information was added to my credit report without my knowledge the agency never reached out to me by mail or phone to collect or make me aware of this debt. I called requesting proof but only received terrible customer service from a manger who came of very rude and disrespectful verbally with his words.

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 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
No such account, no card no letters nothing, pulling multiple credit reports, reporting balance on a card never received, now says charged off over 100 emails to XXXX XXXX XXXX woman demanding payment for fraud account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: OH

Complaint narrative:
account number XXXX correct this account and remover my late payments, for inaccuracy because there's no late payment. Credit repair act 15 USC 1681 section 602 an 15 USC 1681 section 2.

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 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Social Security Number : XXXX Equifax XXXX XXXX XXXX XXXX, XXXX  XXXX Dear Sir or Madam : I am the victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I did not authorize the opening of this credit card account, and did not make any transactions on this credit card account, and did not make any payments on this credit card account, and did not benefit from this credit card account. The account detailed below is not information relating to any transaction by me. 

Account that is the result of identity theft : XXXX XXXX  Account Type : Credit Card Date Opened : XXXX, XXXX, XXXX Open/Closed : Closed Status : Closed. {$180.00} past due as of XX/XX/XXXX Status Updated : XX/XX/XXXX Credit Usage : 22 % Balance : {$4000.00} Balance Updated : XX/XX/XXXX Last Payment Date : XX/XX/XXXX Credit Limit : {$18000.00} Monthly Payment : {$140.00} Past Due Amount : {$180.00} Highest Balance : {$18000.00} Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Please remove this information from my credit report within 4 business days of receiving this official letter and the attached enclosures. 

Enclosed are the following : A copy of my identity theft report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX XXXX Enclosures : Proof of Identity / Letter to Equifax Identity Theft Report Fair Credit Reporting Act Section 605B

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: MI

Complaint narrative:
I, XXXX XXXX, am a victim of identity theft, request removal and deletion of the listed accounts on my credit report. The fraudulent accounts are as followsXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX date : XXXX XXXX XXXX. XXXX XXXX XXXX date : XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: GA

Complaint narrative:
Please remove this fraudulent accounts from my credit report. I have never lived own property or open credit in XXXX XXXX. I also have never lived or own a mortgage at XXXX XXXX XXXX XXXX. Please remove those and update my address. I have included a copy of the identity theft report along with my Drivers License with my address and my SSN along with my passport. Under the law you are required to remove this and not report fraudulent information XXXX Date XXXX XX/XX/XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX  XXXX opene XX/XX/XXXX XXXX XXXX  Date XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX Date opened XX/XX/XXXXXXXX XXXX XXXX Date opened XX/XX/XXXXXXXX XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX  Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX  Date XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXXXXXX XXXX Date opened XX/XX/XXXX

Company response to consumer: Closed with explanation