vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand XXXX XXXX to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
I had signed up for a subscription using my XXXX credit card. I closed the card, but the subscription charged again several months later. I tried to dispute, but XXXX sold its credit card line of business to another company. That new company did not acknowledge the dispute, and continued to bill me. I do not know who currently holds the debt, but it continues to show on my credit report. 

LVNV FUNDING LLC Original creditor : XXXX XXXX XXXX XXXX Amount : {$300.00} Account name LVNV FUNDING LLC Account number XXXX Original creditor XXXX XXXX XXXX XXXX Company sold - Account type Debt Buyer Date opened XX/XX/XXXX Status Collection account. {$300.00} past due as of XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act the account XXXX XXXX XXXX XXXX XXXX has violated my rights. 

U.C.S. 1681 Section 602 A states that I have the right to privacy U.C.S. 1681 Section 602 A Section 2 its also states that a consumer reporting agency can not furnish a account without my writing instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: BROKER SOLUTIONS, INC.
State: NJ

Complaint narrative:
I inquired about the assumption of my mortgage loan with New American Funding ( NAF ) due to divorce from co-borrower. I was provided an application packet and given specific instructions and assurances. I followed all steps to the letter and prior to closing, I was advised that I was no longer eligible to assume the loan for a reason that was inconsistent with the assumption of loan application materials provided by NAF and what I had been specifically advised by NAF representatives earlier. Specifically, I was advised that the taking of a separate, independent home equity loan with a different lender changed the terms of my loan with NAF and therefore made the loan no longer assumable. When I asked what in my NAF loan documents or the assumption of mortgage application materials provided by NAF indicated how an independent, subsequent, subordinate home equity loan changed the terms of my original mortgage loan with NAF, I was not provided with any explanation other than that it was " investor guidelines. '' Making this denial even more egregious is that I was specifically advised I should take out any home equity loan BEFORE the assumption process by a NAF representative. I have this representation made to me in writing and can provide proof. I therefore, relied on the representation of the NAF in taking out the home equity loan. Therefore, even taking their explanation as true ( which is itself not admitted because it does not make sense that a subsequent loan changed the terms of my NAF loan and there is nothing in my NAF loan documents that indicates this ), I would not have been in that situation had I not been incorrectly advised by the NAF representative and therefore relied to my detriment on their misrepresentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: 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:
The persistent presence of fraudulent, inaccurate, and misleading information on my consumer report continues to wreak havoc on my financial and emotional wellbeing, despite my repeated efforts to address these unauthorized entries. As a victim of identity theft, I never authorized or consented to these items being associated with my name, yet their continued presence has created an overwhelming burden of stress and anxiety that affects every aspect of my daily life. The psychological impact of watching these fraudulent entries damage my credit standing, despite my best efforts to resolve the situation, has become increasingly difficult to bear.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: GUARANTEED RATE INC.
State: AL

Complaint narrative:
Loan transferring to new provider. Old provider instructed me to pay new provider on XXXXXX/XX/year> and then still auto drafted payment on same date. Old provider refusing to refund auto drafted payment even though they explicitly instructed me to pay new provider.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
This secondary CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681b, c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of you reporting inaccurate, incorrect, unverifiable information, identity theft and fraud within 4 business days of you receiving this complaint. The inaccurate, incorrect and unverifiable account information as well as negative payment history and some hard inquiries that I do not recognize and that do not have permissible purpose to be on my Fico Consumer credit report in accordance with Fair Credit Reporting Act. These violations of my rights and the Fair Credit Reporting Act must be deleted immediately! These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. The ACCOUNTS are as follows : closed XXXX  XXXX account number XXXX opened on XX/XX/XXXX with 13 months of inaccurate negative payment history and collections account XXXX XXXX XXXX account number XXXX opened on XX/XX/XXXX with 2 months of inaccurate negative payment history. The fraudulent hard inquiries appearing on my consumer FICO credit report are as follows : [ XXXX XXXX on XX/XX/XXXX ], [ XXXX on XX/XX/XXXX ], [ XXXX XXXX  on XX/XX/XXXX ], [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ], [ XXXX BANK on XX/XX/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 on XX/XX/XXXX ], and finally [ XXXXXXXX XXXX  on XX/XX/XXXX ]. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me therefore you are in violation of my rights protected by FCRA 605B ( 15 U.S.C. 1681b, c-2 ) and these items illegally reported must be deleted immediately! All of the aforementioned accounts, collections, and hard inquiries are the result of you reporting inaccurate, incorrect, unverifiable information, identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of you reporting inaccurate, incorrect, unverifiable information, identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
TO WHOM IT MAY CONCERN, XXXX XXXX XXXX HAS REPORTED A LATE PAYMENT TO THE CREDIT BUREAUS WHICH IS INACCURATE AND INCORRECT INFORMATION ON MY CREDIT REPORT. THE MONTHLY PAYMENT FOR THIS AUTO LOAN IS THE XXXX OF THE MONTH, WHICH I HAVE PAID THE AMOUNT ON THE XXXX. XXXX XXXX XXXX HAS REPORTED THIS FALSE INFORMATION ON MY CREDIT REPORT AND IT NEEDS TO BE REMOVED IMMEDIATELY. I HAVE FILED THE PROPER DOCUMENTS AND ATTACHED THE PROOF OF PAYMENT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Block, Inc.
State: CA

Complaint narrative:
In XX/XX/year>, I received a debit card from Cash App and correspondence regarding a Cash App account. This account is fraudulent and opened without my knowledge. I was in touch with Cash App Customer Service multiple times ; first via phone call, and then through email. On XX/XX/XXXX, I submitted a written request to Cash App to close the account, though a XXXX XXXX link provided by costumer service. I received no confirmation that the account was closed, and instead heard from customer service that they needed more information to confirm that the account is closed and card is deactivated. I've taken the initial steps specified by Cash App, however, now appear to be stuck in a repeating loop with customer service, despite that common sense would dictate they have all the information they need to close the fraudulent account and cancel the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Hello, Im writing this letter to request an update to the status of my account with XXXX. Please mark the following transactions as Paid as Agreed. The coding on the accounts shows up as " closed '' collection accounts even though they never went to collections. Please update the reporting as we are in process of purchasing a home and it is delaying the underwriting process. 


Loan ID Numbers : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you, 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 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
ubject : Dispute of Account and Identity Fraud ( Account : XXXX ) Dear [ Credit Bureau Name ], I am writing to dispute the validity of an account that appears on my credit report and to formally request validation of the following account, which I believe is a result of identity fraud : Account Name : XXXX XXXX XXXX XXXXXXXXXXXX XXXX Account Number : XXXX This account is not mine, and I have never authorized or opened any accounts with this entity. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ), I am requesting that you provide the following verification and documentation for this account : A copy of the signed contract or agreement related to the account. Proof of any payments or transactions associated with the account. Any identifying information you have on record that would associate this account with me. Additionally, under 12 C.F.R. 1022.41 ( Regulation V ), which enforces compliance with the Consumer Financial Protection Bureau ( CFPB ), I am requesting that this account be removed from my credit report due to the fact that it is fraudulent and affecting my financial well-being. The erroneous reporting of this account is causing harm to my credit, and I request it be corrected immediately. Please treat this as a formal dispute and investigate this account. If this account can not be validated, I request that it be permanently removed from my credit report in compliance with 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). Failure to remove this fraudulent information will result in further action, including a potential lawsuit by my attorney, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. This is a serious matter, and I will hold both your company and the reporting party accountable under CFPB laws, FCRA, and applicable state and federal regulations. Please provide a response within 30 days as required by 15 U.S.C. 1681i ( a ). If I do not receive a satisfactory resolution, I will pursue all available legal remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Re : Debt Dispute - Violation of 15 U.S.C. 1692c XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to formally dispute the debt listed under the account numbers listed above, that you are attempting to collect on. Under 15 U.S.C. 1692c, the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you cease and desist from communicating with me about this alleged debt via any means, including but not limited to phone calls, mail, or electronic communication.

I believe this debt may be inaccurate or otherwise not mine, and I request verification of the debt, including documentation proving that I owe the debt and the correct amount, as outlined in 15 U.S.C. 1692g ( a ).

Additionally, under 15 U.S.C. 1692c ( c ), once a consumer has notified a debt collector in writing to cease communication, they are prohibited from continuing to contact the consumer, except under specific circumstances. Therefore, I expect no further communications from you unless you are providing me with the required verification documents as requested.

Please note that if you do not comply with these regulations or continue to attempt to collect on this debt without providing verification, I will consider pursuing further action, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General office. 



Thank you for your prompt attention to this matter. 



Sincerely, 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 non-monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The credit report is still showing XXXX AND XXXX accounts as charge offs. I have paid off these accounts in full dealing with the banks directly and there is no outstanding balance on any of these accounts. Please note the details below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request to review these and ensure they don't show up as charge off on my credit report going forward. Thank you in advance for your understanding and help 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 non-monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The credit report is still showing XXXX AND XXXX accounts as charge offs. I have paid off these accounts in full dealing with the banks directly and there is no outstanding balance on any of these accounts. Please note the details below : XXXX XXXX XXXXXXXX AMOUNT PAID IN FULL- {$7700.00} XXXX XXXX XXXX  AMOUNT PAID IN FULL - {$3500.00} I request to review these and ensure they don't show up as charge off on my credit report going forward. Thank you in advance for your understanding and help XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I received a communication from Resurgent Capital Services, acting on behalf of LVNV Funding, regarding an alleged utility debt associated with Account Number XXXX. The stated amount owed was {$930.00}. The communication included billing statements but lacked comprehensive documentation to validate the debt. 

In response, I sent a formal dispute letter to Resurgent/LVNV Funding, requesting complete and verifiable documentation to confirm the validity and legality of the accounts reporting. Specifically, I requested : Full Double-Entry Accounting Records : Authenticated records detailing all charges, payments, and credits applied to the account, with a clear breakdown of how the {$930.00} balance was calculated and tied to me. 
Legal Documentation Establishing the Right to Collect and Report : The original service agreement or contract between myself and the original creditor ( XXXX XXXX XXXX XXXXXXXX. ), and if the debt was transferred or purchased, the full chain of title showing XXXX 's legal right to collect and report this debt. 
IRS Form XXXX ( if Applicable ) : A copy of the XXXX form submitted to the IRS, as required for canceled debt exceeding {$600.00}, if the debt was canceled, forgiven, or settled for less than the full amount. 
I requested a written response within 30 days, confirming whether Resurgent/LVNV Funding would validate the account or delete it from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
It has come to my attention that my personal information was exposed in a national data breach, compromising my sensitive data. Upon reviewing my credit reports, I identified accounts that I do not recognize or recall opening. I submitted a request to the Consumer Reporting Agencies ( CRAs ) for validation of these accounts ; however, the required documentation has not been provided as mandated under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ). This failure to validate the information and the presence of unverified accounts on my credit report raises significant concerns about the accuracy and security of the data being reported. To address this matter, I have filed an FTC complaint regarding the breach and the unrecognized accounts and attached supporting evidence, including my government-issued ID, a copy of the FTC complaint , the National Data Breach Notification report, and a prior Validation of Debt letter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are two ( 2 ) accounts reporting with the same account number ( 1 ) Account Name : XXXX XXXX XXXX Account Number : XXXX and ( XXXX ) Account Name : XXXX XXXX XXXXXXXX Account XXXX : XXXX. Both accounts are one in the same and are reporting to the same Credit Reporting Agency with Inaccurate Data as highlighted on the Transunion Credit Report. The inaccuracies are highly injurious to my credit report and score. In accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Subsection A-D. If the information is coming from the original creditor all information should be the same. We can not say these accounts are 100 % accurate so it is deemed INACCURATE. Please delete these accounts from my report. 
Account Name : XXXX XXXX Account XXXX : XXXX Mortgages LLC Account Number : XXXX Account Number : XXXX Balance : {$120000.00} Balance : {$120000.00} Date Opened : XX/XX/XXXX Date Opened : XX/XX/XXXX In the remarks you claim the account is in Forbearance, but in the payment history you are reporting XX/XX/XXXX and XX/XX/XXXX both 60 days late. How can both of these be correct? Which one is right? Which one is wrong? Are they both wrong? Fix this or delete the entire account. 
You say the date of last payment was XX/XX/XXXX but on your payment history you have 60 days late for XX/XX/XXXX ( XXXX ). How can a payment be made in XXXX and the account is 60 days late at the same time? That makes no sense to me. How do you explain this? Is the date of last payment correct? Is the account 60 days past due are you seriously saying I made a payment in XXXX and I was also 60 days past due? Base on this clear inaccuracy I request you delete the entire accounts from my Credit Report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
The credit reporting agency furnished debts that are paid and have not been validated or verified and inquiries that have no permissible purpose on my report.

Company response to consumer: Closed with explanation