vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-13 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: VA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Unisa, Inc
State: WA

Complaint narrative:
On Saturday XX/XX/XXXX, I received an alert from XXXX notifying me of a significant drop in my credit score. Upon reviewing my report, I discovered incorrect information that has caused my score to plummet from over XXXX to XXXX. This error is severely impacting me both financially and emotionally, especially as I am looking to refinancing my mortgage in the near term. 

The issue pertains to an entry labeled " UNISA Inc, '' which appears to reflect a collection account for some sort of education or student loan. The account is listed as having been opened in XX/XX/XXXX and closed within a month with a collection status. I have no relationship with or knowledge of UNISA Inc in my entire life, nor have I sought any education or student loans in XXXX. To make matters more baffling, the report indicates that something occurred on XX/XX/XXXX, XXXX that exact day, I was on a flight from XXXX to XXXX, completely disconnected from any activities that could have caused this entry. This situation appears to be a clear case of fraudulent or erroneous reporting. I have already filed a dispute with XXXX, and it is worth noting that such issues have occurred exclusively only with XXXX.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: OH

Complaint narrative:
Account Name ONLINE INFORMATION SERVI Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/year> Status Collection account. {$1100.00} past due as of XX/XX/year>. 
Status Updated XX/XX/year> Balance {$1100.00} Balance Updated XX/XX/year> Recent Payment - Monthly Payment - Original Balance {$1100.00} Original Creditor XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: SC

Complaint narrative:
I obtained a copy of my consumer report and notified these agencies multiple times, specifically on XX/XX/XXXX was my recent, about the items I disputed. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me, the consumer, as required by the Fair Credit Reporting Act. I sent my notice to these agencies, which included a FTC Identity Theft Report, A FTC Affidavit and I also filed a complaint with the CFPB. Along with this letter, I have also included an Affidavit of Truth to further substantiate my claim.

I explained the violations your agency committed under the FCRA, while informing your agency of the fact that these items were reported without my expressed, written consent. This leads to way of identity theft, which leads to a violation of the civil liability section of the FCRA, as I informed you in the previous notices, which I have attached once more again for your record! 

This is a FINAL NOTICE to give your agency an opportunity to correct this situation or I will be forced to protect my credit rating and file a lawsuit against your agency. I have proven to your agency on many occasions that these items are a violation of the FCRA and should in fact be DELETED but your agency continues to violate me so I dont know what else to do besides suing your agency at this point.

I have suffered emotional distress as a result of this matter and I demand this matter be resolved in a fair and equitable manner, which still hasnt been done

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: PA

Complaint narrative:
Hi mailed a letter to the credit bureaus to provide information of the debt /collections on my credit report and disputed the accounts. They did not provide the information validating these accounts and didnt not investigate when I submitted disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-01-13 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: PA

Complaint narrative:
Subject : Dispute of Inaccurate Information - Failure to Investigate in Violation of FCRA 605B And 611 Dear Experian, This letter serves as a formal dispute regarding inaccurate and unverifiable information on my credit report. Despite multiple attempts to address this matter, Experian has failed to conduct proper investigations and continues to report inaccurate information, in violation of the Fair Credit Reporting Act ( FCRA ) and as supported by the Consumer Financial Protection Bureau ( CFPB ) lawsuit against Experian for sham investigations. 
The disputed accounts ) include : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under FCRA 605B [ 15 U.S.C. 1681c-2 ], I am entitled to have fraudulent or unverifiable information blocked from my credit report upon providing proper notice. Additionally, the CFPB has documented Experian 's systemic failures to investigate disputes properly, including : Conducting sham investigations.

Failing to provide consumers with accurate or consistent investigation results.

Improperly reinserting deleted information.

I have attached supporting documentation to substantiate my claim, including [ list supporting documents, e.g., police report, identity theft affidavit, account statements, previous dispute correspondence, etc. 

DEMAND FOR RESOLUTION

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 2025-01-13 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:
I have two accounts with XXXX. 
1. I've never been late.

2 They have me being late twice in XXXX and XX/XX/year>. 
3. It shows as 120 days late.

You can't be late twice and 120 past due.

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 2025-01-13 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: NC

Complaint narrative:
I have two accounts with XXXX. 
1. I've never been late.

2 They have me being late twice in XXXX and XX/XX/year>. 
3. It shows as 120 days late.

You can't be late twice and 120 past due.

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 2025-01-13 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: NY

Complaint narrative:
XXXX XXXX, Social security number : ( XXXX ), Date of birth XXXX XXXX XXXX XXXXXX/XX/year>. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax Information Services LLC credit reporting agency , block information appearing on my consumer credit report that is the result of Identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of a closed personal credit card opened at XXXX XXXX on XXXX XXXX under the account number ( XXXX ). This account has resulted in a negative fraudulent account appearing on my consumer FICO credit report. I do not recognize the aforementioned account as reported. The aforementioned account appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. The aforementioned account are the result of identity theft an fraud. I have attached a copy of the FTC Identity Theft Criminal complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account are the result of Identity theft and fraud.

I have filed this CFPB complaint again due to Equifax Information Services LLC stating the account is under reinvestigation due to prior FTC report being invalid due to not having full account number which i have provided in this statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL

Complaint narrative:
On XX/XX/year> we started the process of getting an endorsement on an insurance repair check. Check was sent to the mortgage company and steps on the app were followed. Green checks showed in the loan care app, a few days later more documents were requested. All documents again submitted. After that, there has been nothing but back and forth with more documents and signatures than what was originally listed. We have called their customer service team and spoken to managers and resolutions team, all assuring us we only need one more thing before getting the funds released. It has been XXXX months, our roof is getting worse and we keep waiting. Called again today and we were told they have all documents. At this point we are so frustrated and we dont believe that will be the case. We need assistance.

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 2025-01-13 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: MD

Complaint narrative:
I am writing to formally dispute inaccuracies on my credit report, which remain unresolved despite repeated attempts over the past two years. These inaccuracies, which include accounts from XXXX XXXX ( Account # XXXX ... ), XXXX ( Account # XXXX ... ), XXXX XXXXXXXX XXXX ( Account # XXXX ... ), XXXX XXXXXXXX XXXX  ( Account # XXXX ... ), and XXXX XXXXXXXX ( Account # XXXX ... ), were previously corrected by XXXX over two years ago, but Experian has failed to update my file accordingly. Experian 's refusal to conduct a proper investigation and provide verifiable proof of these accounts violates my rights under the Fair Credit Reporting Act ( 15 U.S. Code 1681s2, 1681n, and 1681o ). The continued reporting of these inaccuracies has caused significant financial harm, including repeated credit denials, emotional distress, and reputational damage. I request immediate removal of these errors and demand verifiable proof ( an original Consumer Contract with my Signature on it ) of all disputed accounts. I sincerely urge you to give this matter your utmost attention and take swift action. Thank you in advance for your understanding and assistance.

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 2025-01-13 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: AL

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 2025-01-13 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: AL

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
Consumer complaint received 2025-01-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Had a fire in our home XX/XX/XXXX. Placed a claim with our Homeowners Insurance, XXXX XXXX and received funds for the Contents and Dwelling. As required by the mortgager, the Dwelling funds were sent to Wells Fargo for disbursement upon their approval process. A XXXX was already chosen and some work was performed. Wells Fargo disbursed {$10000.00}, of the almost {$90000.00} Dwelling funds. At this time the XXXX Wells Fargo inspection occurred and the XXXX had finished XXXX XXXX and the necessary demo work. Additional funds were necessary for the XXXX to continue work, following the initial {$10000.00} disbursement. An additional ~ {$38000.00} was required for the XXXX to continue work but no work could continue without the additional funds. This was explained to Wells Fargo on numerous occasions but the funds were denied based on the initial inspection not meeting a certain threshold for additional fund disbursement. Wells Fargo inevitably stated the funds may be released if a statement from the XXXX was submitted to them stating work wouldn't continue without additional funds. This was submitted but funds were still denied. Work hasn't been continued since early XXXX XXXX  XXXX. I have been provided numerous reasons as to why the additional funds will not be disbursed. It seems it depends on whom as speak with when calling. There is no assigned caseworker to our account at Wells Fargo. Everytime I call I usually speak to someone different and receive a different reason for additional funds not being provided and the house sits vacant, awaiting to be fixed. This is over XXXX years now since the fire.

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 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I have not supplied proof under the doctrine of estopper by silence, XXXX v XXXX ( mo ) XXXX XXXX XXXX, XXXX XXXX Presume that no proof of the alleged debt nor therefore any such debt, in fact therefore exists.

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 2025-01-13 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: MS

Complaint narrative:
I have not supplied proof under the doctrine of estopper by silence, XXXX v XXXX ( mo ) XXXX XXXX XXXX, XXXX XXXX Presume that no proof of the alleged debt nor therefore any such debt, in fact therefore exists.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: MS

Complaint narrative:
I have not supplied proof under the doctrine of estopper by silence, XXXX v XXXX ( mo ) XXXX XXXX XXXX, XXXX XXXX Presume that no proof of the alleged debt nor therefore any such debt, in fact therefore exists.

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 2025-01-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
I am writing to express my concern and dissatisfaction regarding the handling of my loan, which was originally obtained from XXXX XXXX  on XX/XX/XXXX and subsequently acquired by Citizens Bank. 



During the XXXX pandemic, like many others in the country, I was granted an extension on my loan. After the extension period, I resumed making payments on time without any issues. This continued even after Citizens bank took over the loan. My payments were timely up until XX/XX/XXXX. 



In XX/XX/XXXX, I was unexpectedly notified by Citizens bank that I must pay off the loan in full. I immediately contacted customer service for clarification. Unfortunately, I was subjected to hours of being transferred back and forth between representatives without resolution. Ultimately, I was informed that Citizens bank would not honor the extension terms established by the original lender, XXXX XXXX 


To make matters worse, when Citizens institution acquired my loan, I was not properly or timely informed of the acquisition or provided clear information about any changes to my loan terms. As a result, Citizens bank inaccurately reported one of my payments as late on my credit report. This was not due to any action or inaction on my part but rather Citizens banks failure to take the proper steps to ensure customers were informed. 


This situation has not only caused me financial inconvenience but has also negatively impacted my credit score, Citizen bank punishing me for an issue entirely outside my control. With all due respect, when will financial institutions of your magnitude take responsibility and accountability for such errors? 

It is truly unfortunate that I am left with no choice but too seek help from regulatory agencies to address this issue. This is a sad and disappointing situation, when I have done everything to remain in good standing with my loan obligations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
First, the company did close the account and issue a partial refund for interest paid because of the way payments were applied. This is not the issue.

The issue is that it is very difficult to know how much needs to be paid in order to avoid interest. The payment information section only shows the New Balance- which is not the amount due to avoid interest charges, it is the total balance owed. The minimum payment due is also not the amount needed to pay to avoid interest- if you only pay that, it is guaranteed you will have hefty interest charges if part of the balance includes deferred charges. 

To find the actual amount I need to pay in order to avoid interest charges, I need to turn to a different page with 2 tables. Then I need to look at one line ( just labeled Regular ) of the first table ( account balance summary ) and then also add whatever lines of that table that are shown in red. This is confusing as someone may think the red font is used to show how much must be paid. But that would not be correct- you have to know that the top line, in black and not called out in any way, also needs to be added and paid.

The first page does not say that the Regular amount from the table needs to be paid in full to avoid interest charges. This makes it confusing as the balance may be quite a bit different, depending on the promotional purchases that have been made.

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 2025-01-13 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: NV

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief