vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-21 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: NC

Complaint narrative:
Provided information to show reporting was incorrect. Company confirmed information was incorrect, but said it will take 30 days to remove off credit report. I am in the process of purchasing a home and cant afford 30 day for removal, once I called and the documents were reviewed and confirmed, removal should be able to be removed in less time than 30 days. 
Company reported account as charge off and transferred when the account was never delinquent and always paid on time. the company sold the account to XXXX XXXX and if XXXX charged off the account and sold it to another company it had nothing to do with me and should not reflect on my credit report as a negative affect. This is erroneous and unfair and everyone should pay better attention and stop letting the consumer take the backlash for such errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: GA

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-04-21 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company 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 2025-04-21 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: AZ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company 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 2025-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
Mortgage company forced escrow after the fact for an unrealized lapse in coverage. I provided proof of XXXX and the company has failed to make the appopriate adjustments.

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 2025-04-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2025-04-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2025-04-21 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 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 non-monetary relief
Consumer complaint received 2025-04-21 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: OH

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: MA

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-04-21 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: PA

Complaint narrative:
Im writing because I recently checked my credit report and found some things that just arent right. There are a few inquiries and accounts listed that I never authorized or had anything to do with. I take my personal information and credit seriously, so seeing this was really concerning. To be clearI didnt give permission for these inquiries, and I have no connection to the accounts in question. It looks like someone may have used my information without my consent.

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 2025-04-21 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: FL

Complaint narrative:
I am a federally protected consumer under the Fair Credit Reporting Act, and I fully understand my rights, including my Right to Privacy under 15 U.S.C. 1681a ( 4 ). After checking my credit report, I found XXXX accounts that I never gave permission to be reported : XXXX XXXX XXXX ( Account # : XXXX ) and XXXX XXXX XXXX XXXXXXXX ( Account # : XXXX ). Under 15 U.S.C. 1681b ( 2 ), you are only allowed to report accounts with my written permission, which I never gave. These accounts are unauthorized and should not be in my file. Keeping them there is not just wrong, it is a serious violation of federal law. Because of this, I have been denied car loan opportunities, and its putting real pressure on me and my family. This is not a small error, its harming my life. I believe this is identity theft, defamation, and willful noncompliance under 15 U.S.C. 1681n, which allows for {$1000.00} in fines per violation, and even more if it causes actual damage, which it has. I also do not agree to any automated investigation using E-OSCAR or AI systems. This must be reviewed and handled by a real person. You now have 14 calendar days to delete both accounts from my credit file, send me written confirmation, and provide an updated copy of my credit report. If you fail, I will take legal action and seek the full penalties allowed by law. Fix this now.

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 2025-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
On XX/XX/year>, the XXXX XXXX XXXX issued a check to me from the XXXX XXXX XXXX XXXX for my XXXX  tax return. I deposited the check at a local Chase bank branch and immediately my account was frozen and placed under investigation for fraud. I have called the Chase deposit review department several times and each time I have called I have received a different explanation as to why my account is restricted and how the check is to be verified. Most notably I was told this past Saturday it is a verbal process, then told today it's an electronic process, then told again when I called the Fraud department it is a verbal process again. I tried calling the check fraud department with an IRS agent conferenced in and I was told that they could not validate the check on a XXXX way call but only on a call that was initiated by them. They also told me that the IRS is no longer accepting calls for verification however I was easily able to reach an IRS agent myself who can verify the check. He also offered to send the Chase agent a tax transcript to show proof of the disbursement but was told that would be of no help. I am currently faced with financial hardship because of this inability to access my own funds that were disbursed as a legitimate check from the IRS, and the explanations and lead times given to me seem questionable at best. I also called the XXXX XXXX XXXX XXXX and asked if the check can be canceled and changed to a direct deposit, and was told that the check is already showing as cashed in their system. It seems to be also that Chase has immoral and unethical business practices, as they cash a check internally in their system, so that you can not get it back, but then do not release your funds. If the check needed to be verified, it should not have been processed as cashed at all, especially when I did not actually cash the check but was forced to deposit only per their regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: DC

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the XXXX  data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-04-21 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-21 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: OR

Complaint narrative:
I have a federal student loan with the loan service MOHELA. I made a few payments via an app portal. Later, they explained how they were no longer accepting loan payments through the app and that they were restructuring and they would mail me the details so I could set up repayment in a different way. I never got a letter. I get emails saying how my loan payment is past due. When I click the link to pay it I get pushed to MOHELA website where they ask for my log in info. I give it and the website says that it is incorrect. I try to get access to my account through my SSN. Website ( MOHELA ) says it has no record of a student loan connected to my SSN. I try to call to rectify the issue and Im kept in phone purgatory where the options loop me around and I can never talk to a human person.This loan is tanking my credit score and they are still charging interest. I know because I see what I owe through the XXXX website. MOHELA has made it impossible for me to pay back my loan while financially hurting me in the process. Im unbelievably frustrated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-21 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: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXLVNV Funding/Resurgent Capital ServiceXXXX XXXX XXXX XXXX XXXXSubject: Dispute of Charge-Off on Credit Report and Request for Removal\nDear Sir/Madam,\nI hope this letter finds you well. I am writing to dispute the charge-off status that is currently reflected in my credit report for the account associated with the above-referenced XXXX  XXXX  account. I request that you review this account and consider removing the charge off from my credit report based on the following reasons and in accordance with applicable laws.\n1.\tInaccurate Reporting:\nAccording to the Fair Credit Reporting Act (FCRA), specifically 15 U.S.C.  1681i, consumers are entitled to dispute inaccurate information on their credit reports. The charge-off reported on this account is either incorrect, outdated, or inaccurately reported.\n2.\tFailure to Validate Debt:\nUnder the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C.  1692g, I have the right to request verification of the debt. I request that XXXX XXXX provide proper documentation to verify the legitimacy of the charge-off and the balance. If no such validation is provided, I request that you remove the charge-off from my credit report.\n3.\tTimeliness of Reporting:\nIf the charge-off was reported after the statutory time limits or contains incorrect information regarding the date of delinquency or default, I believe it is in violation of the FCRA, which governs the timeliness and accuracy of information on credit reports (15 U.S.C.  1681c).\n4.\tRequest for Removal:\nIf you are unable to verify the charge-off or provide appropriate documentation to support the debt, I respectfully request that you remove the charge-off from my credit report in accordance with FCRA regulations.\nPlease send me written confirmation that this charge-off has been removed from my credit report or provide me with a detailed explanation of why it remains. If this matter is not resolved satisfactorily, I will not hesitate to escalate the issue to the Consumer Financial Protection Bureau (CFPB) and consider further legal action.\nThank you for your prompt attention to this matter. I look forward to your response within the 30-day timeframe as required by law.XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-21 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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