vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-25 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: TX

Complaint narrative:
My car was paid off last year at the end of the year and then by the next month on my credit report it stated I was late to make a payment. I then called Experian and they gave me the run around telling me to call the dealership while the dealership stated to call the credit bureau,, after going back in forth a team member from Experian told me to put in a dispute I put the it was paid off in full then about a month later Experian stated that the account was deleted instead of closed resulting to me no longer having a credit score. Ive reach out to both the dealership and credit bureau and Im still getting the run around. Experian told me to reach out the the dealer to get a reinsertion letter due to the dealership telling them to just delete it instead of providing evidence that my account was paid in full.

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 2024-07-25 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: MS

Complaint narrative:
I recently obtained a copy of my credit report and notice that i have some hard inquiries that i did not authorize. 


XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: MS

Complaint narrative:
I recently obtained a copy of my credit report and notice that i have some hard inquiries that i did not authorize. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$3900.00} XX/XX/XXXX XXXX XXXX XXXX {$170.00} XX/XX/XXXX XXXX XXXX XXXX {$2500.00} XX/XX/XXXX XXXX XXXX XXXX {$4300.00} XX/XX/XXXX XXXX  XXXX {$980.00} XX/XX/XXXX XXXX XXXX {$1100.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$280.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$72.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX TX XXXX INQUIRIES NOT RECOGNIZED XXXX  XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, XXXX EMPLOYERS NOT RECOGNIZED XXXX XXXX XXXX, XXXX XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
Debt validation not provided. American Express is violating FDCPA law by originating debt in their own name. 15USC1666 states no harm or threats shall be made toward consumers. American Express has not provided method of verification for alleged debt and have harassed me beyond emotional limitation

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$3900.00} XX/XX/XXXX XXXX XXXX XXXX {$170.00} XX/XX/XXXX XXXX XXXX XXXX {$2500.00} XX/XX/XXXX XXXX XXXX XXXX {$4300.00} XX/XX/XXXX XXXX  XXXX {$980.00} XX/XX/XXXX XXXX  XXXX {$1100.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$280.00} XX/XX/XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$72.00} XX/XX/XXXX NAMES NOT RECOGNIZED XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX TX XXXX INQUIRIES NOT RECOGNIZED XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX EMPLOYERS NOT RECOGNIZED XXXX XXXX XXXX, XXXX XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-07-25 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$3900.00} XX/XX/XXXX XXXX XXXX XXXX {$170.00} XX/XX/XXXX XXXX XXXX XXXX {$2500.00} XX/XX/XXXX XXXX XXXX XXXX {$4300.00} XX/XX/XXXX XXXX  XXXX {$980.00} XX/XX/XXXXXXXX XXXX XXXX {$1100.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$280.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$72.00} XX/XX/XXXX NAMES NOT RECOGNIZED XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX TX XXXX INQUIRIES NOT RECOGNIZED XXXX XXXXXXXXXXXX XXXX, XXXXXXXX XXXX  XXXX XXXX, XXXX EMPLOYERS NOT RECOGNIZED XXXX XXXX XXXX, XXXX XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

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 2024-07-25 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: FL

Complaint narrative:
I am writing to express my profound frustration and disbelief regarding the charge-off listed on my credit report for account opened on XX/XX/year> at XXXX XXXX  XXXX XXXX This entry is not only inaccurate but also unjustly damaging my creditworthiness and overall financial reputation. 

I dispute the charge-off status associated with this account for the following reasons : According to my financial records, I have consistently met all payment obligations related to this account. The charge-off entry is completely erroneous. I have never received any notice or communication from your office indicating missed payments or delinquencies. I demand a full review and correction of this false reporting immediately.

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 2024-07-25 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: FL

Complaint narrative:
I am writing to express my profound frustration and disbelief regarding the charge-off listed on my credit report for account opened on XX/XX/year> at XXXX XXXX XXXXXXXX XXXX This entry is not only inaccurate but also unjustly damaging my creditworthiness and overall financial reputation. 

I dispute the charge-off status associated with this account for the following reasons : According to my financial records, I have consistently met all payment obligations related to this account. The charge-off entry is completely erroneous. I have never received any notice or communication from your office indicating missed payments or delinquencies. I demand a full review and correction of this false reporting immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 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: EQUIFAX, INC.
State: SC

Complaint narrative:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: NY

Complaint narrative:
I am alarmed about the credit inquiries in my report which I don't recognize and could have been used for fraud, this is really concerning because I did not authorized or consented with these companies to pull up my credit report it's stressing me out and making me XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I called Equifax on XX/XX/year> I informed them that i wanted to remove my disputes and all dispute verbiage as i was applying for a mortgage. i was told it would take XXXX to XXXX hours to process. i called back on XX/XX/XXXX for an update to make they cleared before my lender pulled my credit they assured me they were removed. so my lender pulls credit and they are still on my credit report so i call again that and request them be removed. instead of removing them the representative resubmitted the disputes without my knowledge. so i was under the understanding that they had been removed so i called back on the XXXX of XXXX where i was informed that they made a mistake and resubmitted the disputes that they were filing a complaint against the representative and would fix the issue. So i call back on XX/XX/XXXX to make sure the disputes were removed and they weren't so i asked to speak to a supervisor. The supervisor was so rude and put me on hold for an hour and XXXX minutes without even letting me know wouldn't listen to what i had to say just that she would fix it. she never returned to the call to let me know she fixed it and i was hung up on. i immediately called back and asked to be reconnected with the supervisor and was told my issues had been resolved but they could try to transfer me. i sat on hold for over an hour and was never connected. they said they were having technical issues. so i called them back the next day XX/XX/XXXX same thing i couldn't be connected with a supervisor to call back late in the day i did and still no supervisor. i was advised to call the next day. XX/XX/XXXX i called again an spent over an hour on the phone and was told the same thing technical issues cant connect to to a supervisor. XX/XX/XXXX I've called 3 times and still haven't be able to talk to a supervisor to figure out if the disputes had been removed or not. Because of there inability to do there job i might lose the sale of the home I'm trying to buy. we had to request an extension because of this with very likely couldn't be granted. what should have took less than XXXX to XXXX hours has now been pushed out over XXXX weeks. This has caused me financial hardship and an extreme amount of undue stress and hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: ND

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 non-monetary relief
Consumer complaint received 2024-07-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: DC

Complaint narrative:
I am writing to complain how Freedom Mortgage is not appyling my bi-weekly Auto Pay to my monthly mortgage payment and my extra mortgage payment to my principal. Instead, they are outrageously reporting it as " Suspense '' payments and saying I'm late on my payments. 

Monthly payment : {$5300.00} On XX/XX/year> : paid a full monthly payment. {$5300.00} On XX/XX/year> : paid a half monthly payment. {$2600.00} posted to suspense On XX/XX/year> : paid a half monthly payment. {$2600.00} posted to suspense On XX/XX/year> : paid a half monthly payment. {$2600.00} posted to suspense On XX/XX/year> : paid a half monthly payment. {$2600.00} posted to suspense On XX/XX/XXXX I asked for an explanation about why my payment was going to suspense. They replied on XXXX saying they would research the issue. On XX/XX/XXXX, they said that they applied it to the principal ( they did not ). 

On XX/XX/XXXX I was notified that my account was past due and that I owe a full monthly payment. Outrageous. I complained on that day. On XX/XX/XXXX, they said they'd research the issue. I spoke with them on the phone and they said they'd fix it. 

It is now XX/XX/XXXX and they still have not applied my extra payments to the principal, only showing it as " Suspense. '' I feel that Freedom Mortgage is profiting by my not allowing me to pay down my mortgage early so they can collect interest. 

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 2024-07-25 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2024-07-25 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: HOVG, LLC
State: GA

Complaint narrative:
I am writing to express my deep concern regarding the inaccuracies present in my credit report. Despite multiple attempts to address this issue and request thorough investigations into the disputed accounts, I have yet to receive any resolution or corrective action. The presence of these erroneous accounts is 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, impacting my financial well-being and daily life. I am left with no choice but to urgently 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 standing. 

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 explanation