vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-11 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: FL

Complaint narrative:
I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach :. 
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 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 XXXX 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 2025-01-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FirstPoint Collection Resources
State: VA

Complaint narrative:
First point collection XXXX

15 U.S. Code 1692c
15 U.S. Code 1692g
15 U.S. Code 1681 e(b)

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
Department records are in error because their records show I had consolidated XXXX XXXX loans in XX/XX/XXXX and XXXX XXXX loan in XX/XX/XXXX but the records do not show a new consolidated loan was created for those years. Instead, the Department records show a new consolidated loan was created in XX/XX/XXXX. This is negatively impacting me because I have made qualified payments towards XXXX XXXX XXXX XXXX but the accounting of those payments is not being given credit towards the entire time I have been repaying the loans that were consolidated in XXXX and XXXX. So they are not showing any activity between XXXX and XXXX. The loans were with XXXX at the time. In XXXX they went to MOHELA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: IN

Complaint narrative:
In XX/XX/XXXX, I had an accident. My back and left arm were injured, and my car was totaled lost. The accident happened because of bad weather. XXXX XXXX was foggy and wet. The police report does not say the accident was my fault. However, Lexis Nexis shared this wrong information with the insurance company. Because of this, I have been charged high premiums since XXXX. This needs to stop immediately. If this information is not fixed in my consumer file, I will speak to my lawyer. I may also file a lawsuit against your company for reporting wrong information on my consumer report. 

In XXXX, I asked not to share my personal information with any third-party company. I noticed that your company did not follow my request. This goes against the law of the consumer reporting agency. 

Please find the attached evidence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX DOB : XX/XX/XXXX Dear Experian, XXXX XXXX XXXX XXXX XXXX, GA XXXX RE XXXX Remove a late payment I am writing to dispute a late payment reported on my credit report with XXXX  XXXX the account number is XXXX, it was opened on XX/XX/XXXX with an original balance of {$440.00}. This information seems incorrect to me, I request that you investigate this matter and remove the late payment from my credit report. Please provide me with an updated credit report reflecting the changes.

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 2025-01-11 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
An item that has resulted from fraud which I never benefitted from still appears on my report and you continue to put this false and fraudulent information on my credit. This is incredibly insulting and a defamation of my character, it's stressing me out knowing that my rights are being violated as a consumer. This is already reported to the Federal Trade Commission but nothing is removed.

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 2025-01-11 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: GA

Complaint narrative:
An item that has resulted from fraud which I never benefitted from still appears on my report and you continue to put this false and fraudulent information on my credit. This is incredibly insulting and a defamation of my character, it's stressing me out knowing that my rights are being violated as a consumer. This is already reported to the Federal Trade Commission but nothing is removed.

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 2025-01-11 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: CA

Complaint narrative:
I was a client of Lexington law. Im trying to get my part of the settlement. I moved back to XXXX  and have a new address I need to update my current address in XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: FL

Complaint narrative:
I am in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated, there are items on my credit report that have resulted from fraud and I never benefitted from it. I have already reported this to the Federal Trade Commission but they are not removed from my report, this is causing me tremendous anxiety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Chime Inc.
State: AE

Complaint narrative:
It was XXXX XX/XX/year>, I send money via Sendwave in the amount of {$450.00}. 
Later on I realized that it was the wrong number. I contacted Sendwave and explained to them and they assured me that if the money is still available they will refund it but I have to give them minimum of XXXX Days. After the period they promised me they said that my request was rejected without giving me the details of my request as to why it was rejected. 
I reached to the receiving company that delivers cash in XXXX and they told me that the cash is still available and once they receive the reversal request from Sendwave they will reverse it. But sendwave claims to have sent reversal request and yet the other company says they havent received any request. If I ask sendwave for evidence of reversal request they tell me that am not authorized to have it. When you chat with them they keep giving me conflicting information. Sometimes they say it was rejected sometimes they say theyre trying.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-11 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: MN

Complaint narrative:
We had scheduled to close on the sale of our property on XX/XX/2024. The buyers title company checked the wrong box ( USDA loan but they checked FHA ), this caused the appraisal to get sent to the wrong department. After the error was caught, it was sent back to be corrected. The lending company took their time responding to the error causing the closing date to be pushed back to XX/XX/2024. We already had movers, and a XXXX scheduled/rented and had to push both of these out an extra day ( plus they waited until end of day to say its not going to happen. This caused us to incur an additional {$770.00} charge from the moving company XXXX XXXX XXXX XXXX and an extra {$110.00} to extend the XXXX XXXX another day. To add insult to injury, the buyers lender had the audacity to allow the buyers to move their belongings into our house a day early, this forced us to seek accommodations for the night at a hotel ( we weren't going to sleep in a truck with a XXXX and XXXX XXXX XXXX in XXXX degree weather ), at another {$120.00}. out of pocket. The lenders said they would work with us on these but have been playing ignorant for the last month and are no closer to a reasonable resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: GA

Complaint narrative:
My credit report has items that have resulted from fraud which I never benefitted from. 
This is a defamation of my character and is incredibly insulting, my rights are being violated which is absolutely distressing. This is already reported to the Federal Trade Commission but it still appears on my report, what a disappointment, the very thing that exists to protect people like me yet nothing is resolved.

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 2025-01-11 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: CA

Complaint narrative:
There are items on my credit report that have resulted from fraud to which I never benefitted from. I have reported them to the federal trade commission but they are not removed from my 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 explanation
Consumer complaint received 2025-01-11 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: MA

Complaint narrative:
I have repeatedly disputed inaccurate information on my XXXX credit report, yet XXXX continues to reinstate the disputed account without proper verification. Despite countless disputes, XXXX has conducted what appears to be sham investigations using faulty proceduresfailing to relay key dispute information to the original data furnisher and uncritically accepting their unlikely responses. As a result, XXXX provides confusing and incorrect updates, reinserts previously deleted inaccurate information under a new furnisher, and does not delete the erroneous account as it should. This ongoing mishandling has not only kept false data on my credit report but has also left missing and incomplete information, severely impacting my credit accuracy and rights as a consumer.

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 2025-01-11 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: MA

Complaint narrative:
I have repeatedly disputed inaccurate information on my XXXX credit report, yet XXXX continues to reinstate the disputed account without proper verification. Despite countless disputes, XXXX has conducted what appears to be sham investigations using faulty proceduresfailing to relay key dispute information to the original data furnisher and uncritically accepting their unlikely responses. As a result, XXXX provides confusing and incorrect updates, reinserts previously deleted inaccurate information under a new furnisher, and does not delete the erroneous account as it should. This ongoing mishandling has not only kept false data on my credit report but has also left missing and incomplete information, severely impacting my credit accuracy and rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 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: LA

Complaint narrative:
Heres the dispute letter for this account : Subject : Dispute of Inaccurate Information on My Credit Report To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of the account listed below on my credit report. This account contains errors and inconsistencies that violate multiple sections of federal law. 

Account Details : Creditor Name : XXXX XXXX  Account Type : Auto Loan ( Installment ) Account Number : XXXX Balance Reported : {$10000.00} ( TransUnion ), {$0.00} ( XXXX ), {$13000.00} ( XXXX XXXX Status : Repossession/Charge-Off Violations and Inaccuracies : 1. Failure to Verify the Debt ( 15 U.S. Code 1692g ) : Under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to verify the debt upon request. This account remains inaccurately reported without proper verification.

2. Failure to Cease Communication After Dispute ( 15 U.S. Code 1692c ) : Despite disputing this account, the derogatory status remains reported, violating the requirem
ent to cease communication during the dispute process unless proper verification is provided.

3. Inconsistent and Misleading Reporting ( 15 U.S. Code 1681e and 1681i ) : The Fair Credit Reporting Act ( FCRA ) mandates maximum accuracy in reporting. 
The balance is reported differently across credit bureaus : {$10000.00} ( TransUnion ), {$0.00} ( XXXX ), and {$13000.00} ( XXXX ). 
The payment status is listed as Repossession, yet XXXX shows {$0.00} owed, which conflicts with TransUnion and XXXX. 
Comments indicate merchandise was taken back by credit grantor, yet balances remain on two bureaus, which is misleading and inaccurate.

4. Failure to Issue a Form 1099-C for Charged-Off Debt : According to IRS regulations, creditors must issue a Form 1099-C when {$600.00} or more of debt is canceled or forgiven.

No Form 1099-C has been issued for thi
s account, raising questions about compliance with IRS reporting requirements.

5. Recent CFPB Lawsuit Against XXXX : The Consumer Financial Protection Bureau ( CFPB ) recently opened a lawsuit against XXXX for failing to properly investigate disputes and validate debts. 
Experians reporting of this account is indicative of the systemic issues highlighted in the lawsuit, further questioning the validity and accuracy of this accounts reporting. 

Sincerely, 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 2025-01-11 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: LA

Complaint narrative:
Heres the dispute letter for this account : Subject : Dispute of Inaccurate Information on My Credit Report To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of the account listed below on my credit report. This account contains errors and inconsistencies that violate multiple sections of federal law. 

Account Details : Creditor Name : XXXX XXXX  Account Type : Auto Loan ( Installment ) Account Number : XXXX Balance Reported : {$10000.00} ( XXXX ), {$0.00} ( XXXX ), {$13000.00} ( Equifax XXXX Status : Repossession/Charge-Off Violations and Inaccuracies : 1. Failure to Verify the Debt ( 15 U.S. Code 1692g ) : Under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to verify the debt upon request. This account remains inaccurately reported without proper verification.

2. Failure to Cease Communication After Dispute ( 15 U.S. Code 1692c ) : Despite disputing this account, the derogatory status remains reported, violating the requirement t
o cease communication during the dispute process unless proper verification is provided.

3. Inconsistent and Misleading Reporting ( 15 U.S. Code 1681e and 1681i ) : The Fair Credit Reporting Act ( FCRA ) mandates maximum accuracy in reporting.

The balance is reported differently across credit bureaus : {$10000.00} ( XXXX ), {$0.00} ( XXXX ), and {$13000.00} ( Equifax ). 
The payment status is listed as Repossession, yet XXXX shows {$0.00} owed, which conflicts with XXXX and Equifax. 
Comments indicate merchandise was taken back by credit grantor, yet balances remain on two bureaus, which is misleading and inaccurate. 4. Failure to Issue a Form 1099-C for Charged-Off Debt : According to IRS regulations, creditors must is
sue a Form 1099-C when {$600.00} or more of debt is canceled or forgiven.

No Form 1099-C has been issued for this account, raising questions about compliance with IRS reporting requirements. 
XXXX. Recent CFPB Lawsuit Against XXXX : The Consumer Financial Protection Bureau ( CFPB ) recently opened a lawsuit against XXXX for failing to properly investigate disputes and validate debts. 
XXXX  reporting of this account is indicative of the systemic issues highlighted in the lawsuit, further questioning the validity and accuracy of this accounts reporting. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XX/XX/2025 XXXX XXXX XXXX XXXX XXXXSubject : Formal Complaint Against Equifax for Violating the Fair Credit Reporting Act** Dear CFPB, I am writing to formally file a complaint against Equifax for what I believe to be blatant violations of the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681B concerning permissible purposes of consumer reports. It is my assertion that Equifax has failed to comply with the legal stipulations surrounding the furnishing of consumer reports.

According to the FCRA, consumer reporting agencies are permitted to provide consumer reports only under specific circumstances, predominantly upon receiving written instructions from the consumer. Equifax has not adhered to these regulations in their reporting practices regarding my XXXX XXXX XXXX  card. # XXXX Additionally, the FCRA XXXX under 15 USC 1681 ( 2 ) ( a ) ( I ), clearly states that a consumer report should not include information solely related to transactions or experiences between the consumer and the reporting agency. It is imperative to note that my credit utilization has been misrepresented, contradicting the guidelines outlined in the FCRA. 

I demand immediate action to rectify this situation. Specifically, I request that Equifax either : 1. Remove the inflated credit utilization from my report and update it to reflect 5 % or below, or 2. Completely eliminate the utilization data from my credit report.

This adjustment is crucial to ensure accurate reporting and to comply with the FCRA. I expect a prompt response to this matter, as the inaccuracies in my credit report have significant implications for my financial standing. 

Thank you for your immediate attention to this pressing issue. 

Sincerely,

Company response to consumer: Closed with non-monetary relief