vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
XXXX  XXXX XXXX reported a past due balance without previously informing me of the past due balance. They do not mail me account statements and revoked/refuse to grant me a access to my online account and app so monitor any balances myself ( coercing me into an past due balance that I was uninformed about ). I only learned of the past due balance once it was reported to the credit bureaus and cured it same day. I disputed the adverse reporting and the bank refuses to remove it from my reporting though they failed to properly validate debt. This occurred during a car purchase and I now have a much higher auto loan interest rate and payments plus mutliple credit inquires as I struggled to obtain credit due to this malicious reporting. XXXX  XXXX XXXX 's failure to oblige by the FCRA has resulted in immense monetary damages and a XXXX point dip in my credit score that they refuse to rectify.

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 2025-02-08 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: DC

Complaint narrative:
XXXX  XXXX XXXX reported a past due balance without previously informing me of the past due balance. They do not mail me account statements and revoked/refuse to grant me a access to my online account and app so monitor any balances myself ( coercing me into an past due balance that I was uninformed about ). I only learned of the past due balance once it was reported to the credit bureaus and cured it same day. I disputed the adverse reporting and the bank refuses to remove it from my reporting though they failed to properly validate debt. This occurred during a car purchase and I now have a much higher auto loan interest rate and payments plus mutliple credit inquires as I struggled to obtain credit due to this malicious reporting. XXXX  XXXX XXXX 's failure to oblige by the FCRA has resulted in immense monetary damages and a XXXX point dip in my credit score that they refuse to rectify.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Movement Mortgage LLC
State: SC

Complaint narrative:
I keep receiving phone calls and letters from MMLLC stating that I am behind on my mortgage which I am not this is a constant thing. First of all I have told them repeatedly I am not verifying any information if they call me. They should already know my address second I have paid my mortgage on time the agreed upon amount is {$1700.00} which I pay half on the first and the other half before the XXXX of every month which makes is not late. This is the amount {$2300.00} that movement is claiming I owe which is not true and I don't know where they got this amount from. Which is according to MM is 38 days past due. I never agreed to pay $ XXXX plus a month and I will never agree to that amount. The calls needs to stop not only that the excessive amount that they charge for homeowners insurance is close to extortion. I finally have my own insurance and the amount again that I have agreed to pay is {$1700.00} and that is all I am paying every month. MM needs to fix what they have put on my credit which is late notices and late fees which I have not been on either.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
All three credit bureaus are inaccurately reporting false information on my credit report, which is negatively impacting my life and significantly affecting my creditworthiness.

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 2025-02-08 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 disputed to remove these fraudulent addresses XXXX times in XXXX  and Transunion continue to show fraudulent these addresses on my credit report : XXXX XXXX XXXX Apt XXXX XXXX XXXX, CA XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Please remove these fraudulent addresses : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA 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 2025-02-08 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: DE

Complaint narrative:
This supposed debt has been sold to XXXX XXXX. I have asked for them to verify the debt. On my credit report it states that XXXX XXXX owns the debt.

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 2025-02-08 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
This supposed debt has been sold to XXXX XXXX. I have asked for them to verify the debt. On my credit report it states that XXXX XXXX owns the debt.

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 2025-02-08 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: DE

Complaint narrative:
This supposed debt has been sold to XXXX XXXX. I have asked for them to verify the debt. On my credit report it states that XXXX XXXX owns the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
HI THD/CBNA ; I was shocked when I reviewed my credit report and found late payment on XXXX TO XX/XX/year>. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get 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 non-monetary relief
Consumer complaint received 2025-02-08 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: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit file. Below, I detail the specific issue and request its correction. 

Account Name : APPLE CARD/GS BANK USA Account Number : XXXX Inaccuracy Identified : The account reflects the status Paid in settlement. {$1000.00} written off, which is inconsistent with the payment history provided. Specifically : 1. Payment History : The 24-month payment history shows continuous delinquencies ( marked in red ) from XX/XX/XXXX through XX/XX/XXXX. However, the comments state that the account was Paid in full for less than the full balance and that the dispute investigation was completed. This discrepancy suggests that the reported payment history might not accurately reflect the accounts resolution. 
2. Settlement Date : The record states the last payment date as XX/XX/XXXX, yet there appears to be an issue with how delinquencies are being represented even after the payment resolution. 

I believe this information misrepresents the status and timeline of this account. Such inaccuracies can negatively impact my creditworthiness, and I respectfully request a thorough investigation. 

Requested Resolution : please remove account from credit report I have attached copies of my credit report highlighting the discrepancies for your reference. Please notify me in writing of the results of your investigation. 

Thank you for your prompt attention to this matter. I look forward to your resolution within the time period allotted under the Fair Credit Reporting Act ( FCRA ). 

Let me know if you need further adjustments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: TX

Complaint narrative:
I Have inquires on my credit profile that i did not authorize and I have to received anything from any of these companies the need to remove immediately. My complaint about me being a victim of identity theft and I have submitted proof of my report several times. This information is inaccurate and need to be removed from my credit report immediately. According to 15USC 1681i ( a ) 1 and 15USC1681i ( a ) 6 ( B ), 15USC1681i ( a ) 5 ( b ). 
I have called them and asked them to remove the inquires as well. 

The Inquires Are 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 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: TX

Complaint narrative:
I am writing to dispute certain credit inquiries and accounts listed on my credit report, as I believe they were made fraudulently without my authorization. I have reason to believe that my personal information was compromised and used to make unauthorized credit inquiries. I am requesting that these inquiries be removed from my credit report as per 605B15 U.S.C. 
1681c-2 states if a breach is present accounts will be removed in 4 days it tied to identity theft. In support of my claim, I have filed a report with the Federal Trade Commission ( FTC ) regarding the identity theft and fraudulent activities. I have attached a copy of my FTC Identity Theft Report ( XXXX ) as evidence that my personal information was used fraudulently. The unauthorized credit accounts I am disputing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The unauthorized credit inquiries I am disputing are as follows : XXXX XXXX XX/XX/year>, XXXX XXXX inquiries and accounts were made without my knowledge or consent and should be removed from my credit file. As per the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate these disputed inquiries

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 2025-02-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
This is about a Capital One promotion posts under my 360 checking account, it's called " Capital One Offers '' ( not Capital One Shopping ). The offer was ( is ) click the button " 4 % XXXX '' then get 4 % cashback deposit to my checking account. I attached a picture on this promotion. 
So I made a purchase on XXXX XXXX XXXX with clicking through the button, total is $ XXXX {$810.00}, but never received the 4 % cashback until today. Contacted XXXX but didn't get a solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I am writing to formally dispute an inaccuracy on my credit report as shown under the account from XXXX XXXX XXXX , Account Number XXXX. After reviewing my credit report, I noticed the following inaccurate information : Current Status : The report states, Closed. {$3300.00} written off. However, this is inaccurate because [ insert the specific reason for inaccuracy, e.g., this account has been settled in full, this account has never been delinquent, or the balance is reported incorrectly ]. 

I request that you investigate this matter and provide verification of this information. If XXXX XXXX XXXX can not verify this account status, I request that it be removed from my credit report immediately. 

For your reference, I have attached copies of relevant documents ( e.g., payment receipts, settlement letters, or correspondence with the creditor ) to support my dispute. Please include the results of your investigation and an updated copy of my credit report once the corrections have been made. 

If you require additional information, please feel free to contact me. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 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:
outstanding accounts over XXXX years accounts that has been removed and put back on the report without my knowledge acounts i have no knowledge of credit cards as well address that have no knowledge of

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: IL

Complaint narrative:
You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Number #, has violated several of my rights.

15 U.S.C 1681 section 602 A. Clearly states that 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting ActI

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: IL

Complaint narrative:
You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Number #, has violated several of my rights.

15 U.S.C 1681 section 602 A. Clearly states that 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting ActI

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 2025-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: MI

Complaint narrative:
I am filing this dispute because the debt collector failed to fully comply with my debt validation request, which is my right under the Fair Debt Collection Practices Act ( FDCPA ). On XXXX, I sent a verification letter to Jefferson Capital Systems LLC requesting complete documentation to validate the alleged debt. Specifically, I requested : A detailed payment history : I asked for an itemized account of all payments and charges related to the debt. 
Proof of the collectors authority : I requested documentation such as a sale or purchase agreement that shows they have the legal right to collect on this debt. 
Proof of my liability : I asked for evidence that I am the individual responsible for this debt, including any documents or agreements that I may have signed. 
Legal authority to collect in Michigan : I requested proof that they are legally permitted to collect this debt in the state of Michigan. 
Information on the age of the debt : I asked for details on when the account originally went into default with the original creditor. 
Although the collector responded within the required 30-day window, their response was limited solely to screenshots of my account dashboard from the original creditor. They did not provide any of the requested detailed payment history, documentation of their authority to collect the debt, proof of my liability, legal authorization for collection in Michigan, or information on the age of the debt. 

Because the response is incomplete and fails to meet the requirements for proper debt validation, I dispute the legitimacy of this alleged debt. I respectfully request that the CFPB investigate this matter and take appropriate action to ensure that the collector removes this collection from my credit report with the 3 major credit bureau, XXXX, XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
Yesterday XX/XX/XXXX they closed my account. I was getting alerts for the past couple of weeks that were going to close my savings account. So yesterday i put {$900.00} dollars into it because there was activity in it. i thought putting money into the account would not make it close down and they closed the savings account along with my {$900.00}. 

as you can see in the pictures i have transferred it to my savings account yesterday. and now its gone. i did not delete it or anything. they owe me my {$900.00} dollars back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: FL

Complaint narrative:
Immediate Action Needed : Approve Outstanding Borrower Defense Applications To the Departments Overseeing School & Loan Server Compliance, We are writing as a collective group of defrauded students and alumni who attended XXXX schools, urging immediate action to approve outstanding Borrower Defense applications and provide full relief for those impacted. 

Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : * 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 XXXXXXXX The Department of Education has already found significant evidence of misconduct by these schools. Specifically, XXXXXXXX XXXX misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that 90 % of graduates secured jobs in their field of study within six months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 

At its peak, XXXX enrolled nearly XXXX students across campuses in XXXX states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department of Educations Borrower Defense Executive Summary and Statements of Facts.

We are asking you to take immediate steps to : 1. Approve all outstanding Borrower Defense applications for students who attended these institutions.

2. Discharge all loans associated with fraudulent practices, including consolidated loans.

3. Repair borrowers credit reports to reflect the removal of these fraudulent debts. 

Delaying action only prolongs the harm caused by these predatory institutions, leaving borrowers unable to move forward with their lives. Many of us pursued higher education to achieve the XXXX XXXX, but this dream was stolen by the very institutions we trusted to help us achieve it. 

We implore you to act decisively to ensure justice for all borrowers who were misled and exploited. The stakes are simply too high to risk further delays. 

Thank you for your attention to this urgent matter. 

Sincerely, Students & Graduates of XXXX XXXX

Company response to consumer: Closed with explanation