vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-18 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: LA

Complaint narrative:
You are obligated by law to maintain accurate consumer records. The incorrect addresses on my credit report are causing harm and must be removed immediately. Non-compliance will be considered negligence and may lead to legal action. I expect prompt confirmation of this correction.

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 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SEMPER HOME LOANS, INC
State: RI

Complaint narrative:
company name is samper home I don't remember applying for a home loan XXXX XXXX XXXXXXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Self Financial Inc.
State: FL

Complaint narrative:
I had fallen quite behind due to medical problems and XXXX. I received numerous emails warning of the consequences. I made the {$10.00} payment that I could within the time frame XXXX XXXX advised of 2 days. They then canceled that card, closed my account, took my deposit to satisfy balance and reported negativity on my credit. I abided by the 2 day notice but they did not. I've since brought account current, but have a balance of XXXX something dollars. No card, no account and I'm stuck using their credit builder account until satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: CA

Complaint narrative:
Multiple unauthorized inquiries have appeared on my consumer report, causing significant mental and financial strain despite my repeated attempts to address this issue. As a victim of identity theft, I have no connection to or responsibility for these fraudulent entries, yet their presence has severely impacted my ability to achieve crucial life goals like purchasing a home and providing for my family 's needs. The documentation I've submitted to the Federal Trade Commission clearly outlines the nature and scope of this fraudulent activity, demonstrating the serious nature of this identity theft case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-02-18 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: FL

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

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 2025-02-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: AZ

Complaint narrative:
Around XXXX, I was XXXX XXXX XXXX XXXX  During that time, I was told I would be receiving a check for an escrow overpayment in the mail. When I caught wind of this, I called and asked to put a stop to the check as I was in no position to retreive the check in the mail. 

I was told that they could stop the check, and then after 30 days direct deposit the amount into my bank account. This was after a few phone calls when I had time in between training while at XXXX XXXX Texas for XXXXXXXX XXXX XXXX I had wanted to get this taken care of before I left the country. 

After about 45 days, I called to confirm that my direct deposit request was confirmed and processed on the XXXX of XXXX and that I would receive my deposite within 7-10 business days. 

on XX/XX/XXXX, after not receiving anything, I called again and was told that my request was denied. Reps were not able to provide any further explanation and cited " the system '' was preventing them from making this happen. 

After threatening to complain to the CFPB, and leveraging my legal assistance through XXXX XXXX XXXX, I was finally escalated to XXXX ( Caller ID XXXX ) and given her direct line at XXXX. She advised she was going to make the request ( again ) and she would follow up with me within 24 hours on the results. It is now the XXXX of XXXX and I've heard nothing from here. I've been on hold for XXXX minutes, which has given me long enough time to escalate this with my XXXX  and even file this complaint.

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 2025-02-18 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: RI

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 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: SC

Complaint narrative:
I just recently received and reviewed my credit report and I found several inaccuracies. This is my statement that the listed accounts, inquiries and personal information that is on this FTC report and on the letter enclosed with it have been reported without my permission or written consent and therefore is a result of identity theft and must be removed. They are not related to any transactions made by me the 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 explanation
Consumer complaint received 2025-02-18 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: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the late payment marks on my credit report regarding the above-referenced account. The reporting of these delinquencies is not only inaccurate but also highly damaging to my financial standing. I demand the immediate removal of these negative marks under the Fair Credit Reporting Act ( FCRA ). 

It is clear that my account has been mismanaged in its reporting, and I will not tolerate the continued harm to my credit profile due to these errors. If these marks are not removed immediately, I will be forced to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and consider legal action. 

I expect a written confirmation of the removal within 15 days. Failure to comply will leave me no choice but to take further action. 

Sincerely, 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 2025-02-18 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: MS

Complaint narrative:
I need your assistance in reviewing accounts from companies that are incorrectly reporting late payments. After checking my credit report, I found that certain accounts have late payment marks that should not be there. These accounts should not show any late payment remarks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 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: CA

Complaint narrative:
I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX XX/XX/scrub>/2008 {$340.00} XXXX XXXX XXXX XXXX XX/XX/year>2008 {$0.00} TU XXXX XXXX XXXX XX/XX/scrub>/2008 {$340.00} XXXX These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
I am writing to formally request that OneMain Financial issue me a Form 1099-C for the charge-off of my loan account. According to my records and your reporting, this account has been written off as a profit and loss write-off. Under IRS guidelines, a creditor that cancels a debt of {$600.00} or more is required to issue a 1099-C Cancellation of Debt form. 

Furthermore, I have noticed that this account is still being reported as late on my credit report. This is inaccurate and unacceptable. A charged-off account that has been written off as a loss should not continue to accrue late payment marks. Reporting late payments on a charged-off account is misleading and a violation of accurate credit reporting practices. 

I demand that you : 1. Immediately issue and send me a Form 1099-C for the charged-off balance. 
2. Cease all late payment reporting and correct the account status to reflect the actual charge-off date with no additional delinquencies beyond that point. 

Failure to comply with these requests will leave me with no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the IRS for further investigation into your reporting and compliance practices. 

I expect a written response confirming compliance with these demands within 15 days of receipt of this letter. Please send all correspondence and the 1099-C form to the address listed above. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: GA

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Transunion is inaccurately reporting public information on my credit report.

Unauthorized child support reporting is a violation of 15 U.S.Code 1681b and 1681a ( 3 ) ( A ).

The inclusion of child support obligations as a credit account is INACCURATE and a violation of the FAIR CREDIT REPORTING ACT Under 15 U.S.Code 1681b, a consumer reporting agency may only furnish a credit report if there is a permissible purpose. According to 15 U.S.Code 1681a ( 3 ) ( A ), a Credit Transaction must involve an expectation of repayment. CHILD SUPPORT obligations do not meet this standard, as they are court -ordered financial obligations and not credit transactions voluntarily entered into by the consumer. 

In XXXX XXXX Transunion XXXX XXXX, the court had addressed similar issues regarding the improper furnishing of consumer credit information. Reporting child support as a credit account MISREPRESENTS its nature, unfairly impacting my creditworthiness. 
ALL CREDIT REPORTING AGENCIES SHOULD NOT BE REPORTING INACCURATE PUBLIC INFORMATION THAT IS NOT COMPLIANCE WITH FEDERAL LAW ON A CONSUMER REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: TX

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XX/XX/XXXX/2024 XXXXXX/XX/XXXX/XXXX/2024 XX/XX/XXXXXX/XX/scrub>/2024 XXXX XXXX/XXXX/2024

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ), the accounts and inquiries listed below violate my federally protected rights to privacy and accuracy under 15 U.S.C. 1681. As stated in 15 U.S.C. 1681 Section 602 ( a ), I have the right to privacy regarding my financial information. Additionally, 15 U.S.C.1681 Section 604 ( a ) ( 2 ) specifies that a consumer reporting agency can not include an account on my report without my explicit written consent. Furthermore, 15 U.S.C.1681c ( a ) ( 5 ) prohibits the reporting of any adverse informationexcept for criminal convictionsthat is older than seven years. Lastly, under 15 U.S.C. 1681s-2 ( a ) ( 1 ), furnishers are not allowed to report information they know or should reasonably know is inaccurate. Given these protections, I request an immediate review of the listed accounts and inquiries. If they can not be fully verified with proper documentation, they must be removed. Please provide written confirmation of your findings and any actions taken.

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 2025-02-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST NATIONAL BANK OF OMAHA
State: WV

Complaint narrative:
I received a letter from FNBO about my credit card I have with them stating that if I did not enroll in their paperless billing and move my banking online that I would be charged a {$1.00} every month. I called them stating if you moved my information online you not only open me up to financial crimes but identity theft as well as they would put all my information online including my SSN. They couldnt care less. In fact they hung up on me the first time. Either I start banking online or be charged this fee. And as we all know as soon as they add a fee it will be no time until they begin to increase it.

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 2025-02-18 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: MicroBilt / PRBC (formerly CL Verify)
State: IA

Complaint narrative:
I received a email stating financing for my Business was available all they needed was o PULL A SOFT credit. I verified that it was a soft pull only email confirmation stated soft pull only

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 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

I demand the late payment reported to be removed/updated.

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 2025-02-18 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: TX

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One has consistently discriminated against me while attaching their brand logo onto my email, I have applied serval times with capital one but this company willful rejects my request for use of the credit card while taking the securities from my credit application while denying my the credit that is supposed to be extended to the consumer applying, this has happened serially over a 10year period. To make matters worse capitol one has abused me and terrorized me by placing ghost ads or pop up thru out my email threads this has been psychologically damaging even as I attempted to block them.

Company response to consumer: Closed with explanation