vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am writing to formally dispute inaccurate information that is being reported on my credit report.

Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : I am disputing this account with XXXX XXXX as it does not belong to me. I have no record of entering into any agreement or contract with this company, and I believe it may have been reported in error. Please investigate this matter and remove it from my credit report if ownership can not be verified. 

Account Name : XXXX XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX Reason : I am disputing this account with XXXX XXXX  as it does not belong to me. I have no record of entering into any agreement or contract with this company, and I believe it may have been reported in error. Please investigate this matter and remove it from my credit report if ownership can not be verified.

These items are either inaccurately reported or have already been resolved, and I respectfully request that they be thoroughly investigated and corrected. Despite my prior efforts to address this matter by contacting both the credit reporting agency and the data furnisher, the issue remains unresolved.

To support my claim, I have attached relevant documentation, including screenshots of my credit report highlighting the inaccuracies and other supporting evidence. I kindly ask for your prompt attention to this matter to ensure the information on my credit report is accurate and reflective of my true credit history.

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 2025-01-13 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: CA

Complaint narrative:
Ive discovered discrepancies on my credit report tied to 15 USC 16c-2. The listed inquiries werent authorized by me and are inaccurately affecting my credit. I kindly request their removal. Thank you!

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 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
Called every day multiple times a day for at least two weeks. Today is XXXX XX/XX/year>. Ive requested they stop calling. They usually hang up before I can complete the sentence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Mortgage One Funding LLC
State: VA

Complaint narrative:
In XX/XX/year>, I was with XXXXXXXX XXXX XXXX. I had placed my trust in them and didn't have any problem. Their representatives had been calling me to refinance my home, assuring me that they could get me to refinance under {$1500.00} per month. I was talking back and forth with a lovely guy who advised me that someone would be calling me. Hours past I received a call from XXXX XXXX XXXX. He said that XXXX could not get me under {$1500.00}, so they transferred my information to them, and he could get me down. He advised me that he could get my payments at {$1300.00} per month. He said he saw that I didn't make that much and should try to find other work because I didn't make that much money. I started working with him, and he kept telling me he had me approved and sent me paperwork. I looked it over, and it said {$1600.00}. I told him I couldn't do that, and he advised me that would not be my payment because of the up and down rates. I signed it like a fool. A week later, the guy from XXXX called and explained he had not sent my paperwork anywhere. He advised that brokers and companies see when they pull my credit and call the customers. I tried calling the office to speak with XXXX XXXX, and I got XXXX 's voice saying he was XXXX. It's a bunch of fast talk. I want people to know how these brokers will call you and say they are with someone else. Now, I am stuck with a payment of {$1800.00}. I am so embarrassed that I let this happen. I was not going to make a complaint, but then I thought about how others and XXXXXXXX are doing the same thing to not do business with XXXX and XXXX XXXX from Mortgage One. Firm. I felt a deep sense of betrayal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: NJ

Complaint narrative:
I DO NOT RECOGNIZE THIS ADDRESS PLEASE REMOVE THANKS YOU!

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 2025-01-13 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: CA

Complaint narrative:
Subject : Dispute of Fraudulent XXXX XXXX XXXX Account Reporting To Whom It May Concern, I am writing to formally dispute the reporting of a fraudulent account under the name XXXX XXXX XXXX that is inaccurately listed on my TransUnion credit report. I want to make it unequivocally clear that this account does not belong to me, and I request its immediate and permanent deletion from my credit file. 

As required under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, TransUnion is obligated to investigate disputed items and ensure that all information reported is accurate, complete, and verifiable.

To assist in your investigation, I am including the following supporting documents : A completed XXXX XXXX XXXX XXXX, as requested by their fraud department. 

A copy of my government-issued ID. 

Proof of my address. 

Any additional documentation that substantiates my identity and confirms that this account is fraudulent. 

This account was established without my knowledge, authorization, or consent, and its presence on my credit report is both harmful and inaccurate. I demand the following actions : Immediate investigation of this dispute as required under the FCRA. 
Permanent deletion of the XXXX XXXX XXXX account from my credit report if the account can not be verified as legitimate. 

Written confirmation that this fraudulent account has been removed and that the dispute process has been resolved. 

Failure to properly investigate or remove this fraudulent account will result in further action, including complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other regulatory bodies for FCRA violations.

Please address this matter promptly and respond to my dispute in writing within the legally required 30-day timeframe. I appreciate your immediate attention to this serious issue. 

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 2025-01-13 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( 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 section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( 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 section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me 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 explanation
Consumer complaint received 2025-01-13 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: CL Holdings LLC
State: LA

Complaint narrative:
Upon review of my updated credit report, I noticed that a debt buyer had obtained my credit from another source and I did not authorize this debt to be sold to this debt buyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: TX

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
They provided us with all information that is completely incorrect!!! We have never missed a payment or been late on a payment they have fees and fees that are illegal on my account!! Its obvious you arent going help either!! Its disgusting!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-01-13 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: KS

Complaint narrative:
I recently reviewed my credit report and found several billing errors. The reported late payments do not align with my usual payment history. Kindly update and correct these inaccuracies on my account. Thank you!

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 2025-01-13 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: KS

Complaint narrative:
I recently reviewed my credit report and found several billing errors. The reported late payments do not align with my usual payment history. Kindly update and correct these inaccuracies on my account. Thank you!

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 2025-01-13 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: TX

Complaint narrative:
I am writing to formally dispute certain accounts and inquiries listed on my consumer credit report, which I believe result from a data breach, fraud, or unauthorized activity. I request that you provide verifiable proof, including my signature or electronic signature, for any reported accounts or inquiries. This letter is submitted by me personally, not through a third party, so please review it carefully. 

I did not authorize any of the actions related to these accounts or inquiries, and I believe they represent a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B, which addresses the blocking of information resulting from a data breach or fraud [ 15 U.S.C. 1681c-2 ], as well as Section 604, which covers permissible purposes for consumer reports [ 15 U.S.C. 1681b ].

Upon contacting the companies responsible for reporting these accounts, I found that these actions were initiated without proper validation or original proof from the reporting parties. As I never authorized these accounts or inquiries, they are not factual and must be considered a result of either a data breach or illegal reporting by creditors or third-party data furnishers.

I request that these items be promptly investigated and removed from my credit report. If you can not provide the requested proof of authorization, I expect these entries to be corrected in accordance with the law.

Thank you for your attention to this matter. I look forward to your prompt response.

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 2025-01-13 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( 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 section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me 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 2025-01-13 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: CA

Complaint narrative:
Its absolutely ridiculous that this issue is still unresolved. Ive been trying to get these pending litigation accounts removed from my credit report for months. Ive contacted you more times than I can count, and each time, Im left without a solution. These accounts are completely inaccurate and damaging my credit score, and Im done waiting for someone to fix this.

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 2025-01-13 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: FL

Complaint narrative:
After carefully reviewing my credit report, I found several incorrect information that does not belong to me. Please review letter for detailed information. 

The financial industry depends on accuracy and trust. Deviation from this can lead to issues for lenders and other parties involved, in addition to individuals. I trust your organization to carefully verify each and every piece of information you have put together as I go over my report. 
More than just a tool for transactions, credit reports are a record of a person 's financial history. A portion of this journey is told by each entry and number. False representations of someone's journey are what constitute inaccuracies, not administrative errors. Together, let 's make sure that my journey is accurately and completely depicted.

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 2025-01-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
A lease that was charged off on my account after a total loss I am still being held accountable for without any notice which was over 1 year ago and the capital one auto finance is falsely reporting the account is active over these past few months.

Company response to consumer: Closed with explanation