vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian sent me back saying the information for these accounts were verified but when asked to prove how did the verify the information and who provided the eveidence and if they can prove the eveidence is accurate and complete they couldnt respond to me. I have 5 negative items on my Experian credit report they all they say its verified but wont tell me how they verified 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 2025-01-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: LA

Complaint narrative:
I am being harassed by a XXXX XXXX! I spoke to a loan officer yesterday because I'm behind on my loan and I told her a particular day to call me back to defer because I have a lot going on with life right now! He gets on the phone and tells me I didn't talk to anyone. He proceeds to tell me that I'm actually rejecting to pay the loan entirely! He's called me before and he has the worst attitude! I'm sure I'm not the only one complaining about him!

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: EQUIFAX, INC.
State: FL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-10 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: NC

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$670.00} Inquiry XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Personal Information Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NC XXXX XX/XX/XXXX Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: MI

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint regarding persistent errors in my credit card statements, including incorrect amounts and unauthorized charges that have not been rectified despite my numerous attempts to resolve the issue with American Express. Over the past nine months, I have been charged amounts exceeding {$5000.00} across multiple billing cycles. I promptly provided detailed documentation and proof of these discrepancies, yet the company has failed to take corrective action. Instead, they have continued to impose interest and late fees, compounding the financial and emotional burden caused by their negligence. 



I demand immediate cancellation of all debts associated with the erroneous amounts on my account and a full correction of my credit report to reflect accurate information. American Express has consistently ignored my requests for accountability, violating both federal and state consumer protection laws. Their refusal to address these issues not only demonstrates bad faith but also leaves me with no choice but to escalate this matter through your office to ensure my rights are protected and justice is served.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I disputed 3 inquiries in my credit report from Experian to find out that none of them was verified or did I give them permission to discuss my personal information. I dont feel like proper procedure was taken. So, Im writing to get all items removed. I did not give consent to them reporting information in my name to the consumer reporting agencies.

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 2025-01-10 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: MI

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: LAKEVIEW LOAN SERVICING, LLC
State: GA

Complaint narrative:
bject : Complaint Regarding Mortgage Company Holding Insurance Funds Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a complaint against my mortgage company, XXXX, regarding the mishandling of insurance funds for XXXX  damage repairs to my home. I have been experiencing significant issues with them since XXXX, when I first received the insurance check for XXXX  damage to my property. 
Here is a summary of the situation : 1. Insurance Funds : I received the insurance check and promptly sent it to XXXX, as required. However, XXXX is only releasing {$40000.00} of the check to me initially, and they are telling me that I must undergo an inspection before more funds are released. 
2. Confusion and Contradictory Information : I was informed that the first inspection must show that 50 % of the repairs are complete before additional funds are disbursed. However, they are refusing to release 50 % of the insurance funds to allow me to begin the repairs, which is contradictory and preventing me from moving forward with necessary work on my home. 
3. Lack of Transparency : XXXX has been unable to provide me with any documentation or agreement showing that I authorized them to hold my funds or release them in increments. Each representative I speak with provides a different response, and I am given inconsistent information regarding what I need to do to get the funds released. 
4. Request for Clear Documentation : I have asked them to provide any signed agreement that would authorize them to hold and release the funds in phases, but they have not been able to do so. I have been told that all my calls are recorded, and I would appreciate your assistance in reviewing these recordings to verify the discrepancies in the information Ive been given. 


I am requesting that XXXX  either provide clear documentation showing that I agreed to this process, or if no such agreement exists, release all my insurance funds immediately so that I can begin repairs on my home. 
This situation has caused significant frustration, and I am seeking your assistance in resolving this matter. Thank you for your attention to this 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 explanation
Consumer complaint received 2025-01-10 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: MN

Complaint narrative:
I have made efforts to resolve this issue by reporting the incorrect information, which is severely affecting my personal life and causing considerable mental distress. The false and fraudulent entries on my credit report have prevented me from purchasing my dream car and supporting my family. These items do not belong to me, and I did not authorize any of this information to be reported. I am a victim of identity theft. For your reference, I have included my letter and the FTC report. If this matter is not resolved promptly, I will take legal action.

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: NY

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: NC

Complaint narrative:
I have submitted my ftc report showing I am a victim of identity theft along with my court papers to show that the judge dismissed the claim and I did not owe the company. I have mailed this information 5 times and uploaded it to there system but they still refuse to remove the information even with all the information provided

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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Collection XXXX XXXX XXXX XXXX - XXXX - {$670.00} Inquiry XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX Personal Information Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Im frustrated with the persistent inaccuracies on my report that are directly harming my score. This isnt just a minor issue ; its affecting real opportunities and my ability to grow financially. Its exhausting and unfair to be penalized for information thats wrong.

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 2025-01-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: U.S. BANCORP
State: AZ

Complaint narrative:
US Home Bank Mortgage has been charging me loan for dual insurance coverage. The loan is a FHA loan with Escrow so the only reason for for the insurance to drop coverage is if the yearly invoice is not paid. This has become continual pattern where I have to find another insurance provider based on information from US Bank Home Mortgage correspondences about imposed insurance on behalf of US Bank Home mortgage. US Bank Home Mortgage have also paid the insurance provider of my choosing and still build my loan account for a duplicate insurance. After receiving correspondence on XXXX of XXXX  from US Bank Home Mortgage about imposed insurance on my loan, I reached out to the insurance provider I had the prior year. US Bank Home Mortgage did not pay the invoice provided by the insurance company of my choosing instead, imposed a higher insurance on my loan account. I had to restart my insurance policy all over again, and waited for US Bank Home Mortgage to respond to the invoice sent by the insurance provider of my choosing. US Bank Home Mortgage paid the invoice and issued me a partial credit from the insurance they imposed. I then received correspondence about issued credit for 3 prior years of duplicate insurance imposed by US Bank Home Mortgage. US Bank Home Mortgage have paid my insurance providers of my choosing before, and still billed me for a duplicate insurance. When I called and spoke with a representative, they denied the facts and stated that " it's the insurance provider 's error. '' How many years have I been charged for duplicate insurance? How do you issue a credit and not go over the entire balance and credit fees, late charges and all other fractions? This was a scam that US Bank Home Mortgage should have known about due to them paying my insurance provider of choice through escrow. I need my entire loan reevaluated because this is not the first time that I received correspondence from US Bank about imposed insurance on my loan when I had already established an insurance company and have not filled any claims after the tree damage in approximate 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 2025-01-10 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian credit burau XXXX XXXX  XXXX XXXX XXXX XXXXXXXX Dispute of debt and request for validation I am writting regarding your recent communication concerning an alleged debt. I am disputing the validity of this debt under the fair debt collection practice Act ( FDCPA ) 15 U.S.C & 1692g, and I am requesting that you provide validation of the debt as required by law. 

Please provide the following information : 1. The name of the original creditor.

2. The amount of the debt, including a detailed breakdown of any fees, interest, or other charges.

3. Verification that you are legally authorized to collect this debt.

4. Copies of any documents or agreements that demonstrate i am legally obligated to pay this debt. 

Additionally, I request that you Cease all collection efforts, including phone calls, until this debt has been validated. Be advised that any further contact attempting to collect this debt without proper validation will be considered a violation of the FDCPA, and I reserve the right to file a formal complaint with the consumer financial protection bureau ( CFPB ) and other relevant authorities. 

Please respond to this request in writting within 30 days from the date you receive this letter.

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 2025-01-10 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:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-10 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:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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