vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-09 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: AL

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX/XXXX  XXXX XX/XX/XXXX Account Name : XXXX XXXX XX/XX/XXXX Account Name : XXXX  XXXX XXXX  XXXX - 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 explanation
Consumer complaint received 2025-04-09 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: TX

Complaint narrative:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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 demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: PA

Complaint narrative:
I am writing to formally dispute several inquiries that l believe to be fraudulent and have negatively impacted my credit report. 
Below is a detailed list of the inquiries in question : XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX : Account # XXXX I have not authorized any transactions or accounts with these institutions, and I believe these entries are the result of identity theft or fraud. I kindly request an investigation into these accounts and the removal of any fraudulent entries from my credit report. These inquires and their immediate removal from my credit report. I have attached a copy of the FTC report as well as my ID etc.

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 2025-04-09 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: PA

Complaint narrative:
I am writing to formally dispute several inquiries that l believe to be fraudulent and have negatively impacted my credit report. 
Below is a detailed list of the inquiries in question : XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX : Account # XXXX I have not authorized any transactions or accounts with these institutions, and I believe these entries are the result of identity theft or fraud. I kindly request an investigation into these accounts and the removal of any fraudulent entries from my credit report. These inquires and their immediate removal from my credit report. I have attached a copy of the FTC report as well as my ID etc.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: GA

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXwas 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 in to be removed. 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. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 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! Delete the late payments from my consumer reports

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 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

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 2025-04-09 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: VA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-04-09 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: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-04-09 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: VA

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-04-09 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: VA

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-04-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: BANKERS HEALTHCARE GROUP LLC
State: WA

Complaint narrative:
I am filing this complaint against Bankers Healthcare Group ( BHG ) for engaging in deceptive and potentially unlawful lending practices that I believe violate federal consumer protection laws, including the Truth in Lending Act ( TILA ). I am a retired, XXXX veteran and applied for a loan with BHG in XX/XX/year>. My loan was funded on XX/XX/year>. 

Key Issues 1. **Misrepresentation of Loan Type** : I explicitly indicated that the loan was for personal use specifically for personal, family, or household expenses. However, BHG classified the loan as a commercial/business loan, likely to circumvent the consumer protections and disclosures required under TILA.

2. **Lack of Proper Disclosures** : The loan agreement lacked proper disclosures regarding the Annual Percentage Rate ( APR ), finance charges, and did not inform me of my right to rescind. I was not given a clear, conspicuous breakdown of the true cost of the loan. 

3. **High-Pressure Signing** : BHG representatives guided me through the XXXX process via phone and rushed the signing process. I electronically signed the agreement within minutes of receiving it and did not have adequate time to review the terms. 

4. **Mental Health Crisis Following Loan** : Within days of signing, I experienced a XXXX XXXX XXXX  crisis, including a XXXX  attempt that led to a seven-day XXXX XXXX XXXX. I believe the financial stress and deceptive nature of this agreement contributed to this crisis and impaired my capacity to consent. 

5. **Excessive Loan Terms** : The total loan amount was {$72000.00} with a 15.99 % interest rate over 84 months, resulting in total repayment obligations of over {$120000.00}. This burden was not adequately explained or disclosed before signing. 

6. **Link to Known Class Action Behavior** : My experience aligns closely with the allegations in the XXXXXXXX XXXX XXXX. class action lawsuit against BHG, which describes the same deceptive practices. Although that lawsuit was dismissed, it reinforces the pattern of behavior I was subjected to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX  AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX. 

Account Name : XXXX XXXX XXXX XXXX - Date Opened XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: LA

Complaint narrative:
CONSUMER NOTIFICATION OF DISPUTE METRO 2 COMPLIANCE VERIFICATION REQUEST XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX SSN : XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX : FCRA SECTION 611 - DISPUTE OF INACCURATE REPORT INFORMATION METRO 2 COMPLIANCE VERIFICATION CONSUMER INFORMATION : Consumer Name : XXXX XXXX Current Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ID XXXX XXXX ( Last XXXX SSN ) COMPLIANCE VERIFICATION REQUEST : PURSUANT TO THE FAIR CREDIT REPORTING ACT ( FCRA ) SECTION 611 AND THE METRO 2 FORMAT COMPLIANCE STANDARDS, I HEREBY FORMALLY DISPUTE THE FOLLOWING ITEMS APPEARING ON MY CREDIT REPORT AS THEY CONTAIN INACCURATE, INCOMPLETE, UNVERIFIABLE, AND UNAUTHORIZED INFORMATION : SEGMENT : INQUIRY RECORDS FIELD : MULTIPLE HARD INQUIRIES COMPLIANCE ISSUE : UNAUTHORIZED ACCESS & PERMISSIBLE PURPOSE VIOLATION SPECIFIC INQUIRY VIOLATIONS : XXXX. DATE XXXX XXXX XXXX XXXX XXXX XXXX  XXXX separate inquiries on same day COMPANIES : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX without authorization, non-compliant with Metro 2 Format field XXXX ( Permissible Purpose Code Field ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  inquiries within minutes COMPANIES : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Multiple inquiries within minutes COMPANIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VIOLATION : Metro 2 Format field violations for multiple inquiry processing XXXX. DATE FIELD SEGMENT : XX/XX/XXXX QUANTITY : Multiple inquiries within minutes COMPANIES : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Failure to maintain Metro 2 Format field compliance for inquiry verification

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 2025-04-09 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 recently reviewed a copy of my credit report and noticed a inaccurate fraudelent account. Please remove this account from my report, it is hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Data Mortgage Inc.
State: FL

Complaint narrative:
I am a 100 % permanently and totally XXXX veteran with a VA loan serviced by XXXX XXXX. I was recently approved for a XXXX loan modification with a XXXX-year term at 2.5 % interest. While I appreciate the approval, I formally requested that XXXX consider a XXXX-year term, as permitted under XXXX XXXX XXXX XXXX Section XXXX  which allows modification terms up to XXXX months. 

Despite my request, XXXX XXXX has refused to consider or escalate a hardship-based review for the XXXX-year term. This is occurring even though my financial hardship is well-documented, I am on a fixed income ( VA XXXX and XXXX  ), and I support a family of XXXX. XXXX refusal is based on the claim that the 20 % payment reduction threshold was met however, the VA does not prohibit XXXX-year terms when the 20 % threshold is met, and the VA emphasizes affordability and sustainability in all servicing and XXXX guidance . 

Additionally, XXXX is calculating my escrow with a {$0.00} property tax amount, which grossly underestimates my real monthly obligation. Once taxes are properly escrowed, my payment will no longer meet the 20 % reduction required by the VA, and it will become unaffordable based on my current income. 

I have made repeated requests to speak with a supervisor, and those requests have been delayed or denied. XXXX handling of this matter appears to violate multiple aspects of VA servicing policy and possibly Regulation XXXX  ( XXXX XXXX XXXX  ) for mortgage servicing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: OH

Complaint narrative:
This is not a misunderstanding or an error on my part, this is a legitimate and urgent complaint. My credit report contains inaccurate information that clearly fails to meet the legal standard of maximum possible accuracy. These inaccuracies are having a serious and ongoing negative impact on my life, affecting me emotionally, financially, and mentally during an already difficult time. The burden they are placing on me is severe, and I can not overstate how important it is that this issue be corrected immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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:
FCRA violations : accounts that are not mine XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$14000.00} Status Account charged off. {$13000.00} written off. {$14000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$1700.00} Status Collection account. {$1700.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$28000.00} Status Collection account. {$280.00} FCRA violations : inquires not mine XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX  On record until XX/XX/XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief