vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-24 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: NM

Complaint narrative:
Here is the list of fraudulent inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I was XXXX  in Minnesota XXXX and while in XXXX  a family member had access to my information and opened accounts with places without my consent or knowledge. I am working diligently to get my life back on track and I want these fraudulent accounts removed. I have made minimum payments to this account to prevent further damaging information from being furnished to the bureaus, but it is not my debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: CA

Complaint narrative:
I am writing to formally dispute the account listed on my credit report, as it was opened without my authorization and is the result of fraudulent use of my identity. This is a serious issue, and I demand that you take immediate action to remove this fraudulent account from my credit report. I did not authorize this account, and it is vital that it is removed to prevent further harm to my credit and financial security.

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 2025-02-24 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: NY

Complaint narrative:
There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as 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 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN : XXXX Date of Birth : XX/XX/XXXX Date : XX/XX/XXXX My name is XXXX XXXX XXXX , and I am writing to formally dispute certain accounts that have been inaccurately reported on my credit report. Upon reviewing my credit report in XX/XX/XXXX, I noticed that the following accounts should not be reflected in my credit history, as I have no knowledge of them or the balances reported are incorrect. Please find the details of the disputed accounts below : XXXX. Account Name : CAVALRY PORTFOLIO SERVICE Account Number : XXXX Reported Balance : {$0.00} Account Status : Unverified XXXX. Account Name : XXXX XXXX XXXX. 
Account Number : XXXX Reported Balance : {$2100.00} Account Status : Unverified Under the Fair Credit Reporting Act ( FCRA ) of 1970, I have the right to dispute any incorrect or unverifiable information on my credit report. The FCRA mandates that credit reporting agencies must verify the accuracy and completeness of the information reported. If they can not verify the information within a reasonable time frame, it must be removed from my credit report.

I refer to the following key sections of the FCRA that support my dispute : Section 609 ( 15 U.S.C. 1681g ) : The right to obtain a copy of my credit report and to dispute any incorrect or incomplete information.

Section 611 ( 15 U.S.C. 1681i ) : Credit reporting agencies must investigate disputed information within 30 days. If they can not verify the information, they must remove it from my credit report.

Section 605 ( 15 U.S.C. 1681c ) : Limits the amount of time certain types of negative information can remain on my credit report ( e.g., unverifiable accounts must be removed if they can not be verified ). 
I kindly request that you investigate and remove the accounts listed above, as I have no knowledge of them or, in the case of the XXXX account XXXX the reported balance is incorrect. If you are unable to verify the information within the 30-day period required by law, I expect that appropriate measures will be taken to correct my credit report and remove the referenced accounts. 
Attached to this letter are the documents that support my dispute. I appreciate your prompt attention to this matter and look forward to receiving confirmation of the correction of my credit report soon. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My name is XXXX XXXX XXXX , and I am writing to formally dispute certain accounts that have been inaccurately reported on my credit report. Upon reviewing my credit report in XX/XX/XXXX, I noticed that the following accounts should not be reflected in my credit history, as I have no knowledge of them or the balances reported are incorrect. Please find the details of the disputed accounts below : 1. Account Name : XXXX XXXX XXXX Account Number : XXXX Reported Balance : {$0.00} Account Status : Unverified 2. Account Name : XXXX XXXX XXXX. 
Account Number : XXXX Reported Balance : {$2100.00} Account Status : Unverified Under the Fair Credit Reporting Act ( FCRA ) of 1970, I have the right to dispute any incorrect or unverifiable information on my credit report. The FCRA mandates that credit reporting agencies must verify the accuracy and completeness of the information reported. If they can not verify the information within a reasonable time frame, it must be removed from my credit report.

I refer to the following key sections of the FCRA that support my dispute : Section 609 ( 15 U.S.C. 1681g ) : The right to obtain a copy of my credit report and to dispute any incorrect or incomplete information.

Section 611 ( 15 U.S.C. 1681i ) : Credit reporting agencies must investigate disputed information within 30 days. If they can not verify the information, they must remove it from my credit report.

Section 605 ( 15 U.S.C. 1681c ) : Limits the amount of time certain types of negative information can remain on my credit report ( e.g., unverifiable accounts must be removed if they can not be verified ).

I kindly request that you investigate and remove the accounts listed above, as I have no knowledge of them or, in the case of the XXXX account , the reported balance is incorrect. If you are unable to verify the information within the 30-day period required by law, I expect that appropriate measures will be taken to correct my credit report and remove the referenced accounts.

Attached to this letter are the documents that support my dispute. I appreciate your prompt attention to this matter and look forward to receiving confirmation of the correction of my credit report soon.

Sincerely, XXXX 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 2025-02-24 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My name is XXXX XXXX XXXX , and I am writing to formally dispute certain accounts that have been inaccurately reported on my credit report. Upon reviewing my credit report in XX/XX/XXXX, I noticed that the following accounts should not be reflected in my credit history, as I have no knowledge of them or the balances reported are incorrect. Please find the details of the disputed accounts below : 1. Account Name : XXXX XXXX XXXX Account Number : XXXX Reported Balance : {$0.00} Account Status : Unverified 2. Account Name : XXXX XXXX XXXX. 
Account Number : XXXX Reported Balance : {$2100.00} Account Status : Unverified Under the Fair Credit Reporting Act ( FCRA ) of 1970, I have the right to dispute any incorrect or unverifiable information on my credit report. The FCRA mandates that credit reporting agencies must verify the accuracy and completeness of the information reported. If they can not verify the information within a reasonable time frame, it must be removed from my credit report.

I refer to the following key sections of the FCRA that support my dispute : Section 609 ( 15 U.S.C. 1681g ) : The right to obtain a copy of my credit report and to dispute any incorrect or incomplete information.

Section 611 ( 15 U.S.C. 1681i ) : Credit reporting agencies must investigate disputed information within 30 days. If they can not verify the information, they must remove it from my credit report.

Section 605 ( 15 U.S.C. 1681c ) : Limits the amount of time certain types of negative information can remain on my credit report ( e.g., unverifiable accounts must be removed if they can not be verified ).

I kindly request that you investigate and remove the accounts listed above, as I have no knowledge of them or, in the case of the XXXX account , the reported balance is incorrect. If you are unable to verify the information within the 30-day period required by law, I expect that appropriate measures will be taken to correct my credit report and remove the referenced accounts.

Attached to this letter are the documents that support my dispute. I appreciate your prompt attention to this matter and look forward to receiving confirmation of the correction of my credit report soon.

Sincerely, XXXX 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 2025-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
I have so many consecutive payment changes that it is too confusing to keep track of each month. I understand that escrow causes changes. 
I have had a mortgage over 20 years and understand the process and i have a fixed rate loan. 
I requested to pay my own escrow and was denied in spite of on time payments. 
I called Citizens on XX/XX/year> to explain i have so many correspondence from them with different payment amounts. 

XX/XX/year>, I paid extra {$400.00} towards escrow to keep payment the same XXXX. 

XXXX letter said to pay {$590.00}. 
XXXX letter said to pay {$610.00} XXXX letter said to pay {$620.00} XXXX XXXX letter said to pay {$860.00} yet the letter did not say why the payment has changed again. 

Also, I called because loan was reported to credit bureau as discharged in bankruptcy and i keep asking was the title changed since i dont own anymore? I explained that i reaffirmed the debt and customer service asked me what does reaffirm mean? 

I am frustrated with Citizens and i just want to pay my own escrow so that i dont get weekly letters of payment changes. 
I understand that my escrow analysis will be done again in XX/XX/year> which will result in yet another payment change. 
I want to pay the difference and i want to pay my own escrow. I have a fixed rate and just want to pay the correct amount and pay my own escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: NVR INC.
State: VA

Complaint narrative:
I have encountered several significant issues that I believe violate my consumer rights and the standards expected in mortgage lending.

1. Initially, the loan disclosure documents provided by NVR did not include specific charges. These were only revealed in subsequent disclosures, which has led to significant confusion and mistrust.

2. Initially, NVR agreed to allow payments towards my credit card debt. However, they later reversed this decision based on their underwriter 's advice, demanding full payment of the balance, which contradicts our initial agreement.

3. Despite multiple discussions and receiving updated disclosures, the final terms presented remained unacceptable and differed significantly from those originally discussed.

4. I was informed that I must pay XXXX prorated HOA fees. When I requested documentation to justify this, NVR overwhelmed me with documents, making it difficult to find pertinent information. They later came back and said it was not required.

5. I was also unexpectedly required to reimburse taxes that were not disclosed during the initial agreement phase.

6. The buy-down option was removed without my consent, which resulted in an increased interest rate of 6.75 %, significantly higher than the market rate and previously discussed rates.

7. Despite my decision to proceed with another lender, NVR has pressured me to sign their loan disclosure letter saying it was not force me to close with them and will give me more time than the XX/XX/XXXX. I reached out to XXXX and requested a new closing date after explaining the issue with their lender NVR homes. She told me someone in management would reach out, but that never happened. I received and email saying the closing would stay the same.

8. Necessary documents to facilitate the transition to a new lender have not been provided, with NVR suggesting that the new lender should obtain these themselves.

9. As a first-time homebuyer, I feel that NVR has taken advantage of my lack of experience and knowledge in the process, applying undue pressure and failing to provide transparent communication.

I believe these practices may violate federal consumer financial laws designed to protect consumers like myself. I request that the CFPB investigate these practices and ensure that appropriate measures are taken to rectify this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: WI

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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: WI

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2025-02-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: AES/PHEAA
State: PA

Complaint narrative:
American Education Services to me are a scam. XXXX XXXX furnished the loan in XXXX. 
I graduated in XXXX but the actual graduation was in XX/XX/XXXX. When I graduated from XXXX XXXX, I payed off my XXXX XXXX supposed from XXXX  XXXX, at which time I initiated a monthly bill payment to began after I got a job in XXXX which I was told it a deferred payment. The payments was through XXXX XXXX. Yet, Somewhere down this stressful time I started to get bills invoices not from XXXX XXXX but XXXX XXXX  XXXX  not immediately after graduation but in the middle of my deferment invoices began XXXX. It's XXXX and I am still paying for what was told to me at financial aid advisor to be a total of XXXX for subsided and unsubsidized loan. XXXX School was my concentration. I sure I was not aware or understood much of the financial language thatI continue to explain to XXXX I never missed a payment why am.I still paying I

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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: GA

Complaint narrative:
I am writing to formally dispute inaccurate and fraudulent information that appears on my Experian credit report in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681o. Additionally, I would like to reference the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against credit reporting agencies for failing to properly investigate consumer disputes. My dispute demands immediate investigation and deletion of all erroneous information outlined below. 
Also known as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have never authorized or opened the accounts listed above, nor did I approve the inquiries. Under 15 U.S.C. 1681o, I have the right to seek damages for negligent noncompliance with the FCRA. I demand that Experian conduct a thorough investigation, remove these fraudulent accounts and inquiries from my credit file, and provide me with an updated credit report reflecting these corrections. 
Failure to comply with this request will result in further legal action, including filing complaints with the Federal Trade Commission ( FTC ) and the CFPB, and pursuing my rights under the FCRA, including seeking damages as provided under 15 U.S.C. 1681o. 
Please respond to this dispute in writing within 30 days of receipt, as required by law. I appreciate your prompt attention to this matter and look forward to your resolution.

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 2025-02-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I have an overdue collections inquiry in my XXXX credit report related to an XXXX account which is a company that I have not had any type of business relation or association with, nor have never had an account with them on any of their services. 

Now other Collections company, CREDENCE RESOURCE MANAGE, previously XXXX XXXX XXXX and before XXXX have been trying to collect a debt related to an XXXX account, that I dont recognize and that it could be related to an identity theft case. I submitted an identity theft report already with number XXXX which resulted in removal of credit inquiry by collections company Enhance. 

XXXX insists on making me responsible for a debt that I do not have with them and becoming borderline harassment now using 3 different collections companies to pursue the same wrongful resolution.

Company response to consumer: Closed with non-monetary relief