vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 2025-02-08 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: CA

Complaint narrative:
I am writing to file a complaint regarding an error on my TransUnion credit report. The report is missing payment history for the period between XX/XX/XXXX and XX/XX/XXXX. All payments during this time were made on time and are current, as I have proof in my records. 

This omission has resulted in an incomplete and inaccurate representation of my credit history, which may negatively impact my creditworthiness. I have already contacted TransUnion regarding this issue but have not received a resolution. 

I kindly request that the CFPB assist in investigating this matter and ensure that TransUnion updates my credit report to accurately reflect my payment history for the affected period. 

Attached to this complaint are documents supporting my claim, including payment confirmations. 

Thank you for your attention to this matter. I look forward to a prompt 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 2025-02-08 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: TX

Complaint narrative:
XXXX XXXX XXXX is reporting to all three credit bureaus incorrect information the Date that it was opened is XXXX XXXX XXXX  and its also stating that it was charged off. The company address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I have disputed this account over 5 times and they insist that this account is mines and disregarded my complaint about me being a victim of identity theft. This information is inaccurate and need to be removed from my credit report immediately. According to 15USC 1681i ( a ) 1 and 15USC1681i ( a ) 6 ( B ), 15USC1681i ( a ) 5 ( b ).

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 2025-02-08 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:
XXXX XXXX XXXX is reporting to all three credit bureaus incorrect information the Date that it was opened is XXXX XXXX XXXX  and its also stating that it was charged off. The company address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I have disputed this account over 5 times and they insist that this account is mines and disregarded my complaint about me being a victim of identity theft. This information is inaccurate and need to be removed from my credit report immediately. According to 15USC 1681i ( a ) 1 and 15USC1681i ( a ) 6 ( B ), 15USC1681i ( a ) 5 ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with fraud alerts or security freezes — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I was searching for a loan and a company calling themselves XXXX XXXX offered a {$2000.00} to a {$30000.00} loan. I was cautious because I knew it was too good to be true so I gave them my Acct. # & routing # but I understand it is a scam if they ask you for your passwords or PIN code. I denied the offer, but I got a call from USAA on my caller ID suggesting that I call XXXX to the loan company Lending Point which was never done by my Bank of USAA in the 4 years Ive been a respected member of. Someone is working within the bank to take advantage of its members identifications. The individuals had XXXX XXXX accents. 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 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Credit Karma, LLC
State: GA

Complaint narrative:
My debt decreased because of my loans deleted. Credit karma stated my credit scores when I deleted off my education loans ( 8 ) loans. CK says each every deleted or discharged the scores go up XXXX points. The Never increased my credit score XXXX points for 8 items

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX  Account number : XXXX, Account name : XXXX XXXX XXXX XXXX Account number : XXXX, Account name : XXXX XXXX XXXX XXXX Account number : XXXX, Account name : XXXX XXXX Account XXXX, Account name : XXXX XXXX XXXX XXXX  Account number : XXXX has violated my rights. 

I looked at my Experian Credit report on XX/XX/year> and noticed some things are incomplete and not accurate. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general lf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I have been getting notifications that I have purchased cars, credit cards and medical bills in my name in which I havent purchased or been able to purchase due my credit being used by someone. Ive made several attempts throughout the years to seize and dispute these items on my credit but they come back verified as my mine which is not the case. I finally found the issue and that was when I was notified that my data was breached in the XXXX case. I sent over my evidence for the XXXX settlement and received my settlement, now Im trying to get my credit cleared.

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 2025-02-08 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: AmeriCollect
State: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint and Request for Removal of Illegally Reported Medical Debt To Whom It May Concern : I am writing to formally dispute the inclusion of a {$1100.00} medical debt on my credit report. I contend that the reporting of this debt violates current federal regulations and the Fair Credit Reporting Act ( FCRA ), as amended by the CFPBs Final Rule on Medical Debt Reporting ( Docket XXXX, RIN XXXX ). 

According to the CFPBs final rule finalized on XX/XX/XXXX, XXXX set to become effective XX/XX/XXXX, XXXX reporting agencies are prohibited from furnishing medical debt information on consumer credit reports for purposes of credit decisioning. Specifically, Regulation V now restricts the use of medical debt information by creditors and mandates that such data be excluded from consumer reports provided to lenders. This rule is supported by the CFPBs finding that medical debt is a poor predictor of a consumers ability to repay loans and that its inclusion often results in significant errors and undue harm to consumers. 

Furthermore, under the FCRA, as interpreted by the CFPBs new rule, the inclusion of medical debt that is not relevant to a consumers creditworthiness is impermissible. Despite this, my credit report from [ Equifax ] continues to reflect a medical debt in the amount of {$1100.00}. Given that this information is now deemed prohibited for credit reporting purposes, I request that you immediately investigate and instruct the credit reporting agencies to remove this debt from my credit file. 

Enclosed you will find a copy of my credit report highlighting the disputed entry, along with any supporting documentation I have regarding this debt. I respectfully request that the CFPB take appropriate enforcement action to ensure that this data is expunged from my credit report, in accordance with the updated rules. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation in writing of the removal of this debt from my credit report. Should you need any further information, please feel free to contact me at XXXX. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Healthcare Finance Direct LLC.
State: PR

Complaint narrative:
XXXX XXXX XXXX has shut down and left me without completing my treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc.
State: FL

Complaint narrative:
Interested has been incorrectly accruing while on SAVE plan forbearance and is now over {$1000.00} despite interest having to be {$0.00} on this repayment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: NV

Complaint narrative:
I would like to formally express my concern regarding a series of recent developments in the financial services industry that have resulted in multiple lawsuits being filed against various institutions. As a consumer, I am deeply troubled by reports of questionable practicesincluding hidden fees, deceptive lending terms, and other unfair practicesthat not only undermine consumer trust but may also violate established consumer protection standards.

Recent news articles and legal actions suggest that several financial institutions may be engaging in behavior that jeopardizes the financial well-being of their customers. These practices appear to be widespread and potentially systemic, raising serious concerns about the overall integrity of the industry. I believe that such actions are contrary to the consumer rights that the CFPB is charged with protecting, and I feel compelled to bring this issue to your immediate attention. 

I respectfully request that the CFPB initiate a thorough investigation into these matters. Specifically, I urge your office to examine whether these practices violate any applicable laws or regulations designed to protect consumers. In addition, I would appreciate any guidance on how affected individuals like myself might safeguard our interests while this investigation is underway. 

Thank you for your prompt attention to this serious matter. I trust that your office will take appropriate steps to address these concerns and help ensure that consumers are not further disadvantaged by exploitative practices within the financial sector.

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 2025-02-08 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: KY

Complaint narrative:
I am writing to formally dispute incorrect address, paid off accounts that are on my account. This matter falls under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681o, which holds entities liable for negligent non-compliance with the Act. 

On XX/XX/year>, I became aware that [ describe the issue, e.g., " your company failed to correct inaccurate information on my credit report despite my prior dispute, '' or " my personal data was disclosed without proper authorization ''. This failure to comply has caused me not to be able to get a personal loan or a buisness loan. 

To resolve this matter, I request the following actions : Immediate correction of the inaccurate or disputed information.

A detailed explanation of the steps taken to address my dispute. 
Compensation for any damages incurred due to this non-compliance, as permitted under the FCRA. 
If this matter is not resolved within [ reasonable timeframe, such as 30 days ], I will be left with no choice but to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and/or pursue legal action to enforce my rights under the FCRA. 

Please provide a written response confirming your corrective actions. You may contact me at XXXX or XXXX if further information is needed. 


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 2025-02-08 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Unauthorized/Inaccurate Credit Inquiries Dear Equifax , TransUnion, Experian Dispute Department , I am writing to formally dispute unauthorized or inaccurate inquiries that appear on my credit report. I placed a security freeze on my credit but Upon reviewing my credit report, I noticed the following inquiries that I DID NOT authorize but was added on my credit report by XXXX XXXX : List of Unauthorized Inquiries : New Home Equity Loan as of XXXX According to the Fair Credit Reporting Act ( FCRA ), a company must have my written permission to access my credit report. I did not grant such authorization for the inquiries listed above. Therefore, I request that these inquiries be removed from my credit report immediately. 

Enclosed, I have included a copy of my credit report with the disputed inquiries highlighted, as well as a copy of my drivers license and a utility bill ( or another proof of identity ) for verification purposes. 

Please investigate this matter and remove the unauthorized inquiries from my credit report. I request a written response confirming the results of your investigation. If these inquiries are not removed, please provide documentation proving that I authorized them. 

Thank you for your prompt attention to this matter. I appreciate your cooperation in ensuring the accuracy of my credit report. 

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 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MT

Complaint narrative:
The credit scores that I pull through bureau paid subscription credit reports, does not match the score being reported through my credit cards, nor does it match the score pulled by lenders. My lender told me that it is common that lenders see a lower score than what the consumer is able to pull through the bureaus. The difference is enough that it pushes me into a lower lending bracket. I understand that credit pulls reduce your score. The difference between what I see through the bureaus and what the lender is pulling is XXXX - XXXX points. The scores the consumer sees, the scores communicated through credit card services, and the scores pulled by a lender should not vary more than a couple of points. This is an unfair credit practice, everyone should see the same score. 

Updating my contact information like a change of address or reporting a higher wage should not impact my credit score negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: FL

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actio

ns may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions

may also contravene the Consumer Financial Protection A ct ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
XXXX XXXX XXXX XXXX and 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 2025-02-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: IN

Complaint narrative:
ALLY XXXX XXXX XXXX XXXX MN I have a complaint against ALLY, I have tried many times to move the due date towards the end of the month. 
this loan originated in XXXX of 2021 and was to receive the 1st bill at the end of XXXX. 
After many tries the, due date still comes due at the XXXX of the month, including over invoicing. 
Furthermore, every time i call the representative is of XXXX XXXX XXXX and can not understand a single word they say. 
Now because of the economy and having to pay the mortgage on the XXXX of the month i have acquired many many late fees and some delinquency 's which have affected my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: TRUIST FINANCIAL CORPORATION
State: MA

Complaint narrative:
On XX/XX/year>, I contacted Lightstream.com about making a principal payment on my loan. Unlike other banks that allow clients to pay down the principal balance, Lightstream does not offer this option. They only permit advance payments, which seems to be a way for them to collect more interest from me.

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