vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-24 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:
Dear Consumer Financial Protection Bureau, I am writing to formally dispute the inaccurate reporting of accounts on my credit report by the three major credit bureaus : Experian, XXXX, and XXXX. I believe that these reports contain accounts that do not belong to me, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Despite my efforts to resolve this matter directly with the credit agencies, including multiple requests for debt validation, I have not received any satisfactory responses or documentation confirming the legitimacy of the disputed accounts. As a result, I am reaching out to you for assistance in rectifying this situation. 

On XX/XX/XXXX and XX/XX/XXXX dates of my communications with the credit bureaus ], I submitted requests to each of the credit agencies, asking them to validate the accounts that I believe are erroneously attributed to me. I provided all necessary information and documentation to support my claim ; however, I have not received the required debt validation reports, nor have I seen any action taken to remove these inaccurate accounts from my credit file. 

The accounts in question are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Furthermore, I am requesting that the credit bureaus provide a wet signature or original documentation as proof of debt validation for the disputed accounts. A wet signature is crucial to verify the authenticity and accuracy of the claims against me, and I believe it is my right to request such proof under the FCRA. The absence of a wet signature or valid documentation should lead to the immediate removal of these accounts from my credit report. 

The presence of these accounts on my credit report is adversely affecting my credit score and overall financial standing. I respectfully request that the Consumer Financial Protection Bureau investigate this matter and ensure that my rights are upheld by the credit reporting agencies. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving 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 non-monetary relief
Consumer complaint received 2024-11-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
The described loan and interest involved wasn't fully disclosed verbally when I took out the loan, I was reviewed into believing that my payments were applied to the principal which weren't., I have already paid XXXX $ on XXXX, and they keep rolling it over, I am unemployed, trying to retire, and am barely feeding myself. I'm in dire straits and it is a burden on my wife, and myself I have nothing, I can't even pay my property taxes, which is another predator y loan, I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: OneMain Finance Corporation
State: MO

Complaint narrative:
To whom it may concern : I recently received a copy of my credit report. I am concerned about the accuracy of the information being reported. Please investigate the following accounts as I dont believe the information to be accurate. 
XXXX Please remove the following inaccurate address from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL, XXXX XXXX XXXX XXXX XXXX # XXXX I noticed you are reporting multiple 30 day late payments on my credit history. I dont believe these to be accurate. Please check your records and verify that I was more than 30 days past my due date. 
XXXX XXXX XXXX # XXXX I noticed you are reporting multiple late payments on my credit history. I dont believe these to be accurate. Please check your records and verify the accuracy of each late payment being reported by your company. 
XXXX XXXX XXXX  # XXXX I noticed you are reporting multiple late payments on my credit history. I dont believe these to be accurate. Please check your records and verify the accuracy of each late payment being reported by your company. 
XXXX XXXX XXXX XXXX  # XXXX I noticed you are reporting multiple 60 day late payments on my credit history. I dont believe these to be accurate. Please check your records and verify that I was more than 30 days past my due date. 
XXXX XXXX XXXX # XXXX I noticed you are reporting multiple 30 day late payments on my credit history. I dont believe these to be accurate. Please check your records and verify that I was more than 30 days past my due date. 
XXXX XXXX XXXX XXXX XXXX  # XXXX I noticed you are reporting multiple 30 day late payments on my credit history. I dont believe these to be accurate. Please check your records and verify that I was more than 30 days past my due date. 
XXXX XXXX XXXX XXXX XXXX # XXXX I noticed you are reporting multiple 60 day late payments on my credit history. I dont believe these to be accurate. Please check your records and verify that I was more than 30 days past my due date. 
XXXX XXXX XXXX XXXX XXXX # XXXX I noticed you are reporting multiple late payments on my credit history. I dont believe these to be accurate. Please check your records and verify the accuracy of each late payment being reported by your company. 
XXXX XXXX XXXX # XXXX -- XXXX XXXX XXXX -- XXXX XXXX XXXX XXXX XXXX I noticed you are reporting multiple late payments on my credit history. I dont believe these to be accurate. Please check your records and verify the accuracy of each late payment being reported by your company.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the Fair Credit Reporting Act unverifiable accounts must be removed. Please send an updated copy of my credit report to the address listed above after the conclusion of your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: BSI Financial Holdings, Inc.
State: NC

Complaint narrative:
Madam or Sir : We filed a complaint ( XXXX ) when we were closing on our house in XXXX, NC in XX/XX/XXXX. The Mortage Company at time was BSI and they claimed our payoff was approximately XXXX. This was totally incorrect. We bought the house in XXXX for approximately {$190000.00} and added a second lien around XXXX. Around XXXX we owed approximately {$220000.00}. Our mortgage was sold several times between XXXX and XXXX. BSI bought the mortgage in XXXX and claimed we owed well over {$200000.00}. When we asked why it was so high, they sent us a copy of a document where my wife signed, and it stated that we owed over {$200000.00}. However, the document was dated XXXX. My question is, where did the 10 years or so of payments go? That is why we filed a complaint back in XXXX. Plus, at the time of closing, another second lien company ( XXXX ) charged us {$19000.00}, for what, we do not know. When my wife called to ask for a payoff, she was quoted around {$6000.00}. However, when we were closing on the house, it jumped to {$19000.00} with no explanation given for the increase. We filed the complaint nearly 3 years ago and no resolution has been given to us as of this date. Originally, my wife was working with an agent in your office named XXXX XXXX, who I believe is no longer with your office. I want to know who was assigned our complaint after XXXX XXXXXXXX I need a name, number, or email address. I need the name of the office that works with the complaints and the Supervisor 's name. I will file a formal complaint if this issue is not resolved properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 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: EQUIFAX, INC.
State: GA

Complaint narrative:
There is information thats on my consumer report that appears on my XXXX consumer reports that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be on my consumer report. I am requesting that the reporting of this information to 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 material misrepresentation of fact by me relevant to the request to block identified transactions. The identified transactions are not information related to any transaction made by me as the consumer. PLEASE REMOVE AND DELETE THE FOLLOWING INFORMATION BELOW FROM MY CONUSUMER REPORTS XXXX XXXX -- - XXXX # XXXX opened- XX/XX/year>. I Demand for this account to be REMOVED/ DELETED from my credit reports. I have also filed a FTC REPORT. See ATTACHMENT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-24 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: EQUIFAX, INC.
State: GA

Complaint narrative:
There is information thats on my consumer report that appears on my XXXX consumer reports that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be on my consumer report. I am requesting that the reporting of this information to 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 material misrepresentation of fact by me relevant to the request to block identified transactions. The identified transactions are not information related to any transaction made by me as the consumer. PLEASE REMOVE AND DELETE THE FOLLOWING INFORMATION BELOW FROM MY CONUSUMER REPORTS XXXXXXXX XXXX XXXX- - XXXX # XXXX-Date opened- XX/XX/year>. I Demand for this account to be REMOVED/ DELETED from my credit reports. I have also filed a FTC REPORT. See ATTACHMENT

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 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: OH

Complaint narrative:
I am writing to formally dispute multiple accounts reported on my credit file due to suspected identity theft. These accounts are not mine, and I believe they were opened fraudulently using my personal information without my consent or authorization. The following accounts are being disputed : XXXX XXXXAccount Number : XXXX XXXXCredit Bureaus : XXXX, Equifax XXXX. XXXX XXXX XXXX *Account Number : XXXX XXXXCredit Bureaus : XXXX XXXX. XXXX *Account Number : XXXX XXXXCredit Bureaus : XXXX XXXX XXXX *Account Number XXXX XXXX XXXXCredit Bureaus : XXXX XXXX. XXXX XXXXXXXX XXXX  XXXX Number : XXXX XXXXCredit Bureaus : XXXX, Equifax, XXXX XXXX I have contacted the respective credit bureaus ( XXXX, XXXX, and Equifax ) and reported the suspected fraud, but I am seeking your assistance to ensure that these accounts are investigated under the protections afforded to me by XXXX law. As part of my dispute, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) and the Fair and Accurate Credit Transactions Act ( FACTA ) ( 15 U.S.C. 1681c-2 ), which require the credit bureaus to promptly investigate any disputed information that is reported on my credit file. Furthermore, the Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) provides specific protections for individuals whose identities have been stolen, ensuring that fraudulent accounts are removed and not held against the victim 's credit. I have attached a copy of my Identity Theft Report ( FTC report or police report, if available ), as well as supporting documentation that demonstrates my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Uprova Credit, LLC
State: CO

Complaint narrative:
Interest rate is 582 %. XXXX XXXX. No way to make payment arrangements or extend payment time. Loan payment will come out regardless of bank balance causing overdrafts.

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 2024-11-24 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: VA

Complaint narrative:
I recently reviewed my credit and noticed fraudulent activity on my report. Please remove all fraudulent activity as it is hurting my ability to obtain credit. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-24 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: VA

Complaint narrative:
I recently reviewed my credit and noticed fraudulent activity on my report. Please remove all fraudulent activity as it is hurting my ability to obtain credit. 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 2024-11-24 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:
1. Provide a full accounting of the charged-off debt, including whether it was forgiven or canceled.

2. Issue a Form 1099-C for the cancellation of the debt, as required by IRS regulations .

3. Update the accounts status with all credit reporting agencies to reflect a {$0.00} balance if the debt was canceled, in compliance with FCRA rules.

4. Cease reporting any inaccurate or unverifiable information to credit bureaus, ensuring compliance with both FCRA and IRS requirements.

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 2024-11-24 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: CA

Complaint narrative:
1. Provide a full accounting of the charged-off debt, including whether it was forgiven or canceled.

2. Issue a Form 1099-C for the cancellation of the debt, as required by IRS regulations .

3. Update the accounts status with all credit reporting agencies to reflect a {$0.00} balance if the debt was canceled, in compliance with FCRA rules.

4. Cease reporting any inaccurate or unverifiable information to credit bureaus, ensuring compliance with both FCRA and IRS requirements.

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 2024-11-24 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-24 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a 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 2024-11-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: AZ

Complaint narrative:
I have been a consumer of Affirm Financial since XX/XX/year>. Mainly use it for specific purchases from XXXX, XXXX, XXXX XXXX and on occasion other vendors. The main problem I am having is for several of my XXXX XXXX in which there is a pending hold for a very small amount- under {$1.00} - which they have not released even though I have forwarded emails from XXXX to Affirm which state the pending hold on XXXX 's side is released and they will not be collecting the additional amount. This presents a problem because in all cases there is an unused amount that can be refunded to me which the pending hold is preventing me from getting the unused amount of money back. So if I request a loan for {$100.00} and only use {$85.00}, I have an unused amount of {$15.00} that would be credited back to the loan thus reducing the amount I owe. If Affirm would release the small change on pending hold, I would be able to go online and click the hyperlink to refund the unused amount. I have called Affirm, spoken with supervisors; emailed them 4 times on each of the XXXX loans that are affected and even went on their FB page to complain. Nothing has been resolved. Each transaction has a different loan ID #

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 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: CO

Complaint narrative:
[ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX ] [ XXXX, XXXX, XXXX ] XX/XX/year> EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute and Request to Update Personal Information Dear Sir/Madam, I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : Name : My current legal name is XXXX XXXX XXXX, but it is listed incorrectly on my credit report as XXXX, XXXX, XXXX. I request that my name be updated to reflect the correct information. 

Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, but my credit report shows an outdated address 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. I request that my current address be updated accordingly. 

Contact Information : I request that my new phone number, ( XXXX ) XXXX, be updated as my primary contact number. 

-I have enclosed copies of supporting documents to verify the accurate information provided above. The documents include : -A copy of my driver 's license or passport displaying my correct name. 
-A recent utility bill or bank statement showing my current address. 
-A copy of my phone bill or any other official document that displays my correct phone number.

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