vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My Experian credit report also contains multiple charge-off inaccuracies that have been a major source of financial stress and anxiety. The XXXX account ( XXXX * * * * ) from XX/XX/XXXX lists a substantial balance of {$6800.00}, which has not been properly validated and remains in dispute. The XXXX account ( XXXX * * * * ) from XX/XX/XXXX, showing a {$0.00} balance, is incorrectly reported as a charge-off, which unjustly affects my credit standing. The XXXX XXXXXXXX account ( XXXX * * * * ) from XX/XX/XXXX also inaccurately lists a balance of {$6600.00}, and the XXXX account ( XXXX * * * * ) from XX/XX/XXXX, despite having a {$0.00} balance, remains listed as a charge-off, which is misleading and potentially the result of a data breach. These errors violate my rights under 15 USC 1681n, 1681 ( c ) 2, and 1692 ( g ), which require that all reported debts be accurate, properly validated, and clearly communicated. The ongoing presence of these inaccuracies has caused significant emotional and financial strain, making it difficult for me to move forward financially.

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 2025-05-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

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 2025-05-08 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: GA

Complaint narrative:
I am writing to express my immense frustration and concern over several inaccurate accounts reported on my TransUnion credit report. The XXXX XXXX account ( XXXXXX/XX/XXXX ), listed as a charge-off with a {$0.00} balance as of XX/XX/XXXX, is completely erroneous. XX/XX/XXXXXXXX XXXX account ( XXXXXX/XX/XXXX) shows a charge-off on XX/XX/XXXX with an outstanding balance of {$1700.00}, which I have no recollection of, and theXX/XX/XXXX account ( XXXXXX/XX/XXXX ), with a {$0.00} balance from a charge-off on XX/XX/XXXX, is similarly inaccurate. These inaccuracies are not only damaging my financial reputation, but they are also causing significant mental and emotional distress. As a result, I am unable to access financial services or even housing opportunities. It is highly concerning that such discrepancies are appearing on my credit report, and it is likely that these errors are a result of a data breach, which is especially troubling considering the sensitive nature of financial information. This poses serious risks to my personal and financial security, which should not be taken lightly. Under 15 USC 1681n, 1681 ( c ) 2, and 1692 ( g ), credit reporting agencies are obligated to ensure the accuracy of the information on my report. The failure to validate and correct these errors is a clear violation of the Fair Credit Reporting Act ( FCRA ).

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 2025-05-08 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: CARRINGTON MORTGAGE SERVICES, LLC
State: VA

Complaint narrative:
I am a customer of Carrington Mortgage. Hurricane Helene caused massive damage to our property. XXXX has partnered with a third-party to handle their loss claims. The insurance company gave us a check and we sent it to XXXX to endorse which is a whole difficult process. They had us endorse the check before sending it to them. We have gone back and forth for XXXX weeks now because they are not happy with what the insurance company sent. They will send an inspector out but only once we send in everything they ask for. We have sent in XXXX rounds of paperwork and they keep asking for more. They now want the invoice for the tree removal from the workshop that has already been fully repaired. Well come look at it and you will see it was removed. They say once we send in everything they want it will take 20 to 30 days for an inspector to even come out and look at it. This is ridiculous. They have us endorse the check and then hold the money XXXX. Are they earning interest on all these checks? They should sit in a non interest bearing escrow account. Do they? This whole process is tedious and a waste of my time. Come look at the work and if it's not completed then ask for proof but quit wasting our time and holding our money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: EGL US, LLC
State: FL

Complaint narrative:
This Company Claims I made payment arrangements with them with No proof in writing of this said agreement Ive asked for agreement to no Avail

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: CA

Complaint narrative:
Subject : Request for Removal of Inquiries ( Identity Theft ) Dear Credit Bureau, I am writing regarding several hard inquiries on my credit report. These inquiries were made as a result of identity theft and were not authorized by me. 
I am requesting that the listed inquiries be removed, as they are a direct result of fraudulent activity and not a mistake on my part. 
To support my claim of identity theft, I am providing the following documents : A copy of my identification ( ID ) My Social Security Number ( SSN ) Proof of my current address FTC Report of identity theft Below is the list of inquiries that need to be removed from my credit report : XXXX XXXX XXXX, XXXX  XXXX XXXX These inquiries were made without my knowledge or consent, and I kindly request that they be removed in accordance with the applicable laws. 

Please review my request and remove the inquiries from my report as soon as possible. Thank you for your attention to this matter. I look forward to your 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 non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX Subject : Request for Debt Validation Dear Capital One, I am writing in response to your communication regarding the alleged debt referenced above. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. XXXXg, I formally request validation of this debt. 

Please provide the following information : * Proof that I owe this debt ( original creditors name, account number, and a copy of the signed agreement ). 
* A detailed breakdown of the amount owed, including interest, fees, and payments credited. 
* Verification that your company is legally authorized to collect this debt in Texas. 
* The date of the last payment. 

Until you provide this documentation, I dispute this debt and request that you : Cease all collection efforts by reporting this to the credit bureaus Update my credit report to reflect this dispute. 

Confirm in writing if this debt has been sold or transferred. 

If you fail to validate this debt within XXXX days, I expect all collection activities to stop, and the debt to be removed from my credit file. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to dispute the debt you claim I owe and to address your unlawful collection actions. I do not acknowledge any debt to the following collection agencies : XXXX. XXXX - XXXXXXXX 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 Under XXXX XXXX XXXX ( b ) ( XXXX ), I request complete validation, including the original creditor, account details, and a full itemization of all charges. A copy of the purchase agreement is also required to confirm your authority to collect. Ive filed a complaint with the CFPB over these issues. 
I am revoking all permission to contact me by phone, email, or text. Only written communication is permitted. Your failure to properly notify me and allow dispute, as required by law, violates my rights. Furthermore, [ creditor_name ] is prohibited from reporting this debt without providing the necessary disclosures under XXXX XXXX XXXX ( d ) and 15 USC XXXX ( a ) ( XXXX ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: GA

Complaint narrative:
To Whom It May Concern : I am writing to formally dispute the charge-off reported on my credit report, as it contains significant inaccuracies in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC XXXX XXXX b ), which requires consumer reporting agencies to " follow reasonable procedures to assure maximum possible accuracy of the information. '' The charge-off entry for XXXX XXXX XXXX  is inaccurately reported in the following ways : Open date : XX/XX/XXXX Close date : XX/XX/XXXX Current balance does not reflect payments made/settlements/corrections, etc. 

Account status fails to show relevant updates. It's reported as a charge off for multiple months when it should have been charged off only once. 

Under 15 USC XXXX ( b ), you have failed to maintain reasonable procedures to ensure maximum possible accuracy of my consumer information. This inaccurate reporting has caused significant damage to my creditworthiness and ability to obtain credit. 

I demand that you : Conduct a reasonable investigation of these inaccuracies Remove or correct the charge-off entry within XXXX days Provide documentation showing how you verified this information 's accuracy Send me an updated copy of my credit report showing the corrections If these actions are not taken within the statutory timeframe, I will pursue additional remedies available under the FCRA, including seeking actual and punitive damages. 

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 2025-05-08 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: GA

Complaint narrative:
To Whom It May Concern : I am writing to formally dispute the charge-off reported on my credit report, as it contains significant inaccuracies in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC XXXX ( b ), which requires consumer reporting agencies to " follow reasonable procedures to assure maximum possible accuracy of the information. '' The charge-off entry for XXXXXXXX XXXX XXXX is inaccurately reported in the following ways : Open date : XX/XX/XXXX Close date : XX/XX/XXXX Current balance does not reflect payments made/settlements/corrections, etc. 

Account status fails to show relevant updates. It's reported as a charge off for multiple months when it should have been charged off only once. 

Under 15 USC XXXX ( b ), you have failed to maintain reasonable procedures to ensure maximum possible accuracy of my consumer information. This inaccurate reporting has caused significant damage to my creditworthiness and ability to obtain credit. 

I demand that you : Conduct a reasonable investigation of these inaccuracies Remove or correct the charge-off entry within XXXX  days Provide documentation showing how you verified this information 's accuracy Send me an updated copy of my credit report showing the corrections If these actions are not taken within the statutory timeframe, I will pursue additional remedies available under the FCRA, including seeking actual and punitive damages. 

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 2025-05-08 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: GA

Complaint narrative:
To Whom It May Concern : I am writing to formally dispute the charge-off reported on my credit report, as it contains significant inaccuracies in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC XXXX XXXX b ), which requires consumer reporting agencies to " follow reasonable procedures to assure maximum possible accuracy of the information. '' The charge-off entry for XXXX XXXX XXXX  is inaccurately reported in the following ways : Open date : XX/XX/XXXX Close date : XX/XX/XXXX Current balance does not reflect payments made/settlements/corrections, etc. 

Account status fails to show relevant updates. It's reported as a charge off for multiple months when it should have been charged off only once. 

Under 15 USC XXXX ( b ), you have failed to maintain reasonable procedures to ensure maximum possible accuracy of my consumer information. This inaccurate reporting has caused significant damage to my creditworthiness and ability to obtain credit. 

I demand that you : Conduct a reasonable investigation of these inaccuracies Remove or correct the charge-off entry within XXXX  days Provide documentation showing how you verified this information 's accuracy Send me an updated copy of my credit report showing the corrections If these actions are not taken within the statutory timeframe, I will pursue additional remedies available under the FCRA, including seeking actual and punitive damages. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am submitting this complaint to serve as a notice that I sent this agency the attached dispute so they can not claim they didn't receive it. I will not allow them to continue with their noncompliance

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX XX/XX/year> Equifax XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX Subject : Dispute of Fraudulent Account - VIVE Financial Dear Equifax Dispute Resolution Team, I am writing to formally dispute the presence of a fraudulent account from XXXX XXXX that has appeared on my credit report. This account is inaccurate and does not belong to me. 
On XX/XX/year>, I submitted a dispute regarding this account, and I was informed by your team that the account had been verified as accurate. However, upon requesting specific methods of verification for this account, I received a subsequent communication from Equifax stating that the account was no longer listed on my credit profile. This conflicting information is concerning and unacceptable. 
To clarify, your recent correspondence indicates that the XXXX XXXX account is no longer on my profile, which I dispute as fraudulent. Upon checking my credit report XXXX XXXX  account is under CLOSED ACCOUNT XXXX. I request that you immediately provide the methods of verification used to verify this account as legitimate. I am entitled to know how this account was verified, and which documentation was used. 
If Equifax can not provide this verification or if no legitimate documentation exists, I request that you immediately remove this account from my credit profile. Please note that continued inaccuracies can further damage my credit and are a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
I expect a resolution to this matter within the XXXXdays ' time frame allowed by the FCRA, for fraudulent account as required by law. Please send me a written response with the results of your investigation as soon as possible. 
Thank you for your prompt attention to this matter. I look forward to your immediate action. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: FL

Complaint narrative:
THIS IS ANOTHER EXAMPLE OF HOW INCOMPETENT CFPB IS HELPING CONSUMERS WITH FCRA VIOLATIONS. 

I SUBMITTED MULTIPLE REQUESTS, WHICH WERE ALL DENIED, PROVING TRANSUNION, EQUIFAX AND EXPERIAN DO NOT PERFORM ACCURATE INVESTIGATIONS. HURTING CONSUMERS IN THE PROCESS!!!! 


SEE ATTACHED PROOF THE XX/XX/year> PAYMENT WAS PAID ON TIME FOR THE XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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:
THIS IS ANOTHER EXAMPLE OF HOW INCOMPETENT CFPB IS HELPING CONSUMERS WITH FCRA VIOLATIONS. 

I SUBMITTED MULTIPLE REQUESTS, WHICH WERE ALL DENIED, PROVING TRANSUNION, EQUIFAX AND EXPERIAN DO NOT PERFORM ACCURATE INVESTIGATIONS. HURTING CONSUMERS IN THE PROCESS!!!! 


SEE ATTACHED PROOF THE XX/XX/year> PAYMENT WAS PAID ON TIME FOR THE 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 explanation
Consumer complaint received 2025-05-08 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: MD

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-05-08 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: EQUIFAX, INC.
State: TX

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. 

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. CXXXXe XXXXi ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

Company response to consumer: Closed with non-monetary relief