vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-10 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: AR

Complaint narrative:
Subject : Complaint Regarding Inaccurate Late Payment Reporting on Credit Reports To Whom It May Concern, I am writing to file a complaint formally regarding inaccurate information on my credit reports that is causing significant harm to my financial reputation. Specifically, multiple late payments are being reported inaccurately by one or more creditors and subsequently reflected in my credit reports from the credit bureaus ( Experian, XXXX, and XXXX ). 

I want to emphasize that I have never made late payments on any of my accounts. I maintain strict diligence in managing my financial obligations, and these reports of late payments are wholly inaccurate. This false information has adversely impacted my credit score and my ability to access financial products. 

I have already attempted to resolve this matter by contacting the creditors and directly disputing the inaccuracies with the credit bureaus. Unfortunately, the errors persist, leaving me no choice but to escalate this issue for resolution. 
I request that the CFPB intervene and ensure that the credit bureaus promptly investigate and correct these inaccuracies. I also request a written confirmation once the corrections are made. 

This issue is urgent and directly affects my financial stability and opportunities. Please feel free to contact me for any additional information or clarification. 
Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arkansas 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 2025-01-10 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Paying off the loan
Company: 21ST MORTGAGE CORP.
State: NC

Complaint narrative:
I emailed asking for the statement on XX/XX/year>XXXX  to verify the amount given to me over phone, and I also need verification for the records as Administrator of my husband 's estate to prove I didn't overpay or mismanage the funds. I have received two emails saying I must call them for this information. It would seem to me if they truly want the loan paid off, they should contact me with requested information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am unable to create or access an account with Experian for unknown reasons, which has prevented me from directly disputing this debt through your platform. As a result, I have had to resort to filing this complaint through the CFPB to ensure that Experian receives and addresses my dispute appropriately. I am writing to formally dispute an alleged debt reported by the XXXX  XXXX XXXX in the amount of {$1700.00}, which was unlawfully furnished to your bureau on XX/XX/2024. This alleged debt is not legally valid, as the institution violated numerous consumer protection laws, including provisions under the Fair Debt Collection Practices Act ( FDCPA ), the Higher Education Act ( HEA ), and my civil rights. 

The XXXX  also failed to follow required procedures in handling my account and improperly reported this debt after I had raised concerns about their conduct. This appears to be a retaliatory action following a formal complaint I filed with the Department of Education earlier this year. Their actions have resulted in significant harm, including a severe drop in my credit score. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting that Experian immediately investigate this matter and remove the inaccurate and unlawful debt from my credit report. Please contact me if additional information is needed to assist in resolving this dispute. 

Thank you for your prompt attention to this serious matter.

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 2025-01-10 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: NC

Complaint narrative:
: This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report.. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are this revult of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I obtained a copy of my consumer report and notified these agencies multiple times, specifically on XX/XX/year> the most recent ive sent, about the items I disputed. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me, the consumer, as required by the Fair Credit Reporting Act. I sent my notice to these agencies, which included a FTC Identity Theft Report, A FTC Affidavit and I also filed a complaint with the CFPB. Along with this letter, I have also included an Affidavit of Truth to further substantiate my claim. 

I explained the violations your agency committed under the FCRA, while informing your agency of the fact that these items were reported without my expressed, written consent. This leads to way of identity theft, which leads to a violation of the civil liability section of the FCRA, as I informed you in the previous notices, which I have attached once more again for your record! 

This is a FINAL NOTICE to give your agency an opportunity to correct this situation or I will be forced to protect my credit rating and file a lawsuit against your agency. I have proven to your agency on many occasions that these items are a violation of the FCRA and should in fact be DELETED but your agency continues to violate me so I dont know what else to do besides suing your agency at this point. 

I have suffered emotional distress as a result of this matter and I demand this matter be resolved in a fair and equitable manner, which still hasnt been done

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 2025-01-10 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: DE

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX, De XXXX ] [ XXXX ] [ XXXX ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Formal Dispute of Inaccurate Credit Reporting Request for Deletion Under FCRA Dear CFPB, I am writing to dispute inaccurate information reported by Equifax regarding the account XXXX. Upon review, I identified several errors that violate the Fair Credit Reporting Act ( FCRA ). 

Discrepancies Identified : Implausible High Balance : Reported as {$83.00}, which does not align with typical account activities or credit limits. 

Missing Closed Date : The account is marked as " Closed, '' but no closure date is provided. 

Undefined Account Type : The account type is not specified, which limits verifiability. 

Erroneous Payment History : 15 instances of 90 days late reported, which is implausible given the timeline. 

Conflicting Creditor Remarks : Remarks state both " Charged off account '' and " Accounts closed by credit grantor '' without explanation. 

Balance Owed Conflict : {$83.00} balance owed conflicts with the charged-off status. 

These errors violate multiple FCRA provisions, including 609 ( a ) ( 1 ), 611 ( a ) ( 1 ) ( A ), and 623 ( a ) ( 1 ) ( A ), which mandate accurate, verifiable, and consistent reporting. 

[ XXXX XXXX ] XX/XX/scrub>XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>, I mistakenly sent {$600.00} through XXXX at XXXX XXXX  to the wrong recipient. I am XXXX. and due to my XXXX XXXX  and that the wrong recipient was next to the correct one, I clicked the number next to the intended one. This amount, which was meant to cover a portion of my room and board for the month, is significant to me as I am XXXX, and have low-income. After realizing the error, I contacted XXXX XXXX. They opened the claim but never contacted me to inform me that they were unable to help, I texted the recipient of the XXXX ( {$600.00} ) and the recipient responded that she wanted to return the funds. We subsequently participated in a three-way call with a representative from Bank of America ( the recipients bank ). During this call, I was informed that my transferred funds had been automatically applied to cover the recipients negative balance of accrued fees, preventing any refund to my account. I contacted XXXX directly and was told to contact my bank and that they were not responsible. Despite my repeated efforts to resolve this with XXXX  customer service team, and with Bank of America as well, no action has been taken to reimburse me. I wrote letters to the president, the CEO and XXXX XXXX XXXX XXXX XXXX XXXX and also Bank of America. I was advised by XXXX XXXX at Bank of America Client Care Executive Response Team that this issue needed to originate at XXXX Bank. The matter remains unresolved. Each institution tells me they are not responsible and that I should contact the other institution. Given the nature of this transaction, I respectfully request your assistance in ensuring the return of these funds. Since my XXXX transaction had a memo that stated it was for XXXX & XXXX XX/XX/XXXX of XXXX ( my partial room and board payment ) and the recipient of the transaction is willing, the funds should be returned to 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
Consumer complaint received 2025-01-10 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: FL

Complaint narrative:
I am writing to dispute account on my credit report that were made without my sonsent. Accordin to section 604 of FAIR CREDIT REPORTING TO SECTION ACT ( 15 U.S.C 168 1 ( b ) ), there are speecific permissible purposes for obtaining a credit report. I did not authorize these account and can not find any permissible purpose under this section that justifies their presence on my credit report. PLEASE DELETE ACCOUNT XXXX XXXX  account number 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 2025-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: DC

Complaint narrative:
This debt is not my debt, it is from the multiple accounts opened without my knowledge, I have provided the credit bureaus and the previous collection agencies with the police report years ago when this first was brought to my attention. The original collection was not opened by myself. Between the dates of XXXX several accounts was opened, my information was on the dark web, I have placed fraud alerts on my credit to prevent any accounts being opened without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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:
I checked my crdit report and saw that i had a loan from XXXX XXXX XXXX. I have never done any business with them or signed any documents. I have requested them to send documents so i can verify the signature and i havent gotten those documents

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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I checked my crdit report and saw that i had a loan from XXXX XXXX XXXX. I have never done any business with them or signed any documents. I have requested them to send documents so i can verify the signature and i havent gotten those documents

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: TX

Complaint narrative:
I checked my crdit report and saw that i had a loan from XXXX XXXX XXXX. I have never done any business with them or signed any documents. I have requested them to send documents so i can verify the signature and i havent gotten those documents

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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-01-10 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: NV

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"

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 2025-01-10 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: TN

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND XXXX. I recently discovered that I was listed as part of the XXXX data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification.

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 2025-01-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Volvo Car Financial Services U.S., LLC
State: NV

Complaint narrative:
I have contacted Volvo Financial four times regarding my total loss on my XXXX XXXX. I called Volvo on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, I called again on XX/XX/XXXX, and again on XX/XX/XXXX to try and get a final account/ explanation of the total loss accounting. To date, no one has been able to provide this. I get transferred between departments and then request to speak to a supervisor that is supposed to call back but doesn't.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Lendmark Financial Services
State: NC

Complaint narrative:
I am filing a complaint against Lendmark Financial Services for violations of North Carolina repossession laws, deceptive practices, and inaccurate credit reporting. Specifically : Violation of North Carolina Law ( XXXX XXXX XXXX. XXXX ) : Lendmark failed to send proper notice of default and the right to redeem or reinstate my vehicle loan by certified mail, as required under state law. Evidence shows the notice was sent to their office in XXXX, GA, instead of my address in XXXX, NC. 
Deceptive Practices : Lendmark falsely claimed to have received a certified letter I sent, despite USPS confirming it was lost in transit. Additionally, their certified mail regarding the repossession was misleading, as it was delivered to their own office. 
Inaccurate Credit Reporting : Lendmark has reported the account as " Charged Off '' across all three credit bureaus without issuing a Form 1099-C for canceled debt, violating IRS and XXXX XXXX standards for accurate reporting. 

A copy of this letter and the CFPB complaint number has been sent certified mail, return receipt requested to the credit bureaus. 
XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
KINDLY HELP ME. THERE ARE ITEMS OF INFORMATION BEING REPORTED WITHIN MY CREDIT REPORT THAT IS INCORRECT. SEE ATTACHED DOCUMENT.

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 2025-01-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: IN

Complaint narrative:
I have attempted to call Mohela for two days ( XX/XX/XXXX and XXXX ) with wait times that are exceeding XXXX minutes. I'm calling at the times the call center recommends Thursday and Friday between XXXX. and XXXX. I have now requested four times a call back function with them. When they call back I get put on hold and the system hangs up on me and then I get a voicemail telling me they tried calling me. 

Rather than listing the number to call the person directly they tell me to call their general service line. Which then starts the entire process over!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: AL

Complaint narrative:
I want to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action. 
Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. 
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