vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am filing a complaint against XXXX, Transunion, and XXXX, for failing to properly investigate my disputes regarding inaccuracies in my credit reports. Despite my submissions, the XXXX Bureaus, constantly responds every 24 hours stating the amount is accurate, without providing any evidence of a thorough investigation.

This practice violates The Fair Reporting Act ( FCRA ), 15 U S C 1681i.

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 2025-01-25 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: LA

Complaint narrative:
I am filing a complaint against XXXX, XXXX, and Experian, for failing to properly investigate my disputes regarding inaccuracies in my credit reports. Despite my submissions, the three Bureaus, constantly responds every 24 hours stating the amount is accurate, without providing any evidence of a thorough investigation.

This practice violates The Fair Reporting Act ( FCRA ), 15 U S C 1681i.

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 2025-01-25 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: TrueAccord Corp.
State: IL

Complaint narrative:
Information on my credit is inaccurate I did not authorized these companies to run my credit I sent letters to XXXX regarding the issue to run their investigateion still these items remain.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: SUNRISE CREDIT SERVICES, INC
State: IL

Complaint narrative:
Information on my credit is inaccurate I did not authorized these companies to run my credit I sent letters to XXXX regarding the issue to run their investigateion still these items remain.

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 2025-01-25 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: FL

Complaint narrative:
Ive been dealing with the effects of unauthorized inquiries from your company on my credit report, and its been a constant source of frustration.

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 2025-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
Due to excessive expenses after recovering from Hurricane Milton and being in a federally declared disaster zone, I have communicated via numerous calls and messages to Freedom Mortgage since beginning of XX/XX/ 2024 that I am requesting a Disaster Forbearance plan which would defer 4 monthly mortgage payments to the end of the loan. Freedom Mortgage is not processing this request and instead seems to be trying to force me into a loan modification which would significantly increase my interest rate plus extend the terms of my loan. Freedom Mortgage has also reported to the credit bureaus that I am delinquent and my credit score dropped XXXX points. On top of all this Freedom Mortgage has reported a balance increase of {$2700.00} to XXXX since XX/XX/ 2024 and there's been NO notice sent to me directly about this

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 2025-01-25 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: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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:
In accordance with the Fair Credit Reporting act. FRCA 15USC 1681 I ( 5 ) ( a ) Information that is inaccurate or incomplete must be delete. And below is an account that have violated my rights and is requesting the account be removed. XXXX : XXXX These accounts also In accordance with the Fair Credit Reporting act 15 USC 1681 and 15USC 1692 ( g ) & ( c ) have violated my rights and is reporting incorrectly and is requesting the account be removed Accounts are both the same and they keep just changing the name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Avid Acceptance, LLC
State: GA

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX show account as closed and written off but I have not received a XXXX form for cancelation of debt. under FCRA I am seeking statuary damages, since creditor has furnished inaccurate information about the Status. This can be consider fraud. I would like this to be deleted from my credit report.

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 2025-01-25 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:
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. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions 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 Act ( 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
In accordance with fair credit act this creditor has violated my rights under 15USC1681 section 602 states that I have the right to privacy. 15USC1681 604a section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions under 15USC166 6b a creditor may not treat a payment on a credit card account under an open and on consumer credit plan as late for any purpose. 

Date : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Regional Management Corporation
State: SC

Complaint narrative:
XXXX XXXX call me from Regional Finance on XX/XX/year>, because my payment was 5 days late. I asked to push it back until XX/XX/year>. She stated that she wanted to draft my account by using my Debit Card, I told her no, but my reason for saying no is because my Debit card info was compromised before by someone else. She was very RUDE in voice tone speaking very UNINTELLIGENT, very HARRASSING.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
I received mutilple emails like this. 

Record ID : XXXX Request created : XX/XX/year> Dear XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has reviewed a request for service at XXXX, TX using your name. We have attempted to contact you in an effort to verify this service. Please contact our department at XXXX to discuss this matter if you have not already done so. 

Please have this letter with you when you call so that we may be able to access the records associated with your name. 

To protect customer records, those calling XXXX XXXX XXXX may be required to verify their identity. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please visit XXXX  for more information on how to protect your identity. 

XXXX XXXX XXXX Intellectual Property. All rights reserved. XXXX XXXX XXXX and XXXX XXXXXXXX XXXX are registered trademarks of XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Hi, I have been dispute, an inaccurate information off my credit report. The credit report companys removed information then re-added it. Then they refuse to remove it permanently even after showing proof its 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 2025-01-25 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: LA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-01-25 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: NC

Complaint narrative:
For several years Equifax has fraudulently reported a bankruptcy on my credit file. I have disputed it with this bureau online and by written requests. I have submitted complaints through CFPB. I have called several times and been treated rudely. My latest call confirms what I already knew Equifax is a morally corrupt company that places profit and consumer suffering over the law. 

XXXX. I have confirmed through XXXX the source that is listed by Equifax that no bankruptcy record exists. I sent those documents directly to Equifax and so did XXXX. That was not good enough to remove the data from my file as regulated by the FCRA. 

On my last phone call the customer service rep told me that the reason it is not being removed is due to an internal policy that only a document from the court is acceptable to remove public records. I have sent them proof from the court where I attempted to obtain this bogus bankruptcy. To have a policy that goes against the dispute process is ludicrous. They state they received documents from XXXX which by the way is part of Equifax. XXXX refuses to validate the erroneous information yet it remains years later on my credit file. 

I am providing documentation from XXXX XXXX, 15 US Code 1681n, a response from the court, an Equifax dispute screen, and my Equifax public record. These documents will show I have done everything that is required of me to dispute and have this false information deleted from my report. Equifax 's refusal violates the fair process to consumers and my civil liabilities. I am including my current driver 's license and social card so that they do not just send a response that I did not provide enough information for them to verify and validate that the complaint was coming from me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
Letter sent to Jefferson Capital XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/year> Jefferson Capital Systems LLC XXXX XXXX XXXX XXXX. 
XXXX, MN XXXX Dear Jefferson Capital Systems LLC, Re : Debt Collection Validate Request We hop XXXX this letter finds you well. Our records indicate an outstanding balance owed to Jefferson Capital Systems LLC, as referenced by the account number ( # XXXX ), in the amount of {$3300.00}. This letter is to formally notify you that the debt has been forward to our XXXX XXXX for collection.. 

As part of the process, I'm providing you with a debt validation request. In order to properly assess the legitimacy and details if the outstanding balance, I, XXXX XXXX request the following documentation. 
1. Forward Flow Agreement : Copy of the agreement outlining the terms under which this debt was transferred to me for collection, including any agreed-upon payment schedule. and responsibilities. 
2. Chain of Assignment : detailed records showing the full Chain of Agreement for the debt, including all prior holders and the documentation that proves your right to collect on this debt.

3. Purchase Agreement : a copy of the original purchase agreement or loan contact associated with the debt, including all pertinent terms, fees, and obligations. 
4. Insurance Claim Documents : If applicable, any insurance claims associated with this debt and any claim payment history or correspondence that may have affected the amount owed.

5. Proof of Signature : Documentation proving my agreement to the terms of the original debt, such as a signed contract, loan agreement, or any other relevant documentation showing my acknowledgment and acceptance of the debt.

Please provide the requested documents within 10 days from the date of this letter to ensure proper review and resolution of the matter. Failure to provide these documents may result in further actions in accordance with applicable laws. 
I appreciate your cooperation in resolving this matter and look forward to receiving the necessary documents. Should you have any questions or require clarification, please do not hesitate to contact me at my email address : XXXX. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
They are violating my right to privacy, by furnishing my transaction history without my consent. And in there response they did not address any of my concerns.

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 2025-01-25 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: GA

Complaint narrative:
I am filing this claim in objection becuse I have been a victim of identity theft due to a breach in Equifax 's database, which has comprmised my personl identifible information. Due to this action, there have been many fictitious actts opened in my name which hav damaged my credit profile. I have also filed an Identity Theft Report with the FTC for proof of this crime.

Therefore, under the authority of **15 U.S.C . 1681c-2 ( a ) **, I am requestin removal from my credit file any materials submitted as a result of identity theft. I am writing to formally request that you delet this fraudulent information within the **4-day timeframe** provided by federal law to u for such requests. 

Even after providing all the requred documents, the credit reportin agency has not acted efficiently, and my credit status and finacial well-being remain at risk. I request the cfpb 's assistane in enforcing compliance with the relevant consuer protection laws in order to expedite this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: WA

Complaint narrative:
I logged on today ( XX/XX/year> ) to view what I owe. There is an outstanding balance, but none of the loans show my amounts. Back in XXXX, I saw the same view, and thought I was one of the students whose loan is forgiven under the Biden administration since I am in the PSLF. 

The XXXX servicer and now EdFinancial Services never gave me the correct credit of untis during COVID. I've made a complaint internally wtih Edfinancial to fix that. 

Now it's XXXX and I have to pay my loan, but the screenshot clearly shows I owe nothing again. Did EdFinancial get it right? Or is there an internal error in reporting and they are not telling students in a similar situation. 

They have handled my case irresponsibly during the resuming of payments and I should be held harmless ( or owe anything ) according to my records and good standing. 

Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: AL

Complaint narrative:
I received an email with this list of questions and I completed them. Shortly after I finished answering questions that had been answered 3 times I sent the answers to them in XXXX 's ( XXXX Mellon XXXX XXXX  ) inbox on XX/XX/year>. I still have not received my credits for the unauthorized transactions. The contact information left by XXXX is as follows : " XXXX '' XXXX Mellon Treasury Services, Senior Representative, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, DE XXXX, ( P ) XXXX, ( F ) XXXX. 

I called and left XXXX a message twice. The issue is that I STILL DO NOT have my credit to my account with FIDELITY XXXX. My initial report of fraud was on XX/XX/year>. I called to check the status of this " 10 day '' process and they told me to file my claim and go through transactions all over again. That was on XX/XX/year>. I called Fidelity again XXXX XXXX XXXX, and on XX/XX/year>. 
Both XXXX Mellon and Fidelity XXXX are in Direct violation CFPB 's Regulation E 1005.6. Both institutions are also violating their written terms of agreement to provide provisional credits to account holders accounts while the investigation is active but my account has not been credited to in nearly 60 days of this stalling repository process. Regulation E does not require of those irrelevant request that XXXX Mellon asked for, ( I provided and answered thoroughly, just as I did in XX/XX/year> and in XX/XX/year> ) and neither does the Electronic Transfers Act. The complaint is the result of financial institutions knowingly and purposely breaching their oaths, terms and agreements to their clients and their reputation. The solution is to reposit all credits involving this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Ive been dealing with the effects of unauthorized inquiries from your company on my credit report, and its been a constant source of frustration.

Company response to consumer: Closed with non-monetary relief