vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Problems receiving the advance — 
Company: OneMain Finance Corporation
State: AZ

Complaint narrative:
I was contacted by a rep for what said was one main financial. They said how much was your loan amount. I did apply at XXXX but was denied. So I just said XXXX XXXX  they only said oh ok your repayment will be XXXX a month for 18 months. I do believe the real XXXX shortest term is 24 months. He asked for my bank info. I did give them routing and account number. I have never used this account. It's a XXXX money card.he said it was fine. Asked me my last 4 of my ss number. I gave him a number but it was the wrong number.I was given the following from this rep. 
His name was XXXX XXXX, XXXX XXXX was the senior loan officer his number was XXXX XXXX XXXX. Address was also given as XXXXXXXX XXXX XXXX XXXX  NY XXXX, my loan confirmation number was XXXX. 
I did call the real main financial. They confirmed I was denied in XXXX. There was no offers for me in there system. They did not want the rest of my info nor did the seem concerned at all. Just annoyed by my questions. The so called rep that did call me asked me to call the main loan officer to get the time of deposit. I have not called.im not certain what to do so I looked up how to report this online. And here I am doing so. Hopefully you all can use this to shut them down. If you need my help just ask. People that don't work should not steal from those who do. It's wrong so XXXX those people.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning 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 non-monetary relief
Consumer complaint received 2025-02-10 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: RI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. 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 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I disputed charges with Experian explaining that there was no agreement between myself and the debt collectors on my credit report. I do not believe an investigation was conducted. My current information was updated without my acknowledgment or permission. 

Report # XXXX Creditors : XXXX XXXX XXXX and 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 2025-02-10 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: FL

Complaint narrative:
" I was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 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: CA

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under XXXX XXXX XXXX XXXX ( XXXX ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within XXXX business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per XXXX XXXX Code XXXX ( Civil Liability for Willful Noncompliance ) and XXXX XXXX Code XXXX ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, XXXX XXXX XXXX XXXX holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA XXXX XXXX ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of XXXX XXXX Code XXXX ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating XXXX XXXX. XXXX ( XXXX ) ( A ) ( B ) ( i ) ( XXXX ). They must be deleted from my 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 non-monetary relief
Consumer complaint received 2025-02-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ONLINE Information Services, Inc.
State: NC

Complaint narrative:
company furnished my information and the company the debt came from is not this company. My credit has been affected resulting in hardship and money lost. no debt was validated And im excersing my rights. Collections should be deleted per the law 15U.S Code Subsection 1692c, 15 usc 1692g and 15 usc 1681e ( b ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of dispute information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcome. These failures align with my experience, where Experian has neither corrected nor Removed disputed items despite the evidence I provided, causing on going harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inactive violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I am experiencing financial hardship and contacted Capital One to request a structured hardship payment plan to lower my monthly payments while keeping my account in good standing. Despite multiple requests, both the representative and the supervisor refused to provide any hardship payment plan options, only offering deferment, which does not address my financial situation. 

On XXXX of the calls, I escalated the issue, the supervisor made it clear that Capital One does not offer structured hardship plans and even implied that if I couldnt pay, it was fine for my account to go delinquent. This response was extremely unhelpful and dismissive, especially since I am actively trying to work out a solution. 

I saw other customers who were offered structured hardship plans, and I believe Capital One should provide reasonable hardship accommodations to help customers avoid default. Their refusal to even discuss a structured payment plan despite my financial hardship seems unfair and predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: LA

Complaint narrative:
" The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 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: Shellpoint Partners, LLC
State: OK

Complaint narrative:
Hello, my name is XXXX XXXX. 
Our house got hit by the XX/XX/XXXX tornado in XXXX. 
Since then we have been living in a hotel. 
Our insurance company sent us the check to start repairs back in XXXX. 

Since then we have sent the check to our mortgage company ( shellpoint mortgage ) based in XXXX  and XXXX. 


They have yet to release our check to us to start repairs. We have contacted them almost every week trying to get answers. I personally have called, my wife has called them, my contractor and even insurance adjuster has even contacted them. 
Every single XXXX of us has gotten a different answer. 
Once being told your check has been mailed out and you will receive it in XXXX buisness days. Well that was back in the beginning of XXXX. 


Then we were told we didnt sent the required documents even though my contractor has proof that he sent everything that had required. 
As of today the XXXX of XXXX we still have not received our check and still keep getting the run around as to why. 

Its getting extremely infuriating and stressful. We bought the house in XXXX of XXXX  and had only lived in it till XXXX XXXX. Since then we have lived in a hotel longer than we have our own house we purchased just months ago. 
Also, paying our $ XXXX mortgage for a house we cant even safely live in is very saddening and even more stressful. 
My wife and I would love for the in your corner team to see if anything can be done about it. 
Thank you for taking the time to read this and we hope to hear something.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: OH

Complaint narrative:
I recently received my 3 bureau Credit Report and noticed 3 accounts and 4 hard inquiries that do not belong to me. Those accounts are XXXX XXXXXX/XX/XXXX opened in XX/XX/XXXX XX/XX/XXXX with a balance of {$700.00}. XXXX XXXX, opened on XX/XX/XXXXXX/XX/XXXX with a balance of {$860.00}.XX/XX/XXXX, opened in XX/XX/XXXX with. Balance of {$2000.00}. I also noticed 2 hard inquiries from XX/XX/XXXXXXXX opened, 1 hard inquiry from XXXX, and 1 hard inquiry from XXXX XXXX The above accounts doesn't belong to me, and I never gave permission to the inquiries above to run a hard inquiry on my credit report. I have never established any business with these companies, or had any communication with them. Any payments made to these companies were not made on my behalf.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 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: OH

Complaint narrative:
I recently received my 3 bureau Credit Report and noticed 3 accounts and 4 hard inquiries that do not belong to me. Those accounts are XXXX XXXXXX/XX/XXXX opened in XX/XX/XXXX XX/XX/XXXX with a balance of {$700.00}. XXXX XXXX, opened on XX/XX/XXXXXX/XX/XXXX with a balance of {$860.00}.XX/XX/XXXX, opened in XX/XX/XXXX with. Balance of {$2000.00}. I also noticed 2 hard inquiries from XX/XX/XXXXXXXX opened, 1 hard inquiry from XXXX, and 1 hard inquiry from XXXX XXXX The above accounts doesn't belong to me, and I never gave permission to the inquiries above to run a hard inquiry on my credit report. I have never established any business with these companies, or had any communication with them. Any payments made to these companies were not made on my behalf.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER XXXX XXXX XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX -DATE OPENED XXXX Account Name : XXXX  XXXX # XXXX XXXX OPENED XXXX Account Name : XXXX  XXXX # XXXX -DATE OPENED XXXX Account Name : XXXX  XXXX # XXXX -DATE OPENED XXXX Account Name : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX Account Name : XXXX # XXXX -DATE OPENED XXXX Account Name : XXXX # XXXX -DATE OPENED XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: WV

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. 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 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing a complaint against Experian & XXXX for failing to properly investigate disputes on my credit report, resulting in the inclusion of inaccurate and misleading information. I disputed certain entries on my report due to errors, but Experian did not conduct a thorough investigation as required by the Fair Credit Reporting Act ( FCRA ). Instead, the company conducted what I believe was a sham investigation, accepting responses from the data furnisher without properly reviewing or questioning their validity. This led to the inaccurate information remaining on my credit report. 

Furthermore, despite having disputed this information and believing it had been corrected, I later discovered that the same erroneous entries were reinserted into my credit report, likely under a new furnishers name. This re-insertion of inaccurate information violates the protections set forth in the FCRA, which requires consumer reporting agencies to prevent such actions. 

Experian & XXXX failure to notify me of the true results of my dispute and its failure to provide clear, consistent, and accurate information have had a significant negative impact on my ability to access credit, housing, and employment 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 explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nc, XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ( XXXX ) XXXX Southern New Hampshire university XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to formally dispute the claim for Civil XXXX civil liability for negligence and non-compliance referenced in the notice sent to me on. I believe this claim to be unjustified and request a thorough review of the circumstances leading to the alleged liability. I request that this matter be reviewed and that the claim of Civil XXXX liability be dismissed in light of the facts presented. Should you require any additional information or documentation, I am happy to provide it.Please confirm receipt of this letter and notify me of the next steps in resolving this dispute. I look forward to a prompt and fair resolution. 

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 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:
Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section XXXX ( a ) ( XXXX ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

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/XXXX Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. 

I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.

Company response to consumer: Closed with non-monetary relief