vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-17 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:
Hi my name is XXXX XXXX I accept no responsibility for ownership of this debt ; I recently views some inaccurate information reporting on this repossession account. Since you're supposed to remove ANY account that doesn't have the exact information on all XXXX credit bureaus. REVIEW this account immediately and REMOVE it from my credit report. Once a vehicle is sold at auction I no longer owe the original debt and the information you have on file is incorrect : Date open is incorrect, Date reported, You can not report a term length and past due amount on a charged off account, The highest balance is in correct this car was sold at auction Please remove these from my account.

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 2025-02-17 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:
Hi my name is XXXX XXXX I accept no responsibility for ownership of this debt ; I recently views some inaccurate information reporting on this repossession account. Since you're supposed to remove ANY account that doesn't have the exact information on all XXXX credit bureaus. REVIEW this account immediately and REMOVE it from my credit report. Once a vehicle is sold at auction I no longer owe the original debt and the information you have on file is incorrect : Date open is incorrect, Date reported, You can not report a term length and past due amount on a charged off account, The highest balance is in correct this car was sold at auction Please remove these from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 00:00:00
Product: Mortgage — FHA 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: SC

Complaint narrative:
On XX/XX/XXXX A letter was sent by Carrington XXXX Mortgage stating they are holding {$670.00} in overpayment from a loan that was closed out in XX/XX/XXXX. I completed the paperwork required to have a check sent to me on XX/XX/XXXX and did not get a response. I reached out by phone roughly XXXX weeks later ( XX/XX/XXXX ) and was told they would have someone respond to me. A week later on XX/XX/XXXX I reached out again and was told again i would hear back from someone within XXXX hours. I never received a call. On XX/XX/XXXX I responded again by email and received no response. I called again on XX/XX/XXXX and was told I would receive a call back and never received this call. I called again on XX/XX/XXXX and was told the same thing and again no response. I called again on XX/XX/XXXX and was told the same thing and never received a response. I called again on XX/XX/XXXX and received a voicemail from an employee named XXXX  XX/XX/XXXX. I returned the call early on XX/XX/XXXX but was told I was not able to speak with XXXX but was told she would call me back. I never received this call. I would like the money they owe me before I have to spend money on a lawyer. I will be calling them tomorrow but hope that this complaint will get them to respond as promised and issue the check they owe me. 

The loan was for a residence in XXXX XXXXXXXX XXXX XXXXhat I sold at the end of 2021. They have been holding this money since this time and appear to refuse to return it. I am no longer a XXXX  resident and they are threatening to send it to the XXXX XXXX XXXX  department in the letter they sent. I have completed and returned this paperwork months ago, well before the XX/XX/XXXX deadline yet they are " burning down the clock '' which would make it impossible for me to recover these funds once they are sent to the XXXX department of unclaimed property. Please help me recover these funds ASAP. I have provided the information they requested below in my attached documents including the letter they sent filled out with all necessary information and a copy of my license as they requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: NJ

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX. 
Account name : XXXX XXXX Account # XXXX has violated my rights. 
According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, according to 15 USC XXXX ( XXXX ) ( b ). 
According to 15 USC XXXX ( XXXX ), they are supposed to treat inaccurate or unverifiable information by promptly deleting or modifying it. 
According to 15 USC XXXX, they are not supposed to furnish any information that is known or believed to be inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: AL

Complaint narrative:
Upon reviewing my credit report, I discovered several unauthorized hard inquiries that I do not recognize. I contacted the credit bureaus to dispute these hard inquiries and requested their removal. Unfortunately, the credit bureaus refused to remove them off my credit report. This issue is causing undue stress and is negatively affecting my financial standing

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 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: NY

Complaint narrative:
I am sending to formally dispute inaccuracies in my credit report and to demand compensation for your companys repeated violations of the Fair Credit Reporting Act ( FCRA ). Similar to the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit against XXXX, I am deeply concerned that Equifax has also failed to properly investigate consumer disputes and may have improperly reinserted inaccurate information on consumer reports. 

Violations Similar to Those Cited by the CFPB The CFPB 's lawsuit against XXXX highlighted practices that are consistent with issues I have experienced with Equifax, including : Conducting sham investigations : Equifax, like XXXX, fails to properly address consumer disputes by relying on flawed intake procedures and uncritically accepting responses from furnishers, even when unreliable. 
Improper reinsertion of inaccurate information : Equifax has reintroduced previously deleted inaccurate information on consumer reports without explanation, potentially due to inadequate matching tools. 
Failure to notify consumers adequately : Equifax provides notices to consumers that are vague, ambiguous, or incorrect, failing to properly communicate investigation results. 
These practices undermine consumer rights and can significantly harm access to credit, employment, and housing. 

My Dispute I have identified the following inaccuracies in my Equifax credit report that require immediate correction : ACCOUNTS [ account_name, account_number, dispute_instruction ] [ public_records, dispute_instruction ] INQUIRIES [ Inquiries, dispute_instruction ] PERSONAL INFORMATION [ personal_Information, dispute_instruction ] Despite my previous efforts to address these errors, they persist, and I suspect improper practices by Equifax have contributed to their continued presence. 

Legal Obligations Under the FCRA Under the FCRA, Equifax is legally required to : Ensure the accuracy of consumer reports. 
Conduct thorough and meaningful investigations of disputes. 
Prevent the reinsertion of inaccurate information unless specific procedures are followed. 
Failure to comply with these obligations constitutes a violation of federal law and has caused me significant harm, including damage to my creditworthiness and financial reputation. 

Demand for Compensation In light of the CFPBs findings and the harm caused to me, I demand the following : Immediate correction of all inaccuracies on my credit report. 
Compensation of {$1000.00} for each violation of the FCRA as applicable to my case. 
Expectations and Next Steps

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 2025-02-17 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: OH

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : 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 explanation
Consumer complaint received 2025-02-17 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: OH

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 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: MI

Complaint narrative:
I hope this message finds you well. I am following up on the complaints I submitted regarding discrepancies in my credit report. To date, I have not received any updates or communication regarding the resolution of these disputes with the credit bureaus. While I understand that investigations can take time, I would appreciate an update on the current status and any progress made in addressing the issues I previously outlined. 

Below are the specific items I am requesting to be removed from my credit file : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 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: MI

Complaint narrative:
I hope this message finds you well. I am following up on the complaints I submitted regarding discrepancies in my credit report. To date, I have not received any updates or communication regarding the resolution of these disputes with the credit bureaus. While I understand that investigations can take time, I would appreciate an update on the current status and any progress made in addressing the issues I previously outlined. 

Below are the specific items I am requesting to be removed from my credit file : 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

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 2025-02-17 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: CA

Complaint narrative:
I am submitting this complaint regarding three fraudulent accounts that have appeared on my Experian credit report as a result of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) I was a victim of a data breach, which compromised my personal information. In response to this identity theft, I filed an FTC Identity Theft Report, had it notarized, and uploaded it to Experian along with my dispute request, as required under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c-2. Despite providing all necessary documentation, Experian ignored my request and failed to remove the fraudulent accounts from my report.

Under the FCRA, 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information. Additionally, per 15 U.S.C. 1681c-2 ( a ), I have the right to request the blocking of information resulting from identity theft when proper proof is provided, which I have done. Experians failure to comply with these legal obligations is a direct violation of federal law.

Furthermore, Experian has an ongoing lawsuit regarding a data breach that compromised millions of consumers personal information. Given that I have been affected by multiple data breaches, Experians negligence in properly handling identity theft disputes puts me at further financial risk. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) intervene and ensure that Experian complies with federal law by removing these fraudulent accounts immediately and updating my credit file accordingly. Additionally, I seek accountability for their failure to follow proper dispute procedures, as required by the FCRA. 

Please take urgent action to resolve this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: CA

Complaint narrative:
I am submitting this complaint regarding three fraudulent accounts that have appeared on my Experian credit report as a result of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) I was a victim of a data breach, which compromised my personal information. In response to this identity theft, I filed an FTC Identity Theft Report, had it notarized, and uploaded it to Experian along with my dispute request, as required under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c-2. Despite providing all necessary documentation, Experian ignored my request and failed to remove the fraudulent accounts from my report.

Under the FCRA, 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information. Additionally, per 15 U.S.C. 1681c-2 ( a ), I have the right to request the blocking of information resulting from identity theft when proper proof is provided, which I have done. Experians failure to comply with these legal obligations is a direct violation of federal law.

Furthermore, Experian has an ongoing lawsuit regarding a data breach that compromised millions of consumers personal information. Given that I have been affected by multiple data breaches, Experians negligence in properly handling identity theft disputes puts me at further financial risk. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) intervene and ensure that Experian complies with federal law by removing these fraudulent accounts immediately and updating my credit file accordingly. Additionally, I seek accountability for their failure to follow proper dispute procedures, as required by the FCRA. 

Please take urgent action to resolve this 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 non-monetary relief
Consumer complaint received 2025-02-17 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-02-17 00:00:00
Product: Mortgage — Manufactured home loan
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: VANDERBILT MORTGAGE & FINANCE, INC
State: AL

Complaint narrative:
I am writing to formally express my concern regarding my mortgage company, Vanderbilt, and the financial hardship I am currently facing due to the loan they have issued to me. Despite my repeated attempts to communicate my situation to them, I feel that my concerns have been unjustly dismissed.

My current financial situation has become increasingly dire, making it difficult for me to afford basic necessities such as food and bills, let alone my mortgage payments. I have reached out to Vanderbilt many times to discuss the challenges I am facing, only to be told that I am lying about my financial hardship. This accusation is not only false but also deeply distressing, as my priority has always been to meet my obligations.

The representatives I have spoken with at Vanderbilt have indicated that I am capable of making my payments, despite the overwhelming evidence to the contrary. I have provided them with financial statements and documented proof of my struggles, yet they continue to maintain that there is nothing they can do to assist me.

I kindly request your assistance in addressing this situation. I believe that the practices of Vanderbilt in this matter warrant investigation, as they seem to disregard the genuine financial difficulties faced by their borrowers. I am hopeful that your office can provide guidance or intervene on my behalf to help find a resolution that allows me to support my family and fulfill my financial obligations. 

Thank you for taking the time to read my letter. I appreciate any support you can provide in addressing this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: OH

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : 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
Consumer complaint received 2025-02-17 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: MI

Complaint narrative:
This is now my new communication regarding the unauthorized and inaccurate items on my credit report. These entries were added without my consent, knowledge, or authorization. Under the Fair Credit Reporting Act ( FCRA ) Section 605B ( a ), I am entitled to have these items removed within four business days, a list of disputed items. I insist on the immediate removal of the following erroneous items from my report 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 Balance : {$6300.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$650.00}

Company response to consumer: Closed with explanation