vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
These agencies have consistently ignored their responsibilities by letting these unauthorized items stick around. This kind of behavior is careless, damaging, and clearly goes against what federal law requires.

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 2025-01-09 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: NJ

Complaint narrative:
I have submitted disputes to all 3 bureaus and they have not completed a full investigation. I have reason to believe this due to the recent sham investigations of credit report errors. I have sent all 3 bureaus dispute info on XX/XX/year> and XX/XX/year> and they have not done anything but send stall letters.

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 2025-01-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synerprise Consulting Services, Inc.
State: AZ

Complaint narrative:
Synerprise consulting services ( SCS ), is still reporting a medical collection debt that i am not responsible for. I contacted insurance company XXXX XXXX XXXX XXXX whom provided the XXXX showing no patient responsibilities and instructions to the XXXX company to properly submit paperwork for payment. I emailed SCS the XXXX per their request, to date no response. I placed a follow up email with no response and called them on XX/XX/2025. The response was person handling my account is out of office and manager unavailable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am greatly concerned about the inclusion of this late payment on my account, as my payment history has consistently been punctual. This situation is causing me considerable distress, and I implore you to correct this mistake by promptly removing it 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 non-monetary relief
Consumer complaint received 2025-01-09 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: MD

Complaint narrative:
I am greatly concerned about the inclusion of this late payment on my account, as my payment history has consistently been punctual. This situation is causing me considerable distress, and I implore you to correct this mistake by promptly removing it 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 2025-01-09 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: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
**Summary of Communication with Resurgent LVNV Funding** **Objective** : To dispute and seek removal of a delinquent debt of {$740.00} that I believe does not belong to me. 

1. **Initial Contact** : I initiated contact with Resurgent LVNV Funding regarding a debt that appeared on my credit report. My primary goal was to clarify the ownership of this account and dispute the delinquency. 

2. **Conversations with Company Manager** : - On XXXX, I spoke directly with the company manager. During this conversation, I requested documentation linking me to the account in question. I emphasized the absence of any evidence suggesting that I am responsible for this debt. 
- Follow-up conversations took place on XXXX and XXXX, where I reiterated my request for documents proving the account was connected to me. 

3. **Request for Documentation*XXXX : - On XXXX, I formally asked company representatives to provide any documentation, including emails or recordings of phone conversations, that could establish a link between myself and the debt. 
- This request was again made on XXXX. I made it clear that I was looking for tangible evidence, specifically written signatures or any other form of verification. 

4. **Response from Resurgent LVNV Funding** : Throughout these interactions, I was informed that the company was unable to provide the requested " hard core proof '' linking me to the account. They did not have any documentation, such as signatures, that could substantiate the claim that I owed this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: MS

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: MS

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc.
State: CA

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Personal Information Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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:
" 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 XXXX XXXX XXXX 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 2025-01-09 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:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-01-09 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: NY

Complaint narrative:
I sent a letter to Bureaus regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.

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 2025-01-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: MARINER FINANCE, LLC
State: KY

Complaint narrative:
We were lied to from the get go. We borrowed XXXX. Were told it would be XXXX to pay it back. We log in and it was XXXX, XXXX seemingly it does not go down as described with payments either. 

We were lied to period. 

This is over 100 % interest and should be illegal.

They also call 3 to 5 times a day daily when you miss a payment. 

They also lie and tell you that you missed payments you havent. 

Avoid this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings
State: CA

Complaint narrative:
Applied for home loan and discovered on my credit report that this company is reporting a collection account that is not mine and I dont have any knowledge about.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
Newrez has not been complying with my request with information pertaining to my loan. for every call I'm being told something different each time! how is it that 10 different service reps can give me 10 different answers which pertains to my loan? my tax exemption paper was emailed to the Tax Dept for Newrez XX/XX/XXXX which they paid them on XX/XX/XXXX knowing full well XX/XX/XXXX was the due date and that by paying them would cause problems in getting another analysis lowering my payment! on XX/XX/XXXX a male Rep stated they received a check on the XXXX and should be placed back in my escrow acct. on the XXXX of XX/XX/XXXX. So, imagine my surprise when another male customer service rep stated to me that no check was received and that I'd best find out from them where my {$540.00} tax money is. and the clerks office informed me on XX/XX/XXXX a check was mailed to them in XX/XX/XXXX and the check cleared in the same XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I'm living on a fixed income. it's been 1 thing after another with this company! anyone looking to refinance their home? THIS COMPANY IS NOT A GOOD FIT! RUN LIKE XXXX XXXX!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: FL

Complaint narrative:
These 31 inquiries that are reporting on my EQUIFAX credit report ( SEE ATTACHED ) are fraudulent, inaccurate, and unverifiable. ( PLEASE SEE ATTACHED )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I found out XX/XX/XXXX that there was an additional credit card added to my Wells Fargo account for {$20000.00}. I called Wells Fargo on XX/XX/XXXX to confirm that this was an additional credit account and not just an upgrade to my original account. They confirmed that another card was opened. I never requested a new credit card account. They also told me that they sent a notification letter to an address that I lived at over 15 years ago and then sent the card to a different address that I lived at over 10 years ago. Neither of these addresses were the current address on file, so I don't understand why the card or any other information was sent to them. Given Wells Fargo 's history of opening accounts without permission, this situation should be looked into again. 

I will note that the staff on the phone were very courteous and understanding of my frustration. They closed down all of the accounts as I requested on 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 2025-01-09 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: FL

Complaint narrative:
I am writing to dispute accounts on my credit report that were made without my consent. According to section 604 of the FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681B ), there are specific permissible purposes for obtaining a credit report. I did not authorize these accounts and can not find any permissible purpose under this section that justifies their presence on my credit report. PLEASE DELETE 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 2025-01-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: IA

Complaint narrative:
I'M TRYING IT'S RUBBING WITH IN BETWEEN XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  IS TAKEN OUT OF MY ACCOUNT THEY DEBITED AS THOUGH I SENT IT TO SOMEBODY AT THE TIME THAT THEY WERE DOING THAT I DIDN'T KNOW THAT BECAUSE I COULDN'T GAIN ACCESS TO MY ACCOUNT I HAD TO CHANGE MY PASSWORD AND ALL THAT STUFF ALL OVER AGAIN OKAY TIME IS KNOWN THAT I'M XXXX XXXX XXXX XXXX XXXX AMONGST THE OTHERS AND I WAS JUST TOLD TODAY THE REASON THAT THEY DENIED IT IS BECAUSE I AM NOT CONSIDERED A VICTIM OF IDENTITY THEFT BECAUSE IT WAS MY FAULT THAT THAT MONEY WAS TAKEN OUT OF THERE NO YOU WERE NOTIFIED WITH MY POLICE REPORT YOU'RE NOTIFIED WITH MY NOTIFYING YOU ALL THAT I BECAME A VICTIM INVITED THAT ONCE I RAN THAT SCAN LIKE THEY TOLD ME TO WITH XXXX XXXX THEY SAID CREDIT MONITOR IMMEDIATELY I DID THAT WHEN I RAN THE SKIN I WAS ALL OVER THE DARK WEB MY NAME IS IN XXXX MY PERSONAL INFORMATION IS IN XXXX AND I'M LIKE I LET THESE PEOPLE KNOW THAT AND I LET THEM KNOW AGAIN WHEN I NOTICED THIS MONEY WAS GONE AND I LET THEM KNOW AGAIN THAT I WAS NOT ABLE TO GET ACCESS TO MY ACCOUNT NOT ONLY THAT BUT I HAVE PROOF FROM XXXX THAT SOMEONE HAD HACKED MY ACCOUNT I HAVE PROOF THAT THEY WERE IN MY ACCOUNT I HAVE PICTURES SO IT'S LIKE THESE PEOPLE ARE AT BACKWARDS AND XXXX I ORDERED A REPLACEMENT CARD IT'S SUPPOSED TO BE XX/XX/XXXX HERE WE ARE IN XXXX OF XXXX AND THIS IS XX/XX/XXXX I STILL TODAY HAVE NOT RECEIVED MY CARD AND THEY KNOW ABOUT THAT AS WELL AND THIS IS A SUPERVISOR BY THE NAME OF XXXX WHO TOLD ME THIS I DON'T EVEN KNOW THIS PERSON WHO TOOK THIS XXXX FROM ME OKAY WE'RE ON A FIXED INCOME OKAY THAT MONEY WAS SENT TO ME BY MY BEST FRIEND AND LIKE I SAID THAT WAS A PAY A BILL SO LIKE THIS IS NOT OKAY THESE PEOPLE GET AWAY WITH XXXX  WAS THE LIES CUZ THEY'RE UNTRAINED AND THEY DON'T KNOW XXXX ABOUT IDENTITY THEFT AND FRAUD OR ANYTHING OR BREACHES OR ANYTHING ELSE AND THEY'RE A XXXX SO THEY'RE 10 TIMES MORE LIKELY THAN TRADITIONAL BANK TO BE HACKED SO YEAH I WANT MY MONEY BACK AND I FELT ANY EXTREMELY MUCH MORE TRAINING

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: CA

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance 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 explanation