vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: LAKEVIEW LOAN SERVICING, LLC
State: LA

Complaint narrative:
We were giving a XXXX  month forbearance for a XXXX  disaster in XXXX, XXXX & XXXX, so XX/XX/XXXX when i went to resume my payments they would not accept my payment they said i needed to pay XXXX XXXX & XXXX first before i could resume making my mortgage payments when we were giving the XXXX  month forbearance they said the XXXX   months of payments would be put to the back of the loan never did they tell us after the XXXX XXXX XXXX XXXX we would have too pay XXXX  months at once XXXX payments was suppose to be put to the back of our loan i have called every week trying to make our monthly payment then tell me my loan is protected untill they get it fixed then we get a letter in the mail that says Foreclosure process has begun we are senior citizens we need our home i just need our mortage fixed

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 2025-04-09 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX 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 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 2025-04-09 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX 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 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Disputing inaccurate items on my TransUnion report : XXXX ) XXXX XXXX ( XXXX late payment, Acct # XXXX ) ; XXXX ) XXXX ( XXXX late payments, Acct # XXXX ) ; XXXX ) XXXX XXXX XXXX late payment, Acct # XXXX ) ; XXXX ) XXXX XXXX XXXX XXXX late payments, closed Acct # XXXX ) ; XXXX ) Collection ( {$580.00}, Acct # XXXX, unverified ). Statuses show " Paid or paying as agreed, '' conflicting with late payments ; collection lacks validation. Attached dispute letter with XXXX XXXX ( e.g., XXXX ) and e-OSCAR codes ( e.g., 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 2025-04-09 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: PNC Bank N.A.
State: TX

Complaint narrative:
CFPB Filed with the FDCI case XXXX it was referenced to you to handle PNC BANK XXXX enclosed are copies of FDIC and PNC BANK emails PNC write off {$690.00} but sold to collection {$1100.00} I request documentation enclosed in pdf

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: FL

Complaint narrative:
I have not supplied proof under the XXXX  of XXXX  by XXXX, 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 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 2025-04-09 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 have not supplied proof under the XXXX  of XXXX  by XXXX, 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 explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional 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 non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
In accordance with 15USC 1692C and 15USC 1692G code, a debt collector can not harass a client with phone calls or any means. There are charged off accounts on my reports that were paid off, but still show balances on my reports which is improper and against the law. Now, these debt collectors have not shown any proof of validation claim that I signed any contracts or agreements that I owe these debts. with these findings, I find these actions as ( Unlawful, Inaccurate, Incomplete, Incorrect and Fraudulent ). Due to some data breach from XXXX, XXXX and XXXX, I had some set backs that decreased my score in event to apply for a credit card and loan. I will like CFPB to look into this and get it resolved by deleting this false information of my records. I have disputed this complaints to these companies and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that I in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint on the following dates ( XX/XX/XXXX, XX/XX/XXXX ). I'm now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information is can not be verified, I demand these payments be updated to paid on time immediately. Thank you for understanding and prompt action.

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 2025-04-09 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 glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-04-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America XXXX XXXX. My husband died on XX/XX/XXXX XXXXHe had a sole account with a beneficiary. The bank would only close the checking account. Said the savings account was a separate account and required a beneficiary. I assumed that when I added beneficiary to the checking account it covered all sub accounts.. It was never disclosed that a beneficiary was required on e.ach account. And since the money was transferred from the savings each month, why wouldn't I..Last transfer the day he died. Because the funds are around {$1000.00} dollars the bank said in the state of Florida it considered a small estate and the only way to close the account is to submit a probate document called a Order of Disposition without administration issued by the Probate Court.The filing fee for this is around {$400.00} dollars. Otherwise they will turn it over to the State as unclaimed funds. I XXXX XXXX XXXX and now a widow living on Social Security and could use that money.This issue with beneficiaries doesn't seem right.Do n't you think if I had been told each accounts would have beneficiaries I would have done it.Totally think ts a really bad bank policy. 
Hopefully you can help

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 2025-04-09 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 have not supplied proof under the XXXX  of XXXX  by XXXX, 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 2025-04-09 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: PA

Complaint narrative:
EXPERIAN CREDIT BUREAU IS REPORTING INCORRECT PAYMENT HISTORY AND INACCURATE NEGATIVE ACCOUNTS ON MY CONSUMER CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AMOUNT {$76000.00} OPEN DATE XX/XX/XXXX. 
This account is showing as late on the report. This need to reflect or show as " PAID OR PAYING AS AGREED ''. Please have them investigate this ongoing issue XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX AMOUNT : {$290.00}. OPEN DATE XXXX / XXXX This account is also being showed as late on the report. This account also needs to reflect or showed as being " PAID OR PAYING AS AGREED '' XXXX ) XXXX XXXX. XXXX # XXXX Amount : {$2200.00} Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX Date : XX/XX/XXXX Amount : {$4900.00}

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 2025-04-09 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: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: MA

Complaint narrative:
This is not a misunderstanding, my credit report contains clear inaccuracies that fail to meet the legal standard of maximum possible accuracy. These errors are having a serious and ongoing impact on my life, both emotionally and financially. I can not overstate the weight this issue carries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: VA

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S.C Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report, I noticed your office again violated my privacy. Under 15 USC 1681 ( a ) ( 4 ). After reviewing my consumer report it has come to my attention that your office has again violated my privacy. 15 U.S.C 1681 Section 602a 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. No consent is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Credit Karma, LLC
State: KY

Complaint narrative:
Credit Karma sent me an email stating that they closed my spending and savings account without any reason why and they told me to contact them for further information so I contacted them and they still couldnt tell me why they just kept telling me that I have to wait for an email and the email that came to me told me to contact them I contacted them and they still havent gave me no resolution or anything. They holding my money and I told them to close the account and transfer my money into the external account I have connected and they couldnt transfer the money they saying that I have to wait XXXX to 10 days for it then I called today. The man said I have to wait a month. I took out a loan to pay my bills and my rent and the money is just sitting in my account And I have to pay my apartment people. I keep telling the people that but they not trying to help me they keep telling me that its nothing they can do but they are the ones that close my account without any reason and they cant give me any resolution or information to help me with my account. Credit karma is bad for business and they should not be a company or debit card company at least

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-09 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: TX

Complaint narrative:
I previously opened an account against Equifax for failing to properly investigate disputes for accounts i disputed due to identity theft. Case was closed on cfpb with this summary Status Closed with explanation Company 's Response Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : PLEASE BE SPECIFIC WITH YOUR CONCERNS BY LISTING THE ACCOUNT NAMES, NUMBERS, AND THE NATURE OF THE DISPUTE. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. If you have any additional questions, you may call XXXXEQUIFAX ( XXXX ) or you may visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. You may also obtain a free copy of your credit report on annualcreditreport.com.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently reviewed my credit report and seen a fraudulent account on my credit report. Please remove the fraudulent account because it is hindering me from obtaining credit

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 2025-04-09 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CREDIT ACCEPTANCE CORPORATION
State: MS

Complaint narrative:
I call d credit acceptance and they told me that they close my account and that I dont owe them nothing but it still reporting to my credit

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 2025-04-09 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: IN

Complaint narrative:
XXXX XXXX Bank internal transfer process takes several days, so in all cases payments made in the 25 day window didn't show until XXXX days. XXXX also switched to a service called XXXX, which made my efforts to pay from an outside ank ( Regions ) even slower. This has impacted the payment history for XXXX rental mortgages ending in XXXX and XXXX, as well as the XXXX ending in XXXX for a total of XXXX payments causing damage to my XXXX XXXX. They are unwilling to remove.

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 2025-04-09 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: VA

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-04-09 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : XXXX Date : XX/XX/year> To : Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX RE : FCRA Dispute Request for Removal of Inaccurate Information Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX SSN ( last XXXX digits ) : XXXX XXXX : XXXX Dear Equifax Dispute Department , Under the Fair Credit Reporting Act ( FCRA ) Section 611, I am writing to formally dispute the accuracy and completeness of the above-referenced account that appears on my credit report. 

This XXXX XXXX XXXX XXXX XXXX  account is reporting a status of " past due '' with a history of multiple delinquencies. However, I have obtained documentation ( enclosed ) from XXXX XXXX stating that the account should be considered paid as agreed and requesting full deletion of the tradeline as a goodwill and internal resolution. 

Therefore, I request the following under the FCRA : Immediate investigation of this account and its reporting status.

Deletion of all negative payment history tied to this account.

Removal of the account entirely from my credit report, as requested by the creditor.

Attached are : A copy of my government-issued ID A letter from XXXX XXXX XXXX XXXX XXXX requesting deletion Please respond within the 30-day time frame as required by the FCRA. If this item is not verified or can not be validated with updated information from the creditor, I expect it to be permanently removed from my credit file. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Upon reviewing my payment records, I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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