vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
Unauthorized inquiries on my Transunion Credit Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-02-27 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: TX

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-02-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a fixed simple interest loan with XXXX at a XXXX  % interest rate. XXXX XXXX was {$XXXX} ( XX/XX/XXXX ) with a balance of {$XXXX} ( XX/XX/XXXX ) .My payments are due on the XXXX of each month, and I have consistently made my payments within BMOs stated XXXX grace period. However, I have noticed multiple irregularities in how my payments have been applied, with some months showing {$XXXX} applied to principal and highly inconsistent distributions of my payments. 
Key Concerns : Payments Not Applied to Principal Properly : On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and most recently, XX/XX/XXXX, my payments were fully applied to interest with {$XXXX} applied to principal, despite making a full payment ( and in some cases, extra payments ). 
The remaining months show random and inconsistent amounts applied toward principal, despite identical payment amounts and timing. 
Lack of Transparency & Unexplained Discrepancies : I have contacted XXXX customer service and the escalation department XXXX separate times, each call lasting over an hour, trying to resolve this issue. 
The last escalation representative advised me to go into a branch, which I did, yet I still have not received any response or resolution.

Failure to Provide Clear Accounting : Despite multiple requests, BMO has not provided a clear breakdown of how my payments are calculated and applied under my simple interest loan.

If my loan accrues interest daily, I need a clear explanation of why full payments are not reducing my principal consistently. 
Attempts to Resolve : XX/XX/XXXX I called XXXX customer service and was told the issue would be escalated. 
XX/XX/XXXX I called the escalation department, where I spent over an hour on the phone and was again told it was being escalated. 
XX/XX/XXXX I called the escalation department a third time, spending another hour, and was told to visit a XXXX branch for assistance. 
XX/XX/XXXX I visited my local XXXX branch and spoke with XXXX XXXX from the XXXX XXXX XXXX location, who said he would email the loan department and follow up on Monday XX/XX/XXXX XX/XX/XXXX I followed up via phone, but no updates were available. 
XX/XX/XXXX I called again, and the banker confirmed that he still had not received a response.

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 2025-02-28 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: AZ

Complaint narrative:
As this account is under pending litigation, it does not reflect the accurate and final disposition of the matter. There is no justification for it to remain on my credit report, especially given the legal proceedings that are currently underway. I have taken every step necessary to ensure that my credit report reflects only accurate, verifiable, and up-to-date information. This account, in its current state, clearly violates that standard.

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 2025-02-28 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: GA

Complaint narrative:
Dear XXXX XXXX, I am writing to formally disput a fraudulent auto loan that has been reported under my name. I recently viewed my credit report and discovered that an account with account number XXXX was opened with XXXX XXXX  without my authorization. This loan was fraudulently obtained, and I have never applied for, used, or approved this account. Under the Fair Credit Reporting Act ( FCRA ) 1681c-2, I am requesting the immediate removal of this fraudulent account from my credit report. I have taken the following steps to address this matter : Filed an identity theft report. Filed a police report, and notified the credit bureaus.

I am requesting immediate removal of this fraudulent auto loan from my credit report. Per FCRA, you are required to complete an investigation within 30 days. If this fraudulent account is not removed, I will escalate my complaint.

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 2025-02-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CreditNinja Lending, LLC
State: AL

Complaint narrative:
Credit ninja has employeed a company identified as XXXX, phone number on caller ID is XXXX, in the voicemail they are leaving the last XXXX of my social. On XX/XX/year> before their first contact with me they called several of my children, then they called me and I answered and verified the it was me and that this was the correct number to reach me. In the coversation I also stated that I would like everything sent to my house, the person got short with me and started telling me they would email it to me. I refused the email and ask for it on paper. There was an impass and I hung up. Today XX/XX/year> they again called all of my children and then my wife then my phone and then my work. I told them very clearly not to call me at work. The person idetifing himself as XXXX XXXX stated that I would have to speak to leagal in order for anything to happen inclduing them to stop calling my family or my work. I then spoke with their legal team and ask the same and told him to not call me at work he became upset and told me he would call whenever and whoever he wanted to. I asked if I should get my attorney involved and he started laughing stating that how could I have an attorney if I had to get a payday loan. I asked him since he was with " legal '' what his BAR number was and he continued to make jokes about me having a attorney and needed a payday loan. I told them they had my number and that was the only one to contact me, his response was he would just tell the creditor that they could send the uniforms in to my work and they could give me the papers. This felt half scam and half just plain bully behavior to try and get me to tell them to take me to court. Further more I am almost positive that I already paid a collection agency off for my loan with credit Ninja. Very preditory and very scam like behavior across the board.

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 2025-02-27 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: PA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding innaccuracies in my credit report. Despite my submission, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practices violates the Fair Credit Reporting Act ( FCRA ) 15 USC1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the consumer financial protection act ( CFPA ) 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFBPB 'S recent administrative proceeding ( File No. -CFPB-002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with the federal law and provides consumers with the necessary proof of investigation. 

These are the accounts that I have marked as inaccurate XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account XXXX : XXXX XXXX XXXX XXXX Account Number : XXXX I want reported accounts removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 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: IL

Complaint narrative:
I request the immediate blocking and removal of the unauthorized accounts from my credit report. These accounts were not initiated or authorized by me, and I have no knowledge of their origins. As per USC 1681g, I am formally requesting their removal within the next 15 days. Relevant documents are attached for your review.

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 2025-02-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am not aware of any such inquiries, thus it looks that this one is unauthorized and false. Please act right now to resolve this problem.

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 2025-02-27 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: AZ

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : ( ACCOUNT and ACCT number ) These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-02-27 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported my student loans as delinquent 90 days. I was never notified that they were out of deferment and forbearance. I was never notified that the loans were 30 or 60 days late. This has negatively affected my credit report. In addition, I attempted to speak with a supervisor regarding my account. I was told someone would give me a call back. I am requesting for me credit report to be corrected.

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 2025-02-27 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported my student loans as delinquent 90 days. I was never notified that they were out of deferment and forbearance. I was never notified that the loans were XXXX or 60 days late. This has negatively affected my credit report. In addition, I attempted to speak with a supervisor regarding my account. I was told someone would give me a call back. I am requesting for me credit report to be corrected.

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 2025-02-27 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported my student loans as delinquent 90 days. I was never notified that they were out of deferment and forbearance. I was never notified that the loans were XXXX or 60 days late. This has negatively affected my credit report. In addition, I attempted to speak with a supervisor regarding my account. I was told someone would give me a call back. I am requesting for me credit report to be corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 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: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Sold my info to a Third party debt collector which now they are saying I owe them which is against the law CODE 15 USC 1681 ( VALIDATION OF DEBT )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
Unauthorized inquiry on my Experian Credit Report XXXX XXXX XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: IL

Complaint narrative:
I request the immediate blocking and removal of the unauthorized accounts from my credit report. These accounts were not initiated or authorized by me, and I have no knowledge of their origins. As per USC 1681g, I am formally requesting their removal within the next 15 days. Relevant documents are attached for your review.

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 2025-02-27 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 non-monetary relief
Consumer complaint received 2025-02-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
LVNV Funding LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Debt Validation Request and Notice of Violations Dear LVNV Funding LLC, I am writing to formally request validation of the alleged debt that you have reported to my credit report. Under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( FCRA ) 623 ( 15 U.S.C. 1681s-2 ), I am exercising my right to request full verification of this account.

Request for Validation Pursuant to 15 U.S.C. 1692g ( b ), I request the following information : 1. The original creditors name and contact information.

2. A copy of any contract, agreement, or instrument bearing my signature as proof of obligation to the debt.

3. A full account history, including all payments, fees, and charges.

4. Proof that LVNV Funding LLC has the legal right to collect this debt.

5. The date of the alleged debts last activity and charge-off date.

6. Proof of compliance with all legal notification requirements prior to credit reporting.

Laws Violated by LVNV Funding LLC 1. FCRA Violation Lack of Permissible Purpose ( 15 U.S.C. 1681b ) LVNV Funding LLC has furnished negative information to my credit report without my consent or a legally permissible purpose. Debt collectors must have a legitimate reason before reporting to credit bureaus.

2. FDCPA Violation Failure to Notify Before Reporting ( 15 U.S.C. 1692g ( a ) ) Under the FDCPA, a debt collector must send a written notice within five ( 5 ) days of first contact. I never received a notice informing me of my rights, including my ability to dispute the debt.

3. FCRA Violation Failure to Provide Notice of Reporting Negative Information ( 15 U.S.C. 1681s-2 ( a ) ( 7 ) ) A data furnisher is required to notify the consumer at least 30 days before reporting negative information to a credit bureau . I was not notified before the account appeared on my report.

4. FDCPA Violation Misrepresentation and Unfair Practices ( 15 U.S.C. 1692e and 1692f ) If LVNV Funding LLC reported an invalid or unverified debt, it constitutes a deceptive and unfair practice under federal law.

Request for Immediate Action If LVNV Funding LLC can not validate this debt with proper documentation, I demand that it be removed from all consumer reporting agencies.

If LVNV Funding LLC has reported inaccurate or unverifiable information, I demand an immediate update and deletion of the erroneous data.

If LVNV Funding LLC continues to report unverified information, I will explore my legal rights. Also note your compliance officers/office will be contacted and notified about your actions.

Please send all requested documentation within 30 days of receiving this letter. If you fail to comply, I will assume the debt is invalid and demand its removal from my credit report. 

Sincerely, XXXX XXXXXXXX XXXX XXXXXXXX Without Prejudice

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
This account is listed as a charge off on my credit report, but I have never received a form 1099C for this charge off debt Can you please provide me with a 1099C to accurately reflect this as a charge off for tax purposes and please update credit report accordingly or delete immediately. Pursuant to 15 US section 1681 ( 6 ) ( A ) of the fair credit reporting Act, please provide me with the description of the procedure used to determine the accuracy and completeness of the information, to be provided within 15 days of the completion of your investigation. I appreciate your prompt attention to this matter as theses may seem like small reporting error to you, but they are serious offenses on my credit report when it is time to purchase a home for my family, a vehicle, look fora business loan or even obtain employment. Please consider expediting this process for me. Thank You

Company response to consumer: Closed with explanation