vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-29 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: NM

Complaint narrative:
I am formally disputing the late payment entries on my credit report : XXXX XXXX XXXX  XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX - {$0.00} These entries are inaccurate and do not reflect my actual payment history. Despite my repeated attempts to have these discrepancies investigated and resolved, no meaningful action has been taken. I have provided all necessary documentation to support my case and have followed up several times, yet these errors remain. This lack of resolution has not only caused financial strain but has also significantly affected my mental and emotional well-being. The stress of dealing with these incorrect entries is overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial behavior, including the right to have outdated or inaccurate information promptly corrected. I urge you to take immediate action to update or correct these late payment entries, as failure to do so is a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Exeter Finance, LLC.
State: PA

Complaint narrative:
On XXXX XXXX I purchased a car through XXXX of XXXX and the dealership financed me through Exeter Finance. Its now XXXX XXXX and XXXX still cant get registration or tags for the car. I called XXXX and found out that the car has a lien on it and neither Exeter or XXXX have the title. I have been paying Exeter for months for a car I cant legally drive. Im stuck financing a car that I didnt know had a lien on it and Exeter wont let me out of the contract. This issue should be between the car dealership and the finance company and I should be allowed to get my money back and be let out of the contract. This is deplorable that they take hard earned money from people and it was their fault for not checking that the dealership had a title before financing it. I just want out of the contract and my money returned that I put in. My name is nowhere on the car information because of the lien so I will never be able to get registration for this the car. I have a car I filled out a contract on with XXXX XXXX XXXXXXXX that I HAVE to pay on monthly or am harassed by Exeter but they wont let me out of the contract. Buyers Beware!! These companies are selling cars they dont even own. The paper I signed the day of purchase at the dealership says that all liens noted on the certificate of title for such vehicle have been satisfied and the owner signed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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 owed a collection agency, XXXX XXXX also XXXX as XXXX XXXX XXXX. I paid them the balance i owed. they wrote me a letter stating that the balance was paid and that they will request any negative information be removed from the credit reporting agencies. i am attaching the letter. It is still showing up on my credit report! XXXX and experian are not updating it even though i am showing them the letter. I paid {$3800.00} and expect the company as well as experian and XXXX to remove the information as detailed in the agreement between me and the collection agency.

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 2025-01-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
had 4 collections items removed, then items got removed, but my score dropped 14 points, when i asked transunion how that is possible, the rep that I spoke with told me that it went down because I still had other adverse items on my report, so I asked you mean to tell me that to make my score better i have to fix my I have to remove everything at the same time? the average person has no means of doing that and I'm pretty sure that fixing ones credit score does not work that way, the lady I spoke with had no answer for me. nore did she offer to send me any information in regaurds to the 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 explanation
Consumer complaint received 2025-01-29 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:
XXXX continues to violate the FCRA requirements and my consumer right I asked for this XXXX XXXX Bank account to be removed for reporting inaccurate information. 

XXXX reports that last payment received was both XX/XX/year> and XX/XX/year>. 
Although they report pay as agreed in XXXX and XXXX of 2019. 

I asked that this account be removed for inaccurate and incomplete data but instead updated historical account information. XXXX through XXXX of 2019 No Data, then a payment in XX/XX/year>, then again No Data in XXXX and XX/XX/year>. 

Report first delinquency as XX/XX/year> Please remove this account from my credit report immediately

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 2025-01-29 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:
XXXX continues to violate the FCRA requirements and my consumer right I asked for this XXXX XXXXXXXX XXXX account to be removed for reporting inaccurate information. 

XXXX reports that last payment received was both XX/XX/year> and XX/XX/year>. 
Although they report pay as agreed in XXXX and XXXX of 2019. 

I asked that this account be removed for inaccurate and incomplete data but instead updated historical account information. XXXX through XXXX of 2019 No Data, then a payment in XX/XX/year>, then again No Data in XXXX and XX/XX/year>. 

Report first delinquency as XX/XX/year> Please remove this account from my credit report immediately

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 2025-01-29 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: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

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 2025-01-29 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: NY

Complaint narrative:
Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : [ XXXX XXXX XXXXXXXX ], [ CLOSED ACCOUNT ]. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay

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 2025-01-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: CrossCountry Mortgage LLC
State: FL

Complaint narrative:
I am writing to formally file a complaint against CrossCountry Mortgage regarding my request for a loan modification to obtain a XXXX mortgage. 

I have diligently provided all the required documents as requested by the company, including XXXX consecutive pay stubs within a 30-day period and a written letter of explanation. However, despite fulfilling these requirements, CrossCountry Mortgage continues to request additional pay stubs, creating unnecessary delays in the review process. 

This ongoing request for the same documentation after multiple submissions is causing frustration and concern about the companys handling of my modification request. I am seeking a fair and transparent review of my application without excessive and repetitive documentation requests that appear to be stalling the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was reviewing my credit report and noticed some inquiries that do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-01-29 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: PA

Complaint narrative:
I am writing to dispute the presence of the hard inquiries on my credit report as listed below. These inquiries were made without my knowledge or consent, and I request their immediate removal from my credit file.

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 2025-01-29 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
After resolution from XXXX legal counsel, they decided to send this debt to another collections agency. Here is the previous resolved complaint : " I received an email ( XX/XX/XXXX, XXXX XXXX XXXXXXXX ) informing me that my XXXX XXXX XXXX dropped to XXXX, due to a " collections balance '' from " XXXX '' ( no idea who this is, and I've NEVER received contact from them by phone, email, mail, etc. ) of {$530.00}. Listed is the original creditor " XXXX XXXX XXXX '', I believe an ambulance company that transported me ( and apparently billed me ) over 4 years ago. This debt is illegitimate, as I was transported against my will, and forced to sign a document while lacking the required capacity to enter into a legally-binding contract. Whether or not it's viewed as legally valid debt, I don't believe NO contact, and opening a debt collections account by dropping a XXXX on my credit makes any real legal sense. I wasn't notified of my ability to dispute, I just now received their contact information BECAUSE I LOOKED IT UP... I have no desire to give up my information just to simply be harassed, as these business reviews suggest. '' This is beyond ridiculous, and I have no problem taking this to litigation. Take the {$500.00} and shove it up your ***

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 2025-01-29 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: PA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: PA

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 explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
They have is disputed and confused information on profile I fixed a lot of my credit but they are selling my 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 explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TN

Complaint narrative:
I am filing a complaint because Cash App ( Block , inc ) due to inadequate customer services and unfair practices which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to protect my account effectively to address and prevent fraud on their platform, leaving my account unprotected. Furthermore, their dispute process was deceptive and completely unfair, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) Regulation E. These actions have caused significant financial loss and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX, TransUnion and XXXX are governed by USC 1681. They have violated my rights numerous times. I demand the inquires/accounts below be removed immediately :

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 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: LA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on there platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX SSN : XXXX XXXX : XX/XX/XXXX Experian : XXXX XXXX XXXX XXXX XXXX, GA XXXX RE XXXX Correction to my personal information Dear Experian, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. Please remove the following incorrect address and names off my personal record. 


Incorrect name : XXXX XXXX XXXX XXXX name : XXXX XXXX XXXX Incorrect address : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX Incorrect address : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL 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 2025-01-29 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: SC

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2025-01-29 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: OK

Complaint narrative:
I am filing a complaint against TransUnion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, TransUnion consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, TransUnion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure TransUnion complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts I marked as inaccurate : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX PrXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX 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