vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-08 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:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear Sir/Madam, I am writing to address an item on my credit report that is listed as " Charged Off, '' which I believe to be inaccurate. I am requesting the correction of this information pursuant to the Fair Credit Reporting Act, specifically under 15 U.S.C. 1681i, which outlines my rights as a consumer in regard to inaccurate information on my credit report.

Under this law, I have the right to dispute any information on my report that is inaccurate, incomplete, or unverifiable. I request a thorough review of the information related to the " Charged Off '' item on my report, and that it be corrected if found to be inaccurate or invalid.

I kindly ask that you provide me with a response regarding the actions you will take to resolve this discrepancy within the time frame required by law, which is 30 days from the receipt of this letter. Should any further information be needed for verification purposes, I am happy to provide it.

I look forward to a timely resolution of this matter and for my credit report to reflect accurate information.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX : 15 U.S.C. 1681i - Correction of Inaccurate Information 15 U.S.C. 1681i - Correction of Inaccurate Information : ( a ) Right to Correction or Deletion of Inaccurate Information If a consumer notifies a credit reporting agency that information contained in their credit file is inaccurate or incomplete, the agency must investigate, generally within 30 days, and correct or delete any inaccurate information. If the agency can not verify the accuracy of the information, it must delete it.

( b ) Investigation Procedures The agency must investigate the disputed information and provide a response to the consumer, as well as transmit the results to any institutions that reported the information.

( c ) Correction of Records If the information is found to be inaccurate, the agency must remove it from its file or correct it.

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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this complaint to address inaccuracies on my credit report regarding variations of my name. The following entries are incorrect and should not be associated with 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 These variations are not accurate representations of my legal name and create unnecessary confusion on my credit profile. I have never used or been known by these names, and their presence on my credit report is negatively impacting my ability to maintain accurate records. 

I am requesting the immediate removal of these inaccurate names from my credit report by all credit reporting agencies to ensure the integrity of my personal data. Please take swift action to resolve this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I have a Delta SkyMiles Blue Card through American Express and I feel their interest rates for purchases at 29.24 % is too high when considering average credit card interest rates are currently23.97 % - 24.72 % .This card does not have an annual fee. I have asked for a lower APR but was denied without explanation. 

They are also charging late fees up to {$40.00}, but don't specify any actual dollar amount and how it is accessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Recovery Services, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX - {$1000.00} My information was exposed in several data breaches, was the victim of identity theft, and several accounts were opened with unauthorized, fraudulent use.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: AL

Complaint narrative:
Around XXXX XXXX XXXX I was injured and was struggling to pay the mortgage anyway. I was approved for a mortgage from Vanderbilt and I can not afford the payments they have me on, much less when I was injured making pass than I was originally. I had called multiple times from XXXX XXXX to XXXX XXXX to try and rework the contact or payment, with no luck I was unable to do so. I am now in a payment I cant afford to bring food to table because of, even though they ran all information, and am struggling day to day to provide for my kids and family. The mortgage company takes advantage of people who work hard and try to live a great life, but they want to take it all away with their unaffordable houses.

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 2025-01-08 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
My identity was stolen in XXXX when I was a minor in high school. Despite telling the collection agency this and attempting to rectify the situation back in early XXXX by filing a police report and going through the proper channels the collection agency REFUSED to remove the debt which has severely impacted my life the last 5 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: UT

Complaint narrative:
The XXXX XXXXXXXX XXXX XXXX account shows it belongs to a business and is not my account. I have disputed this 3 times and they refuse to remove this account. This is not my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Lendbuzz Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX, I entered into an automobile loan agreement with Lendbuzz Funding LLC for a XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). The loan agreement explicitly states in Section 19 that Lendbuzz Funding LLC or its assignee must maintain a " Register '' to record the names, addresses, and principal amounts owed to each owner of beneficial interests in the loan. 
On XX/XX/XXXX, I sent a written request to Lendbuzz Funding LLC asking for : The name ( s ) and address ( es ) of the current Loan Owner ( s ).

The date ( s ) and details of any assignment ( s ) or transfer ( s ) of the loan.

A copy of the relevant portion of the Register showing this information. 
Despite making this formal request, I have not received a response or acknowledgment from Lendbuzz Funding LLC. This failure to provide information raises serious concerns about the transparency of the loan ownership and whether my payments are being properly directed to the rightful owner. 
I am seeking the CFPBs assistance to ensure that Lendbuzz Funding LLC complies with its contractual and legal obligations to provide accurate information regarding loan ownership and assignment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: PA

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address, and my SSN Card.

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 2025-01-08 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: PA

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address, and my SSN Card.

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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Please correct my address information. TransUnion lists XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX, but my correct address is XXXX XXXX XXXX, XXXX, NJ XXXX. This inaccurate information violates the FCRA 's requirements for maximum possible accuracy under 15 USC 1681e ( b ) and could also violate the permissible purpose rule under 15 USC 1681b. Inaccurate personal information on my credit report can create confusion, harm my creditworthiness, and raise concerns about how securely my data is being handled. I rely on my credit report for important financial decisions, and errors like these make it unnecessarily difficult to maintain a clear and accurate profile. I'm asking for this to be corrected quickly, and I'd appreciate your help in ensuring my report is accurate and up-to-date. If this inaccuracy isn't resolved, it may qualify as willful noncompliance, which could lead to a penalty of no less than {$1000.00} under 15 USC 1681n. Please also confirm in writing once the correction has been made and provide me with an updated copy of my credit report.

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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I recently reviewed an updated copy of my credit report and discovered several errors and discrepancies in the information furnished by your agency. This inaccurate reporting is concerning, as I am preparing to apply for a new line of credit, and these inaccuracies could result in an unjust denial of my application.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I recently reviewed an updated copy of my credit report and discovered several errors and discrepancies in the information furnished by your agency. This inaccurate reporting is concerning, as I am preparing to apply for a new line of credit, and these inaccuracies could result in an unjust denial of my application.

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 2025-01-08 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: TX

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: FL

Complaint narrative:
CFPB This is new information to provide that the charge off recorded was applied after the settlement agreements. 
Subject : Submission of Additional Documents for Pending Complaint Regarding XXXX XXXX XXXX  Accounts I am writing to submit additional documents related to my pending complaint regarding inaccuracies on my credit report for the following accounts : XXXX XXXX XXXX XXXX XXXX These accounts are inaccurately reported as charge-offs. Both accounts were settled, and the balances reflected are erroneous. Despite numerous attempts to resolve this issue, I have received responses from your organization that lack proper investigation and fail to address the specific facts of my case. 

Details of the Complaint : XXXXXXXX XXXX  : Agreed to a settlement on XX/XX/year>, the same day the charge-off was incorrectly applied. 
This reflects negligence in accurately recording the settlement, as the account balance was resolved per the agreement. 

XXXX Account : Settled for a negotiated amount ; however, the charge-off status and balance have not been corrected to reflect the settled status. 
Concerns About Investigation Process : Your prior responses appear to rely on automated scripts or boilerplate language, failing to address the specifics of my complaint or the documents I have provided. Such actions not only fail to meet the requirements of the Fair Credit Reporting Act ( FCRA ), but they also demonstrate a lack of due diligence in investigating disputes. 

Legal Grounds for My Request : Under the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) : Credit reporting agencies are obligated to ensure maximum accuracy in consumer credit files.

15 U.S.C. 1681i ( a ) : Credit bureaus must conduct a reasonable reinvestigation of disputed information when notified of inaccuracies.

15 U.S.C. 1681s-2 ( a ) : Furnishers of information must report accurate data and correct any known inaccuracies. 
The inadequate responses I have received indicate a violation of these obligations, as the inaccurate information remains uncorrected despite clear evidence and multiple submissions.

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 2025-01-08 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: FL

Complaint narrative:
CFPB This is new information to provide that the charge off recorded was applied after the settlement agreements. 
Subject : Submission of Additional Documents for Pending Complaint Regarding XXXX XXXX XXXX XXXX I am writing to submit additional documents related to my pending complaint regarding inaccuracies on my credit report for the following accounts : XXXX XXXX XXXX XXXX XXXX  These accounts are inaccurately reported as charge-offs. Both accounts were settled, and the balances reflected are erroneous. Despite numerous attempts to resolve this issue, I have received responses from your organization that lack proper investigation and fail to address the specific facts of my case. 

Details of the Complaint : XXXXXXXX XXXX XXXX  Agreed to a settlement on XX/XX/year>, the same day the charge-off was incorrectly applied. 
This reflects negligence in accurately recording the settlement, as the account balance was resolved per the agreement. 

XXXX Account : Settled for a negotiated amount ; however, the charge-off status and balance have not been corrected to reflect the settled status. 
Concerns About Investigation Process : Your prior responses appear to rely on automated scripts or boilerplate language, failing to address the specifics of my complaint or the documents I have provided. Such actions not only fail to meet the requirements of the Fair Credit Reporting Act ( FCRA ), but they also demonstrate a lack of due diligence in investigating disputes. 

Legal Grounds for My Request : Under the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) : Credit reporting agencies are obligated to ensure maximum accuracy in consumer credit files.

15 U.S.C. 1681i ( a ) : Credit bureaus must conduct a reasonable reinvestigation of disputed information when notified of inaccuracies.

15 U.S.C. 1681s-2 ( a ) : Furnishers of information must report accurate data and correct any known inaccuracies. 
The inadequate responses I have received indicate a violation of these obligations, as the inaccurate information remains uncorrected despite clear evidence and multiple submissions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: World Acceptance Corporation
State: FL

Complaint narrative:
World Finance has been inaccurately reporting on my credit reports for 7 years. The company isn't even in business anymore and refuses to remove a title from my reports after hundreds of disputes and demands for debt validations. They don't have a single contract with my signature on it. I went to see about getting a title loan on my paid-off car in XXXX after escaping domestic abuse and their interest rates were too high. As I started reading through the fine print during the contract signing I realized they were nothing but loan sharks and decided to go elsewhere. I got up and left and they placed a lien on my car without my consent. I never received a XXXX from them and have requested a contract and copy of a check or deposit slip for YEARS with NO PROOF ever provided. Their Scam has caused me huge financial constraints and burdens. They are predatory and illegal lenders. Reporting a CHARGE off to my credit profiles every single month for the last 7 years! They even repoed my car from the body shop after I'd been tboned and my car is written off as a total loss, at which time they sold MY car at auction for pennies and then wrote off the rest of their FAKE LOAN on their taxes and were paid from their insurance company for a loan they NEVER gave me and I NEVER consented to! They have destroyed my credit for years and my next step will be to SUE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: FL

Complaint narrative:
In XXXXXXXX XXXX XXXX, I was XXXX with XXXX for a little over a month. I had no access to the internet, data, or my phone and was sedated most of the time. I was UNABLE to make my payment on their payment portal. Since then they have been reporting this late payment, even after numerous attempts and even proof sent to the company of my inability to make my payment due to reasons BEYOND MY CONTROL. For 2 years they have denied me a good faith deletion of the late payment on my account that has been open for over 3 years, it is THE ONLY late payment in the history of the entire 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 2025-01-08 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: FL

Complaint narrative:
In XXXXXXXX XXXX XXXX, I was XXXX with XXXX  for a little over a month. I had no access to the internet, data, or my phone and was sedated most of the time. I was UNABLE to make my payment on their payment portal. Since then they have been reporting this late payment, even after numerous attempts and even proof sent to the company of my inability to make my payment due to reasons BEYOND MY CONTROL. For 2 years they have denied me a good faith deletion of the late payment on my account that has been open for over 3 years, it is THE ONLY late payment in the history of the entire account.

Company response to consumer: Closed with non-monetary relief