vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-21 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: SC

Complaint narrative:
About XXXX years ago I went through the whole process for the purchase of a manufactured home and the loan was with the Vanderbilt company. At that time I sent all my income information. I was first opting for a mobile home larger than the mobile home that I ended up buying because of my income problem. As I explained at that time, my income is based on XXXX and I get paid once a month. Up to this point I have never missed a payment, only that there have been several times that I have been late with the payment but I have always done it. I was one of those affected by XXXX XXXX in South Carolina, and at that time I asked them to help me and forgive me a payment like all mortgage banks do. Since then they have been very hostile to me and they are harassing me with threats and according to them they are worried about my income which as I told them yesterday is the same income that I showed them when they gave me the loan. They treat me as if I lied and they even tell me that I am not paying. They even told me yesterday that I should look for someone else and rent it on my property, which I find disrespectful. They also suggested that I sell the house that they financed me, or that I exchange it for a smaller one, which is also disrespectful to me, because I have told them that I will continue making the payments, but they have harassed me with calls and interrogations that are too personal according to them because of their concern for my economic condition, which I repeat is the same as when they approved the loan for me. On the other hand, the first year I paid the property taxes and they charged me the same, and this year on XX/XX/XXXX I paid {$2200.00} for the property taxes and they offended me because according to them, I couldn't do it, but rather they were the ones who had to make the payment and even so they raised my monthly payment, and on the other hand, they are charging me a fee of {$120.00} per month that they can't explain to me exactly what it is for. Also, since then, I have been paying more than {$120.00} per month. The first few months the mobile home has had structural problems. I contacted the insurance company that they themselves provided and they told me that they do not cover structural problems, which in my opinion is also a scam. I have in my possession the letter that I received from the insurance company when I made the claim. On the other hand, the interest is extremely high, 11.05 % and they do not offer refinancing as they promised me when we made the purchase. They are leaving me without options. I hope you can help me. I have photos of the damage to the house and the insurance letter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2025, I submitted a dispute to Equifax and Experian regarding fraudulent accounts in my name, specifically XXXX XXXX XXXX and XXXX XXXX. I provided : A valid identity theft report Proof of my identity ( ID, Social Security, and utility bill ) A formal dispute letter demanding deletion under FCRA Section 605B Violations by Equifax & Experian : Failure to block fraudulent accounts within 4 business days ( Required under FCRA 605B ) Failure to provide verification documents proving I owe the debt ( Required under FCRA 609 & 611 ) Updated the balance to XXXX but refused to delete the fraudulent account Allowed an account to remain in my credit file even though XXXX XXXX XXXX no longer owns the debt Refused to provide a written statement of the investigation process and results On XX/XX/, I submitted a formal dispute to Equifax & Experian regarding a fraudulent charge-off reported by XXXX XXXX XXXX . 
I provided : A valid identity theft report Proof of my identity ( ID, Social Security, utility bill ) A dispute letter demanding removal Under FCRA 605B, credit bureaus MUST block fraudulent accounts within 4 business days.

It has now been over 18 days, and they have not removed the account or provided verification that I owe this debt. 
Violations Committed by Equifax & Experian : 1 Failure to remove fraudulent accounts within 4 business days ( FCRA 605B ) 2 Failure to verify the debt by providing a signed contract ( FCRA 609 & 611 ) 3 Continued reporting of a {$0.00} balance charge-off without a 1099-C ( Violation of IRS Code 6050P ) 4 Deliberate noncompliance & harm to my creditworthiness Requested Resolution : 1 Immediate deletion of the XXXX XXXX XXXX account XXXX 
2 Written confirmation of the deletion.

3 Regulatory action against Equifax & Experian for violating federal law. 
If this is not resolved immediately, I will pursue legal action for damages under FCRA 616 & 617. 


Despite my prior disputes, Equifax and Experian have failed to remove these accounts, violating federal law. Instead, you have : Updated the balance to {$0.00} but failed to delete the charge-off a contradiction that violates FCRA 1681e ( b ) ( accuracy requirement ). 
Ignored my identity theft report and refused to block fraudulent accounts within 4 business days, violating FCRA 605B. 
Failed to verify the debt by providing a signed contract proving I owe this debt, violating FCRA 609 & 611.

These violations are severe, willful, and actionable under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MD

Complaint narrative:
This car was paid of by my insurance company I did not sign any documents this springs oaks capital and did not agree to do business with XXXX XXXX XXXX XXXX XXXX XXXX XXXXraudulently have my personal information in they database and I do not approve they are trying to collect XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: VA

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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'm submitting a complaint concerning an account on my credit report : Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number:XXXX I'm writing to dispute inaccurate information on this account as follows Please Remove this entire account** from my credit report as I have no affiliation with 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 explanation
Consumer complaint received 2025-02-21 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'm submitting a complaint concerning an account on my credit report : Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX I'm writing to dispute inaccurate information on this account as follows Please Remove this entire account** from my credit report as I have no affiliation with 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 2025-02-21 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: PA

Complaint narrative:
I'm submitting a complaint concerning an account on my credit report : Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account XXXX I'm writing to dispute inaccurate information on this account as follows Please Remove this entire account** from my credit report as I have no affiliation with it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 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:
It has come to my attention that my personal information has been exposed in the XXXX data breach. Upon reviewing my credit reports I notice many accounts and inquiries that I am not familiar with. I have asked the CRA 's for validation of debt, however the information has not been provided. Due to my information being exposed, I have submitted an FTC complaint reporting the information I am not familiar with. Please find attached a copy of my ID, the FTC complaint, a copy of proof that my information was impacted during the XXXX data breach, and a validation of debt letter.

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 2025-02-21 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: NY

Complaint narrative:
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 XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

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 2025-02-21 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: NY

Complaint narrative:
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 XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

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 2025-02-21 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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-02-21 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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

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 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

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 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: CA

Complaint narrative:
This is regarding an inaccurate entry appearing on my XXXX credit report related to an account with Discover Bank. The account in question was charged off and closed in XXXX. However, it is currently being reported as open, with 66 missed payments and an alleged outstanding balance of {$3000.00}. This information is incorrect and is negatively impacting my credit history. 

Details of the Dispute : Date of Charge-Off and Account Closure : XXXX  Alleged Debt : {$3000.00} Credit Bureau Reporting the Issue XXXX XXXX ( XXXX XXXX is also refusing to resolve and they are reporting the information from Discover Bank and XXXX ) Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S. Code 1681 et seq. ), all information provided to credit reporting agencies must be accurate, complete, and verifiable. Since this account was both charged off and closed in XXXX, it should not be reported as open, nor should it reflect any additional missed payments or an outstanding balance. This inaccuracy is harming my credit profile and violates the provisions of the FCRA. Discover provided no evidence that this debt is valid and that it should legally be reopened out of nowhere. 

I have attempted to resolve this with XXXX and Discover Bank, but the account is still being reported inaccurately. As such, I am requesting the CFPBs assistance in investigating this issue. Specifically, I request that Discover Bank and/XXXX  : 1. Investigate the reported error and provide proof that the account was re-opened and that the alleged balance of {$3000.00} is valid. 
2. Correct or remove any inaccurate entries regarding this account from my XXXX credit report. 
3. Confirm in writing that the account remains closed and charged off. 

Thank you for your assistance in ensuring that accurate information is reflected in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: GA

Complaint narrative:
i have addresses on my credit report that i never lived such as XXXX XXXX XXXX XXXX, GA XXXX. I would like this address removed and also the jobs listed i on my credit report i never worked at any of those jobs

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: NJ

Complaint narrative:
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 name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
i have submitted disputes to you and i didnt get response within 30 days and ya 'll are required by law to do so. Please investigtes my disputes, please. Thank 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 non-monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
i have submitted disputes to you and i didnt get response within 30 days and ya 'll are required by law to do so. Please investigtes my disputes, please. Thank 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