vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-08 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: MD

Complaint narrative:
The problem began when I noticed that the same student loan is being reported more than once on my credit report. I have contacted my loan servicer multiple times, but the issue has not been resolved. Despite my efforts to clarify the situation with them, they have not corrected the erroneous entries, and as a result, my credit score has been impacted. 

I believe that the duplication of these loans is a mistake, and I am seeking assistance from the CFPB to investigate and resolve the issue. Specifically, I would like : XXXX. The duplicate loan entries to be corrected or removed from my credit report. 
XXXX. My credit score to be adjusted accordingly to reflect the accurate loan information. 
XXXX. Confirmation that my student loan servicer will take the necessary steps to prevent such errors from occurring in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 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: MD

Complaint narrative:
The problem began when I noticed that the same student loan is being reported more than once on my credit report. I have contacted my loan servicer multiple times, but the issue has not been resolved. Despite my efforts to clarify the situation with them, they have not corrected the erroneous entries, and as a result, my credit score has been impacted.

I believe that the duplication of these loans is a mistake, and I am seeking assistance from the CFPB to investigate and resolve the issue. Specifically, I would like : 1. The duplicate loan entries to be corrected or removed from my credit report.

2. My credit score to be adjusted accordingly to reflect the accurate loan information.

3. Confirmation that my student loan servicer will take the necessary steps to prevent such errors from occurring in the future.

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 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Experian has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information in my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed account as Experians inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Experian has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information in my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed account as Experians inaction violates federal law and my rights as a consumer.

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 2025-03-08 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: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
LVNV Funding llc is reporting information without my consent and knowledge of them having personal information there these laws shall be implied to this report- Section 604 15 USC 1681- B, Section 605 B 15 USC 1681 C-2, Section 605 A 15 USC 1681 C-1

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: NJ

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, OH XXXX ( XXXX ) XXXX Account ID : XXXX Is showing on my credit report as an unpaid account when it was sent to the XXXX XXXX and XXXX off. The XXXX XXXX was removed from my credit report, however, XXXX  or the Credit Bureaus will update this information on my Credit Report. All XXXX bureaus for different dates and inconsistent negative information. 

XXXX XXXX XXXX DISPUTES XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Account ID : XXXX Also, incorrect information reported by all 3 credit bureaus Equifax states I paid 73 % of my payment on time while Experia reports I paid 21 %. TransUnion and Equifax reported I paid off the charge off while Experian does not. The amount sent to collection from XXXX was {$240.00} in late fee. The title was sent to me and those charges were charged off and sent to collection. 

Experian is all also reporting accounts from XXXX XXXX XXXX XXXX that have been paid in from XXXXXXXX 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 2025-03-08 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: World Omni Financial Corp.
State: FL

Complaint narrative:
I am writing to formally dispute multiple unauthorized hard inquiries on my credit report that resulted from my auto loan application at XXXX XXXX in XXXX XXXX, Florida. While I did inquire about financing, I only authorized XXXX credit pull, but the dealership submitted my application to multiple lenders without my explicit consent, leading to an excessive number of hard inquiries. 

The following unauthorized hard inquiries need to be removed : 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 XXXXXX/XX/XXXX Reason for Dispute : I did not authorize multiple credit pulls. 
Under the Fair Credit Reporting Act ( FCRA ), inquiries must be permissible and authorized by the consumer. 
XXXX XXXX engaged in shotgunning submitting my application to multiple lenders without my consent. 
This excessive number of inquiries was not part of my agreement, and I was not informed that my credit would be pulled this many times. 
Since these inquiries were excessive and unauthorized, I am requesting that they be removed immediately. If these inquiries can not be verified, they must be deleted from my credit report, as required by the FCRA ( 15 U.S.C. 1681i ). 

I have enclosed the following documents to support my claim : A copy of my credit report with the disputed inquiries highlighted A copy of my drivers license or government-issued ID A copy of a utility bill or bank statement for identity verification Please investigate this matter and provide me with a written response within 30 days, as required by law. If you need any additional information, feel free to contact me at XXXX or XXXX. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I am writing to formally dispute multiple unauthorized hard inquiries on my credit report that resulted from my auto loan application at XXXX XXXX in XXXX XXXX, Florida. While I did inquire about financing, I only authorized one credit pull, but the dealership submitted my application to multiple lenders without my explicit consent, leading to an excessive number of hard inquiries. 

The following unauthorized hard inquiries need to be removed : 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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ALLY FINANCIAL XX/XX/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 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 Reason for Dispute : I did not authorize multiple credit pulls. 
Under the Fair Credit Reporting Act ( FCRA ), inquiries must be permissible and authorized by the consumer. 
XXXX XXXX engaged in shotgunning submitting my application to multiple lenders without my consent. 
This excessive number of inquiries was not part of my agreement, and I was not informed that my credit would be pulled this many times. 
Since these inquiries were excessive and unauthorized, I am requesting that they be removed immediately. If these inquiries can not be verified, they must be deleted from my credit report, as required by the FCRA ( 15 U.S.C. 1681i ).

I have enclosed the following documents to support my claim : A copy of my credit report with the disputed inquiries highlighted A copy of my drivers license or government-issued ID A copy of a utility bill or bank statement for identity verification Please investigate this matter and provide me with a written response within 30 days, as required by law. If you need any additional information, feel free to contact me at XXXX or XXXX. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Used obscene, profane, or other abusive language
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Dispute of Debt Reporting on Credit Report ( Account # XXXX To Whom It May Concern, I recently reviewed my credit report and noticed that your company is reporting a debt under the above-referenced account number. I do not recognize this debt and am formally disputing its validity under the Fair Debt Collection Practices Act ( FDCPA ) and Regulation F ( 12 CFR Part 1006 ). Additionally, I am requesting full validation of the debt under my rights provided by the Fair Credit Reporting Act ( FCRA ).

Debt Validation Request Under Regulation F & FCRA To comply with federal regulations, I request that you provide : 1. Creditor Information : The name and address of both the original creditor and the current creditor who owns the debt.

2. Debt Verification : A breakdown of the debt amount, including principal, interest, fees, and other charges as required under 12 CFR 1006.34 ( c ).

Proof of a valid contract or agreement establishing the alleged debt and my obligation to pay it.

3. Itemization Date : Provide the specific reference date you used in your itemization ( such as the last statement date, charge-off date, or last payment date ).

4. Assignment Records : Copies of all assignments or transfers demonstrating the chain of ownership of this debt from the original creditor to your agency.

5. Proof of Permissible Purpose : Documentation explaining the permissible purpose under which you accessed and reported this debt to the credit bureaus, per 15 U.S.C. 1681b ( Fair Credit Reporting Act ).

6. Cease Collection Until Validation Is Provided : If you can not provide proper validation, I request that you immediately cease all collection activities and remove this account from my credit report.

7. Credit Reporting Requirements : o If this alleged debt is reported to the credit bureaus, I request that it be marked as disputed by consumer per 15 U.S.C. 1681s-2 ( a ) ( 3 ).

o If this debt can not be validated, I demand that it be deleted from my credit report immediately in accordance with the FCRA.

I request confirmation that no negative information will be furnished to the credit bureaus during the validation process, per Regulation F guidance.

8. Notification to Future Collectors : If you transfer or sell this account to another agency, they must also be informed of my dispute per 12 CFR 1006.30 ( d ) ( 1 ).

Next Steps Please provide a written response to this request within the legally required timeframe. If you can not validate this debt, I expect you to promptly remove it from my credit report and cease all collection efforts.

Additionally, I do not consent to any form of contact via email, phone, or text message. I request that all communications be conducted strictly via mail. 

Thank you for your immediate attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds with 24 hours stating the account is accurate, without providing any evidence of a through investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 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 Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
During the month of XX/XX/XXXX, I had made a payment to go to the principal and Truist Bank only applied the amount of {$6000.00} and the rest of the money went to other business. However, I was very cleared when I went to make the payment told the cashier person to go to the principal ONLY. The rest of the money of {$2900.00} went somewhere in their behalf. The next month another payment of {$800.00} which it was paid, went to business on their own side ( escrow {$130.00} and XXXX escrow shortages. They keep sending money to my insurance in my behalf which I have never requested from them twice again ( XXXX {$1600.00} and XXXX XXXX ) unnecessary. Payments have been made on time what they request completely on my account. All the amounts that I have paid on the principal previously had gone somewhere else without no knowledge on my part. I am so tired to be dealing with the same issue over and over and not getting anywhere. I am the customer who had been making payments from XXXX until now and actually instead of getting the mortgage paid out and keep loosing money on their side. there no way to talk to this people because they don't know what they do on daily basis. They have made XXXX payments ( prepaids ) to home owner 's insurance without not even asking. I really don't want business with Truist Bank at all.

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 2025-03-08 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Please ensure the unauthorized accounts are blocked and removed from my credit report at the earliest opportunity. I did not initiate these accounts and have no knowledge of their origin. Under USC 1681g, I formally request their removal within 15 days. Relevant supporting 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 2025-03-08 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: NY

Complaint narrative:
I recently reviewed my credit report and found XXXX closed accounts with late payments that do not belong to me. These accounts were fraudulently opened in my name and are hurting my credit. XXXX, reported by XXXX, was opened on XX/XX/XXXX, with XXXX late payment from XX/XX/XXXX. XXXX XXXX Bank, reported by Equifax and XXXX, was opened in XX/XX/XXXX and has XXXX late payments from XX/XX/XXXX to XX/XX/XXXX. There are also inconsistencies across bureausTransUnion shows no late payments for XXXX XXXX XXXX, while Equifax and XXXX do. Since these accounts were fraudulently opened, I should not be penalized for them. I have disputed them, but they remain on my report, affecting my ability to obtain credit. I need these accounts and their negative history removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 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: CA

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are hard inquiries that were not authorized by me and I need these removed immediately. I have spoken to the credit bureau who refuse to investigate and remove the hard inquiries. I was also aware that there was a breech and this was an impact to me. Please remove these unauthorized inquires.

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