vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-06 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: CAVALRY INVESTMENTS, LLC
State: MO

Complaint narrative:
My credit bureau reports from XXXX, XXXX and XXXX are reporting an account opened XXXX with XXXX and was assigned to Calvary Portfolio Service on XXXX with date of XXXX delinquency XXXX. 
I sent a letter to Calvary on XXXX requesting I be provided proof of this agreement with my signature. Also I questioned why it was still being reported when the indicated date is beyond the 5 year time limit. 
The statute of limitations for credit card accounts under Missouri law, XXXX XXXXXXXX, is five years.

The response letter I received from Calvary verified receipt of my letter requesting proof of my signature on a contract and rather than providing that proof to me simply responded that this account has been reported to the Credit Bureaus as " disputed ''. 
In the time it took to receive a response ( I mailed a certified letter on XX/XX/XXXX ) and received a letter dated XX/XX/XXXX advising me they had conducted an " investigation '' and that the information being provided to the Credit Bureaus is " accurate '' Because of the account being reported as 1st Delinquency of XXXX, that is considered a time barred account. I have also had numerous lawsuits filed through court after XXXX in which my bank account receiving Social Security be seized. 
I also have never received a 1099 C from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: WI

Complaint narrative:
False reporting, multiple doubles and incorrect numbers

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX Re : Urgent Request - Fraudulent information Block under Section 605B of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action.

Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Additionally, I request the removal of all unauthorized inquiries related to this identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. 
I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. 
I expect written confirmation by 4 BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report. 
This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. 
Thank you for your immediate action to this issue. 

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 2025-02-06 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: NV

Complaint narrative:
On XXXX XXXX XXXX, I put in a dispute for phone numbers and address that are incorrect and old for Experian. They removed the old phone numbers and kept the 21 addresses on there. They are just updating them and not removing them.

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 2025-02-06 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: LA

Complaint narrative:
Consumer Name XXXX XXXX, Consumer Social Security Number XXXX, Consumer Date of Birth XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN 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 a personal loan account opened at POSSIBLE FINANCIAL on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX on XX/XX/XXXX under account number XXXX, a collection account opened at XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. 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 2025-02-06 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:
These inaccuracies are negatively impacting my score, and in turn, my financial stability. I have taken all the necessary steps on my end, yet I am still being penalized for information that is incorrect or unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Self Financial Inc.
State: FL

Complaint narrative:
I discovered several fraudulent accounts on my credit report that were created as a result of a data breach. On XXXX/XXXX/XXXX, I sent XXXX a formal requestciting my rights under 15 USC 1681c-2 ( a ) to delete and block these accounts. The disputed accounts include SELFINC/LEAD ( opened XX/XX/XXXX, {$140.00} ), XXXX XXXX  XXXX XX/XX/XXXX, {$520.00} ), XXXX  ( opened XX/XX/XXXX, {$750.00} ), XXXX  XXXX ( opened XX/XX/XXXX, {$250.00} ), SELF/LEAD ( opened XX/XX/XXXX, {$720.00} ), and XXXX XXXX XXXX  ( opened XX/XX/XXXX XXXX {$520.00} ). Despite providing all necessary documentation, XXXX has not removed these entries, which continues to negatively impact my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
LVNV Funding LLC is stating they are the original creditor with XXXX accounts on my credit report one being for {$1700.00} opened XX/XX/year> and the other being for {$740.00} opened XXXX XXXX, 2024. 
I have never done business with LVNV Funding LLC and they can not provide the original SIGNED contract. This is fraud and they are falsely reporting. I can not owe money to someone I have never done any business with.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: SC

Complaint narrative:
Rocket mortgage has been overcharging my escrow account. They doubled the % of what my taxes should be. And when Ive called to ask them to do an analysis nothing has come of it. I called in XXXX and nothing happened despite being told an analysis would be done in 7-10 business days. Then, I called on XXXX XXXX and spoke with XXXX. He said it would be done soon. Then on XX/XX/XXXX I spoke with XXXX who said it would be done in XXXX. On XX/XX/XXXX I spoke with XXXX. Despite website saying XXXX he said mine wont be getting done until XXXX. But he can put in order for analysis. The account is vastly overfunded. The monthly payment is way more than it needs to be and as I continue to ask someone to look into it I feel I get nowhere. The larger amount is causing hardship and should not be held by company interest free for months

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: NY

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 2025-02-06 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: EQUIFAX, INC.
State: FL

Complaint narrative:
After recently reviewing my credit report, I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries listed below. These were not obtained with my consent. Please delete immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
In XX/XX/year>, I obtained a XXXX XXXX credit  card and was coerced into enrolling in the PAYMENT CARD SECURITY program. I did NOT select the box for it!!!! And did not realize I signed up for it. It was already selected. 

I only realized this was being charged on my card recently when my daughter-in-law asked me what the charge was on the card. All this time I just thought it was required, not optional. So since signing up for the card and unknowingly enrolling in the program in XX/XX/year>, I estimate I have paid upwards of {$1900.00}. I am already retired and would have never been able to realize any benefits of this program so this was just an egregious lending practice for me at my age. 

My daughter in law also found others with complaints about this and it seems like a bad predatory practice that the CFPB should be addressing with Synchrony bank.

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 2025-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: VA

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 non-monetary relief
Consumer complaint received 2025-02-06 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:
My transunion and experian reports for my XXXX accounts are wrong and I have filed disputes. My subsidized and unsubsidized loans through XXXX are both paid in full. I cant get this updated on my credit reports despite uploading the letters from XXXX. 

When XXXX changed servers it I believed they changed the account number. On my credit report it says my balance is still {$790.00} despite being paid in full. When I try to dispute it XXXX tells them it is accurate. They do not have correct information and I have the letters from XXXX to prove 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 2025-02-06 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:
My transunion and experian reports for my XXXX accounts are wrong and I have filed disputes. My subsidized and unsubsidized loans through XXXX are both paid in full. I cant get this updated on my credit reports despite uploading the letters from XXXX. 

When XXXX changed servers it I believed they changed the account number. On my credit report it says my balance is still {$790.00} despite being paid in full. When I try to dispute it XXXX tells them it is accurate. They do not have correct information and I have the letters from XXXX to prove 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 2025-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Equifax sent me a settlement digital prepaid card for XXXX that required activation on their XXXX website. The card was activated and added to mobile wallet. Then it was declined everywhere. It can only be used on the website for their determined purchases, none of which are necessary for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
You sent by mail information pertaining to alleged debts for LVNV Funding for accounts the company owns from ( XXXX ) XXXX  reference number XXXX and XXXX, XXXX XXXX XXXX reference number XXXX. The correspondence state you received information directly or From XXXX XXXX XXXX. I need to know where you received this information from, for my records as I continue to investigate this matter. The information Please provide who provided this information so I can investigate further into this matter. I keep receiving different agencies contacting me about varies accounts that I'm not aware of.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I have been a credit card customer of Citi ( Citibank ) for decades with no history of late payments. On XX/XX/year> I received a text from Citibank indicating that my payment of over $ XXXX had not been received. The due date for the payment was XX/XX/year>. I called Citibank and a representative told me falsely that 1 ) my payment had not arrived yet, 2 ) that I could not make a payment by wire and 3 ) that if my payment was late even by a day I would incur interest and fees and the late payment would be reported to credit agencies. 

I made a XXXX payment of over $ XXXX via XXXX in order to make the payment as quickly as possible given that I was told that I could not make a wire payment. I had to supply my bank information ( routing and account number ) a number of times over the phone as the Citibank rep kept asking me to repeat the information. 

Turns out Citibank had received my payment on XX/XX/year> ( prior to the due date ) and had sent the text by mistake. In a follow up conversation, I was told by a Citibank supervisor that I was not the only one to get that inaccurate text and could not explain why the Citibank rep was not aware of the payment when I called, why I was told I could not wire in the payment and why I was told that I would incur interest/fees and a report to the credit reporting agencies since Citibank apparently has a policy not to report a late payment until at least 30 days late.

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 2025-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: MD

Complaint narrative:
My lawyer requested that Usbank send the remaining money on my two secured credit cards to the debtor ( me ) and usbank proceeds to send it to her office. This has created so much confusion because her office never received the funds

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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Thank you for your prompt attention to this matter. Please feel free to contact me at [ XXXX or [ XXXX ] if further information is required. Sincerely, XXXX XXXX [ Enclosures : Credit Report Highlighted, Supporting Documentation ] This letter is tailored to the specific inconsistencies shown in the provided document. If you'd like, I can refine it further or assist with submitting the dispute.

Company response to consumer: Closed with non-monetary relief