vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-31 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: NC

Complaint narrative:
I disputed a XXXX FAIR and Out Sourcing XXXX {$7800.00} Missouri Education XXXX for {$21000.00} XXXX XXXX XXXX {$89.00} Time payment {$10000.00} Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly.

Reinserting previously disputed and inaccurate information without explanation.

Failing to notify consumers about investigation results effectively.

These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.

Please review the Inaccurate Information being report : 1.

Under the FCRA, you are required to : Conduct a proper investigation into my dispute.

Inform me of the results of your investigation in a clear and comprehensible manner.

Provide me with any documentation you rely on if the disputed information is verified as accurate.

Ensure that inaccurate or unverifiable information is corrected or removed from my credit report promptly.

If the investigation concludes that the information can not be verified or remains inaccurate, I request the immediate removal or correction of this information from my credit report.

Furthermore, I request written confirmation of the actions you take in response to this dispute.

If you fail to resolve this matter, I reserve the right to escalate the issue.

Also please remove per FCRA 605B with in 4 days of notice. The Fair Credit Reporting Act ( FCRA ) Section 605B provides identity theft victims the right to block fraudulent information from appearing on their credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: January Technologies, Inc
State: NY

Complaint narrative:
I was contacted by January Technologies Inc. regarding an alleged debt of {$700.00}. Notably, they never reached out to me directly ; instead, they contacted my sister regarding this debt, which I believe violates the Fair Debt Collection Practices Act and New York state laws that restrict third-party communications. 

I do not recognize this debt and have never taken out any loan or incurred any obligation of this nature. Additionally, I discovered that the debt is being pursued under a former legal name ( XXXX XXXX ), even though I am now legally recognized as XXXX XXXX. I suspect that this may be a case of identity theft and that the alleged debt was incurred without my knowledge. 

I sent an email dispute to January Technologies Inc. requesting verification and validation of the debt, as well as an explanation for the unauthorized contact with my sister. I am additionally seeking an investigation into the practice of having contacted my sister and not me through the appropriate consumer protection channels.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
These inquiries were not authorized by me, and I did not communicate with this under the specified date

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC
State: CA

Complaint narrative:
This is pretty straight forward, I had scheduled my payments through their website. Directly paying through my checking account to them, and setup properly. Scheduled two separate payments only to have them both be declined and made late with associated {$15.00} charges, and then an additional {$5.00} charge on top of this to speak to a human. This is fraud and theft I have emails from them that these payments were setup, only to have them say I didn't have the funds when there was plenty of money to cover the payment. This is infuriating in how they do this and they need to be held accountable, like we would be. Others on reviews said the did the same thing to them, and this stealing has to end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
Crdit acceptance objet charg me and anytime I ask for a statement they refused to give it to me and they over charge me.

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 2025-01-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Greetings, On XX/XX/XXXX, I noticed two unauthorized transactions on my Capital One credit card account ending in XXXX. 

The amounts of the two transactions ( XXXX and XXXX ) were shown as {$430.00}. 

The transaction for XXXX was credited and removed from my balance. 

However, without providing any notice regarding the steps of their investigation, they sent me a letter stating that the transaction was indeed authorized and that someone from my household benefitted from it. 

I have video cameras in around my home and never once did they capture any deliveries being made. 

I hereby dispute Capital One 's findings from their " investigation. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Filed a civil rights complaint regards to fair credit act for myself XXXX XXXX, XXXX XXXX and XXXX XXXX. Poor reconsideration process in which the creditor should review applications and give another chance. Denied based on demographics and income disadvantages, fault with the credit bureau inability to keep paid on time accounts on record.

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 2025-01-31 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: OH

Complaint narrative:
I have been a victim of identity theft. I have noticed some unauthorized accounts on my credit reports that I did not benefit from. I did not authorize for the collections nor the chargeoffs to be reported to my credit reports. I need these fraudulent accounts removed immediately, as I did not have a contract with any of the debt collectors listed. Please remove these accounts immediately, and especially the fraudulent inquiries that I did not authorize!!!

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 2025-01-31 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: OH

Complaint narrative:
I have been a victim of identity theft. I have noticed some unauthorized accounts on my credit reports that I did not benefit from. I did not authorize for the collections nor the chargeoffs to be reported to my credit reports. I need these fraudulent accounts removed immediately, as I did not have a contract with any of the debt collectors listed. Please remove these accounts immediately, and especially the fraudulent inquiries that I did not authorize!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Your company has inquiries listed on my credit report that I never agreed to, and theyre negatively impacting my credit.

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 2025-01-31 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: NY

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Request for Removal of XXXX XXXX XXXX XXXX Personal Loan from Credit Reports Dear CFPB Team, I am writing to formally request the removal of a personal loan {$4200.00} from XXXX XXXX XXXX XXXX, which has been sold to XXXX XXXX, from all three of my credit reports ( XXXX, Experian, and XXXX ). The loan in question has the XXXX Reference Number : XXXX and was recorded on my credit report on XX/XX/XXXX. 

I would like to provide some context regarding my situation. Following a XXXX, I have been striving to recover both physically and mentally. During this vulnerable time, I was under the care of a caregiver who exploited my mental, emotional, and financial state. The co-signer on the loan, XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX ), XXXX : XXXX took advantage of my condition, leading me to make decisions that I would not have otherwise considered. 

I attempted to protect myself by filing for a restraining order due to threatening communications I received from XXXX XXXX 's girlfriend. These threats suggested intentions to maliciously control my finances and living situation. I relocated from XXXXXXXX XXXX  to XXXX California in hopes of finding stability and pursuing a XXXX XXXX, but the stress caused by XXXX XXXX 's actions ultimately led to a left cerebral XXXX. 

Furthermore, XXXX XXXX has been incarcerated for over a year due to robbery charges, which has left me unable to pursue legal action against him for the financial harm he has caused. Despite presenting my temporary restraining order to creditors, they have been unyielding and have failed to recognize my status as a person with XXXX under the XXXX. This situation has significantly impacted my ability to recover and has hindered my potential business opportunities as I transition out of rehabilitation and reduce my reliance on antidepressants. 

Given these circumstances, I respectfully request that the CFPB investigate this matter and assist in the removal of the XXXX XXXX XXXX XXXX personal loan from my credit reports. This entry not only misrepresents my financial history but also exacerbates my current challenges. 

Thank you for your attention to this urgent matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-01-31 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: NY

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-02-01 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: NJ

Complaint narrative:
I am submitting this dispute regarding fraudulent accounts that have been opened under my name without my knowledge or consent. These accounts are a result of identity theft, and I became aware of them in XX/XX/year>. 

Specifically, the account in question is with XXXX  ( Account Number : XXXX ) .XXXX XXXX ( Account Number:XXXX XXXX  XXXX  ( Account Number : XXXX ) .I am requesting that the credit reporting agencies ( Experian, XXXX, and XXXX ) block and delete this fraudulent account in accordance with the Fair Credit Reporting Act ( FCRA ).

Additionally, I am invoking my right to legal recourse under 15 U.S.C. 1681n due to the significant damage caused to my financial well-being by this fraud. 

Thank you for your prompt attention to 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 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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 section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Cfpb complaint reasons. Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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
Consumer complaint received 2025-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
In response to my previous complaint Newrez there is still one issue that was not resolved and information was left out in their response. I had submitted a formal request to delay the escrow analysis until XXXX, which is when XXXX had set up the next escrow analyis to be run. With Newrez running when they did ( they told. me they couldn't run it later, which does not make sense seeing as how XXXX was able to do it ) With them running it 2 months earlier it made my escrow shortage that. much greater because two less payments went into the escrow account from when the previous analysis was conducted. The monhtly amount was around {$1100.00} that went into my escrow account to help pay for the shortage form the previous year. 

Also I would like the XXXX ( who is no longer in business ) issue addressed I will attach the letter again. Newrez took over for XXXX  but someone needs to be held accountable and I need restitution for their errors.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation