vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-31 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I requested to review the XXXX account shown on the report for accuracy. This request was not completed at all. 
Under the Fair Credit Reporting Act ( FCRA ), any information on your credit report must be accurate, complete, and timely. If an account is incorrectly reported, it is a direct violation of your rights. The FCRA mandates that if you dispute an item on your credit report, the credit reporting agencies must investigate it within XXXX  days and correct any errors. If the account in question is outdated, incomplete, or unverifiable, it must be removed immediately. There is absolutely no excuse for a fraudulent or inaccurate account to be on your credit report, as it severely damages your financial standing and violates federal law. This account should be removed without delay.

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 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I was alarmed that there are inaccurate late payment remarks on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am writing to formally dispute the collection account ( XXXX XXXX XXXX ) listed on my Transunion credit report and to demand that you cease all collection activities related to this account immediately. Account Details : Creditor Name : [ XXXXXXXX XXXX XXXX XXXX  Account Number ( if available ) : [ XXXX ] Amount in Dispute : [ {$3500.00} ] Date Reported : [ XXXX XXXX ] The debt does not belong to me, The amount is incorrect, I have never received validation of this debt, or This account is past the statute of limitations. ] Cease and Desist Demand Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692c ( c ), I am requesting that you cease all collection efforts, including phone calls, emails, and written correspondence. If you believe this debt is valid, you must provide proper debt validation as required under the Fair Credit Reporting Act ( FCRA ) and FDCPA before continuing any collection attempts. Formal Dispute Request Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, I am formally requesting that this account be investigated and removed from my XXXX credit report immediately if you can not provide verifiable evidence of its accuracy. Failure to respond appropriately within 30 days will result in my filing complaints with : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) The Attorney Generals Office in my state I request a written response confirming the removal of this collection or a copy of the validation documents. This letter serves as official notice that failure to comply with my request may result in legal action for violations of the FCRA and FDCPA. Sincerely, [ 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 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am filing this complaint to demand immediate correction of false and damaging information Equifax continues to report on my credit file. The account in question is XXXX, account number XXXX, which Equifax is inaccurately reporting with late payments for XXXX and XX/XX/year>. These late entries are completely false all payments have been made on time. Neither XXXX nor XXXX reports this account as delinquent, further proving that Equifaxs reporting is inaccurate and inconsistent, violating the FCRAs maximum possible accuracy requirement under 15 U.S.C. 1681e ( b ). I already disputed it before, but Equifax has continued to report this harmful information without validating its accuracy or correcting the record. This qualifies as a billing error under 15 U.S.C. 1666 ( b ) and was reported without my written authorization, in violation of 15 U.S.C. 1681b ( 2 ) and 1681c-2. These continued violations are harming my credit score, damaging my reputation, denying me housing opportunities, and putting my financial well-being at risk. Let me be clear : I am NOT requesting the deletion of the entire account, but I am demanding the immediate removal of the false late payments and for the account to be corrected to reflect an accurate payment history and status of PAID AS AGREED. Equifaxs refusal to correct this after ample opportunity demonstrates willful noncompliance, subject to civil liability under 15 U.S.C. 1681n and 1681o. I request that the CFPB intervene immediately and compel Equifax to correct this harmful and unlawful reporting and provide me with written confirmation of the correction without further delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. 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 2025-03-31 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-03-31 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: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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 always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

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 2025-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: WestGen Lending, a DBA of Beckam Funding
State: MA

Complaint narrative:
To Whom It May Concern, My name is XXXX XXXX, and I am filing this complaint regarding my mortgage experience with GenHome Mortgage Corporation. 

I obtained my first mortgage through GenHome and made four monthly mortgage payments directly to them. During this period, GenHome informed me that they only accept payments via mailed checks sent to their po box . I followed their instructions and mailed my checks on time each month.

However, because I could only send payments to their po box and could not use signature confirmation, my checks were subject to mailing delays. As a result, some payments were received a few days late. One of my checks even got lost in the mail. GenHome informed me of the lost payment several days later and requested that I send a replacement check, which I did immediately. 

Additionally, XXXXenHome held my final payment check and did not deposit it, because they were in the process of selling my loan to another lender. That payment was not transferred on time, so they held my check for a month and gave it to the new lender instead. This has caused further confusion and has disrupted the accuracy of my payment history. 

Now, I am in the process of refinancing my mortgage loan. Unfortunately, these issues are reflected as late or unclear payments on my bank records, which is negatively affecting my refinance application. To resolve this, Ive been trying to obtain a Verification of Mortgage ( VOM ) from GenHome, including an explanation of the situation, to clarify my payment history.

However, I am unable to reach GenHome. Neither I, my mortgage broker, the new lender, nor the credit company ( XXXX ) have been able to contact them successfully. Only one person answered my call, and they gave me incorrect information, stating that GenHome does not handle payments and referred me to XXXX. When I contacted XXXX, they informed me that they do not service GenHomes loans.

Because of GenHomes unprofessional and poorly managed payment process, I am unable to refinance my mortgage loan. I am currently in debt and urgently need access to cash through a cash-out refinance, but I can not complete the loan process due to this issue. 

I am requesting your help in resolving this matter. I need GenHome to provide my payment records and a VOM with an explanation so I can proceed with refinancing. Their lack of communication and disorganized system is directly impacting my financial stability. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: EQUIFAX, INC.
State: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have not supplied proof under the XXXX of XXXX by XXXX, XXXX XXXX XXXX ( MO ) 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 2025-03-31 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: GA

Complaint narrative:
I have not supplied proof under the XXXX of XXXX by XXXX, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Franklin Collection Service, Inc.
State: AL

Complaint narrative:
FRANKLIN SERVICE INC Reported : XXXX. XXXX, XXXX Balance : {$3100.00} XXXX XXXX, XXXX ( 4 yrs, 2 mos ) Account status Open Type Derogatory Placed for collection Account information disputed by consumer Original Creditor Name XXXX XXXX XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Overview You have 100 % left to pay on this collection. 
Balance : {$350.00} Opened XXXX XXXX, XXXX ( 1 yr, 3 mos ) Account status Open Type Derogatory Responsibility Individual Remarks Placed for collection Account information disputed by consumer Account information disputed by consumer Original Creditor Name XXXX Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: NJ

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 2025-03-31 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On XX/XX/XXXX, I sent a dispute letter to transunion regarding the fraudulent credit cards/hard inquiries/ inaccurate information on my account. Including an address I never resided at. 

I sent my FTC identity theft report to transunion highlighting each fraudulent inquiry as well as each fraudulent address. 

There is a fraudulent hard inquiry and closed account for a discover bank credit card that isn't mine and that is attached to an address that isn't my address. 
The amount contains {$740.00} and was opened XX/XX/XXXX. 

There is a fraudulent hard inquiry and closed account for a XXXX XXXX credit card that isn't mine and that is attached to an address that isn't mine. The amount contains {$400.00} and the account was opened XX/XX/XXXX. 

There are also other fraudulent inquiries on my report including Fraudulent Hard Inquiries, Charge-Offs, Late Payments & Collections that are not mine which includes : Fraudulent Hard Inquiries : XXXX 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 XXXXXX/XX/XXXX XXXX. XXXX Accounts : XXXX XXXX  Charge-Off XXXX/XXXX ( Est. Removal Date ) XXXXXXXX XXXX XXXXXXXX XXXX/XXXX ( Est. Removal Date ) 3. Late Payments : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX day late payments before charge-off ( Reported : XX/XX/XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX Multiple late payments leading to charge-off ( Reported : XX/XX/XXXXXXXX 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 2025-03-31 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: IL

Complaint narrative:
Kindly remove the unauthorized accounts from my credit report as soon as possible. I have no connection to these accounts, nor did I authorize them. Per USC 1681g, I am formally requesting their removal within 15 days. I have enclosed supporting documents for your review. Moreover, discrepancies exist as different account details are being reported to each credit bureau.

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 2025-03-31 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: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
Company : Portfolio Recovery Address : XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX Account # : XXXX ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-03-31 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: VA

Complaint narrative:
THE FOLLOWING ACCOUNTS ARE FRAUDULENT AND WAS NOT OPEN BY ME AND ARE UNAUTHORIZED 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 XXXXXXXX XXXX XXXX XXXX I HAVE INCLUDED MY FEDERAL TRADE commission IDENTITY THEFT REPORT I AM requesting IMMEDIATE REMOVAL OF THESE FRAUDULENT ACCOUNTS

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 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am disputing an account on my credit report that was reported without my written authorization, XXXX  XXXX XXXX. This violates the Fair Credit Reporting Act ( FCRA ). Under 15 U.S.C. 1681e ( b ), TransUnion must ensure the maximum possible accuracy of all information in consumer reports. The presence of this account shows a failure to meet that duty. Additionally, under 15 U.S.C. 1681b, TransUnion must conrm a valid permissible purpose before reporting any account. Without my written consent. This requirement has not been met. Failure to notify of the Re-insertion requirement to the consumer within ve business days, 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), and failure to provide certication of accuracy under 15 U.S.C. 1681i ( a ) ( 5 ) ( c ). I demand an immediate investigation and permanent removalof this account from my credit le. Continued reporting my constitute willful noncompliance under 15U.S.C. 1681n or Negligent noncompliance ( 15 U.S.C. 1681o ) and may be considered identity theft under FTC guidelines

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