vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-12 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NC

Complaint narrative:
Ive told this company numerous of times they received the application fee. Ive contacted my bank as well and they confirmed the payment was received to this consumer. This is not my debt. I dont owe them a XXXX Theyre are tarnishing my credit when payment was received. Ive even emailed my proof to the company that the payment was received

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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:
To Whom It May Concern, I am formally disputing specific inaccurate, unverifiable, and potentially outdated information currently being reported on my credit file. As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) to ensure that all information listed on my credit report is 100 % accurate, verifiable, and complete.

Upon reviewing my credit report, I have identified several questionable items that do not meet the required standard of accuracy or verification. Your agency is obligated, under 15 U.S. Code 1681e ( b ), to follow reasonable procedures to ensure the maximum possible accuracy of the information reported. Furthermore, under 15 U.S. Code 1681i ( 5 ), if an item is found to be inaccurate, incomplete, or unverifiable after a reinvestigation, it must be promptly deleted or corrected, and the furnisher must be notified of the modification or removal.

As per recent updates in XXXX regarding consumer rights under the FCRA, credit reporting agencies are expected to : Provide clear and accessible evidence of verification upon consumer request.

Ensure third-party data furnishers comply with accuracy and timeliness regulations.

Adhere to stricter timelines for dispute resolution to prevent prolonged negative impacts on consumers.

Given these legal requirements, I am requesting the immediate reinvestigation and correction of the following disputed items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you are unable to provide me with documented, verifiable proof that the disputed information is 100 % accurate, within 15 days of this request, you are required by law to delete or correct the erroneous data. Failure to comply with these legal obligations may result in further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or taking legal action for noncompliance with federal regulations. 

I appreciate your prompt attention to this matter and expect to receive written confirmation of the corrections made. Please provide all relevant details of your investigation and any documentation used to verify the disputed information. 

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 explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
For over a year, I have been denied access to my TransUnion credit report, despite multiple attempts to resolve the issue directly with TransUnion. Each time I call, I am told that my request is being sent to the " maintenance department '' due to an error, and I am instructed to wait several business days before calling back. However, this cycle has continued for over a year without resolution. 

Most recently, on XXXX, I spoke with XXXX XXXX, a supervisor in the Special Handling Department, who provided the following case details : TransUnion Case Number : XXXX ( first rep gave me this number ) TransUnion File Number : Discrepancy XXXX Business Days XXXX ( XXXX gave me this one ). 
Despite being told to wait another five business days, I have no confidence this will lead to a resolution, as the same response has been given to me repeatedly over the past year. I have spent countless hours on the phone trying to correct this, but I am still being denied access to my own credit file. 

Being unable to access my credit report prevents me from verifying its accuracy, checking for fraudulent activity, and ensuring my financial records are correct. This is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

I request an immediate investigation into this matter and demand that TransUnion provide me with full access to my credit report without further delays. I also request a written explanation from TransUnion regarding why this issue has persisted for so long.

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 2025-02-12 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: FL

Complaint narrative:
I never authorized the inquiries your company has placed on 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 2025-02-12 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: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
" I am filing this complaint due to multiple unauthorized inquiries on my credit reports that I did not approve or authorize. These inquiries have appeared without my consent, and despite my repeated efforts to have them removed, the credit bureaus have failed to act. My disputes have been blatantly ignored or dismissed without any proper investigation, allowing these fraudulent entries to continue damaging my credit score. This is completely unacceptable, and these inquiries are in no way a result of any action I've taken. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GM FINANCIAL 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: MD

Complaint narrative:
I recently obtained a copy of my credit report and noticed accounts that dont belong to 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 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Name : XXXX XXXX Also Known As : XXXX XXXX Former : XXXX XXXX Date of Birth : XX/XX/year> Current Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX, XXXX  XXXX Employers : XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
I was told that this account tracks your spending if you use your debit card for purchases or paying bills. However I paid my bills on a XXXX  and I could see the transactions post on my account and be deducted from my balance. So on the next week I was at a casino and checked my balance and it gave me the available balance, however the next day my account showed as being overdrawn. I called and they stated that even though items looked like they were deducted from my account, they have a process on the back end that the merchant has to complete and if the merchant doesnt complete the transaction then the money posts back to the account. So the money that showed as available no longer included the bills I had paid, so the next day the merchant completed the process causing my account to be overdrawn. As the consumer I wasnt aware of this process and relied on the fact I was told I no longer needed to track transactions using my debit card, but based on this process you do have to manually track transactions. It might have been a good idea to notify the customer that funds would be posted back to your account and not clearly free. My account is now closed because I couldnt replace the funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: CT

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, & Equifax credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/year> under the account number XXXX, another account opened at XXXX on XX/XX/year> 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 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 XXXX  XXXX as proof from the XXXX 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 2025-02-12 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: CT

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, & Equifax credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/year> under the account number XXXX, another account opened at XXXX on XX/XX/year> 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 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 XXXX  XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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: IL

Complaint narrative:
Im extremely upset I have been 100 % flawless with a car note for over XXXX yrs never missed a payment. Even during my XXXX XXXX and XXXX and XXXX never missed a payment, I was looking forward to my credit score to rise after the XXXX XXXX car was paid off, XXXX XXXX  put Account closed on my credit report! it should said Paid in full! 

Because of the status and notes they wrote i lost XXXX points off my credit report Please update where it say account paid in full i deserve the points i worked hard for and this showes as bad not Good, becuase they put Cosed when in should say paid in full Never late never had a issue paid weekly for XXXX yrs please dont treat me like that XXXX XXXX you guys hurt my score by XXXX points. it was for the XXXX XXXX XXXX that was my first loan with them. 

I called them and i was told to report them to XXXX that it should say paid in full not account closed. they said the only way to fix it is report to XXXX and credit burial

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 2025-02-12 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: IN

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super XXXX  to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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 2025-02-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Selene Holdings LLC
State: GA

Complaint narrative:
My loan was sold by XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX al illegally twice, not by XXXX  and not by notifying XXXX XXXX. The current servicer is Selene and XXXX. I canceled the Mortgage Loan with XXXX XXXX  in XXXX and XXXX, with a 1099 C and a 1099 A, the IRS has accepted both of these documents, and Selene is aware of it. a UCC 1, a UCC 3 a UCC Financing were also filed and Selene is aware of these documents. Selene has started the foreclosure and has ignored the fact that they do not have a Mortgage note on the property They have an Unsecured note, much like a credit card debt. I have a XXXX XXXX XXXX  in my XXXX for the property. My Mom died in XXXX, I have given Selene, a copy of her death Certificate. I have been on title of this property since XXXX when Mom and I bought this home together as XXXX. Under GA law, Selene can not foreclose, without both the Mortgage and the Security Deed. I revoked in XXXX Selene 's Power to Foreclose, as well. All these documents were filed with the Clerk of the XXXX XXXX. Selene sent a letter dated XX/XX/XXXX saying they are reviewing the documents but they pull this stunt all the time, and then Selene rejects the documents forcing you to either file a XXXX or try to get stop the foreclosure. Selene and XXXX do not have any right to foreclose on my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: CA

Complaint narrative:
I have previously disputed the above referenced account on XX/XX/XXXX. This item was deleted from the credit file on the subsequent credit report of XX/XX/XXXX. However, now this item has reappeared on my credit report. 

In accordance with the requirements of the FCRA, I am hereby requesting your complete compliance with any and all of the provisions listed below and permanently remove this item. 

FCRA 611, Procedure in case of disputed accuracy { 15 U.S.C. 1681i ] Requirements relating to reinstatement of previously deleted material. 

Certification of accuracy of information. If any information is deleted from a consumer & file pursuant to subparagraph ( A }, the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 

If any information that has been deleted from a consumer XXXX XXXX XXXX XXXX XXXX file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( XXXX }, a consumer reporting agency shall provide to a consumer in writing no later than XXXX business days after the reinsertion date. 

( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer XXXX XXXX XXXX XXXX  XXXX file disputing the accuracy or completeness of the disputed information. 

XXXXXXXX XXXX XXXXXXXX

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 2025-02-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA
State: OH

Complaint narrative:
My personal and financial information was compromised without my authorization. FERPA protects the confidentiality of student records. The breach violates the contract and renders it null and void. Due to violations of the Family Educational Rights and Privacy Act FERPA 20 U.S.C. 1232g 34 CFR Part 99 and related federal privacy laws. The institution failed to protect my educational, financial records.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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 am filing a formal complaint against all three credit bureaus for their failure to comply with the Fair Credit Reporting Act ( FCRA ) regarding unauthorized inquiries on my credit report. Under FCRA 611 ( 15 U.S.C. 1681i ), I have the right to dispute inaccurate or unauthorized information, and the bureaus are required to conduct a reasonable investigation and provide verification within 30 days. However, they have failed to do so. 

I initially sent dispute letters on XX/XX/XXXX, and followed up with another set on XX/XX/XXXX. Additionally, I have made multiple phone calls requesting written proof verifying these inquiries under FCRA 609 ( 15 U.S.C. 1681g ), which mandates that consumers have the right to obtain information on file about them. Despite my repeated requests, I have not received proper documentation or any meaningful response, violating FCRA requirements. 

Their failure to investigate and provide proper documentation obstructs my rights under federal law and has left me unable to resolve unauthorized activity on my credit report. I am requesting immediate intervention to ensure compliance with the FCRA and to hold these credit bureaus accountable for their negligence. 

Thank you for your time and assistance.

Company response to consumer: Closed with explanation