vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-26 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:
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 2025-03-26 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: CA

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 2025-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: SC

Complaint narrative:
On XX/XX/year> I turned off autopay and made a payment manually on XX/XX/year> and policy states 3 days before due date is exceptable. My payment was due XX/XX/year>. They continued to withdraw another payment XX/XX/year> and sent an email notification of debit failure from my checking account and charged a return fee on XX/XX/year> and returned the fee on XX/XX/year> to the credit card after my complaint with an over the phone conversation. At that point the 2nd payment had already been withdrawn and here on XX/XX/year> their only reply the 2nd payment is scheduled for return XX/XX/year>. This checking account is my only income source from SSXXXX.

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 2025-03-26 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: TX

Complaint narrative:
I am filing a formal dispute regarding multiple violations of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I demand immediate correction and removal of the following inaccurate and unverified information from my credit report : 1. Invalid and Unverified Debt ( FDCPA Violations ) Under 15 U.S. Code 1692g, I am disputing the listed accounts as they have not been properly validated under the FDCPA. Your failure to provide legal validation means you can not report or collect on these accounts, and they must be removed immediately. 2. Incorrect Late Payment Remarks ( FCRA Violations ) Under 15 U.S. Code 1681s-2 ( a ) ( 1 ) and 15 U.S. Code
1666b, I am disputing inaccurate late payment remarks on the following accounts. These accounts were paid on time, and the false reporting of late payments is a violation of FCRA and TILA. I demand that these remarks be removed immediately to ensure the accuracy of my credit file. 


Additionally, I have already filed a formal complaint with the Federal Trade Commission ( FTC ) under Reference Number : XXXX regarding these violations. If this matter is not resolved promptly, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action to protect my rights.

I expect a written response and correction within the legally required timeframe. Failure to comply may result in additional legal consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: FL

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 2025-03-26 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: VA

Complaint narrative:
XXXX reported my student loan balance twice. 

Instead of ~ {$200000.00} it now appears on credit bureaus as ~ {$400000.00}. 

In my documents I uploaded my actual loan balance on XXXX and then I uploaded documents of my reported loan balance on XXXX XXXX and with TransUnion. 

Oddly, my loan balance shows correctly on XXXX and XXXX. 

I wonder if anything has to do with my loans being transferred within the new XXXX system because Transunion shows one account is closed and one opened but both have loan amounts of XXXX and they're adding them together.

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 2025-03-26 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: MN

Complaint narrative:
This company has called me on a few separate occasions. This account was sold this debt of {$300.00} in XXXX of XXXX they had called me countless times for 2ish months following this. After i had told them to stop calling i hadnt received a call regarding this for awhile until they had called me on XX/XX/XXXX regarding this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: CO

Complaint narrative:
I have three credit cards still showing up with an active XXXX XXXX. Under colorado and federal laws. I need a letter to in cure new debt. I would like to see the letter. That approved the three credit card the three credit cards are XXXX XXXX XXXX XXXX  and XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: CO

Complaint narrative:
I have three credit cards still showing up with an active XXXX XXXX. Under colorado and federal laws. I need a letter to in cure new debt. I would like to see the letter. That approved the three credit card the three credit cards are XXXX XXXX XXXX XXXX  and XXXXXXXX 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 2025-03-26 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: CO

Complaint narrative:
I have three credit cards still showing up with an active XXXX XXXXXXXX. Under colorado and federal laws. I need a letter to in cure new debt. I would like to see the letter. That approved the three credit card the three credit cards are XXXX XXXX XXXXXXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: MD

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Central Portfolio Control Inc.
State: MO

Complaint narrative:
In XX/XX/year>. I noticed a collection on my credit report. Prior to this i had received no notice. I contacted the company. They wanted my personal info I did not know who they where so I did not give them anything other then my name. I requested the validation of debt. The gentleman said he did not have to provide got mad at me saying I knew what the debt was etc. He got very rude and mean and obnoxious. Then hung up on me. That company is Central Portfolio Control. I never did receive any notice from them.

Some time went by and I contacted another company associated with them. XXXX XXXX. I requested the same info a validation of debt. They would not provide it for me. Some more time went by. 

I received an email from XXXX XXXX services on XXXX. I called them again they refused to send me a validation of debt. When I requested this info the lady said she would foward it to another department and hung up the phone. 

All these company 's are associated with each other. At this time XXXX. I have never received any contact info from them. What am I supposed to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
I called on XX/XX/XXXX because a charge on my Credit Card account seemed inaccurate. The customer service representative said disputing it was an option. ( The charge was listed as XXXX XXXX XXXX and the amount was approx {$23.00}. ) I did some more research after the call and found the charge to be legitimate, so I called Ally back to cancel the dispute less than an hour and a half later. The CSR I spoke with said she would cancel it and everything would be taken care of. 

Today I looked at my credit report and found out that ALLY had added a comment stating that I was actively disputing a charge and it caused my credit score to drop. I called ALLY CC Co. and requested to speak to a supervisor. XXXX took the call and informed me that there was nothing she could do to fix the situation. She told me that It didn't matter if I canceled the dispute less than XXXX hours later, if a dispute investigator had already started working on it, the official comment would have been added regardless. I told her that I doubted anybody had started working on it in that short of a time frame. ( She would not tell me when they actually started investigating though. ) I informed her that I was actively working on purchasing a vehicle and their actions may have cost me hundreds of dollars in an interest rate difference.

I was never told by either of the first two CSRs that they would add an official remark to my credit report which would in turn hurt my ability to get a decent interest rate on my loan. A {$23.00} charge was not worth hundreds of dollars wasted. I asked about the process of filing a formal complaint and she would not give me a way to do that, she stated that she would file the complaint for me. These types of business practices are very shady and the lack of transparency is disturbing.

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 2025-03-26 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: NC

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 2025-03-26 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: NC

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 2025-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: NC

Complaint narrative:
I am writing to file a formal complaint against Vanderbilt Mortgage and Finance due to their unfair and unlawful practices. I have previously filed XXXX complaints against this company, and I have yet to receive a response.

After submitting my complaints, Vanderbilt sent a certified letter regarding a default. At no time have they attempted to offer any assistance or explore available options. I attempted to pursue a loan modification, but it was immediately denied without any consideration of my situation. It seems they made no effort to help me.

I understand that I am responsible for payments immediately following my XXXX. However, despite my repeated attempts to make payments, Vanderbilt has refused to accept anything less than the full amount due. During my XXXX, the trustee failed to make monthly payments to the mortgage company. I was unaware of this issue until Vanderbilt pursued me for the missed payments incurred during the XXXX  period, in addition to the payments that were currently due. 

This situation is unfair, especially considering that all my other creditors have accepted payments starting at the conclusion of the XXXX, without demanding payment for what was missed during the XXXX. I am unsure why XXXX is being so difficult and unwilling to work with me to bring my account current. I have requested that the payments missed during XXXX be added to the end of the loan or that the amount be dispersed over several months to allow me to catch up. I even offered to pay a higher mortgage amount to catch up, but XXXX denied that option as well. 

As a lender, XXXX is proving to be uncooperative, demonstrating poor communication and exhibiting rudeness when contacted. I need assistance in ensuring that this company adheres to XXXX XXXX statutes of law and offers customers fair loan modification options. It is disheartening to see that my experience is not unique, as evidenced by the numerous complaints filed against them with the XXXX XXXX XXXX detailing similar issues, poor treatment, and the imposition of outrageous fees through their legal department. 

Furthermore, Vanderbilt has reported an inaccurate amount to the credit bureau, claiming that I owe {$140000.00}, while the payoff letter they sent me, which I did not request, states a payoff amount of {$120000.00}. This discrepancy needs to be addressed immediately. 

I urge you to investigate Vanderbilt 's practices and ensure they adhere to all applicable laws and treat their customers with fairness and respect. 

I will attach the letter Vanderbilt sent me of all the missed payments and I will attach the information the trustee told me to go to retrieve payments. ( XXXX XXXX XXXX XXXX XXXX XXXX ) and the discrepancies of what Vanderbilt has said and the payments they have received.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: KLS Financial Services, Inc
State: VA

Complaint narrative:
This company reported a collection on my XXXX credit report on XX/XX/year>. By law they have XXXX days to notify me through mail. I did not receive anything from them. Upon my records, I saw that there was an incoming letter from KLS financial on XX/XX/year>. The letter did not have any information about the debt nor did it have any validations of such debt, but the damage was already done because they had already reported it to my credit report without giving me the right to dispute and or pay before they damaged my credit. I filed a dispute but it was closed but upon further investigation, I found the proof that I needed. They said that they sent me something on XX/XX/XXXX. That is a lie. It wasnt until XX/XX/year>. I also called this company for a resolution as far as a paper delete the company offered me a removal if I pay the debt saying that it was going to fall off my credit report in XXXX months that was also a lie. XXXX told me that it would stay on my credit report for another XXXX years this company is taking advantage of the credit bureaus as well as consumers.

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 2025-03-26 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: TX

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2025-03-26 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: IL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation