vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: GuardHill Financial LLC
State: NY

Complaint narrative:
On XX/XX/XXXX, I signed a mortgage loan agreement with Guardhill Financial LLC which specified that there is no prepayment penalty and that I am able to repay the loan at any point in time throughout its maturity. Upon signing the loan, I told Guardhill that I would like to repay the loan immediately ( i.e. the next day ). Guardhill, however, refused to give me their account information, preventing me from repaying a loan that I was able and willing to pay off as of XX/XX/XXXX. 

After several verbal and written requests, on XX/XX/XXXX, Guardhill provided me : XXXX ) A notice that loan has been transferred to Select Portfolio Servicing, and that they will be the servicer of my loan effecting XX/XX/XXXX XXXX ) A notice that Guardhill will remain the servicer of my loan until XX/XX/XXXX XXXX ) Guardhill 's account information for paying the first installment of the loan, due XX/XX/XXXX Upon receipt of this information, I wired the full amount of the loan to Guardhill 's account, given that I had several times, in writing, notified that I want to repay the loan in full, and given the fact that they are the servicer of the loan until XX/XX/XXXX. I sent an email detailing this information to Guardhill on XX/XX/XXXX ( see attached ). 

Guardhill, however, returned my wire on XX/XX/XXXX. 

On XX/XX/XXXX, XXXX XXXX XXXX XXXX notified me that they have received the loan, and have promised to provide me repayment information by XX/XX/XXXX. 

I would like to file a complaint against Guardhill Financial LLC for the reasons below : XXXX ) The lender refrained from providing my loan repayment information, despite it being my right to repay the loan per our loan agreement, and per my repeated requests sharing that I am able and willing to repay my loan as of XX/XX/XXXX XXXX ) The lender returned my wire for the full loan amount on XX/XX/XXXX, despite them being ( according to their own notice ) the servicer of the loan until XX/XX/XXXX XXXX ) The lender charging me interest from XX/XX/XXXX - XX/XX/XXXX for a loan I did not need, despite my repeated requests for information to repay the loan XXXX ) The lender selling my loan to another lender, despite knowing my desire to repay the loan, further delaying my ability to repay the loan, and further imposing interest payment on me for a loan that I do not want and do not need

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-12 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:
To whom it may concern, I am writing to bring to your attention serious concerns regarding my credit report and the actions of Equifax. I requested to have this information to be blocked. My personal information was exposed in Equifax data breach, and as a result, I became a victim of identity theft. I have submitted all required documentation to Equifax and requested a thorough investigation into the fraudulent activity in my credit file. However, Equifax has consistently failed to conduct a proper investigation and turn it into a regular dispute, instead of a block as requested, causing the situation to worsen. This troubling action suggests that Equifax is merely making rapid updates to my credit report, rather than conducting a proper inquiry or ensuring that the reported information is legitimate.

Under Section 605B of the Fair Credit Reporting Act ( FCRA ), Equifax is required to conduct a thorough and accurate investigation into any fraudulent information on a consumers credit report. The deletion and subsequent reappearance of these itemswithout any new investigationindicates that Equifax is not fulfilling this legal obligation. This failure to properly address the fraudulent activity continues to negatively impact my credit score and my financial well-being.

Thank you for your attention to this urgent matter. I look forward to your assistance in resolving this issue. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Collection agency name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account number : XXXX Your NAME : XXXX XXXX XXXX Your address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Dear NATIONAL CREDIT SYSTEMS, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other XXXX I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC
State: MO

Complaint narrative:
The company at Lexington Law XXXX said they would improve my credit and my credit never improved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: TrueAccord Corp.
State: UT

Complaint narrative:
I owed XXXX  a debt. I paid XXXX  the debt. I told this guy to stop but he insists I didn't pay the debt. I unsubscribed from the emails and he emails me daily now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: TX

Complaint narrative:
XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.2. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX BANK XXXX XXXX XXXX inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: TX

Complaint narrative:
XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  XXXX XXXX XXXX inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from 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 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I did not authorize this account to be open with XXXX wireless neither do I have knowledge of it its fraudulent account thats need to be removed

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 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I did not authorize this account to be open with XXXX wireless neither do I have knowledge of it its fraudulent account thats need to be removed

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 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: PA

Complaint narrative:
I am filing a formal dispute against XXXX regarding incorrect information on my credit report, which has caused a significant decrease in my XXXX XXXX. After obtaining my latest credit report in XX/XX/XXXX, I noticed that my XXXX XXXX had dropped from XXXX to XXXX. XXXX reported that this decrease was due to XXXX past-due payments on a student loan taken out by my brother through Discover Bank XXXX for which I am a cosigner. 

Upon reviewing the details of the report, I discovered that additional months were incorrectly marked as late, despite timely payments being made to XXXX XXXX, the new loan servicer. Specifically : XXXX. The student loan was transferred from Discover to XXXX XXXX on XX/XX/XXXX. 
XXXX. Payments for the months marked as late were made on time to XXXX XXXX. 

Timeline of Actions Taken : XX/XX/XXXX : I filed a dispute with XXXX ( Report Number XXXX ). Unfortunately, the dispute outcome did not correct the inaccuracies. 
XX/XX/XXXX : I opened a second dispute with XXXX ( Report XXXX XXXX ), which also resulted in the same errors being reported. 
Frustrated by the lack of resolution, I contacted XXXX XXXX to clarify the accounts status. XXXX XXXX confirmed : They had not yet updated the credit bureaus. 
My brothers account was current, with no late payments. 
They recommended that I contact Discover, as XXXX does not have access to the payment history from Discover Bank. 
XX/XX/XXXX ( XXXX XXXX  ) : I contacted Discover Bank and explained the situation. They opened an investigation, assured me they would notify the credit bureaus of the corrected payment history, and would send me a letter confirming their findings. 
XX/XX/XXXX : I received a letter from Discover Bank stating they had contacted the credit bureaus to ensure the payment history reflected the correct information. 

Despite these efforts, when I received my new XXXX credit report on XX/XX/XXXX, the same errors persisted. The report still shows XX/XX/XXXX as a late payment, even though the payment was made on time to XXXX XXXX. As a result, my XXXX XXXX remains unfairly low.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Pro Com Services of Illinois, Inc.
State: IL

Complaint narrative:
I sent a certified letter in XX/XX/XXXX requesting validation that the debt they are attempting to collect belongs to me due to prior being sent to collections for debts that were determined to belong to someone else, billing me for the balance of debt after insurance ( whose company I've never been covered by ) paid their portion. 

XXXX XXXX responded by sending proof that they purchased a debt, not naming who the original debt belonged to, nor showing my name anywhere. I didn't hear from them for quite awhile. When I was contacted again, I again sent a certified letter requesting verification and requesting them to contact me via XXXX mail. The signature on the return receipt was XXXX XXXX, dated XX/XX/XXXX. I have yet to receive validation the debit belongs to me and they have contacted me via telephone on XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX from XXXX from XXXX, XXXX or XXXX. I was contacted via telephone XX/XX/XXXX from XXXX by XXXX. 

I simply want verification that the original debt belongs to me, so that I can settle the debt if so.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: FL

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain 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 2025-01-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
Dear CFPB, I am writing to formally dispute the inaccurate information reported on my credit report by XXXX. Below are the details of the disputed accounts, including screenshots of the credit report entries for your review : XXXX. XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX 
Balance : {$XXXX} Status : XXXX Account XXXX. XXXX XXXX XXXX Original Creditor : XXXX XXXX Balance : {$XXXX} Status : Collection Account XXXX. XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX. 
Balance : {$XXXX} Status : XXXX Account I believe the information reported is inaccurate. I was recently made aware of my involvement in the ongoing XXXX data breach and lawsuit. Given this, I suspect these accounts were improperly reported or associated with fraudulent activity tied to that breach. I did not authorize or open these accounts. 

I am requesting a thorough investigation into the accuracy of these accounts, as well as the removal of any false information. I have attached documentation of these accounts from my XXXX credit report for your review. Additionally, I would appreciate being notified of the steps you will take to address this matter and ensure the information on my credit report is accurate. 

Please provide confirmation of the receipt of this dispute and keep me informed throughout the investigation process. 

Thank you for your attention to this matter. If you require further information, do not hesitate to contact me at the phone number or email address provided above. 

Sincerely

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
I am writing to follow up on previous disputes regarding inaccuracies on my credit report. The discrepancies between the accounts reported by your bureau and the other credit reporting agencies further substantiate my claim that these accounts are inaccurate, invalid, and unverifiable. Additionally, I never signed any agreement with the listed collection agencies, making their reporting unauthorized and harmful to my creditworthiness. You are obligated under the Fair Credit Reporting Act ( FCRA ) to report accurate and verifiable information only.

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 2025-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Received an offer from capital one. 
Offer per mail. Put in my information to see what I qualify for. 
Then I am automatically approved for a card without asking if I want it. Was just seeing what I qualify for. 
I received the card. I activated it. XXXX dollar credit limit. Now I download the app. Old phone number is required. I do not have it. New phone number, new number. Capital One wants my Face ID for verification. Send me an email. It is the same email you keep sending me promotional emails.

Cant get a customer service representative that I can fully understand their XXXX. Want to close account if I cant have access to the app.

Problem is my credit score will be affected. Not fair. All this from them capital one sending me a card when all I wanted to do is check to see what I qualify for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
Collection agency name : SOUTHWEST CREDIT SYSTEMS Address : XXXX XXXX XXXX XXXX, Tx XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Your NAME : XXXX XXXX XXXX Your address : XXXX XXXX XXXX XXXX, TX XXXX Dear XXXX XXXX XXXX, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matte

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have verified that my credit reports are accurate and up to date. However, the significant differences between my credit scores are causing me harm, particularly when lenders rely on the lower score to make decisions. I believe this is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), as the credit reporting agencies are responsible for ensuring the accuracy and consistency of their data.

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 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have verified that my credit reports are accurate and up to date. However, the significant differences between my credit scores are causing me harm, particularly when lenders rely on the lower score to make decisions. I believe this is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), as the credit reporting agencies are responsible for ensuring the accuracy and consistency of their data.

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