vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-18 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 reviewing my credit report and found some errors relating to my payment history on some accounts. The credit reporting agencies have the responsibility to report accurate information. I have never been late on ( XXXX XXXX XXXX, XXXX ), XXXX XXXX XXXX XXXX, XXXX ). Please remove these errors and the late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: FL

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

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

I demand the late payment reported to be removed/updated. 

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

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 2025-03-18 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: GA

Complaint narrative:
To whom this may concern, this is a complaint against Equifax & Experian Credit Bureau for breach of privacy and violating my rights to protect my SSN/personal information and credit report as a consumer. I discovered my information was stolen in the Equifax XXXX XXXX. I started to discover fraudulent accounts on my credit report and filed a police report. I am still seeing fraudulent accounts on my credit report. Those accounts are ; XXXX XXXX XXXX XXXX XXXX, Balance {$11000.00}. XXXX XXXX XXXX, XXXX {$54000.00}. XXXX XXXX XXXX XXXX XXXX  {$1300.00}, XX/XX/2024. XXXX XXXX {$0.00}. XXXX XXXX XXXX {$2300.00}. XXXX XXXX {$2600.00} XXXX XXXX {$5600.00}. XXXX XXXX XXXX XXXX {$33000.00} XXXX XXXX XXXX XXXX XXXX {$20000.00} ( THESE XXXX XXXX ACCOUNTS APPEAR TO BE DUPLICATES AS THEY BOTH END IN ACCOUNT NUMBER 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 2025-03-18 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2025-03-18 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: FL

Complaint narrative:
All of my student loans were paid and removed XXXX of XXXX, All 3 of my credit reports were updated. In the last few weeks I have noticed that one of my student loans first appeared on my XXXX report and today I noticed the same loan on my XXXX report. I immediately called Mohela and studentaid.gov to verify my balances and both show a XXXX balance. I submitted disputes with both XXXX and XXXX again to have them removed. When I looked online, a lot of other people are encountering the exact same issue and it was recommended to submit a complaint here for a speedy resolution as I am in the middle of buying a house and this has impacted my debt ratio. I can work around it but i would like to know my true credit scores. 

Please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: LEXISNEXIS
State: FL

Complaint narrative:
I am filing this complaint against LexisNexis Risk Solutions for failure to remove inaccurate telephone numbers from my consumer report, in violation of FCRA 1681i ( a ) ( 5 ). 

I disputed multiple incorrect phone numbers via certified mail and requested their immediate removal as they do not belong to me and are inaccurately associated with my identity. 

Despite my disputes, LexisNexis has failed to remove these inaccurate telephone numbers from my consumer file. The only valid and accurate phone number associated with me is : XXXX ( The only correct phone number I have ever used or authorized to be linked to my consumer file. ) FCRA Violations Committed by LexisNexis : Failure to Ensure Maximum Possible Accuracy ( FCRA 1681e ( b ) ) LexisNexis continues to report incorrect telephone numbers without verifying their legitimacy. 
Failure

to Conduct a Meaningful Reinvestigation ( FCRA 1681i ( a ) ( 1 ) ) LexisNexis failed to properly investigate my disputes and remove incorrect phone numbers. Failure to Delete Unverifiable Information ( FCRA 1681i ( a ) ( 5 ) )
Despite my disputes, incorrect phone numbers remain on my file.

Consumer Harm The presence of inaccurate phone numbers can result in misidentification, missed important communications, and increased risk of fraud or identity theft. 
Timeline of Disputes : XX/XX/year> Sent a certified dispute letter to LexisNexis ( Tracking # : XXXX ) regarding inaccurate telephone numbers. 
XX/XX/year> Sent a final legal demand letter ( Tracking # : XXXX ) demanding immediate removal of unverifiable phone numbers. 
XX/XX/year> Received a consumer disclosure report from LexisNexis, which still contains inaccurate phone numbers. 
XX/XX/year> I am submitting this complaint to the CFPB due to LexisNexis ' failure to comply with federal law. 
Relief Requested :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: Upstart Holdings, Inc.
State: CA

Complaint narrative:
I have formally reported an error regarding incorrect information sent by the credit bureau through my email. I am disputing a mistake on my credit card statement and requested an investigation, but the company has failed to act. I expect immediate attention to resolve this matter. Furthermore, I request a confirmation receipt to ensure I am kept informed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Purchased a XXXX XXXX XXXX ( XXXX XXXX and XXXX XXXX  ) on XX/XX/XXXX, and financed through XXXX XXXX aka J.P. Morgan Chase. XXXX XXXX went bankrupt in XX/XX/XXXX. Prior to declaration, request arbitration to pursue lemon law and breach of purchase agreement, with arbitration scheduled for XX/XX/XXXX, which was cancelled as a result of impending XXXX XXXX bankruptcy. In XX/XX/XXXX, requested assistance through XXXX XXXX XXXX XXXX, in pursuit of arbitration under the FTC Holder in Due Course Rule against Chase Bank and XXXX XXXX. 

After 6 months of waiting, Chase sends an offer for settlement which classified the XXXX XXXX XXXX as the lowest priced model, even though the vehicle was the highest priced, and represented the largest breach of contract. Under the Holder in Due Course rule, XXXX XXXX can be held liable for damages caused by the seller of the vehicle. While XXXX XXXX XXXX 's were provided a settlement offer in excess of {$55000.00}, I was only provided an offer of {$36000.00}. The XXXX  and the XXXX XXXX are the exact same trims, while the XXXX XXXX carried additional incentives which were never received - new set of tires, free XXXX  replacement, free vehicle connectivity for 10 years, XXXX updates promised before any other XXXX owners, etc. The warranty is gone, it doesn't exist. Recalls have not been conducted as required by XXXX recall notices, and Chase Bank has devalued the vehicle and provided a settlement offer that is in blatant disregard for vehicle value. Moreover, I was assured by XXXX XXXX that Arbitrations would be filed in XX/XX/XXXX, but it wasn't filed. Instead XXXX XXXX received a offer that only benefited Chase, and was not in tune with the FTC Holder in Due Course, or the nature of my requested remedy. Chase and XXXX XXXX were partners in providing loans and the vehicles, and breached the contract and purchase agreements in too many ways to list.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
collections with comenity bank, XXXX XXXX XXXX, and im going through a forclosure for a timeshare i never used

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc.
State: SD

Complaint narrative:
Morgage company is Lakeview, subserviced by MR. Cooper. I have an open insurance claim on my house. while having this claim another company bought out my loan. they first drained my escrow account and paid the wrong insurance company which led me to get back that money from the insurance company they paid. I called them to resolve this issue and they told me it is on me to fix it and would admit no mistake done on their part. 

The main and current issue is that they have held the insurance money and will not release the money after the work has already been done. they have also cancelled inspections and I have also requested for the release of money. I have provided documentation stating the work has been done as well as invoices from the contractor. they have held the money even after I asked the money to be directly released to the contractor for services rendered. I am now being charged interest on the work that has been done because the mortgage company is not releasing funds nor are they attempting to work with the contractor or accepting the documentation I have provided. this is over XXXX dollars in damages. they are holding up progress at this point to fix the property. this includes my heating and cooling bills to be higher than normal as XXXX windows are cracked, damaged or broken. I can not move forward in this until they release funds to get this fixed. As stated, I may now also be liable for interest accrued from contractor at this point also. the claim has been open for almost 2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-03-18 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: IN

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 2025-03-18 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: IL

Complaint narrative:
I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-18 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:
I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-03-18 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: CBC Companies, Inc.
State: PA

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This letter serves as my follow-up regarding the disputed accounts on my credit report, which remain unresolved. I previously submitted a request for reinvestigation, but I have yet to receive a satisfactory response. I am again requesting that you provide the source of this information and the specific methods used to validate its accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This letter serves as my follow-up regarding the disputed accounts on my credit report, which remain unresolved. I previously submitted a request for reinvestigation, but I have yet to receive a satisfactory response. I am again requesting that you provide the source of this information and the specific methods used to validate its accuracy.

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 2025-03-18 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( 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 2025-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To Whom It May Concern, I am writing regarding the account referenced under my name with an outstanding balance of {$770.00} as reported on XX/XX/year>. This letter serves as a formal notice under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ) to demand that XXXX XXXX XXXX immediately cease and desist all communication and collection activities concerning this debt. 

Under the FDCPA, once a consumer notifies a debt collector in writing to stop communication, the collector must cease all further contact, except to confirm receipt of this notice or to advise that specific legal action may be taken. Therefore, I request that you : 1.Cease all phone calls, emails, letters, and any other forms of communication regarding this account. 
2.Refrain from contacting me directly or indirectly, including through third parties, regarding this matter. 
3.Provide written confirmation that this matter is closed and that no further communication or action will be taken. 

Please note that failure to comply with this request may result in legal action being taken against your company for violations of the FDCPA. 

Thank you for your prompt attention to this matter. Please direct any future correspondence to the address listed above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( 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 non-monetary relief
Consumer complaint received 2025-03-18 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 non-monetary relief