vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, Texas XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern : I was reviewing my credit report and found several addresses that appear to be incorrect. I have attached documentation providing proof of my current address, as indicated on your website. 

To facilitate the removal process, here is a list of incorrect addresses I currently see in my report ( which I would like to be removed ) : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA There should only be one address in my report, which is : XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, Texas XXXX. 

I also noticed that my name appears to be misspelled on my credit report. My name has only one correct spelling and there should be no variations listed because my name does not have any variations. I have attached my photo ID to show the correct spelling. 

Once again, to facilitate the removal process, here are the incorrect spellings I see in the list : XXXX XXXX XXXX XXXX XXXX XXXX Additionally, I request the removal of the incorrect employers listed below : XXXX XXXX XXXX XXXX XXXX XXXX The only job I need listed is : Route Delivery, XXXX XXXX XXXXXXXX XXXX XXXX I kindly request that you delete this negative account as I am facing difficulties in ensuring my report is clean in the best possible way in order to continue with my legal process. 

Once the incorrect names, addresses, and employers have been removed from my credit report, please send me a copy of my updated credit report. 

Thank you for your attention and assistance in resolving this matter promptly. 

Sincerely, XXXX XXXX XXXX XXXX XXXX : Photo ID Proof of current address

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, Texas XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern : I was reviewing my credit report and found several addresses that appear to be incorrect. I have attached documentation providing proof of my current address, as indicated on your website.

To facilitate the removal process, here is a list of incorrect addresses I currently see in my report ( which I would like to be removed ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA There should only be XXXX address in my report, which is : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, Texas XXXX. 

I also noticed that my name appears to be misspelled on my credit report. My name has only one correct spelling and there should be no variations listed because my name does not have any variations. I have attached my photo ID to show the correct spelling. 

Once again, to facilitate the removal process, here are the incorrect spellings I see in the list : XXXX XXXX XXXX XXXX XXXX XXXX Additionally, I request the removal of the incorrect employers listed below : XXXX XXXX XXXX XXXX XXXX XXXX  The only job I need listed is : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX I kindly request that you delete this negative account as I am facing difficulties in ensuring my report is clean in the best possible way in order to continue with my legal process. 

Once the incorrect names, addresses, and employers have been removed from my credit report, please send me a copy of my updated credit report. 

Thank you for your attention and assistance in resolving this matter promptly. 

Sincerely, XXXX XXXX XXXX XXXX XXXX : Photo ID Proof of current address

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Affirm Holdings, Inc
State: MI

Complaint narrative:
XXXX XXXX XXXX apparently took over my debt owed the XXXX through XXXX. I am currently enrolled in a debt consolidation program due to financial hardship/unforeseeable life circumstances. The collection agency has been harassing my family member ( s ) and providing privileged information to them about a debt i owe. According to Fair Debt Collection Practices Act ( FDCPA ), the collection agency violated several rights of mine. They texted/called my father multiple times in a harassing manner, they identified themselves as a debt collector and they disclosed personal details of my debt to my family members. 

I have several screenshots proving this violation of my rights and the harassment of my family. The most recent harassment/violation occurred today XX/XX/year> at XXXX XXXX. I contacted the company themselves and told them that they violated my rights and that i would press harassment charges if they continue to harass my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Mortgage — VA 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: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
Hello, Im searching for someone to help me with my current situation because I dont know what to do, my father passed two years ago and i lived with him I lost my job In the process once he passed and im now asking for assistance with the mortgage company such as a loss mitigation application to see how will they help bring loan current but long story short my application was denied this has been the third denial with different denial reasons, because my dad name is on the deed and I will need to assume the loan I was told it had to be removed Im confused because I have affidavit of estate filed with XXXX XXXX also when I search the tax appraisal website my name is there as owner, also I been calling the company back to back for someone to explain to me what is assuming the loan mean and will this help me 1 to stop foreclosure and to be approved for some type of repayment, this is a life or death moment for me I been dealing with for over a year and hast gotten no by a denied denied denied please help I head about the XXXX program and ask them about and they told me the never heard of so o can see maybe I qualify for that

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 2025-01-09 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
The company provided an invoice that has an incorrect amount owed. 

The invoice has fees that were marked out and a new balance calculated but the calculations are incomplete. 
There is an additional {$350.00} that should be deducted from the {$910.00}. 

PER THE INVOICE PROVIDED BY CREDITOR : Original Balance at move-out : XXXX Applied Deposit : XXXX Total account balance due : XXXX The invoice was updated to exclude some amounts which were crossed out. 
New balance at XXXX Applied XXXX XXXX account balance due : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: MO

Complaint narrative:
I originally opened my account with XXXX XXXX XXXX XX/XX/XXXX, in XXXX of XXXX, I noticed there was some fraudulent activity on my account, a previous cancellation subscription came in without my knowledge or permission. XXXX XXXX XXXX closed that account and opened me a new account in XX/XX/XXXX due to that activity. XXXX XXXX said they would correct the charge off status on the account and havent done so. I called XXXX on XX/XX/XXXX and the representative verified that she see in the system that this should be updated on my credit file. This account is reporting as a charge off and it is hurting my 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 2025-01-09 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: CA

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Late Payment XXXX XXXX XXXX  - XXXX - {$36000.00} XXXX XXXX XXXX XXXXXXXX XXXX {$3300.00} XXXX XXXX XXXX XXXXXXXX - {$3900.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Personal Information Also Known As : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Previous Address ( XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Employers XXXX XXXX XXXX XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, Employers : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: AL

Complaint narrative:
Kindly remove these fraudulent accounts from my credit report, as I did not authorize their creation and was not aware of their presence. Under USC 1681g, I request their removal within 15 days. Supporting documents are attached.

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 2025-01-10 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: AL

Complaint narrative:
Kindly remove these fraudulent accounts from my credit report, as I did not authorize their creation and was not aware of their presence. Under USC 1681g, I request their removal within 15 days. Supporting documents are attached.

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 2025-01-09 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc.
State: CO

Complaint narrative:
I bought a Vanilla gift card from XXXX. I sent the gift card to my mother, and she lost it. I called to get a replacement card on XX/XX/year>. 

The representative said to send them a verification of address document, a copy of my ID and my store receipt, and I did. 

Since then, I've been calling back, and they have been asking for additional documents, and also claiming they have not received the documents I send them. They asked for a color copy of the ID - I sent it. They asked for another bill that has my address- I sent them two different bank statements now. I keep sending, everything exactly as they ask. I get confirmations that my emails have been received. Each time I hear nothing back, and when I call- they tell me that what I sent is either not enough, or they need it sent again, or that I need to keep waiting. It's been a month and a half of this already, with no resolution in sight. 

I'd like a refund. 
My case number with Vanilla / Incomm : XXXX I am attaching all documents I have sent them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: EQUIFAX, INC.

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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:
Dear CFPB Representatives, I am submitting this formal complaint to request immediate enforcement action against the major credit bureaus ( Experian, XXXX, and XXXX ) and the creditors associated with the fraudulent and inaccurate accounts reported on my credit file. These violations of my rights under federal and state laws require your urgent attention and intervention. 

Details of Violations 1. Fraudulent Accounts and Reporting Errors The following accounts have been reported without my consent or knowledge and contain multiple discrepancies in violation of the Fair Credit Reporting Act ( FCRA ) : XXXX XXXX XXXX ( Account No. XXXX ) Discrepancies : Charged-off account with discrepancies in payment status, open dates, and lack of proper notification. 

Violations : FCRA 607 ( b ), 611 ( a ), 15 U.S.C. 1692g. 

XXXX XXXX ( Account XXXX. XXXX ) Discrepancies : Collection account with balance discrepancies and lack of validation. 

Violations : FCRA 607 ( b ), 611 ( a ), 15 U.S.C. 1692g. 

XXXX XXXX XXXX ( Account XXXX. XXXX ) Discrepancies : High credit amount variations and conflicting open dates. 

Violations : FCRA 607 ( b ), 611 ( a ). 

XXXX XXXX ( Account XXXX. XXXX ) Discrepancies : Monthly payment inconsistencies and lack of proper validation. 

Violations : FCRA 607 ( b ), 611 ( a ). 

XXXX  XXXX Bankruptcy Discrepancies : Erroneously reported bankruptcy filings that I never submitted. 

Violations : FCRA 607 ( b ), 15 U.S.C. 1692g.

2. Unauthorized Credit Inquiries Unauthorized credit inquiries include : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiries were made without my knowledge or consent and violate the FCRA and Identity Theft laws. 

XXXX. Incorrect Names and Addresses My credit report contains fraudulent and inaccurate personal information, including : Incorrect names : XXXX XXXX XXXX, XXXX XXXX XXXX. 

Incorrect addresses : XXXX XXXX XXXX, XXXX, TN XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX, FL XXXX, XXXX XXXX XXXX XXXX, XXXX, TN XXXX. 

XXXX. Failure to Protect Personal Information The credit bureaus and creditors failed to protect my personal information, allowing fraudulent accounts to be opened and reported without adequate safeguards, violating the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801-6809 ). 

Requested Actions I respectfully request that the CFPB : Enforce Immediate Removal and Blocking of Fraudulent Accounts and Inquiries thanks,

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 2025-01-09 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: SC

Complaint narrative:
My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history 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 to be 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!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to formally dispute inaccurate information that appears on my credit report. Upon reviewing my report, I have identified multiple errors, discrepancies, and unfamiliar accounts. The volume of negative items reported against my credit speaks to the inaccuracy of the information being provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to formally dispute inaccurate information that appears on my credit report. Upon reviewing my report, I have identified multiple errors, discrepancies, and unfamiliar accounts. The volume of negative items reported against my credit speaks to the inaccuracy of the information being provided.

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 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I XXXX XXXX is writing to file a formal complaint against Equifax for their failure to address a dispute I filed regarding fraudulent items on my consumer credit report, which resulted from a data breach exposing my personal information. I believe XXXX actions violate the Fair Credit Reporting Act ( FCRA ) and have caused me significant harm. 
On XX/XX/year>, I filed a dispute with Equifax regarding fraudulent items on my credit report. These fraudulent entries are the result of my personal information being exposed in a data breach. Equifax acknowledged receipt of my dispute but has failed to proceed with removing the identified fraudulent items within the time frame required by the FCRA. As of today, these inaccuracies remain on my credit report, despite my providing sufficient evidence of the fraudulent nature of these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
RE : Acct : XXXX Amount Written off : {$2500.00} Request for Deletion of Account from Credit Report Dear Capital One, I am writing to address an issue regarding my credit report. It has come to my attention that my account with you, which was previously written off by your company for tax purposes, is still being reported as having an outstanding balance. As per my records, this account was written off, and I did not receive a 1099 form reflecting this write-off. I believe that this erroneous reporting is negatively impacting my credit score and overall financial health. In accordance with the Fair Credit Reporting Act, I kindly request that you investigate this matter and delete the account from my credit report within 15 days. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: MO

Complaint narrative:
XXXX has me listed as paid on time from XX/XX/XXXX thru XX/XX/XXXX but then lists me as 90 days late for XX/XX/XXXX and 120 days late for XX/XX/XXXX. This timeframe was listed as a forbearance and XXXX stated in XX/XX/XXXX my credit report would be corrected but never was. I submitted a dispute letter to TransUnion, XXXX and XXXX in XX/XX/XXXX with no response and again in XX/XX/XXXX with no response or correction to the my credit report. I even included a copy of my XX/XX/XXXX credit report to all three agencies. 

I received notice last month that XXXX is no longer allowed to handle student loans due to a law suite . This error has negatively impacted me for over a year and is still impacting my ability to acquire fair credit. 

XXXX, TransUnion, XXXX and XXXX failed to what was required of them by 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