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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XX/XX/XXXX XXXX, XX/XX/XXXXXXXX, XX/XX/XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: MD

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
Consumer complaint received 2025-03-25 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: FL

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 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: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Freedom Mortgage Company
State: AL

Complaint narrative:
Subject : Urgent Assistance Needed Regarding Mortgage Forbearance & Credit Reporting Dear Consumer Finance, On XX/XX/year>, I contacted Freedom Mortgage to request assistance with my mortgage payments due to the financial strain caused by my credit card debt. I was informed that I would receive communication regarding the approval of a forbearance plan. 

After not receiving any updates by mail, email, or phone, I followed up with Freedom Mortgage on XX/XX/year>, and again on XX/XX/year>. Both times, I was assured by representativesafter they checked their systemthat my request was still being processed, no action was required from me, and that I did not need to make a payment during this time. Additionally, I mentioned that my online account did not display a payment due or any delinquency. The representative confirmed that this was because no payment was required at that moment. 

On XX/XX/year>, after still receiving no direct communication, I received a letter from the Department of Veterans Affairs stating that my mortgage had been reported as delinquent. I immediately called both the VA and Freedom Mortgage. A Freedom Mortgage representative then informed me that I had been approved for forbearance, but I needed to accept and approve it by XX/XX/year>. However, I had never received any emails, letters, or phone calls notifying me of this requirement. Instead, I was told that the notification was placed in the " Documents '' section of my Freedom Mortgage online accountsomething I was unaware even existed. 

Furthermore, I was informed that on XX/XX/year>, Freedom Mortgage reported a two-month mortgage delinquency ( for XXXX and XX/XX/year> ) to the credit bureaus, totaling {$3100.00}. This directly contradicts what I was told during my XX/XX/year>, call, where I was assured there were no issues. 

When I raised these concerns on XX/XX/year>, I was informed that nothing could be done to retract the inaccurate delinquency report. This has placed me in an extremely difficult financial position. I now owe over {$4000.00} in mortgage payments and have an unfair and illegitimate delinquency report on my credit record. 

As a veteran, I reached out to Freedom Mortgage for assistance, but instead of receiving help, I have been placed in an even worse financial situation due to misinformation and lack of communication. I respectfully request immediate assistance in resolving this matter, including a correction to my credit report. 

Any help you can provide would be greatly appreciated. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX XXXX XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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:
Upon scrutinizing my credit report, I am troubled to find a late payment notation, despite having no instances of late payments.

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: EQUIFAX, INC.
State: TX

Complaint narrative:
Upon scrutinizing my credit report, I am troubled to find a late payment notation, despite having no instances of late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: NY

Complaint narrative:
My credit report shows late payments that arent accurate. A billing and reporting error from my bank has unfairly damaged my credit. Under TILA ( 15 U.S. Code 1666 ( b ) ), creditors must report payments accurately, yet a payment I made was not properly recorded, leading to an incorrect late mark on my report. Additionally, I was not given the required 21-day notice before the payment was due, making the late mark invalid. Ive asked the credit bureaus to provide proof of these late payments, but they havent given me any real documentation to back up the claim. Because of this, the incorrect information is still on my report, which is hurting my credit score.

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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I am writing to formally address the overdue payment on your account, which has remained outstanding despite repeated reminders and prior communication. 
It is now well beyond the agreed-upon deadline, and this delay is causing significant disruption to our business operations. This failure to meet your financial obligations is not only disappointing but also a violation of the terms laid out in our agreement. 

Account XXXX : XXXX Account XXXX : XXXX " Please remove the late payment history and remarks form this account. '' Let me make this clear : immediate payment is required. Failure to remit the full amount within [ XXXX  ] business days from the date of this letter will result in [ insert consequences, e.g., late fees, interest charges, legal action, termination of service, etc. ].

We have made every effort to resolve this matter amicably, but we will not hesitate to take more aggressive steps if necessary. At this stage, legal action may be pursued if payment is not received promptly. This includes but is not limited to, filing for collection or pursuing the matter through the courts.

This is your final warning to make good on your debt. We expect payment immediately, without further delay.

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: PA

Complaint narrative:
My account with XXXX XXXX XXXX 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 in to be removed. 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. XXXX 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! Delete the late payments from my consumer reports

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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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: IL

Complaint narrative:
Please take action to remove the unauthorized accounts from my credit report as soon as possible. I did not initiate or authorize them and do not recognize their origins. As per USC 1681g, I am requesting their removal within 15 days. The necessary documents are attached for review. Furthermore, there are discrepancies in the account details, as different information is being reported to each bureau.

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 status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have a collection account that was originally opened and closed in 2018 with XXXXXXXX XXXX XXXX, which was later sold to XXXX XXXX XXXX. The account continues to be reported on my credit report as an active account by both Equifax and TransUnion, even though it was closed in 2018. According to the Fair Credit Reporting Act ( FCRA ), this account should no longer be reported as active and should have fallen off my credit report by now. The account is over 7 years old, and under Section 605 of the FCRA, it is no longer valid for reporting. 

Additionally, the address and dates reported by XXXX XXXX XXXX are incorrect. I have already disputed the information with XXXX, which resulted in the account being removed from my report. However, Equifax and TransUnion have failed to remove the account despite being provided with all necessary documentation. As per Section 1681i of the FCRA, the credit bureaus must correct or delete inaccurate information that can not be verified, and this account information is both inaccurate and unverifiable. 

I am requesting that Equifax and TransUnion immediately remove this incorrect XXXX XXXX XXXX account from my credit reports and correct the false address and incorrect dates associated with it. Failure to delete this account will result in further legal action, as it is a violation of the FCRA.

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: 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: FL

Complaint narrative:
On XX/XX/year> I sent a dispute letter to Equifax, Experian and Transunion to inform them of the incorrect information on my credit report. It has been more than 30 days and the inaccuracies have not been corrected. The following information is incorrect and needs to be updated or since it is longer than thirty days it needs to be deleted : US BKPT CT FL XXXX - XXXX - The filed/reported dates are inaccurate across the three bureaus, the discharge date is reporting inaccurately as well.

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 2025-03-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SOFI TECHNOLOGIES, INC.
State: VA

Complaint narrative:
I signed my student loan refinance agreement with SoFi on XX/XX/XXXX. Section F7 of my loan agreement contains the details of the Direct Deposit Discount. I fulfilled the requirements by opening up a Checking and Savings account within 30 days ( XX/XX/XXXX ) and should have received a 0.25 % discount in the months during which I made at least {$1000.00} of direct deposits ( which I did for 6 months in XXXX plus 3 months in XXXX so far ). I have not received this discount to date. On XX/XX/XXXX, an escalated ticket was submitted to research the situation. On XX/XX/XXXX I was informed that my promotion request has been denied for the following reason : " You can not use multiple profiles to qualify for a discount. This will remain denied. '' I emailed and called back on XX/XX/XXXX asking where it says in the eligibility requirements terms and conditions that I can not use multiple profiles to qualify for a discount. I have not received a response and believe that SoFi is currently in breach of their contract. Further, the reason I opened my bank account under a separate profile from my loan account was due to a SoFi technical system limitation. However, I was told by customer service multiple times ( including during the account creation process ) that because I'm the account holder on both profiles, it should not affect my eligibility. I was most recently told this on XX/XX/XXXX by XXXX XXXX ( employee # XXXX ) in the Loan Servicing department. I'm attaching the specific language from section F7 of my signed loan agreement that does not reference anything pertaining to account profiles.

Company response to consumer: Closed with 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: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I was charged double for rent for the month of XXXX, using my XXXX rewards credit card. One came out of my checking account, and the other was charged to my WF XXXX Credit Card. The total was {$1600.00}. 

After realizing this, I contact Wells Fargo / XXXX to receive a refund to one of the purchase sources, and they stated that they resolved the dispute and would refund the extra {$1600.00} to my XXXXXXXX XXXX checking account. They said it would take about 3-7 business days, and that came and went. After reaching back out, they could not tell me where the refund was sent, and Wells Fargo would send me to contact XXXX, who would then tell me to contact Wells Fargo. 

It was a back and forth for a few days, but ultimately nobody would tell me where the money was sent, and was not of any help. Due to this, I am out {$1600.00}, and XXXX and Wells Fargo refuse to be of any help.

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 2025-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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