vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-13 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My credit report contains incorrect personal information. I've included my documents to help you make the necessary updates.

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 2025-02-13 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( 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 2025-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Credit Karma, LLC
State: NY

Complaint narrative:
Credit Karma money spend stated my account was frozen since apparently there was an older one from 2019 that I never knew about. I had used them this year because of XXXX offering a faster direct deposit but they won't even let me access anything since then. I've called every single day being told my situation would be escalated by someone for over a month but I've still never heard back. I have around XXXX dollars in that account and they won't give it back to me and refuse to close an account I can't even access.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: LA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the fair credit reporting act to conduct a reasonable re-investigation of disputed information on my credit report, leaving in accurate or unverifiable accounts unresolved. The consumer federal protection bureau has recently filed a lawsuit against Experian, alleging, systematic issues such as failing to forward. Consumer provided evidence to companies, accepting unreliable response, responses, and failing to adequately, notify consumers of disputes outcome. These feeling align with my rights where experience has neither corrected or removed disputed items. Despite the evidence I provided causing ongoing harm to my credit standings. I am requesting immediate corrective actions to remove disputed accounts as experience in action, violates my federal laws and my rights as a consumer.

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 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I submitted a complaint to these Bureaus a month ago, yet the erroneous information on my report persists. I have not received any updates from the Bureaus, apart from your notification indicating that the company has addressed my complaint. How can I be assured that they have conducted a thorough investigation into the inaccuracies on my report? What procedures were utilized to verify the accounts? This entire situation is exceedingly frustrating. Over 30 days have passed since I lodged my complaint, and the disputed accounts remain unchanged. If this issue is not resolved, I will be compelled to pursue legal action due to the significant stress it has caused me. Additionally, I am worried about the security of my personal information, which has been compromised by the Equifax, Experian, and Transunion data breach.

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 2025-02-13 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 am deeply troubled by the presence of this late payment on my account, given my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: TX

Complaint narrative:
I made a payment on XX/XX/year>2024 through my bank bill pay that was sent to their previous address. When funds weren't applied, I contacted and was able to speak to someone who said they'd find it & apply. I have since followed up several times, via their system & trying to contact via phone, but can not get any responses or anyone to actually answer phone. I provided proof the payment to them, as requested, and still nothing. I sent {$140.00}, it shows processed by bank on XX/XX/year>2024, yet, still not applied to my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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 2025-02-13 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:
I have not supplied proof under the doctrine of estoppel by silence, 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 2025-02-13 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: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 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: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
Sure! A dispute letter for negligence ( likely referring to a legal or insurance matter ) should be clear, polite, and to the point. Below is a sample letter you can use, which you may adjust based on your specific situation : [ XXXX XXXX ] [ XXXX XXXX XXXX XXXX ct XXXX XXXX Subject : Dispute Regarding Negligence Reference, LVNV FUNDING LLC Dear [ XXXX XXXX ], I am writing to formally dispute the findings related to the incident referenced in the claim/file number [ insert number ] concerning the negligence matter dated ]. After reviewing the details of the case and the conclusion drawn, I believe that the decision was incorrect and that the negligence allegations against me are unfounded. 

[ Provide a brief description of the incident in question and how you believe negligence was not involved. You might include things like what steps you took to avoid the issue, any lack of evidence against you, or any mitigating circumstances. ] I request a full review of the facts and reconsideration of the determination. Attached are relevant documents that support my position, including [ list any documents such as photographs, reports, testimonies, etc. ]. I believe this evidence will demonstrate that the incident occurred due to [ explain reason or counter-claim, if applicable ]. 

If further information or clarification is needed to assist with the review, I am happy to provide it promptly. 

I respectfully ask that you reconsider the findings and amend any related claims. Please confirm receipt of this letter and inform me of any steps moving forward. 

Thank you for your attention to this matter. I look forward to resolving this dispute promptly and fairly. 

Sincerely, [ XXXX XXXX Enclosures : LVNV FUNDING LLC Ensure to include any supporting documents that might help strengthen your case. Adjust the tone or detail based on the recipient and the situation!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: NY

Complaint narrative:
I am deeply troubled by the presence of this late payment on my account, given my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account.

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 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within XXXX business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my 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 non-monetary relief
Consumer complaint received 2025-02-13 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: GA

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 2025-02-13 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: VA

Complaint narrative:
I am writing to formally dispute inaccurate information appearing on my credit report, as reported by [ creditors name ]. This inaccurate information has negatively impacted my credit standing and violates the Fair Credit Reporting Act ( FCRA ). 

According to 15 U.S. Code 1681o, consumer reporting agencies and furnishers of credit information are liable for negligently failing to comply with FCRA requirements.

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 2025-02-13 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 am listing 2 accounts fraudulent from my Experian, Transunion and Equifax Credit Report. XXXX XXXX XX/XX/year>. XXXX XXXX. Listed accounts do not belong to me and must be removed from all of my 3 bureaus. I had a call with the company and the credit reporting agency advised me to fi le an identity theft report for deletion. I am requesting Experian, Transunion and Equifax to mark these accounts as fraudulent and remove 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 non-monetary relief
Consumer complaint received 2025-02-13 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:
I am listing 2 accounts fraudulent from my Experian, Transunion and Equifax Credit Report. XXXX XXXX XX/XX/year>. XXXX XXXX. Listed accounts do not belong to me and must be removed from all of my 3 bureaus. I had a call with the company and the credit reporting agency advised me to fi le an identity theft report for deletion. I am requesting Experian, Transunion and Equifax to mark these accounts as fraudulent and remove from my Credit Report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 2025-02-13 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: LoanCare, LLC
State: MD

Complaint narrative:
The mortgage company, Loan Care Mortgage Loan number XXXX, reported me as being late to each credit bureau when in fact under the CARES ACT, I am not late, having obtained the approved forbearance over the period reported as my being LATE with mortgage payments, ( although I am still under the approved forbearance as well as XXXX XXXX XXXX XXXX program this time from XX/XX/XXXX until XX/XX/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 2025-02-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
International Wire Transfer Department CERT. MAIL : XXXX XXXX XXXX XXXX XXXX Bank of America , N.A . 
XXXX XXXX XXXX XXXX, FL XXXX Ref : Account Dear, I am writing to escalate an ongoing issue regarding a wire transfer I initiated through your XXXX XXXX XXXX XXXX XX/XX/year>. Despite multiple attempts to resolve this matter directly with branch personnel, including the Branch XXXX XXXX and Senior Banker XXXX XXXX, I have yet to receive a satisfactory resolution. 
The details of the transaction are as follows : - On XX/XX/year>, I sent a wire transfer through your platform for the amount of {$150000.00} USD. 
- This amount was intended to be converted to XXXX XXXX and transferred to XXXX XXXX in the XXXX XXXX. 
- At the time of the transfer, the {$150000.00} USD amount should have converted to XXXX XXXX XXXX. 
- However, XXXX XXXX has confirmed that the amount they received was only XXXX XXXX XXXX, reflecting a service charge of XXXX XXXX XXXX deducted from the principal amount. 
- This discrepancy results in a shortfall of XXXX XXXX XXXX, which at the current exchange rate {$54.00} equates to approximately {$5000.00} USD missing from the original transfer amount. 
Both your institution and XXXX XXXX have acknowledged this discrepancy, but neither party has taken responsibility for resolving the issue or crediting me the missing funds. XXXX XXXX has explicitly stated that your bank, as the originator of the wire transfer, is the responsible party to rectify this situation. 
I have made numerous good-faith efforts to resolve this through your local branch channels, but unfortunately, those attempts have proven unsuccessful. As such, I am now escalating this matter to your higher authorities for a prompt and fair resolution. 
Please investigate this wire transfer discrepancy as a top priority and provide me with a clear action plan to recover the {$5000.00} USD that was deducted from the originally transmitted amount. I kindly request that this be addressed without any further delay, as I reserve my right to pursue legal action if a satisfactory resolution is not reached promptly. 
I appreciate your urgent attention to this matter and look forward to your expedited response outlining the steps you will take to make me whole on this international wire transfer. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX Account # 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 2025-02-13 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: TN

Complaint narrative:
Hi how are you I hope all is well I'm contacting you today in regards to this account that is charged off with a balance of {$4900.00} that is incorrect this account is currently charged off so they're supposed to be a XXXX balance they're refusing to allow me to open a checkings account but this account has been charged off it is hindering me I wish for this to be removed due to this being incorrect information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation