vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-24 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: AZ

Complaint narrative:
PLEASE HELP ME REMOVE AND BLOCK THE ACCOUNTS IVE REPORTED BECAUSE I AM A VICTIM OF XXXX XXXX UNDER 605C. ALL ACCOUNTS HAVE BEEN UPLOADED WITH MY SUPPORTING DOCUMENTS.

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 2025-03-24 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-03-24 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: WA

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 2025-03-24 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-03-24 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.
State: OH

Complaint narrative:
I sent a letter regarding inaccurate and unknown accounts on my credit report. I want this unauthorized inquiries account blocked from my credit report within XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Shellpoint Partners, LLC
State: AL

Complaint narrative:
XXXX XXXX 's were sent to XXXX aka Shellpoint in regards to proper accounting. The XXXX  year XXXX XXXX has been more than paid for in full. However the accounting practices of the XXXX  's have failed to reflect such. 
This is a second position loan with XXXX XXXX  as first and original mortgage. Shellpoint sends out notices of a balance of over XXXX while a letter from an attorney sent a balance of over XXXX yet noone will show proof of these amounts nor accounting for over the last XXXX  years. I believe auto loans are paid off in XXXX years in the amounts of XXXX, there is no possible reason for this loan to still have a balance. They sent you something talking about a modification and over XXXX more months to pay. NO. 
The current loan process is absolute criminal in its entirety. As my research will show how they take the taxpayers funds, yet to discover those who are willing to address this topic is most difficult. The life of the original term was XXXX  months.

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 2025-03-24 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Recipient : XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, IA XXXX Subject : Notice of Dispute and Request for Resolution Regarding Violation of 15 U.S.C. XXXXo Dear CFPB I am writing to formally notify you of a violation under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. XXXXo, concerning negligent noncompliance with the FCRA provisions. I believe that your organization has failed to meet its responsibilities as outlined in the FCRA, which has caused harm to my credit profile and personal financial wellbeing. 

Summary of the issue : On [ Date of incident or date you identified the issue ], I discovered that [ describe the negligent noncompliance : e.g., failure to update information on my credit report, failure to investigate a dispute, etc. ]. 

Despite my previous communication regarding this matter ( reference any previous correspondence or disputes ), no corrective action has been taken. 

I have been significantly impacted by the delay or failure to address these issues, which has resulted in [ describe any negative consequences, such as damage to your credit score, financial harm, or emotional distress ]. 

According to XXXX XXXX. XXXX, I am entitled to seek compensation for any damages that have resulted from your organization 's negligent noncompliance with the provisions of the FCRA. This includes, but is not limited to, actual damages, statutory damages, and attorney fees if applicable. 

I request the following actions to resolve this matter promptly : Immediate correction of the reported information ( if applicable ) and updating of my credit file to reflect accurate information. 

An investigation and resolution of the issue within the XXXXday period as required by the FCRA. 

Compensation for any damages, including the harm caused by the delayed or improper handling of my personal information. 

Please treat this letter as an official dispute and request for corrective action. I expect a written response within XXXX days as mandated by the FCRA. Failure to respond adequately will result in further action, which may include seeking legal remedies under 15 U.S.C. XXXXo for negligent noncompliance. 

Thank you for your prompt attention to this serious matter. Please contact me at [ your phone number ] or [ your email address ] to confirm receipt of this letter or to discuss the steps being taken to resolve this dispute. 

Sincerely 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 2025-03-24 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: AZ

Complaint narrative:
I was never late for this. I showed bank statements, emails, and calls that I made to them. XXXX never removed this. It was close as it was literally paid on the XXXX day, but I still paid it. This is currently having an effect on my XXXX home loan as it's delaying it and could possibly deny because of these type of items on my credit report. I have tried over XXXX  years to have this removed and this company is insistent on it being late. I currently don't have access to my account anymore either which makes it impossible to show proof of payment and dates. I would like this removed from my credit report. It's going on XXXX years anyways and should not be there anymore. Please remove, thank you.

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 2025-03-24 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: TX

Complaint narrative:
Since I am not aware of any similar inquiries, it appears that this XXXX is unauthorized and fraudulent. Please take immediate action to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OH

Complaint narrative:
I made a payment via money order for {$910.00} on XX/XX/XXXX which was not applied to my account until XX/XX/XXXX. Making my account XXXX days past due. I then made an additional payment of {$910.00} on XX/XX/XXXX which still has not been applied. I went through the post office and got the scan of the cashed money order, a letter from the XXXX XXXX  bank stating the money order had been cashed and the receipt stub and sent all of this via email to Carrington Mortgage Services LLC escalations department. This process began the end of XXXX of XXXX. As of today ( and numerous calls to Carrington and emails sent to their escalation department ) they are still denying the payment was made and that it was cashed by them. So my account remains past due. My credit score has been impacted. We are being charged uncollected fees and late payment fees as well. I was told today that when the investigation is completed and they will not find the payment, I can then take my report from them to the post office where I made my purchase and they will have to return my money after their own investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: TX

Complaint narrative:
I discovered an unauthorized and inaccurate collection account on my credit report from Equifax Information Service LLC associated with XXXX, account number XXXX. This account does not belong to me, and I have no knowledge of its origin. I formally disputed this account with the credit bureau, requesting verification and removal based on my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections XXXX ( XXXX U.S.C. XXXX ), XXXX ( XXXX XXXX. XXXX ), and XXXX ( XXXX XXXX. XXXX ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Sections XXXX ( XXXX U.S.C. XXXX ) and XXXX ( XXXX XXXX. XXXX ). 
Despite my formal dispute and request for a thorough investigation, Equifax Information Service LLC has continued to report this account without verifying its accuracy or providing me with documentation supporting its validity. This violates my rights under the FCRA, as credit bureaus are required to conduct a reasonable investigation and must not report inaccurate or unverifiable information. Notably, failure to comply with these requirements has been underscored by precedents such as XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX 
This inaccurate information is damaging my credit score and affecting my financial standing. I believe that the credit bureaus failure to properly investigate and respond to my dispute is a direct violation of the FCRA, causing me unnecessary harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-03-24 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
My identity was compromised and there are reposting affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My identity was compromised and there are reposting affecting 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 non-monetary relief
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 status incorrect
Company: Self Financial Inc.
State: GA

Complaint narrative:
XXXX BANK Revolving with account XXXX XXXXXXXX opened on XX/XX/year> and a balance of {$200.00}. 
I previously disputed this account stating : ''This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
15 U.S. CXXXXe XXXX 15 U.S. XXXXe XXXX. 

Also closed account for no valid reason

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
I was looking at my email and received a notification about my credit report. I had opened the email, and it showed a debt in collections for the amount of XXXX at XXXX XXXX XXXX in XXXX, XXXX. I had seen that XXXX XXXX XXXX XXXX had taken over and placed this amount into collections. I called the company asked where it was coming from and how they had my information. Turned out my DOB was incorrect, billing address, email and no ID obtained for this fraudulent debt. The gentleman I spoke with advised this was from Ancima, who was no help at all when I called them. I told the guy I spoke with that I wanted to report a fraud and they took my information down. Now XXXX from Ancima in the so called fraud department gave me a website to file fraud ( XXXX ). This website does not work at all. Apparently this took place in the beginning of this month. I spoke with both companies on XX/XX/25.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank Of America has contineously reported this account as a " Charged Off '' account on my XXXX, XXXX and XXXX credit files. Additionally, they are updating these inaccuracies monthly as " Last Active '' when this account is in fact closed. This mark further damages my credit report. I have reached out and disputed these inaccuracies, with the credit bureaus and I do not believe they verified this information. This is a violation of my consumer rights under 15 USC 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 2025-03-24 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: MD

Complaint narrative:
I contacted XXXX BANK 2020 in which the agent informed me on a recorded line that if I paid the account for less it would not affect my credit and if there were problems the late payment and account would be removed. I have been contacting XXXX back filing dispute to no resolve. I ask XXXX per 15 USC XXXX if periodic letter were sent before XXXX days of late and if the letter was mailed or delivered with tracking number for mail or delivery receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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 2025-03-24 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:
Subject : Formal Dispute Incorrect Late Payments on XXXX XXXX Account Dear Equifax Consumer Assistance, I am formally disputing the late payments being reported on my XXXX XXXX account for the months of XX/XX/year>, XX/XX/year>, and XX/XX/year>. These late payments are inaccurate, and I request their immediate and permanent removal from my credit report under my rights granted by the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1666B.

Legal Basis for My Dispute 15 U.S.C. 1666B Timing of Payments According to this statute, a creditor can not report a late payment if the payment was received within the creditors required timeframe or if there was an error in processing the payment. If the payments in question were processed incorrectly, they must be removed. 
15 U.S.C. 1681i Reinvestigation of Disputed Information Equifax is legally required to conduct a proper reinvestigation of any disputed information and delete any data that can not be verified as 100 % accurate. These late payments are inaccurate and unverifiable and should therefore be removed.

15 U.S.C. 1681e ( b ) Maximum Possible Accuracy Credit bureaus must maintain maximum possible accuracy in credit reporting. Reporting incorrect late payments violates federal law and causes unjust harm to my credit profile. 

Request for Immediate Action I demand that Equifax take the following steps : 1. Permanently delete the late payments from XX/XX/year>, XX/XX/year>, and XX/XX/year> from my credit report. 

2. Update my account status to reflect a positive payment history with no late payments reported.

3. Provide me with written confirmation once these corrections have been made. 
Failure to Comply If Equifax fails to correct this reporting error, I will be left with no choice but to : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office for violations of my FCRA rights.

Pursue legal action under 15 U.S.C. 1681n and 1681o for Equifaxs willful or negligent noncompliance with federal law.

This inaccurate reporting is damaging my credit profile and financial stability. I expect immediate corrective action and a written response within 30 days, as mandated by law.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I Listed 2 fraudulent inquiries from my Transunion Credit Report. XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX. Listed inquiries do not belong to me and must be removed from my Transunion Credit Report. I had a call with the company and the credit reporting agency advised me to file an identity theft report for deletion. I am requesting Transunion to mark these inquiries 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 2025-03-24 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: NY

Complaint narrative:
I was alarmed that there are inaccurate late payment remarks on 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 2025-03-24 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: LA

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