vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-10 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: EQUIFAX, INC.
State: OH

Complaint narrative:
XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, Equifax, Experian . These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, Equifax, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP!

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, Transunion, and Experian report.

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately.

I am requesting a manual veriication and not an automated process through Transunion, Equifax, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance {$480.00} XXXXXXXX XXXX date opened XX/XX/XXXX balance {$2100.00} XXXX XXXX XXXX O Date Opened XX/XX/XXXX Balance {$2500.00} credit collection balance {$940.00} date opened XX/XX/XXXX **Inquiries** XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: TX

Complaint narrative:
I am filing a formal dispute regarding multiple violations of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I demand immediate correction and removal of this inaccurate and unverified information from my credit report : Incorrect Late Payment Remarks ( FCRA Violations ) Under 15 U.S. Code 1681s-2 ( a ) ( 1 ) and 15 U.S. Code 1666b, I am disputing inaccurate late payment remarks on the following accounts. These accounts were paid on time, and the false reporting of late payments is a violation of FCRA and TILA. I demand that these remarks be removed immediately to ensure the accuracy of my credit file. 


Additionally, I have already filed a formal complaint with the Federal Trade Commission ( FTC ) under Reference Number : XXXX regarding these violations. If this matter is not resolved promptly, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action to protect my rights. 

I expect a written response and correction within the legally required timeframe. Failure to comply may result in additional legal consequences.

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 2025-03-10 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: TX

Complaint narrative:
Today on XX/XX/year> Equifax was called by myself, to ask why I am not able to login to my online account, after going through many troubleshooting steps Equifax decided to tell me that I do not qualify for online account unless I send them a copy of my social security card, and my identification. During the troubleshooting steps I was sent a link to verify my identity. My identity was successfully identified. I had to upload my Identification, also take a selfie photo. The reason behind needing access to my online account is Equifax is allowing my information such as my social that was included in a data breach and fraudulent accounts to be added to my credit report. Under section 605 B Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer.

Also unlock my online account for me to access my online report through My Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I called immediately when I saw XXXX charges for {$940.00} on my account. The representative issued me a new card and removed charges. Weeks later those charges are back on my account and again I advised the rep these are fraudulent charges from someone who works there or someone got hold of my information because I only came in for an oil change. My Credit limit is {$1200.00} there are XXXX charges for {$940.00} how did it go through? No one can answer my question. Now its back on 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 monetary relief
Consumer complaint received 2025-03-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Ocwen Financial Corporation
State: AR

Complaint narrative:
I applied for and was approved for the FHA XXXX Recovery Standalone Partial Claim Modification plan was approved on XX/XX/XXXX. The agreement which was dated XX/XX/XXXX, was sent to me, to be returned by XX/XX/XXXX. 
PHH received the copy of the agreement, and it was rejected because of incomplete notary. Notary public acknowledgement of the accountholder name on notary page of mortgage document is not clear it seems like as XXXX XXXX. 
XXXX ''. Notary public needs to acknowledge name correctly and clearly as XXXX XXXX XXXX exactly as per name printed on the Note and Mortgage documents. Hence ; it was not acceptable, and account was denied due to not enough time to resent the agreement. 
The modification was denied on XX/XX/XXXX, with the reason We received the executed modification agreement however, it was not properly executed and has expired. 
I was informed that for reconsideration of account modification, I may reapply for a new modification. 
On XX/XX/XXXX I received a determination on my appeal that stated I was allowed to submit another mortgage assistance application. I submitted a new application on XX/XX/XXXX. On XX/XX/XXXX I received a notice stating my mortgage assistance was denied because prior application reviews that were completed during the same delinquency cycle. 

I summited XXXX separate applications for mortgage assistance and was approved all 3 times. However all XXXX agreements were rejected and my application was denied due to the mistake of the notary public. First time the notary stamp was placed in the wrong spot ( in the middle of the page and was told it should be at the bottom of the page ), XXXX My middle initial was not added by the notary, and XXXX the notary handwriting was not legible. I feel that these decision are unfair to me since I have no control over anyone elses action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: OH

Complaint narrative:
I have called and e-mailed my student loan servicer ( Mohela ) numerous times about my current loan balance. I was previously on the XXXX plan and was placed into a forbearance with 0 % interest. However, over the last XXXX months, I have continued to accrue interest on my account despite my loans being in interest-free forbearance until the courts can make a decision on this issue. So far, no one has removed the loan interest accrual from my account. I have received re-assurances that everything will be waived, but there is no written documentation that they have given me, nor any update on their end of things to remove the additional {$1500.00} that has accrued on my loans already. It is over a XXXX hour wait to reach them via phone and I had to send a message through their portal weeks ago that still has no response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: NV

Complaint narrative:
My identity was stolen and used without my permission and XXXX will not remove the account from the XXXX credit bureaus.

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 2025-03-10 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Block, Inc.
State: LA

Complaint narrative:
On XX/XX/year>XXXX  I attempted to get {$300.00} from an ATM at a local pharmacy in XXXX XXXX. The ATM dispensed {$120.00}, printed a receipt for {$300.00} plus fees, and shut down. I notified the cashier on duty at the time. She instructed me to call the phone number on the ATM. I called the phone number as instructed and was told to file a claim with the card issuer. I called Cash App and filed a claim immediately. I called Cash App on XX/XX/year> and was told my claim was denied internally and they did not talk or correspond with the ATM operator. I am being robbed of XXXX and intend to exhaust all measures to get my money back. 

XXXX XXXX Account : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: TX

Complaint narrative:
I am filing a formal dispute regarding multiple violations of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I demand immediate correction and removal of the following inaccurate and unverified information from my credit report : XXXX. Invalid and Unverified Debt ( FDCPA Violations ) Under 15 U.S. Code 1692g, I am disputing the listed accounts as they have not been properly validated under the FDCPA. Your failure to provide legal validation means you can not report or collect on these accounts, and they must be removed immediately.

2. Incorrect Late Payment Remarks ( FCRA Violations ) Under 15 U.S. Code 1681s-2 ( a ) ( 1 ) and 15 U.S. Code 1666b, I am disputing inaccurate late payment remarks on the following accounts. These accounts were paid on time, and the false reporting of late payments is a violation of FCRA and TILA. I demand that these remarks be removed immediately to ensure the accuracy of my credit file.

Additionally, I have already filed a formal complaint with the Federal Trade Commission ( FTC ) under Reference Number : XXXX regarding these violations. If this matter is not resolved promptly, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action to protect my rights. 

I expect a written response and correction within the legally required timeframe. Failure to comply may result in additional legal consequences.

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 2025-03-10 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: TX

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

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

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

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. ''

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 2025-03-10 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:
XXXX previously removed a specific account from my report for being unverifiable and inaccurate and then after removing them experian added back to my account which is legal and against the FCRA loan I need you to remove immediately. 

Also, knowingly publishing fake and inaccurate information that can personally affect my credit report a negative way is also against the FCRA Also, these accounts are not published by the other two credit bureaus for they have been found as unverified and inaccuratefor one credit bureau to publish non-accurate information is also breaking an FCRA

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 2025-03-10 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: World Acceptance Corporation
State: GA

Complaint narrative:
I have submitted a report via email to address the incorrect information provided by the credit bureau. I am formally disputing an error on my credit card statement and have requested a thorough investigation. However, the company has failed to address the matter properly. I would appreciate your immediate attention to this issue. Additionally, please provide a confirmation receipt for my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am disputing inaccuracies on my Experian and XXXX credit reports. These reports show late payments for XXXX XXXXXXXX XXXX XXXX, which do not appear on my XXXX report, where the account is listed as " paid on time. '' According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the accuracy and integrity of the information they report, and inaccurate information must be corrected ( Section 1681e ( b ), 1681i ). 

Additionally, some of the accounts are incorrectly reported as 30 days late for both XX/XX/year> and XX/XX/year>, followed by XXXX days late in XX/XX/year>. This is inconsistent and inaccurate, as a XXXX late should reflect a gap between the two prior XXXX late payments. You failed to investigate this account properly and your neglect has violated my rights I have attached screenshots from my XXXX report showing the accounts as " paid on time. '' I request that the Experian and XXXX reports be corrected to paid on time or that the accounts be deleted if the information can not be corrected. 

Account Name : XXXX XXXXXXXX XXXX XXXX Account number : XXXX Thank you for your attention to this matter.

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 2025-03-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian had a breach of data and I need all my auto and credit card debt removed as it is identity theft.

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 2025-03-10 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: GA

Complaint narrative:
I am writing to formally dispute the following derogatory account and inquiries that have appeared on my credit report as of the date above. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any inaccurate, incomplete, or outdated information on my credit report, and I am requesting that you investigate the items listed below. 
Derogatory Account : Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Equifax XXXX : XXXX. XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX Inquiries : XXXX. XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX XXXX on XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
My concern is with XXXX XXXX. I recasted my loan. I made the payment of XXXX $ on XX/XX/XXXX. They send me the recasting agreement ( XXXX XXXX ) after that which I signed and send them back on XX/XX/XXXX. As per the agreement, they lowered my interest rate in XXXX. They sat on my payment for nearly 50 days before I could get any benefit out of it. 

As per them it is their process. 

I want to complain about their internal process. I think they are robbing hard working Americans in a very systemic manner. 

Please guide further.

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 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
ThiXXXX XXXX  account is showing two different amounts of late payments. Also, this account was closed in XXXX and they are STILL reporting on my credit report as current as XX/XX/XXXX. The information should not be reported being any longer due to the account being in closed status. All inaccurate late payment history from XXXX up to date should be deleted along with the account. One report states XXXX missed payments while another states XXXX. All being reported on a closed account since 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