vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-20 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: VA

Complaint narrative:
I urgently request the removal of this erroneous late payment from my account. My consistent history of punctual payments contradicts this entry, causing me undue stress and concern. I ask that you promptly rectify this mistake by updating 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 2025-02-20 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 writing to formally request the blocking and deletion of all accounts associated with my personal information, as I am a victim of the recent data breach that has affected numerous individuals. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX. XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX  XXXX Account Number : XXXX XXXX. XXXXXXXX XXXX XXXX Account Number : XXXX According to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ), I am entitled to request that my accounts be blocked and deleted due to the unauthorized access to my personal information. The breach has compromised my data, and I am concerned about the potential for identity theft and misuse of my information. 

Please find my details below for your reference : Full Name : XXXX XXXX Social Security Number : XXXX : Date of Birth : XX/XX/XXXX - Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX I kindly request that you take immediate action to block and delete all accounts that have been compromised as a result of this data breach. Additionally, please provide me with written confirmation once this has been completed. If you require any further information or documentation to process my request, please do not hesitate to contact me at the phone number or email address listed above. Thank you for your prompt attention to this matter. I look forward to your swift response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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:
My personal information was breached in the Equifax data breach. Adverse information was furnished to my consumer FICO report. Please review the attached items for more details. I expect these fraudulent accounts to be removed in 4 business days according to the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 to be removed/updated.

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 2025-02-20 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 was a XXXX of identity theft I have contacted all three credit buerues and they still have not taken down the accounts open fraudulent by law they should've taken it down so it wouldn't be affect my credit score any longer I am now reporting it here as well and I have done a police report and also with the the federal trade commission as well

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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 was a XXXX of identity theft I have contacted all three credit buerues and they still have not taken down the accounts open fraudulent by law they should've taken it down so it wouldn't be affect my credit score any longer I am now reporting it here as well and I have done a police report and also with the the federal trade commission 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 non-monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: COLLECTIONS USA, INC.
State: AZ

Complaint narrative:
I was contacted about debt owed XXXX XXXX, asked to get a move out statement from the apartment since I never received it. They sent it to me, and I told them I disagreed with the statement and that I would dispute it with the apartment. This was on XX/XX/XXXX and I heard nothing back. They then put out collections on my credit report. I emailed them again about this on XX/XX/XXXX. No response. I am very frustrated, have had nothing but trouble with this company, and they have been unethical and rude. I never got the chance to dispute the debt, nor was I informed that I was able to, and then hit with a credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I had a payment scheduled for the full statement amount of {$2300.00}. They sent me an email that the payment processed. A few days later I receive another email that a payment was due so I check my account and see that they had charged me a late fee and interest. I received no notification that my payment didn't process. I tried to sort it out with them but they were not helpful. Keep in mind this is only 3 days after the payment was due and I had every intention of paying it in full but need the fees and interest waived due to them not even notifying me that the payment did not go through when I have an email from them saying it was processed.

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 2025-02-20 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: TN

Complaint narrative:
I kindly implore you to swiftly and decisively take action to remove the fraudulent accounts 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 explanation
Consumer complaint received 2025-02-20 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: TN

Complaint narrative:
I kindly implore you to swiftly and decisively take action to remove the fraudulent accounts 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 2025-02-20 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: MA

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer 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 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-02-20 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:
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 explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM

Complaint narrative:
I have been called non stop from XXXX XXXX to XXXX XXXX  non stop they dont leave messages they just call back to back

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Barclays credit card with annual fee. 
They dont want to close the account and keep collecting annual fees. 
I stopped using the account since XX/XX/year>. 

Account no : XXXX 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 2025-02-20 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: MI

Complaint narrative:
I applied for PSLF while working as an XXXX Farm to School Specialist last year, and my student loans ( that have been in repayment since XXXX ) were transferred to MOHELA. Prior, my student loans were serviced with XXXX, and then transferred to XXXX when XXXX went out of business. I have been using my XXXX XXXX XXXX to pay my student loans for about 2 years now, and I had no troubles doing so with XXXX. I always pay my loans a few weeks prior to their due date to ensure processing times do not interfere with paying my loans on time. Since switching to MOHELA, my student loan repayment has been an absolute nightmare. Every single month, they lose my payment, are not applying my payment to my account, are charging me interest for late payments, and are simply not even accepting my payment ( and letting it sit there without taking any action on my payment ) in some cases. I have had to call them every single month in order to have my money tracked down and account rectified and back-dated. On my XXXX  portal where I make payments to MOHELA, I can see if MOHELA has accepted, declined, or has not taken any action ( pending ) on my payment submission. They continuously accept my money, post it for a day prior to my loan due date ( which is the XXXX of every month ) and then I still end up with a notification that my payment is late. I provide receipts and have receipt of every single payment I have made, which has never once been late, and they have to open a case on my account every time to find the money. It usually gets found months later, but this takes hours of my time once a month and it is extremely difficult and frustrating to have to deal with this constantly. I am being penalized by MOHELA, getting interest tacked onto my account, and having my credit score affected when I have done absolutely nothing wrong and have the proof of that. Additionally, none of the customer service representatives are ever able to help me. I have been hung-up on and sent back into the pool of waiting customers seeking help because even when I choose the, " XXXX '' option from their menu selection upon calling, the customer service representative knows nothing about the XXXX process. I have done my due diligence and worked with XXXX as well when an issue arises each month, and they also confirm with me that this is a MOHELA problem that many customers are experiencing. Something needs to be done about this. This has been an absolutely horrible experience, and I am dealing with it yet again this month regarding my XXXX payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: WA

Complaint narrative:
As I was going through my credit profile I noticed I had some inquiries that do not belong 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 2025-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC
State: NJ

Complaint narrative:
I receive calls from XXXX, and when I answer a person says their name, and that the call is being recorded. 
I ask them every time to identify themselves, their company and why they are calling, and they will not. They refuse to tell me any information, and keep asking me if I am XXXX XXXX XXXX  to which my response is that I am aware of multiple scams out there where people call ask if they are speaking to " x '' and when the person says yes, their voice is now captured and can be used in scams, AI calls, etc. 
I also state, that if they are a debt collector they can send me via USPS proof of the debt, and that I will happily verify my mailing address. Usually, they disconnect the call at that point.

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 2025-02-20 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:
Its absolutely infuriating that the accounts tied up in pending litigation are still on my credit report. Ive reached out to you time and time again to address the inaccuracies, but Im getting nowhere.

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 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is my final attempt to dispute the inaccurate information that Equifax has reinserted into my credit report after it was previously deemed unverifiable and removed. Despite multiple dispute requests, Equifax has failed to conduct a proper investigation, violating its legal obligations under the Fair Credit Reporting Act. Under 15 U.S.C. XXXXi ( a ) ( XXXX ), credit reporting agencies must conduct a reasonable investigation within XXXX days of a dispute. However, Equifax has failed to provide any reasonable protocol or supporting documentation regarding how these accounts were verified, violating 15 U.S.C. XXXXi ( a ) ( XXXX ) ( B ) ( XXXX ). Additionally, I have attached a letter from Equifax dated XX/XX/2024, confirming that the disputed Bank XXXX XXXX accounts ( Account # XXXX and XXXX ) were deleted. If these accounts were deemed unverifiable and removed, why has Equifax now reinserted them? This reinsertion, done without proper certification or required notice, violates 15 U.S.C. XXXXi ( a ) ( XXXX ) ( B ), which mandates that any reinserted information must be certified as accurate and that the consumer must be notified within XXXX business days. I was never provided such notification, further demonstrating non-compliance. The Consumer Financial Protection Bureau has an ongoing lawsuit against Equifax for similar violations, highlighting the severity of these issues across credit reporting agencies. I am requesting CFPBs assistance in addressing Equifaxs repeated violations and lack of compliance with federal law. Due to the harm caused by Equifaxs negligence, I will be seeking punitive damages for their continued non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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: Mr. Cooper Group Inc.
State: OH

Complaint narrative:
Ive made a number of attempts to communicate with Rushmore Servicing, Mr. Cooper Group to no avail, to resolve an apparent issue with my payment history not being report to the credit reporting agencies. Prior to XX/XX/XXXX the company being taken over from XXXX Lending my monthly payments were being reported to credit agencies. Late, I received a letter from Mr. Cooper, that stated my information have been subject to a data breach.. 

Currently, its stated on Rushmore Servicing phone system, that my account is in a bankruptcy filing status and am no longer responsible for the debit. I submitted a written letter to Rushmore Servicing on XX/XX/XXXX2024, per XXXX, Upon, trying to explain to Rushmore Servicing that my filing was in XX/XX/XXXX and Discharged XX/XX/XXXX. After stating to XXXXushmore Servicing, my conversation with XXXX, XXXX XXXX filing remain XXXX  years after filing date, it has now been over XXXX yrs and Rushmore Servicing is refusing to report my monthly payments to the credit reporting agencies. Also, I had been informed by Rushmore Servicing that my attorneys office has to file a discharge, in which is not true for a XXXX  XXXX filing only required on XXXX XXXX filing. Please help me in this confusing conversation and matter.

Company response to consumer: Closed with explanation