vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-06 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: PA

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 five 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 explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
Dear XXXX XXXX I am writing to formally dispute the reporting of late payments on my credit report, as I believe they are inaccurate, unfairly reported, or do not meet the standards set by the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681a and my right to dispute and correct information.

The details of the disputed account ( s ) are as follows : Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ] Under the FCRA, credit reporting agencies are required to ensure that all reported information is fair, accurate, and verifiable. If the reported late payments can not be verified as accurate and fair, I request their immediate removal from my credit report. 

Additionally, I ask that you provide the method and evidence used to verify these late payments, as required by law. If you can not provide documented proof, I request that these late payments be deleted in accordance with the FCRAs accuracy and fairness provisions.

As required under the FCRA, I expect a response within 30 days from the date of receipt of this letter. If these errors are not corrected, I am prepared to escalate my dispute further.

Please confirm receipt of this request and notify me of any updates regarding this dispute. You may reach me at the contact information provided above. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-02-06 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX, I received an American Express prepaid gift card with {$400.00} from my employer as the result of winning a giveaway. I had forgotten about this sum, until recently when I got married and expenses increased. I have been attempting to use the {$400.00} in a variety of ways -- directly using it to purchase online goods at a variety of websites, XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX, but been rejected every single attempt. Most of these attempts were on XX/XX/XXXX. 

Upon looking into this issue online, I found many other consumers experiencing similar issues with AMEX prepaid gift cards. They offered alternatives/tips for how to successfully prevent transactions from getting declined, which I tried, but all failed. In the end, most people suggested reaching out to the CFPB to recover my rightful funds. Other people online have suggested reaching out to AMEX directly results in AMEX implying other companies need to fix the problem on their end, but it does not seem to have resolved other people 's issues in the past.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
My wife and I refinanced our home loan. The interest rate did drop but they added {$110000.00} to the principal loan without telling us, and unable to tell us even now why it was increased.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: TX

Complaint narrative:
I am writing to file a claim against Experian for violating the Fair Credit Reporting Act ( FCRA ), specifically SECTION 609 which states they must send me a copy of my original contract I signed or delete. Despite numerous disputes and requests for verification, Experian has failed to provide me with the necessary documentation to verify the accuracy of the information on my credit report. I have attached copies of my disputes, along with proof of delivery, which were sent to Experian on the following dates : - XX/XX/XXXX- XX/XX/XXXX- XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX. None of these disputes received a response within the required 30-day timeframe. The only response I received was to the dispute sent on XX/XX/XXXX, which was responded to by mail on XX/XX/XXXX. However, this response still failed to comply with my dispute and provide the necessary documentation. Furthermore, despite the lack of verification, Experian has failed to remove the negative items from my credit report, as required by law. Instead, Experian has taken retaliatory actions against me for exercising my rights under the FCRA. Specifically, Experian has : - Changed the negative dates on my credit report to make them appear more recent - Added additional delinquencies to my accounts These actions appear to be a clear attempt to punish me for disputing the accuracy of the information on my credit report. This is a blatant violation of the FCRA and my rights as a consumer. Furthermore, Experian has 11 delinquencies to XXXX XXXX, which clearly shows their retaliatory actions. I request that the Consumer Financial Protection Bureau take immediate action to investigate this matter and hold Experian accountable for their violations of the FCRA. I also request that Experian be required to provide me with the requested documentation, correct any inaccuracies on my credit report, remove the unverified negative items, and cease any further retaliatory actions. Thank you for your attention to this matter. 

Enclosures : - Copies of disputes sent to Experian with proof of delivery - Response from Experian dated XX/XX/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 2025-02-06 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: CT

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 2025-02-06 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: VA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this formal complaint regarding an unjust collection account that has been placed on my credit report by XXXX XXXX XXXX This debt is invalid for several reasons, and I am requesting your assistance in having it removed. 

Debt Was Never Verified : I have never received any proper verification of this alleged debt from XXXX XXXX XXXX as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ). Under federal law, I have the right to dispute a debt and request validation, yet no documentation proving the validity of this debt has been provided. 

Services Were Not Rendered : XXXX XXXX was unceremoniously expelled from XXXX XXXX and was not allowed to attend for the week in question. Since services were never provided during that time, I am not responsible for paying for them. The daycare effectively breached our agreement by refusing service, thereby invalidating any claims for payment. 

No Agreement with Collection Agency : I have never had an account with XXXX XXXX XXXX nor signed any contract obligating me to pay them. The original creditor XXXX XXXX allegedly sold this debt to a third party without my knowledge or consent, effectively severing any contractual obligation I may have had. As the original creditor is no longer attempting to collect the debt, and I never entered into any agreement with the collection agency, this account should not be reported under my name. 

Unfair and Deceptive Credit Reporting : Reporting this invalid debt on my credit file violates the Fair Credit Reporting Act ( FCRA ), as it is both inaccurate and misleading. It is my right to dispute any unverified or erroneous accounts appearing on my credit report, and I demand its immediate removal. 

Requested Resolution I am formally requesting that XXXX XXXX XXXX  provide immediate proof of the following : A valid, signed contract between myself and XXXX XXXX XXXX proving that I owe them this debt. 
A detailed itemization of any charges, including proof that services were actually provided. 
Legal proof that XXXX XXXX XXXX has the right to collect on this debt and report it to credit bureaus. 
If the collection agency can not provide proper verification of this debt, I request that it be immediately removed from my credit report with all bureaus. 

I appreciate your assistance in resolving this matter and ensuring that my consumer rights are upheld. Please keep me informed of any updates regarding my complaint. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this formal complaint regarding an unjust collection account that has been placed on my credit report by XXXX XXXX XXXX This debt is invalid for several reasons, and I am requesting your assistance in having it removed. 

Debt Was Never Verified : I have never received any proper verification of this alleged debt from XXXX XXXX XXXX as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ). Under federal law, I have the right to dispute a debt and request validation, yet no documentation proving the validity of this debt has been provided. 

Services Were Not Rendered : XXXX XXXX was unceremoniously expelled from XXXX XXXX and was not allowed to attend for the week in question. Since services were never provided during that time, I am not responsible for paying for them. The daycare effectively breached our agreement by refusing service, thereby invalidating any claims for payment. 

No Agreement with Collection Agency : I have never had an account with XXXX XXXX XXXX nor signed any contract obligating me to pay them. The original creditor XXXX XXXX allegedly sold this debt to a third party without my knowledge or consent, effectively severing any contractual obligation I may have had. As the original creditor is no longer attempting to collect the debt, and I never entered into any agreement with the collection agency, this account should not be reported under my name. 

Unfair and Deceptive Credit Reporting : Reporting this invalid debt on my credit file violates the Fair Credit Reporting Act ( FCRA ), as it is both inaccurate and misleading. It is my right to dispute any unverified or erroneous accounts appearing on my credit report, and I demand its immediate removal. 

Requested Resolution I am formally requesting that XXXX XXXX XXXX  provide immediate proof of the following : A valid, signed contract between myself and XXXX XXXX XXXX proving that I owe them this debt. 
A detailed itemization of any charges, including proof that services were actually provided. 
Legal proof that XXXX XXXX XXXX has the right to collect on this debt and report it to credit bureaus. 
If the collection agency can not provide proper verification of this debt, I request that it be immediately removed from my credit report with all bureaus. 

I appreciate your assistance in resolving this matter and ensuring that my consumer rights are upheld. Please keep me informed of any updates regarding my complaint. 

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 non-monetary relief
Consumer complaint received 2025-02-06 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Kindly remove these fraudulent accounts from my credit report, as I did not authorize their creation and was not aware of their presence. Under USC 1681g, I request their removal within 15 days. Supporting documents are attached. 
I am requesting the immediate removal of these unauthorized accounts from my credit report, as I neither opened them nor knew they existed. As per USC 1681g, please delete them within 15 days. I have included the necessary supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am 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 non-monetary relief
Consumer complaint received 2025-02-06 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: AL

Complaint narrative:
Subject : Formal Complaint Regarding XXXX XXXX XXXX Account Removal and Impact on Credit Score Dear Experian Customer Service , I am writing to formally express my concerns regarding the handling of my XXXX XXXX XXXX account on my credit report. 

I recently noticed that this account, which was previously listed as being in debt collection, was removed from the debt collection status. However, it now still appears as a closed account on my credit report. I had filed a request to have the account fully removed from my report, but I did not receive any notification or update about the status of the investigation. 

As a result of this unresolved issue, I have experienced a negative impact on my credit score due to missed payments, as I did not make payments while waiting for the outcome of the investigation. I believe I should have been informed promptly about the status of the investigation, especially since the account was listed as closed, and this lack of communication has caused me significant harm. 

I request that you investigate this matter immediately and take the necessary steps to either properly update the status of this account on my credit report or remove it entirely, as initially requested. I would also appreciate a clear explanation regarding the investigation process and why I did not receive any notification regarding the resolution of my dispute. 

Additionally, I would like to request that any negative impact on my credit score due to this situation be reconsidered and rectified. 

Please confirm receipt of this complaint and provide an update on your findings as soon as possible.

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 2025-02-06 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 2025-02-06 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 am writing to formally dispute and request the removal of unauthorized or incorrect hard inquiries from my credit report. Under the Fair Credit Reporting Act ( FCRA 1681b ( c ) ), companies must have my explicit authorization to access my credit file. Upon reviewing my report, I identified multiple inquiries that I did not authorize. 

The following hard inquiries should be removed immediately, along with their associated inquiry codes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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