vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-09 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
My credit report contains incorrect address information that needs to be removed. I have attached supporting documents to verify my request, and I urge you to update my records accordingly. Please prioritize this matter and remove these inaccurate addresses 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 2025-04-09 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: MD

Complaint narrative:
To Whom This May Concern, I am following up on my complaint ID XXXX, I received information from you that my case was closed today and that MOHELA had my loans back in repayment at the {$520.00} a month on XXXX ; however, MOHELA has not put my loans back into repayment and I am still wrongfully under forbearance and not able to make payments. I was wrongfully put into forbearance in XX/XX/XXXX and have contact MOHELA, XXXX, The Department of Education, and through your website multiple times. I have always had an active XXXX application and have not had to recertify until XX/XX/XXXX. I however can not get through to MOHELA to resume my payments. The extended delay in resuming my payments is wrongfully penalizing me and causing me serious stress and a burden. I have been trying to resume my payments for the last XXXX months without any action taken. I am requesting that there is immediate removal of my forbearance and my loans go back under my XXXX plan. Please provide me with a number I can contact you on to resolve this concern.m Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: CA

Complaint narrative:
I kindly ask that you block and remove the unauthorized accounts from my credit file without delay. I have no knowledge of these accounts, nor did I authorize them. Under the provisions of USC 1681g, Im requesting that these be deleted within 15 days. Enclosed are the necessary documents for your review. Please note that the reported information varies between bureaus and appears to be 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 2025-04-09 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:
I am requesting the removal of any profiles, under XXXX ( A ) as credit bureaus have not complied with previous digital requests, and repeatedly harassed me via physical mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: AL

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 2025-04-09 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) for deceptive and misleading 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 explanation
Consumer complaint received 2025-04-09 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: MA

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 2025-04-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Hello, I've contacted Wells Fargo Home Mortgage several times requesting for XXXX stale checks to be re-issued. The first contact was XX/XX/XXXX and was told by the representative she see where the checks were still valid and I should receive the XXXX checks within XXXX to XXXX business days. I waited and called back 30 days later after not receiving the replacement checks for the XXXX checks, XXXX totaled {$350.00} dated XX/XX/XXXX and the other totaled XXXX dated XX/XX/XXXX - XXXX was placed on hold after representative stated they would look into it and after waiting XXXX mins the call was dropped. The last time I called again asking about the checks I was on the call for over an hour with a representative who kept putting me on hold stating she was researching the checks. She was able to locate the checks but could not locate why they weren't re-issued. She then told me after almost XXXX hours on the phone I need to put in writing to request for the checks to be re-issued because she could not tell if I was entitled to the checks. When I asked why I was not asked to do this back in XXXX when I first made the phone call, she then said let her look into the issue some more, she placed me on hold and then somehow I was placed back in the queue to have to start the call all over again. This all started when I tried to deposit the checks to a new bank account that I opened with Wells Fargo but the checks was returned because they were stale because of the date. This happened back in XXXX, I called the bank and was told I needed to contact WFHM and ask for the checks to be reissued. I did this and as of today I've yet receive any type of answer to why I haven't or can't receive my payment. I'm struggling to try and make these payments with this new interest rate increase that I NEED MY MONEY to make my next schedule payment. I feel as though I've been battling with Wells Fargo with every turn of trying to get help.

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 2025-04-09 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: VA

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: GA

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-04-09 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: MA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: MA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Synchrony all edges that transactions occurred using the PayPal credit card. The transaction history does not correspond with PayPal account activity. After filing billing disputes, a senior supervisor informed that this defined as fraud and instructed me to file all spending transactions as fraud. I did so in XX/XX/year>. The account was closed and some credits were provided however none were denied. They also removed all reporting of the account to the credit reporting agencies. 3 months later the balance reappeared and interest was despite no balance being applied towards interest. I was then reported adversely to the credit reporting agencies as 120 days late. They then refiled the fraud dispute and provided permanent which left a balance of - {$3200.00}. They fully acknowledge that they are responsible for paying me this amount. Synchrony bank acknowledges and has accepted full responsibility for the egregious errors which have occurred. They admitted countless ethical violations, acknowledged illegal acts on their part, as well as their explicit non-compliance with regulation and other antitrust laws which govern them. They acknowledge fraud on the transaction and security failures on their part. They also acknowledge that I have fully cooperated with the process, exemplifying patience and professionalism. They stated the fraud and account takeover has become beyond their control and that they do not have means to correct the issues. They stated they are guilty they are guilty of misrepresenting this product and while they continue to correct the issue more and fraud occurs with no competant explanation as to why or reason for it. There is currently a balance on a closed card for {$1900.00} + dollars. They stated that I am not responsible for this yet nothing is done to end this nightmare. This has gone on for 4 plus years. The time I have spent away from work in order deal with this and the financial consequences from the adverse reporting to the credit reporting agencies has been catastrophic as it now exceeds over {$1.00} XXXX ( at a minimum ). In fact it is costing synchrony bank more money than the current balance to continue forward with this account.

Please note : that synchrony bank accepts this dispute as valid statement and proof as evidence that I am making this statement. Additionally they have already affirmed that I am not liable for any resulting negative consequences as a result of this account and its related accounts, etc. I have filed this dispute at their instruction and in their presence.

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 2025-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
b"I block the calls, they used many different numbers to continue to harass and intimidate me. \nPortfoliorecov is the name\nnumbers used in the past few days include.\n1 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  \nI deleted the rest because I need not be reminded of them. I understand there are a lot of Millers, I have an addicted son who lost his home and more because of the addiction. I currently have a XXXXyear PFA on him for injuring my wife. e do now speak. This may be his debt I don't know?"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: WA

Complaint narrative:
I am writing to file a formal complaint regarding discrepancies in the remaining balance of my mortgage loan with XXXX  XXXX Mortgage. 

In 2008, I entered into a loan extension with Bank XXXX XXXX for a exended period of an additional XXXX years and after they had approved a continuance to prevent foreclosure on my property. Since then, I have been making regular monthly mortgage payments, and even throughout the XXXX pandemic, I have never missed a payment. 

However, I am concerned that despite making consistent monthly payments of {$2100.00} for over 20 years, my current loan balance remains at {$240000.00}. Over the course of these 20 years, I have paid a total of more than {$370000.00}. Yet, according to my loan statements, only {$87000.00} has been applied toward the principal of the loan. 

Additionally, while my mortgage interest rate is 3.85 %, the remaining loan balance does not seem to reflect this low interest rate. Based on the amounts I have paid over the years, I believe I should owe no more than around {$100000.00}, not {$240000.00}. 

I respectfully request a thorough investigation into this matter to determine why the remaining balance is so high despite my consistent payments and the extended terms of the loan. 

Thank you for your attention to this issue, and I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: DC

Complaint narrative:
I notified the XXXX and the other agencies that XXXX companies on my credit report refused to provide a XXXX and that the reporting was inaccurate and they refused to help or remove the inaccurate information Also XXXX items that were paid and deleted continues to appear on my credit report. 

I was denied housing because of all the inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation
State: DC

Complaint narrative:
I notified the XXXX and the other agencies that XXXX companies on my credit report refused to provide a XXXX and that the reporting was inaccurate and they refused to help or remove the inaccurate information Also XXXX items that were paid and deleted continues to appear on my credit report. 

I was denied housing because of all the inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: NJ

Complaint narrative:
Dear Transunion, I am reaching out regarding an account listed on my credit report, which was marked as a repossession and charged off by XXXX XXXX XXXX XXXX XXXX XXXX  ). Upon reviewing my report, I have noticed that this account is still being updated every month as " charged off, '' but it also reflects an active payment history. This is inconsistent with how a charged-off account should be reported, as no payments should be shown on a charged-off account. 
According to the Fair Credit Reporting Act ( FCRA ), all information reported to credit bureaus must be accurate and verifiable. A repossession charge-off should not include an active payment history if the account was indeed charged off. Additionally, under 15 U.S.C. 1681i of the FCRA, I am entitled to dispute any information on my credit report that I believe to be inaccurate, and the creditor is required to verify and correct any discrepancies. 
I have previously contacted XXXX XXXX about this issue, but they only verified the account without providing adequate proof of the payment history or addressing the reporting errors. 
Given the inaccuracies in reporting, I kindly request that you remove this account from my credit report in accordance with the FCRAs guidelines for correct and accurate credit reporting. The continued presence of this incorrect information is damaging my creditworthiness, and I would appreciate your prompt attention to this matter. 
Thank you for your time and assistance. I look forward to your response and the swift resolution of this issue. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-09 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: IL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

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