vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-20 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: TX

Complaint narrative:
I have at multiple occasions informed the credit bureaus about the wrong information on my credit report. All of these accounts have been paid off or closed or inaccurate information. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: MUTUAL OF OMAHA MORTGAGE, LLC
State: MO

Complaint narrative:
To Whom It May Concern : I connect with a Realtor by the name of XXXX XXXX with XXXX XXXX XXXX. I communicated to him to correspond me via email, NOT using cell phone texting when speaking about lenders and filling out information pertaining to a home loan. 

XXXX communicated to me a lender, XXXX XXXX XXXXXXXX XXXX XXXX XXXX First he communicated to me a person by the name of XXXX who is a Senior Loan Officer at XXXX XXXX XXXX. Then, he and XXXX communicated to me to use XXXXXXXX XXXX when applying for XXXX XXXX XXXX. 

Now this is very confusing, especially since I conducted research, especially on XXXX XXXX XXXX  website and neither person exists. Continuing, I contacted XXXX XXXX XXXX and could not make out who I was speaking with, such that he was no help in confirming if XXXX or XXXX is an employee of XXXX XXXX XXXX in any capacity. 

I have saved the text messages but have blocked all parties from contacting my cell phone as a precautionary measure. 

Please address this matter with XXXX XXXX XXXX and provide feedback. 

Thank You, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 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: WA

Complaint narrative:
I am asking for your assistance in looking into accounts from companies that have incorrectly reported late payments. After reviewing my credit report, I found some accounts showing late payments that are not accurate. These accounts should not have any such remarks. Please remove these errors and update the accounts to show a positive status as agreed.

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 2025-04-19 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: Velocity Portfolio Group
State: FL

Complaint narrative:
1. The law firm of XXXX XXXX, XXXX XXXX, XXXX has been contacting me as a collection agency regarding a supposed breach of contract with Velocity Investments , Inc., which does not exist. I requested a copy of the original contract bearing my signature, but they have failed to provide this documentation. Meanwhile, I continue to receive numerous letters from other law firms offering to represent me in a lawsuit initiated by their firm. I kindly ask that this harassment cease immediately, as they have failed to substantiate the claim that this debt is mine. Their actions have caused damage to my credit and are negatively impacting my overall well-being. 

2.The law firm of XXXX, XXXX & XXXX XXXX XXXX. L has been contacting me as a collection agency regarding a supposed breach of contract with XXXX XXXX XXXX, which does not exist. I requested a copy of the original contract bearing my signature, but they have failed to provide this documentation. Meanwhile, I continue to receive numerous letters from other law firms offering to represent me in a lawsuit initiated by their firm. I kindly ask that this harassment cease immediately, as they have failed to substantiate the claim that this debt is mine. Their actions have caused damage to my credit and are negatively impacting my overall well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
TransUnion is constantly dropping my credit score since I first complained my score has dropped over XXXX points without cause

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 2025-04-19 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: NJ

Complaint narrative:
I am writing to request verification of the debt referenced above, which you claim I owe. This is not a refusal to pay but a request for information regarding your claim. I assert my right to a written validation of this debt under the laws set forth in the Fair Debt Collection Practices Act. 

Please provide the following : XXXX. Verification and validity of the debt, including the amount owed and calculations to substantiate the sum, as well as a breakdown of any fees, interest, or other costs added. 
XXXX. A copy of the original signed agreement or instrument that states I agreed to pay the creditor. 
XXXX. Verification that your agency is legally permitted to collect this particular debt in my state, including licensing information. 
XXXX. The name and address of the original creditor. 
XXXX. Details of the last payment made on this account, showing any transactions related to this account. 

Please note that I request all future communication regarding this matter be conducted in writing. 

If you can not provide the requested information, I expect the collection attempt to be ceased and for this account to be removed from my credit report with any bureau to which you may have reported. 

While you are verifying this debt, I would appreciate your cooperation by halting any future collection activities. In accordance with my rights, please provide the requested documentation to help me better understand and validate your claim.

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 2025-04-19 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: Sunbit, Inc.
State: TX

Complaint narrative:
This information on my report is incorrect I need it removed immediately I already did an ftc report to get this resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA
State: DC

Complaint narrative:
This company has continue to commit fraud with my stolen identity after requesting for documents. 
Ive enclosed the perpetrator that stole my identity in the package.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 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: NV

Complaint narrative:
I am writing to request the immediate removal and blocking of these unauthorized accounts from my credit report. I did not open or approve them, and I have no connection to them. Under the guidelines of XXXX XXXX, I am requesting their deletion within the next XXXX days. Please review the enclosed documentation. I also noticed that the reported information varies between bureaus, making it inaccurate and misleading

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 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: KY

Complaint narrative:
I am writing to formally dispute and demand the removal of the following inaccurate and unverified negative accounts and collections currently appearing on 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 2025-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
on or around XX/XX/year> My online information, address kept changing I would get a notice it changed, I would log in and switch it. It would quickly change to another address, I contacted the bank 's XXXX # was quickly sent to the fraud dept and advised that it was happening at a branch level, they gave us the name of the teller who was making the change and stated that it was against bank policies to do this. We made an appointment went into the bank and the branch manager stated that the changes were legal, and that someone presented the secretary of the state signature, saying they were now the new owners of the company ( Even though they hadn't paid for the business, they made the changes with fraudulent paperwork, which we would come to learn that he was using a fictitious name and was actually a convicted felon ). We stated we sold the business not the accounts and that information was never part of the agreement, not to mention it has all our personal finances from before and we've owned the account for over 17 years. Shortly after that we were locked out of all our online accounts, business and personal with no access. Having 2-loans through wellsfargo for an auto and equipment ( since being locked out of online banking ) We deposited a paper check through a branch wrote the account number on the check for which the payment was for and then received the check back 1-2 weeks later stating their were no accounts associated with those numbers.

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 2025-04-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Credit Karma, LLC
State: TN

Complaint narrative:
I was offered to refinance my vehicle at the rate of 12.04 %. They knew what my credit score was, and they lied about the interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: SC

Complaint narrative:
If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am submitting a formal complaint regarding inaccurate and inconsistent credit reporting on my XXXX XXXX ( XXXX ) auto loan account, referenced as XXXX * * * * across XXXX, Experian, and XXXX. While the account is correctly listed as closed and paid with a {$0.00} balance, all three credit bureaus are reporting a 30-day late payment for XX/XX/XXXX. This is my primary concern. I am requesting that the CFPB highlight this issue and require XXXX XXXX and the credit bureaus to furnish full documentation proving the late payment occurred, such as billing statements, due dates, payment records, and any official correspondence. If such evidence can not be provided, this derogatory remark must be permanently removed from all credit reports, in accordance with the Fair Credit Reporting Act ( FCRA ). Additionally, there are multiple data inconsistencies across the bureaus, including different dates for account opening ( XX/XX/XXXX on XXXX  vs. XX/XX/XXXX on Experian and XXXX  ), last activity ( ranging from XX/XX/XXXX to XX/XX/XXXX ), and date of last payment. These conflicts call into question the accuracy and reliability of the reporting. The inaccurate late mark has negatively impacted my creditworthiness, resulting in credit denials and financial stress. I respectfully ask the CFPB to ensure that only accurate, verified, and consistent information remains on my credit profile, and that this matter is corrected in a timely manner.

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 2025-04-19 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: IL

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

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 2025-04-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION
State: AL

Complaint narrative:
I reached out to Regional acceptance to ask them to show send me the original contract bearing my signature proving I am financially obligated to the for the amount that is reported, They did not respond and as required by Law since my credit has been compromised and my information leaked that they should remove it 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 2025-04-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Goal Structured Solutions, LLC
State: CT

Complaint narrative:
Launch services resumed my payments for my loan for XX/XX/XXXX while I was still attending College and didn't graduate until XX/XX/XXXX. Additionally they did not offer to reevaluate payments based on the grace period upon completing school of 60 days or 6 months. They reported to my creditors for delinquency while items where being resolved. The only contact that I have with the company has been to collect the debt. never a answer to why the payment was expected to begin prior to grace period.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX Ohio XXXX XXXX XXXX XX/XX/XXXX Transunion Attn : Consumer Relations Department TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX Re : Dispute of Incorrect Name and Address Information on Credit Report Dear Sir/Madam, I am writing to formally dispute inaccurate information regarding my personal name and addresses that appear on my credit report. I recently obtained a copy of my credit report and noticed several discrepancies that need to be corrected immediately. 
The details of the inaccurate information are as follows : XXXX. Name Discrepancy : Incorrect Name ( s ) Listed : ALSO KNOWN AS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Correct Name : XXXX XXXX XXXX 2. Address Discrepancy : Incorrect Address ( es ) Listed : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX Correct Address : XXXX XXXX XXXX XXXX ohio XXXX These inaccuracies may be affecting my creditworthiness, and I request that the information be corrected as soon as possible. I ask that you thoroughly investigate this issue and update my credit report to reflect my correct name and address. 
Please also ensure that the incorrect addresses are removed, and my file is updated to reflect only valid and accurate information. I understand that under the Fair Credit Reporting Act ( FCRA ), you are required to investigate my dispute within 30 days and notify me of the results. 
I have enclosed the necessary documentation to assist in verifying my identity and correcting the information. This includes : A copy of my government-issued ID ( e.g., driver 's license or passport ) showing my correct name and address. 
A utility bill or other official document that verifies my current address. 
Please ensure that any outdated or incorrect addresses are removed and that my credit report is updated accordingly. 
I appreciate your prompt attention to this matter and request a written confirmation that these corrections have been made. If you require any additional documentation or information to resolve this dispute, please do not hesitate to contact me. 
Thank you for your cooperation. 
Sincerely, XXXX XXXX XXXX XX/XX/XXXX # XXXX Enclosures : Copy of Government-Issued ID Utility Bill/Official Document Showing Correct Address

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 2025-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX Ohio XXXX XXXX XXXX XX/XX/XXXX Transunion Attn : Consumer Relations Department TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX Re : Dispute of Incorrect Name and Address Information on Credit Report Dear Sir/Madam, I am writing to formally dispute inaccurate information regarding my personal name and addresses that appear on my credit report. I recently obtained a copy of my credit report and noticed several discrepancies that need to be corrected immediately. 
The details of the inaccurate information are as follows : XXXX. Name Discrepancy : Incorrect Name ( s ) Listed : ALSO KNOWN AS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Correct Name : XXXX XXXX XXXX 2. Address Discrepancy : Incorrect Address ( es ) Listed : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX Correct Address : XXXX XXXX XXXX XXXX ohio XXXX These inaccuracies may be affecting my creditworthiness, and I request that the information be corrected as soon as possible. I ask that you thoroughly investigate this issue and update my credit report to reflect my correct name and address. 
Please also ensure that the incorrect addresses are removed, and my file is updated to reflect only valid and accurate information. I understand that under the Fair Credit Reporting Act ( FCRA ), you are required to investigate my dispute within 30 days and notify me of the results. 
I have enclosed the necessary documentation to assist in verifying my identity and correcting the information. This includes : A copy of my government-issued ID ( e.g., driver 's license or passport ) showing my correct name and address. 
A utility bill or other official document that verifies my current address. 
Please ensure that any outdated or incorrect addresses are removed and that my credit report is updated accordingly. 
I appreciate your prompt attention to this matter and request a written confirmation that these corrections have been made. If you require any additional documentation or information to resolve this dispute, please do not hesitate to contact me. 
Thank you for your cooperation. 
Sincerely, XXXX XXXX XXXX XX/XX/XXXX # XXXX Enclosures : Copy of Government-Issued ID Utility Bill/Official Document Showing Correct Address

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I request customer service to apply my tax exempt documentation to my account and was denied

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