vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-20 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My credit report contains late payment remarks that I firmly believe are inaccurate and misleading. These incorrect records are unfairly lowering my credit score, and I refuse to accept this damage to my financial reputation. 

The following late payment remarks require immediate correction : Late Payment ( Experian ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have diligently maintained my financial responsibilities, yet these errors continue to create unnecessary obstacles. The FCRA clearly states that any incorrect, outdated, or unverifiable information must be promptly corrected or removed. I demand immediate action to rectify these errorsany further delay will be seen as deliberate negligence.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
After roughly 8 years not having to be told about having an escrow requirement of {$1200.00} ( estimated ) in my account. Ive been getting late fees of around {$65.00} at least the last 3 months because of this requirement. Its egregious and frivolous fee has affected me financially. I am living paycheck to paycheck and have often gone without eating on several occasions these last 3 months because of this ridiculous fee. I spent over an hour on the phone with the mortgage company trying to figure out how in XXXX I had a {$400.00} shortage when I requested an escrow analysis how I now owe {$1200.00} ( estimated ) for my escrow that isnt even due till end of year. I just paid my taxes and insurance at the end of the year. On my last statement XXXX XXXX XXXX XXXX it says that i have over XXXX in my escrow balance. So why am i being charged late fees if i am over the required XXXX I am a XXXXXXXX XXXX, the last 3 times Ive called they have exasperated XXXX XXXX XXXX, prevented me from doing my job trying to figure out what was going on with my account. This has XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have only missed 1 payment ( I made up the deficit with a payment plan ) I have over {$2000.00} in my escrow balance. This is a VA backed loan and Im being told I am being charged late fees for owing an escrow balance. This is not permissible under 1024.17 Regulation X or any mortgage laws. I need my late fees returned to me, I need my credit to reflect I made my payments on time and Ive spent well over 2 hrs dealing with this and have had XXXX XXXX XXXX exasperated several times. Please levy fines and reparations for Freedom Mortgage company

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: TX

Complaint narrative:
I am filing this complaint because Transunion has failed to properly investigate and correct errors on my credit report, as required under the Fair Credit Reporting Act ( FCRA ). Despite multiple disputes, the agency continues to claim that the accounts in question are accurate and verified, even though my records clearly show numerous errors. 

I have provided supporting documentation, including copies of my credit report with highlighted discrepancies, yet the agency has not conducted a reasonable investigation as required by law. Instead, they have repeatedly verified inaccurate information without properly addressing my concerns. 
These errors are negatively impacting my credit standing, and the agencys failure to fulfill its legal obligation under the FCRA has caused undue harm. 

I am requesting that the CFPB intervene to ensure that a proper investigation is conducted and that the errors on my report are corrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning 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 2025-03-20 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: CA

Complaint narrative:
I am writing to file a formal and urgent complaint regarding the illegal and unlawful reporting of my credit information by XXXX XXXX XXXX. Despite my consistent, on-time payments excluding two late payments the company continues to falsely report a balance on my credit report that is grossly inflated, far exceeding what is owed. 

I have made multiple attempts to resolve this issue directly with XXXX XXXX, including sending two formal letters ( XX/XX/XXXX, and XX/XX/XXXX ) demanding correction of this discrepancy. My account, XXXX, opened in XX/XX/XXXX, clearly shows a balance that should be under {$500.00}, yet XXXX XXXX persists in reporting a balance exceeding {$7000.00}, which is completely inaccurate and in violation of federal law. 

I have also disputed this issue XXXX separate times with the credit bureaus, on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, but no action has been taken to correct the error. XXXX XXXX has not responded adequately to my dispute and continues to maliciously report an inflated balance, which is not only misleading but also damaging my XXXX XXXX and financial standing. 

This egregious violation of the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ) is entirely unacceptable. The continued reporting of a falsely inflated balance has caused me significant harm, and XXXX XXXX blatant disregard for my legal rights is appalling. I demand immediate action to correct this fraudulent reporting and ensure that the balance reported reflects the amount owed, which should be under {$500.00}. 

I request that the CFPB investigate XXXX XXXX illegal practices, take appropriate enforcement action, and require them to remove the inflated balance from my credit report. Furthermore, I demand that XXXX XXXX provide a clear and immediate explanation for their failure to correct the issue despite my numerous attempts to resolve this matter. 

Thank you for your attention to this urgent issue. I trust that the CFPB will act swiftly to hold XXXX XXXX accountable for its actions and to prevent any further damage to my financial standing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to file a formal and urgent complaint regarding the illegal and unlawful reporting of my credit information by XXXX XXXX XXXX. Despite my consistent, on-time payments excluding XXXX late payments the company continues to falsely report a balance on my credit report that is grossly inflated, far exceeding what is owed. 

I have made multiple attempts to resolve this issue directly with XXXX XXXX, including sending XXXX formal letters ( XX/XX/XXXX, and XX/XX/XXXX ) demanding correction of this discrepancy. My account, XXXX, opened in XX/XX/XXXX, clearly shows a balance that should be under {$500.00}, yet XXXX XXXX persists in reporting a balance exceeding {$7000.00}, which is completely inaccurate and in violation of federal law. 

I have also disputed this issue XXXX separate times with the credit bureaus, on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, but no action has been taken to correct the error. XXXX XXXX has not responded adequately to my dispute and continues to maliciously report an inflated balance, which is not only misleading but also damaging my credit score and financial standing. 

This egregious violation of the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ) is entirely unacceptable. The continued reporting of a falsely inflated balance has caused me significant harm, and XXXX XXXX blatant disregard for my legal rights is appalling. I demand immediate action to correct this fraudulent reporting and ensure that the balance reported reflects the amount owed, which should be under {$500.00}. 

I request that the CFPB investigate XXXX XXXX illegal practices, take appropriate enforcement action, and require them to remove the inflated balance from my credit report. Furthermore, I demand that XXXX XXXX provide a clear and immediate explanation for their failure to correct the issue despite my numerous attempts to resolve this matter. 

Thank you for your attention to this urgent issue. I trust that the CFPB will act swiftly to hold XXXX XXXX accountable for its actions and to prevent any further damage to my financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are picture ID, a bill and a letter helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items of which only 2 are required per the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: LA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: TN

Complaint narrative:
My identity has been stolen, and I am seeking your help AGAIN to swiftly remove these fraudulent items. I kindly request that you delete this specific item as soon as possible and ensure that all other incorrect details are promptly 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 2025-03-20 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX ( Bank ) XX/XX/XXXX, XXXX am writing to report multiple fraudulent inquiries that have appeared on my credit report. I have reason to believe that my personal information has been stolen and used without my authorization. This situation has caused me significant distress, and I am seeking your immediate assistance in resolving the matter. 
XXXX XXXX ( Bank ) XX/XX/XXXX, XXXXXXXX XXXX  XXXX XXXX XXXX XXXX  XX/XX/year> /

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XX/XX/XXXX I recently received a copy of my ( Experian, XXXX, or XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations.

Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, 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 2025-03-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: VT

Complaint narrative:
I have been trying to contact MOHELA for nearly two months about my federal student loans. They dont answer when I stay on hold ( for hours ), they dont call back when you call and ask for the call back when its your place in the queue, and then dont answer emails. For example, they say in their answering message that the best time to call is thursday and friday XXXX to XXXX XXXX XXXX I waited and called exactly then this morning and was given confirmation that Id get a call back when the current wait time ( XXXX hours ) was up. That was at XXXX this morning, I am submitting this complaint past XXXX. I am receiving emails that I have options for repayment plans, and that if I dont pay up ( the incorrect amount ) then its at risk of default. I have re-submitted my XXXX applicationsXXXX XXXX ( approved with federal student aid ) application, SAVE applications, etc. to try and fix this and asked for my loans to be placed on forbearance until this is settled, but no one will do anything and no one will allow me get in contact with them to fix it. I want to pay what I owe, but what they claim I owe is not accurate. I know this servicer, MOHELA, has been proven guilty of making it impossible to get in touch with them in efforts of making borrowers pay more than they have to. I fear that is exactly what is going on and I need this inaccurate information removed from my credit report as soon as possible. I am aware that they must respond to my request for information within 30 days ( I also included this in my email to them ), it has been well past 30 days and I have gotten nothing. Another example of backdoor exploitation for profit, its terrible. 

Thank you for your time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: TX

Complaint narrative:
I have been receiving multiple calls from portfolio recovery including on XXXX and XXXX, i have written to them requesting a proof of the debt they are attempting to collect via mail and they have not responded to that request but keep calling me attempting to collect the debt. i have no idea what debt they are attempting to collect and per the credit snapshot displayed on my credit report, it indicated this account status is open was a opened on XX/XX/year> for the amount of {$710.00}. i have no information from this agency to indicate what debt they are attempting collect and they have also failed to show proof of any agreement or contracts signed. I have become tired of them harassing and calling me literally multiple times a day with no information of what they're attempting to collect for but keep harassing me about making payments to them. Kindly address this matter at your earliest convenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Since I am not aware of any similar inquiries, it appears that this one is unauthorized and fraudulent. Please take immediate action to resolve this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: FL

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation