vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-09 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: NV

Complaint narrative:
ON XX/XX/XXXX2024 SENT OUT DISPUTE LETTER TO DISPUTE SEVERAL ENTRIES ON MY CREDIT REPORT UNDER THE FAIR CREDIT REPORTING ACT ( FCRA ) THEN AGAIN ON XXXX/XXXX/24 WITH TRACKING NUMBER XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX. AS THE CERTIFICATED SECURITY HOLDER OF MY ESTATE I DEMANDED AN IMMEDIATE INVESTIGATION AND CORRECTION UPDATE ACCOUNTS AS PAID AS AGREED OR REMOVAL OF THE FOLLOWING : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AND ALL NEW, OLD INQUIRES. REASON FOR DISPUTE ACCOUNTS IS UNSUPPORTED BY ANY ORIGINAL, SIGNED CONTRACTUAL AGREEMENT. WITHOUT THE ORIGINAL CERTIFICATED SECURITY THE ACCURACY OF THIS ENTRY CAN NOT BE ASSURED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: TX

Complaint narrative:
XX/XX/year>2025 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, Texas XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern : I was reviewing my credit report and found several addresses that appear to be incorrect. I have attached documentation providing proof of my current address, as indicated on your website. 

To facilitate the removal process, here is a list of incorrect addresses I currently see in my report ( which I would like to be removed ) : XXXX XXXX  XXXX XXXX XXXX XXXXXXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA There should only be XXXX address in my report, which is : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, Texas XXXX. 

I also noticed that my name appears to be misspelled on my credit report. My name has only XXXX correct spelling and there should be no variations listed because my name does not have any variations. I have attached my photo ID to show the correct spelling. 

Once again, to facilitate the removal process, here are the incorrect spellings I see in the list : XXXX XXXX XXXX XXXX XXXX XXXX Additionally, I request the removal of the incorrect employers listed below : XXXX XXXX XXXX XXXX XXXX XXXX The only job I need listed is : XXXX XXXX XXXX XXXX XXXX Therefore , I kindly request that you delete this negative account as I am facing difficulties in ensuring my report is clean in the best possible way in order to continue with my legal process. 

Once the incorrect names, addresses, and employers have been removed from my credit report, please send me a copy of my updated credit report. 

Thank you for your attention and assistance in resolving this matter promptly. 

Sincerely, XXXX XXXX XXXX XXXX XXXX : Photo ID Proof of current 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 2025-01-09 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: NY

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

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than XXXX years old, other than records of convictions of crimes. 
Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

Company 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 2025-01-10 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:
I have discovered that my personal information was used without my authorization to open accounts and conduct transactions that I did not initiate. I strongly assert that these accounts and transactions are fraudulent, resulting from identity theft or fraud. Despite promptly reporting this issue to the appropriate authorities and the involved companies, the matter remains unresolved, and the fraudulent accounts and charges persist on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rent Recovery Solutions
State: FL

Complaint narrative:
Company is fraudulently reporting debt that was not owed to XXXX XXXX XXXX  I have moved out about XXXX  years ago never have been contacted about an owed balance from complex since then. Upon move out balance was paid in full to apartment complex. Complex had many unlivable conditions which is why I didnt renew lease complex had apartments with multiple break ins, bug infested apartments, and multiple crime cases in area and terrible leasing company that wouldnt address any concerns and would not assist with this matter which cause a huge safety concern to me. Complex had gotten so bad to the point US mails service wont even deliver mail there anymore due to constant break ins to mailbox area. I have tried to reach out to Rent Recovery solutions and request proof balance that was owed and breakdown of charges as well, Rent recovery solutions is reporting a balance of XXXX which I have never received a response or any type of assistance and also no assistance from apartment complex. Just take a peek into both companies reviews this tells you everything you need to about them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Addendum to complaint XXXX XX/XX/year> received a call from Wells Fargo mediation regarding my CFPB complaint She stated she was sending me an email allowing me to accept the mediation proposal of {$5000.00} I confirmed my email address. 
I open the email it was NOT as she described, instead it was a letter stating falsehoods regarding the mediation such as the date of the meeting and what was attested to by the mediation judge. 
XX/XX/year> I contacted Wells Fargo mediation team to request an explanation. I was told my case had no mediation representative any longer. He said he had heard of this woman and believed she may work, but he could not confirm it.

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 2025-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC
State: FL

Complaint narrative:
Acima took XXXX off my card without my consent I never authorized this transaction what happened was a person use my card to pay a deposit on a new bedroom set but this was not me I never had a contract with Acima so when I called they claimed that the payment didn't even post that's why they was calling me harassing me everyday but on my bank transaction it is there clear as day so this has really mess my month up I can't even pay for a bill due to the money that should have never been tooking in first place all they did was apologize no I want a refund I don't have any obligations or contacts with Acima plus this is a SSI payment from the government which is non garnishable so not only did you commit a crime you continue to constantly call and harass me over a debt that I don't even owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
TransUnion XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Request for Account Investigation and Removal To Whom It May Concern, I am writing to formally dispute several accounts listed on my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Please note that I have provided my identification, including a copy of my government-issued ID, Social Security card , and proof of residency, to facilitate your verification process. 

The following accounts are inaccurate, unverifiable, or incomplete and should be removed from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under Section 611 of the FCRA, I request that you investigate these accounts and provide proof of their accuracy, validity, and compliance with all consumer reporting requirements. If you are unable to verify the information in full compliance with federal law, these accounts must be deleted from my credit report immediately. 

Additionally, under Section 609 of the FCRA, I request the full method of verification used to confirm the validity of these accounts. This includes a copy of any documentation you used during the verification process.

Failure to respond to this dispute or to comply with the FCRA and FDCPA within 30 days of receipt of this letter will result in a formal complaint being filed with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for non-compliance. 

Please provide me with a copy of my updated credit report after completing your investigation. I expect this matter to be resolved promptly. 

Thank you for your attention to this matter. I look forward to your response. Request these be removed from tranunion, XXXX and 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 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Request for Account Investigation and Removal To Whom It May Concern, I am writing to formally dispute several accounts listed on my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Please note that I have provided my identification, including a copy of my government-issued ID, Social Security card , and proof of residency, to facilitate your verification process. 

The following accounts are inaccurate, unverifiable, or incomplete and should be removed from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under Section 611 of the FCRA, I request that you investigate these accounts and provide proof of their accuracy, validity, and compliance with all consumer reporting requirements. If you are unable to verify the information in full compliance with federal law, these accounts must be deleted from my credit report immediately. 

Additionally, under Section 609 of the FCRA, I request the full method of verification used to confirm the validity of these accounts. This includes a copy of any documentation you used during the verification process. 

Failure to respond to this dispute or to comply with the FCRA and FDCPA within 30 days of receipt of this letter will result in a formal complaint being filed with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for non-compliance. 

Please provide me with a copy of my updated credit report after completing your investigation. I expect this matter to be resolved promptly. 

Thank you for your attention to this matter. I look forward to your response. Request these be removed from XXXX, Experian and 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 2025-01-10 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: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-01-09 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: Kikoff Inc.
State: TX

Complaint narrative:
XXXX XXXX has been reporting a paid account negatively on my credit report! I owe no debt to this company whatsoever and have requested removal from this company several times! Kickoff lending llc is also reporting a paid account negatively on my credit report! I owe {$0.00} to these companies! I am aware of my rights and laws and will like to take further actions! I want these companies to remove any negative information/collections from off of my credit report immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: GA

Complaint narrative:
My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Struggling to pay mortgage — Foreclosure
Company: LoanCare, LLC
State: TX

Complaint narrative:
Purchased a manufactured mobile home in XX/XX/XXXX with XXXX XXXX XXXX, which went through extensive HUD inspections and the XXXX XXXX XXXX XXXXXX/XX/XXXX due to lack of proper inspection. Currently, Loancare LLC is attempting to foreclose the property without proper due course as the note holder Loancare LLC serves as the servicer, only. The home was not inspected for safety of the borrower nor considered the note holders interest in an unsafe home, which was passed through numerous HUD inspections for the approval of lender receiving funds for the purchase. Original promissary note has been altered from the original state since closing on XX/XX/XXXX. Under UCC 3-204 TRANSFER OF INSTRUMENT ; RIGHTS ACQUIRED BY TRANSFER. 
Primary tabs ( a ) An instrument is transferred when it is delivered by a person other than its issuer for the purpose of giving to the person receiving delivery the right to enforce the instrument. 

( b ) Transfer of an instrument, whether or not the transfer is a negotiation, vests in the transferee any right of the transferor to enforce the instrument, including any right as a holder in due course, but the transferee can not acquire rights of a holder in due course by a transfer, directly or indirectly, from a holder in due course if the transferee engaged in fraud or illegality affecting the instrument. 

( c ) Unless otherwise agreed, if an instrument is transferred for value and the transferee does not become a holder because of lack of indorsement by the transferor, the transferee has a specifically enforceable right to the unqualified indorsement of the transferor, but negotiation of the instrument does not occur until the indorsement is made. 

Loancare LLC has repeatedly contacted me via phone ( XX/XX/XXXX at XXXX XXXX  ), after being notified of legal representation. Loancare LLC did not communicate with my legal representation. 
15 USC 1692c 805 ( 2 ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorney 's name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer.

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 2025-01-10 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: Radius Global Solutions LLC
State: OH

Complaint narrative:
I am writing to formally dispute several items on my credit report, I discovered unauthorized accounts and transactions on my credit report from XXXX, XXXX, XXXX. I did not open these accounts or authorize these transactions. 
The following accounts/transactions are fraudulent : Collection Account with XXXX XXXX XXXXXXXX for the amount of {$9800.00} Credit cards : XXXX  XXXX and XXXX  XXXX accounts totaling {$930.00} and {$720.00} Collection account with Radius Global Solutions LLC for the amount of {$1500.00} Collection account with XXXX XXXX XXXX for the amount of {$1600.00} Credit Card : XXXX XXXX  for {$80.00} Multiple unauthorized inquires from medical debt resolut via XXXX XXXX XXXX, radius global solutions, XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX, XXXX XXXX 
I have taken the following steps to address this issue : Notified XXXX, XXXX, XXXX of the identity theft and requested a fraud alert on my files. 
Under sec. 605b and USC 1692

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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief