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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX BIRTHDAY DATE : XX/XX/XXXX XXXX DATE : XX/XX/XXXX In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Jection 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not 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. 
Delete these hard inquiries : XXXX. ) XXXX XXXX XXXX via XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX XXXX. ) XXXX XXXX XXXX via XXXX XX/XX/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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
on XX/XX/XXXX16 there was a fraudulent credit card from XXXX XXXX XXXX using my personal information for the amount of {$5900.00} i have filed a ftc report and have contacted the police there was also on XX/XX/XXXX/2024 another fraudulent credit card taking out using my personal information with XX/XX/XXXX for the amount of {$5600.00}. also on XX/XX/XXXX2016 there was a fraudulent credit card from XXXX for the amount of {$10000.00} opened up using my personal 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 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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
on XX/XX/XXXX there was a fraudulent credit card from XXXX taking out using my personal information for the amount of {$5900.00} i have filed a ftc report and have contacted the police there was also on XX/XX/XXXX another fraudulent credit card taking out using my personal information with XXXX for the amount of {$5600.00}. also on XX/XX/XXXX there was a fraudulent credit card from XXXX for the amount of {$10000.00} opened up using my personal information

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
on XX/XX/XXXX there was a fraudulent credit card from XXXX taking out using my personal information for the amount of {$5900.00} i have filed a ftc report and have contacted the police there was also on XX/XX/XXXX another fraudulent credit card taking out using my personal information with XXXX for the amount of {$5600.00}. also on XX/XX/XXXX there was a fraudulent credit card from XXXX  for the amount of {$10000.00} opened up using my personal 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 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MI

Complaint narrative:
There is a XXXX  reporting on my credit report, These XXXX  is not mine and is result of XXXX. Please REMOVE it from my credit report IMMEDIATELY! because it is hurting my credit score so much. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID, Proof of Address with my most recent billandSSNCard.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I received an alert from XXXX that XXXX had placed a XXXX dollar utility charge off on my report for an account opened in XXXX of XXXX and closed in XXXX of XXXX for an unrecognized address in XXXX ( XXXX XXXX XXXX, XXXX TX XXXX XXXX acct XXXX  ) I Completed a dispute form for them and with the other 2 agencies ( EquifaxXXXX XXXX XXXX Dispute made on XX/XX/XXXX. All agencies claimed they were investigating it. I called Equifax to inquire 3 days later on 1/2 and was told they were still investigating. Then 2 hours later got an update that it was closed stating " We verified that the info belonged to you ''! No details, no supporting documentation, no nothing as to what was used to verify it, just said the original source stated it was true! Which makes no sense as that means nothing was done. XXXX the utility company being disputed stated that they were investigating it, thus unsure how Equifax could have stated it was verified and closed the investigation. XXXX was given all supporting documentation requested and it is still under investigation. 
This complaint is against Equifax for not investigating consumer complaints and closing them with no documentation or information of what was used to verify the information.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
DEPT OF EDUCATION : # XXXX, XXXX XXXX  : # XX/XX/year>, has violated my rights.

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 2025-01-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
I have never been late on my payments and have made them every month by the 15th. They are now charging late fees even though I am within the grace period. They have also said I missed a payment when the loan was sold and every time I called every person said something different they just keep putting illegal fees on top of fees that can not be legal. Mr. Cooper should not be in service I want my mortgage sold to someone else

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: 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: GA

Complaint narrative:
I am seeking your assistance in reviewing accounts from companies that are inaccurately reporting late payments. After being laid off, I requested forgiveness for these payments, and they agreed, yet the late payments are still being reported. Despite reaching out, Ive received no updates, making this my final attempt to resolve the 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 non-monetary relief
Consumer complaint received 2025-01-10 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: GA

Complaint narrative:
I am seeking your assistance in reviewing accounts from companies that are inaccurately reporting late payments. After being laid off, I requested forgiveness for these payments, and they agreed, yet the late payments are still being reported. Despite reaching out, Ive received no updates, making this my final attempt to resolve the 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 2025-01-09 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: Eastern Revenue, Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Original creditor XXXX XXXX XXXX XXXX Subject : Request for Account Information Account Number : XXXX Dear Sir/Madam, I am writing regarding the above-referenced account reported on my credit report. I am not disputing this account. However, I am requesting additional information to fully understand the details of this account. Please provide me with the following : XXXX. The date of the first delinquency on the account. 
XXXX. The date of the last payment made on the account. 
XXXX. The date the account was charged off. 

I appreciate your cooperation in providing this information and look forward to your prompt response. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

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 — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
XXXX left a record on my credit report for a mortgage loan for a home that I sold XXXX years ago. The record shows a {$0.00} balance but it is still preventing me from getting a new loan on my new home. It needs to be removed entirely. I tried to call them but got a never ending automated phone system and could not reach a real person before eventually dropping the call. It asked me for the loan number of my social security number but when i entered them it said it couldn't find a match. I also tried to chat with XXXX online but I can not get into the site because I do not have an account to log into. So, I can not reach them other then by mail which is an unreasonably slow solution for a more urgent and imminently fixable problem. The home is XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. My loan number according to my credit report is XXXX or XXXX. My SSN is 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 2025-01-09 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: FL

Complaint narrative:
My account 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 XXXX days before the payment due date. 


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


I have requested proof that this information was mailed or delivered XXXX 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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I noticed that inaccurate accounts are showing up on my credit report this morning and I have no idea why. I just checked my credit report as usual, but this time there were discrepancies out of nowhere. I tried refreshing my browser to see if it was just a glitch or something but it was not. The inaccurate accounts did not get removed when I refreshed my browser. Because of this issue, I am asking that the documents I've sent will be checked thoroughly so that I can never worry again about this.

Company response to consumer: Closed with non-monetary relief
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 information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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 information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
ON XX/XX/XXXX SENT OUT DISPUTE LETTER TO DISPUTE SEVERAL ENTRIES ON MY CREDIT REPORT UNDER THE FAIR CREDIT REPORTING ACT ( FCRA ) THEN AGAIN ON XX/XX/XXXX WITH TRACKING NUMBER 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, XXXXXXXX XXXX XXXX XXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX XXXXXXXX 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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently review my credit report I was shocked to see that I have been a victim of identity theft. I found a numerous closed accounts on my credit report that was not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove fraudulent closed accounts from my credit report as soon as possible. Here is the accounts XXXX XX/XX/XXXX, Date open XX/XX/XXXX, Account number XXXX, Account balance {$160.00}. XXXXXXXX XXXX Date open XX/XX/XXXX, Account number XXXX, Balance {$2100.00}. XXXXXXXX XXXX Date open XX/XX/XXXX, Account number XXXX, Balance {$6900.00}. 
Please remove this fraudulent closed account from my credit report. I am also attaching copy of my driver license, social security, utility bill and identity theft report. 

Thank you in advance.

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 2025-01-10 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXXXX/XX/year> Here I attach, along with the dispute, my fraud report that I just sent to Experian for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
CFPB Complaint Against Equifax and XXXX Complainant : XXXX XXXX XXXX XXXX. Introduction : I am filing this complaint against Equifax and XXXX for their continued inaccurate reporting of a XXXX XXXX XXXX on my credit report. Despite receiving verifiable documentation that courts do not report bankruptcy records to credit bureaus, both credit reporting agencies have failed to remove the XXXX XXXX  public record, but both agencies removed the XXXX XXXX 

Additionally, XXXX continues to report accounts associated with a previously disputed XXXX XXXX bankruptcy that was removed, which Equifax has already removed the accounts associated with the XXXX XXXX 

XXXX. Supporting Evidence Provided : XXXX. Court Letter : Confirmation from the XXXX XXXX XXXX that courts do not report bankruptcies to credit bureaus. 
XXXX. XXXX Statement : Confirmation that no bankruptcy data is provided to credit reporting agencies. 
XXXX. XXXX Cease-and-Desist Letters : Requests to stop furnishing my data, including proof of opt-out and data freeze requests. 

XXXX. Violations of Federal Law : 1. FCRA Section 611 : Failure to conduct a proper investigation of disputed information. 
XXXX. FCRA Section 607 ( b ) : Requirement to maintain maximum possible accuracy in consumer reports. 
XXXX. FCRA Section 604 : Unauthorized access and use of public record data from XXXX despite opt-out and freeze requests.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I have a mortgage with Shellpoint/now New Rez. There are two buildings on this property. Each has its owner insurance policy. They are collecting the funds for property taxes and insurance to pay both insurance policies. But, they only paid one. I have called them, escalated with them, sent them both bills twice. They do this every year. They are in violation of the trust funds regulations and laws and should be audited extensively and severely fined for poor management of consumer funds.

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: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 ) : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXXXXXX XXXX There should only be one address in my report, which is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I also noticed that my name appears to be misspelled on my credit report. My name has only one 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 XXXXXXXX XXXX XXXX XXXX XXXX The only job I need listed is : " XXXX XXXX '' " XXXX XXXX XXXXXXXX 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