vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-04 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:
Despite previous disputes and your failure to correct the inaccurate information on my credit report, this is a formal notice of intent to sue for continued violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Your companys repeated negligence has caused me significant financial and personal harm. If these inaccuracies are not resolved immediately, I will have no choice but to pursue legal action under the following statutes : FCRA 15 U.S. CXXXXe XXXXn Civil Liability for Willful Noncompliance FCRA 15 U.SXXXX CXXXXe XXXXo Civil Liability for Negligent Noncompliance FDCPA 15 U.S. CXXXXe XXXX Civil Liability for Debt Collection Practices Violations

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 2025-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: ID

Complaint narrative:
On XX/XX/year>2025, I received a wire transfer from my daughter, XXXX XXXX, also a US Bank customer. The wire was for a lawsuit settlement. I received {$250000.00}. 
That same day my entire account was frozen, I submitted all of the documents the back office requested to verify my identity. I called daily for more than a month, supervisors were sending emails to the back office, and they were working on it to verify the documents. My daughters account was frozen too!!!! Then the next minute when I called, I was told the {$250000.00} are being returned to my daughters account and all my accounts are being closed!!! To this date they have offered no explanation as to the reasons. Additionally, all the money I had in my accounts, savings and checking, was send to my daughters account and not to me!! We have different names, different addresses, different socials and different DOBs. How can US Bank just decided to return a wire which is certified funds plus all the money that was in my accounts so someone elses account?? That can not be legal at all. 
My daughters account is still frozen, nearly XXXX months later, she has NO access to any of her money. They have not given her the option to close the accounts or send her a check, despite all efforts, the accounts remain frozen with close to XXXX XXXXXXXX in it and she has no access to her funds. How can this be legal and right??? We need urgent help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-04 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: UT

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Sunbit, Inc.
State: IL

Complaint narrative:
When I open the card for my vehicle repair it was 6 months interest free. I agreed because my plan is to pay the car off it has only been 3months in I used the card XX/XX/year> for my repair. They keep charging me interest and it should not be any interest charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: NY

Complaint narrative:
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.

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

15 U.S.C 1681 Section 604 A Section 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 ) ( 1 ) 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.

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 2025-03-04 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: EQUIFAX, INC.
State: NY

Complaint narrative:
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.

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

15 U.S.C 1681 Section 604 A Section 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 ) ( 1 ) 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have filled out a report to clarify the incorrect information that has been sent by the credit bureau through my email. I am writing to formally dispute an error on my credit card statement. I have requested a further investigation regarding this matter, but the problem became disregarded by the company. I appreciate your prompt attention regarding this matter.In addition, I would like a confirmation receipt to keep me notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have sent multiple complaints through CFPB and FTC but I don't see why these inquiries, which I didn't authorize are still on my credit report when I have done my part. I've checked this and reached out to the creditors that I am not aware of and have no knowledge of this.

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 2025-03-04 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: BRite Financial Services, Inc.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Indiana XXXX XXXX XXXX XX/XX/XXXX XXXX Dispute Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Credit Report Information FCRA Violation Dear XXXXn Dispute Department, I am writing to formally dispute inaccurate and unverifiable information on my credit report. Upon reviewing my report, I found an account listed under XXXX XXXX with a reported balance of {$19000.00} that contains discrepancies and potential violations of the Fair Credit Reporting Act ( FCRA ). 

The account in question shows an involuntary repossession and placed for collection status, with the last reported payment on XX/XX/XXXX, and a closed date of XX/XX/XXXX. However, I dispute the accuracy of this information based on the following violations : XXXX. Violation of FCRA 1681i Failure to Conduct a Reasonable Investigation Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit reporting agencies ( CRAs ) must conduct a reasonable reinvestigation when a consumer disputes an account. The balance of {$19000.00} does not align with the original highest balance of {$12000.00}, which suggests that improper fees, interest, or charges have been added without verification. I demand that XXXX conducts a proper investigation and removes this unverifiable information. 

XXXX. Violation of FCRA 1681e ( b ) Failure to Maintain Maximum Possible Accuracy According to 15 U.S.C. 1681e ( b ), CRAs must ensure that consumer reports are prepared with the maximum possible accuracy. The inconsistent payment history, incorrect balance, and unverifiable repossession status indicate that XXXX failed to uphold this standard. 

XXXX. Violation of FCRA 1681s-2 ( b ) Failure of Furnisher to Properly Investigate Brite Finan, as the furnisher of information, is required under 15 U.S.C. 1681s-2 ( b ) to properly investigate disputes and provide only accurate and verifiable information. If they can not furnish proof of the validity of this account, it must be removed from my report. 

Requested Action In accordance with my rights under the FCRA, I am requesting the following : XXXX. A full investigation into this account, including verification of the balance, payment history, and repossession status. 
XXXX. The removal of any inaccurate or unverifiable information if the furnisher can not provide proper documentation. 
XXXX. A written response within 30 days per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

I have attached copies of my credit report, account details, and any supporting documents for your review. If this matter is not resolved appropriately, I am prepared to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and consider legal action to protect my rights under the FCRA. 

Thank you for your prompt attention to this dispute. I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CLGF Holdco 1, LLC
State: PA

Complaint narrative:
Between XXXX and XX/XX/year>, there were multiple transactions on my credit card account, all of which were made in California. These transactions were fraudulent, and I did not authorize any of them. I have disputed the charges two or three times, but each time, the bank has returned the dispute as legitimate despite the transactions clearly being fraudulent. 

I am unable to break down the charges because the bank no longer allows me to access the specific transaction details. However, I can confirm that every single transaction made in California during this period was unauthorized, and I am not responsible for any of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Union Home Mortgage Corp
State: MI

Complaint narrative:
My XXXX escrow analysis was egregiously incorrect.. even thought I have been with Union Home Mortgage Company since XXXX. They advised this mistake was due to a " software update '' .. please see the following email from them. 

" During a system software update in XXXX, many tax lines were inadvertently updated to reflect the previous years tax amount. This discrepancy was not identified until this year. 
We understand the inconvenience this may cause and sincerely apologize for any confusion. Please be assured that Union Home Mortgage ( UHM ) is taking steps to ensure that such an error does not happen again in the future. Our team is diligently working to improve our processes and systems to prevent similar issues. 
At this time, there is nothing we can do to retroactively correct the glitch, and the shortage is reflecting correctly. 

XXXX XXXX Customer Support XXXX XXXX XXXX XXXX XXXX Fax : XXXX XXXX | uhm.com They basically took only my Spring taxes and multiplied it by two versus taking both my Spring and Winter taxes, which were readily available to them. They are advising there is a {$3100.00} due to THEIR error. Yet I am responsible for paying this. 

The woman I spoke to in the tax department named " XXXX '' advised this has happened to several customers.

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 2025-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
PLEASE HELP ME, EVERY TIME IM SEEING THESE FRAUDULENT ACCOUNTS, THESE ARE GIVING ME STRESS. I WANT THESE TO BE TAKEN OFF FROM MY CREDIT REPORT PERMANENTLY.

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 2025-03-04 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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.

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 2025-03-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NEW YORK COMMUNITY BANCORP INC
State: TX

Complaint narrative:
On XX/XX/year>2025 I noticed my mortgage company, Flagstar Bank, had double paid my XXXX Taxes in the amount of {$2700.00}. I immediately called them and have still not received a resolution as of XX/XX/year>2025. 

After making this error, Flagstar Bank has sold our loan to XXXX XXXX XXXX XXXX, which has not been helpful at resolving this either. 

So my mortgage payment has gone up to account for the shortage as well as the future expectation of paying double tax next year. I have been forced to pay over {$500.00} extra until this is corrected. 

I have reached out to the Tax office and confirmed the refund was issued to the bank, but after multiple calls I still have no resolution and I am constantly just given the run around.

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 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries made without my knowledge or consent and my outdated personal information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, present evidence of explicit authorization for each inquiry, disclose all communication exchanged, share internal records, confirm identity verification measures, and demonstrate compliance with relevant laws.

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 2025-03-04 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
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.

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

15 U.S.C 1681 Section 604 A Section 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 ) ( 1 ) 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.

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 2025-03-04 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:
I am listing 1 inquiry as fraudulent from my Transunion Credit Report. XXXX  XXXX XX/XX/year>. Listed inquiry does not belong to me and must be removed from my Transunion Credit Report. I had a call with the company and the credit reporting agency advised me to fi le an identity theft report for deletion. I am requesting Transunion to mark this inquiry as fraudulent and remove from 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 2025-03-04 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I recently reviewed my credit report and noticed fraudulent activity as the inquiry below. 
XXXX XXXX XXXX XXXX XX/XX/year> Equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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: SC

Complaint narrative:
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.

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

15 U.S.C 1681 Section 604 A Section 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 ) ( 1 ) 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.

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