vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-21 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: MA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-02-21 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-02-21 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: TX

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 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: TX

Complaint narrative:
I am writing to formally report and address an urgent issue regarding the unauthorized use of my identity. It has come to my attention that a fraudulent account has been opened in my name without my knowledge or consent. This activity is not only a direct violation of my rights but also a serious matter involving potential identity theft. I want to make it absolutely clear that I did not authorize the opening of this account, nor have I been involved in any way with the actions associated with it. This is a fraudulent and unauthorized use of my identity, and I demand immediate action to correct this situation.

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 2025-02-21 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Confusing or misleading advertising or marketing — 
Company: Mortgage Research Center, LLC
State: GA

Complaint narrative:
My wife and I bought a house in XXXX Georgia back in XXXX of XXXX  and they filed in at a regular VA loan not a XXXX  loan because my income is not Verifiable. Thru the VA we get benefits but its entitlements which means I get my XXXX and retirement tax free from state and federal. I called many times and not one time did XXXX XXXX call me back because I found out they basically sold my loan to a collection agency. I been paying a whooping XXXX dollars a month since the start of this loan

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 2025-02-21 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I dont have specific dates because all my information was on the phone that was broken into by scammers. Which was sent by Experian. Telecommunications ads that solicits innocent people! Theres a house on my credit report that I never had and was trying to get off for years. Theres information with the incorrect spelling of my name. Disputes that I have had taking off shows up a few months later. Its all a scam! What Im upset most about is my phone got hacked, {$2000.00} was taking from me, the pictures of my loved ones, passwords, all gone! Due to Experian giving out my number and information to 3rd parties scammers!

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 2025-02-21 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:
Write a formal dispute letter to the credit bureaus ( Equifax, ) requesting the removal of unauthorized inquiries. Include : A list of the fraudulent inquiries ( e.g., XXXX XXXX XXXX  - XX/XX/year> ) A statement explaining that you did not authorize these inquiries A request for removal under the Fair Credit Reporting Act ( FCRA ) A copy of your Identity Theft Report ( filed with the FTC or police ) I would like this inquiriesto be removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: WI

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: GA

Complaint narrative:
Vanderbilt Mortgage and Finance , Inc.

XXXX XXXX XXXX XXXX XXXX Subject : Wrong Address/Location of Mobile Home in Legal Filing, Illegal Dispossessory Notice Violation of Landlord/Tenant State Law To Whom It May Concern, I am writing make you aware of a situation concerning a Dispossessory Notice ( Civil Case : XXXX ) my tenants received on XX/XX/XXXX for a Mobile Home I own at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This violation of my property rights and my tenants rights indicates this dispossessory process is illegal and has no merit. This is due to the Plaintiffs Attorneys, XXXX XXXXXXXX XXXX negligence and blatant disregard for research, follow up and the truth. The Plaintiffs Attorney is trying to steal a Mobile Home that I own through XXXX XXXX XXXX, XXXX, has no mortgage and has never had a business relationship with the Plaintiff. 

In summary, the Plaintiffs Attorney, XXXX XXXX, submitted the wrong address/location of the Mobile Home in in Civil Case XXXX for dispossessory to the XXXX XXXX XXXX XXXX on behalf of Vanderbilt Mortgage and Finance , Inc.. The Dispossessory Notice my tenants received does not comply with the legal standards because the real address in question, according to tax records is XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX. Specifically : The Mobile Home that is indicated in the Dispossessory Documents is a XXXX XXXX XXXX XXXX. My Mobile Home is a XXXX XXXX XXXX and was built in XXXX, and purchased 18 years ago with cash. My tenants are a young couple with kids and have been renting from me for over 8 years. 

After the first notice was served to my tenants with the name of XXXX XXXX on XX/XX/XXXX. XXXX, I called the Sheriff 's department and told them they had the wrong address/location listed and that I have never heard of XXXX XXXX XXXX I also called XXXX XXXX, Plaintiffs attorney and told him he had the wrong address/location and I found the address that he was looking for in the tax records under XXXX XXXX XXXX This address was the XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. He acknowledged the email I sent with the tax record screen shot and said he would take care of it. 

This harassment, infliction of emotional distress of myself and my tenants needs to stop and appropriate action by the District Attorneys office would be appreciated. 

Sincerely, XXXX XXXX, Managing Member, XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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 writing to formally report and address an urgent issue regarding the unauthorized use of my identity. It has come to my attention that a fraudulent account has been opened in my name without my knowledge or consent. This activity is not only a direct violation of my rights but also a serious matter involving potential identity theft. I want to make it absolutely clear that I did not authorize the opening of this account, nor have I been involved in any way with the actions associated with it. This is a fraudulent and unauthorized use of my identity, and I demand immediate action to correct this situation.

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 2025-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I opened a Citi Bank checking account on XX/XX/year>, with an initial deposit of {$25.00}. On XX/XX/year>, I deposited {$3000.00} into the ATM. On XX/XX/year>, I received an email stating that my account would be automatically closed within 60 days, and any remaining funds would be sent to my address on file. On XX/XX/year>, a direct deposit of {$2100.00} was credited to my account. 

After waiting over a month, I received a check for {$2100.00}, but the remainder of my funds has not been returned. I have visited Citi branches multiple times, but representatives claim they can not assist me. When calling Citi 's Fraud Prevention Department, I am repeatedly told to wait 48 hours for updates, but no progress has been made. Or being informed that an investigation was conducted, and Citi determined I am not eligible for any additional funds, but they have not provided a written explanation. I am requesting the immediate return of my missing funds and a clear explanation of Citis decision.

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 monetary relief
Consumer complaint received 2025-02-21 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:
I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX XXXX XXXX XXXX : {$11000.00} & XXXX XXXX XXXX XXXX : {$0.00}

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 2025-02-21 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: RI

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 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: SC

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-02-21 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: NAVY FEDERAL CREDIT UNION
State: MA

Complaint narrative:
On XX/XX/XXXX I took a taxi in XXXX at XXXX airport to get from XXXX terminal to the other because I missed my original flight and the shuttle would take too long to get me there. They told me the price was XXXX XXXX and after i googled the conversion and saw {$17.00} i agreed. They charged my navy federal card twice and told me it was declined and that i should use a different card so i did. I received an email that the XXXX was declined. I then found out my navy federal was charged XXXXXXXX XXXX  and XXXXXXXX XXXX and the second card i used was charged XXXXXXXX XXXX. I have submitted the receipt as well as my other card statement to show they also charged that card for the same transaction and navy federal keeps denying my claim saying that its not enough evidence. I dont have anything else and there is literally no way i could have taken a taxi for XXXXXXXX XXXX if i was at the airport. They charged the card different amounts which i didnt know at first because i asked to see the screen and it said XXXX. Which seems that this is a running scam to charge different amounts so that it does not appear as duplicate. Navy federal has not been helpful whatsoever and each time i call i am given different information. I would not recommend any one to use any navy federal credit cards because you will not receive any help if you have been scammed. I uploaded everything that i have and they are still saying its not enough because the charges are different. XXXX charges listed as transportation at the same time and you dont think something is wrong. I even showed that i had a rental car so there is no way i could have taken any transportation for that amount of money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
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:
I need your assistance in reviewing accounts from companies that are incorrectly reporting late payments. After checking my credit report, I found that certain accounts have late payment marks that should not be there. These accounts should not show any late payment remarks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Credit Karma, LLC
State: OH

Complaint narrative:
I reached out to the credit karma bank company XX/XX/year> because my taxes were due to be deposited into my account that is now closed and they refuse to open it. I spoke to multiple persons and they told me there was nothing they could do. I never received a warning that my account was going to be closed and it went through on my taxes which should of been rejected with that account being closed. Now my taxes are up in the air with no help from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I had a bank account with Bank of America, and due to receiving some transferswhose origin I properly justifiedmy accounts were closed. Despite this, the bank has refused to return my money. I have been waiting for many months, but nothing has happened. 

Every time I call to ask about the situation, I get the same response : Please wait and call back, your case is still under review. A review may take a day, a week, or even a monthbut XXXX months of review is outright abuse by the bank. They refuse to return my funds, and I am desperate because I have payments to make that I have had to postpone. I am completely defenseless due to the banks actions. 

I demand that all the interest the bank has gained from my money be returned to me, along with the principal amount. 

I urge your assistance in ensuring that my rights are respected. 

Checking account XXXXXXXX XXXX XXXX XXXXXXXX

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 2025-02-21 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: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-02-21 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: OH

Complaint narrative:
I paid a student loan in full on XX/XX/year>. In the amount {$1300.00} To the department of education in texas. Equifax refuses to report a XXXX balance. After disputing the account. Also uploading bank statements as evidence and confirmation emails from the department of education. They still report I owe a XXXX balance. Also transunion has agreed with me and reported a XXXX balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 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: TX

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation