vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-14 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX {$6400.00} As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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: NJ

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : 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 2025-01-14 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
Prior to me looking on XXXX XXXX XXXX XXXX to look up something under records search on XX/XX/XXXX that was my first time having acknowledge on my own of seeing the lawsuit file against me by Suncoast Credit Union that was file on XX/XX/XXXX. 
1 ) Failure to identify debt through contact mail, phone, for missing documentation/information in regard to personal information loan paperwork & I havent been served the summons & court is in several days I believe some time next week or several days after & I dont have no funds to hire a low income lawyer to represent me because I have never been sue by an auto debt lawyer & collection agency & the Suncoast Credit Union & also I want to know did Suncoast Credit Union fully paid off XXXX XXXX XXXX of the vehicle I traded in XXXX XXXX XXXX XXXX for XXXX XXXX XXXX where the seller of XXXX of XXXX XXXX XXXX my income where I wasnt aware until afterwards & now Im being sued unknowingly thru them certified

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: TX

Complaint narrative:
I have reviewed my credit report and have identified several inquiries that appear to be both inaccurate and unverified. These inquiries do not reflect any actions or consent that I have provided, which raises concerns about their legitimacy. Under the Fair Credit Report Act ( FCRA ), specifically Section 1681c ( a ) ( 3 ), a credit reporting agency must ensure that all information reported is accuarate and verifiable. As such, I request that these unverified and incorrect inquiries be thoroughly investigated and, if found to be in error, removed from my 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 2025-01-14 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Mortgage — FHA mortgage
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: Freedom Mortgage Company
State: FL

Complaint narrative:
I am recovering from hurricane Milton and all my homes had various recovery expenses and all four homes are in a FEMA declared disaster zone. I have the four mortgage loans with Freedom Mortgage and have requested all four loans to be under the deferral program which is where 3 months mortgage payments ( XXXX XXXX and XXXX payments ) are added to the end of the loan. Not only is Freedom Mortgage dragging their feet on an approved deferral request, they have increased the balances on my XXXX report for the few months and are trying to force a loan modification with a much higher interest rate, adding several years to the loan and requesting extensive paperwork like current tax returns ( which my accountant stated are not available till XX/XX/year> due to Hurricane Milton ), bank statements, a form from the IRS, etc... Basically excessive steps and they are forcing a loan modification vs a streamlined Deferral approval - along with increasing my mortgage balances the past few months ( see attached balance increases reported to XXXX ) and reporting my mortgage loans as delinquent which has tanked my credit score. The Freedom Mortgage account numbers and property address are listed here:1 ) XXXX XXXX XXXX. XXXX XXXX XXXX, FL XXXX loan # XXXX XXXX ) XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX loan # XXXX XXXX ) XXXX XXXX XXXX, XXXX  XXXX XXXX, FL XXXX loan # XXXX XXXX ) XXXX XXXX XXXX XXXX, XXXX, FL XXXX loan # XXXX Please find attached a screenshot of Freedom Mortgage increasing the balances and after calling/speaking to their agents numerous times requesting a Deferral approval and sending messages to their company thru they're message center since beginning of XXXX I am still not getting the required deferral approval and an being negatively and i believe illegally impacted.

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 2025-01-14 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: GA

Complaint narrative:
Old cfbp complaint numbers I am having the same issues XXXX XXXX XXXX " I believe these entry on my credit report is a result of willful non-compliance and fraudulent practices by the creditor, violating **15 U.S. Code 1681i ( FCRA ) ** . Immediate correction is required. ''

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 2025-01-14 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: GA

Complaint narrative:
Old cfbp complaint numbers I am having the same issues XXXX XXXX XXXX " I believe these entry on my credit report is a result of willful non-compliance and fraudulent practices by the creditor, violating **15 U.S. Code 1681i ( FCRA ) ** . Immediate correction is required. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: AL

Complaint narrative:
aIn 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 168b permissible purposes of consumer reports. 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. 
ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT XXXX ACCOUNT NAME : XXXX XXXX XXXX  ACCOUNT XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT XXXX ACCOUNT NAME : XXXX ACCOUNT XXXX ACCOUNT XXXXXXXX XXXX XXXX ACCOUNT XXXX ACCOUNT XXXX XXXX XXXX  ACCOUNT XXXX ACCOUNT NAME : XXXXXXXX XXXX XXXX ACCOUNT XXXX ACCOUNT NAME : XXXXXXXX XXXX XXXX XXXX  ACCOUNT XXXX ACCOUNT NAME : XXXX XXXX XXXX  ACCOUNT XXXX ACCOUNT NAME : XXXX XXXX  ACCOUNT XXXX ACCOUNT NAME : XXXXXXXX XXXX XXXX XXXX ACCOUNT XXXX ACCOUNT XXXX : XXXX XXXX XXXX ACCOUNT XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT XXXX ACCOUNT NAME : XXXX  XXXX ACCOUNT XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT XXXX ACCOUNT NAME : XXXX  ACCOUNT XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

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.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate

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 2025-01-14 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: AL

Complaint narrative:
aIn 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 168b permissible purposes of consumer reports. 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. 
ACCOUNT NAME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

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.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate

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 2025-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: DApps Platform, Inc.

Complaint narrative:
The answer to the COMPLAINT ID XXXX has not been sent to me. 
CFPB has received a copy, but I have not received an answer from Trust Wallet.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: DC

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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: DC

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I have requested both debt validation letter and the required 1099c form per IRS regulations from XXXX and Bank of America whom are both reporting chargeoff/written off debt on my credit profiles. I have NO KNOWLEDGE of either accounts as they were acquired fraudulently. Please require XXXX ( $ XXXX acct # XXXX ) And Bank of America XXXX $ XXXX acct # XXXX ) to provide the information requested.My credit is very important to me and I'd like this matter taken care of immediately.Per FCRA, providing & displaying incorrect, inaccurate and unverifiable information on one 's credit reports are direct violations as well as reporting account as chargeoff/written off debt ( received tax breaks per IRS, profit loss ) yet still reporting a balance owed/past due amt. to the credit bureaus. If XXXX & Bank of America filed on their taxes ( 1099c ), I need the forms to file with my taxes as income. If they CAN NOT PROVIDE THE 1099C forms, I. demand these account s be deleted and removed from my credit reports immediately. Thank you for your time and attention.

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 2025-01-14 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: CA

Complaint narrative:
I requested deletion of this fraudulent account reporting to my credit as a collection. I have supplied bounce AI with the appropriate information regarding their investigation and they have determined to delete this account. Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: CA

Complaint narrative:
I requested deletion of this fraudulent account reporting to my credit as a collection. I have supplied XXXX XXXX with the appropriate information regarding their investigation and they have determined to delete this account. Please see attached.

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 2025-01-14 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: DISCOVER BANK
State: GA

Complaint narrative:
I pulled a copy of my credit report and noticed a charge off, which is defined as debt that has been discharged that your agency took a tax write off on. After I contacted the IRS, they explained that it was illegal that you were reporting this information on my credit report, with trying to collect or having a charged off status. 
According to the IRS, this is tax fraud and I am not afraid to report you for this. As is my right, I am demanding that you DELETE this inaccurate information from my credit report and demand you to send me a copy of the 1099-C to the address above or via email. 
Your agency has violated the maximum possible accuracy law under the Fair Credit Reporting Act ( FCRA ) which is 15 USC 1681e ( b ) as you are clearly reporting information that is NOT 100 % accurate. Should you continue to report this information, this leads to you violating 15 USC 1681s-2, because you now have reasonable cause to believe the information is inaccurate, so you would WILLFULLY continue to violate various federal laws by continuing to report this information thats harming my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: NV

Complaint narrative:
Mr. Cooper/Nationstar Mortgage is my mortgage servicing company - loan from XXXX homebuilders and transferred to them. I received a letter from the county treasurer that my property taxes were not paid in full for XXXX i contacted them repeatedly to pay my taxes given the escrow account has plenty of money in it. I was told to email the tax department, i emailed them with the statement of underpayment and fines, they sent me a canned email saying they would address in no more than 8 days. It has been two weeks so i tried again. same thing when i called the company and taxes still not paid. there must be some rules around paying taxes in a timely manor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
XXXX does not properly investigate disputes and fails to remove or reinserts errors on reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: NJ

Complaint narrative:
I was a victim of identity theft and the account does not belong to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation