vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-31 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:
There are accounts listed on my credit report that are incorrect and should not be associated with my name. This is not only unfair, but also alarming, as I have neither participated in nor authorized any activities related to these accounts. If you do not thoroughly investigate and correct these discrepancies, I will have no choice but to pursue legal action.

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 2025-01-31 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: MD

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 2025-01-31 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: FL

Complaint narrative:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: CA

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Lyon Collection Services, Inc
State: TX

Complaint narrative:
Re : Dispute of Debt Claim No. XXXX To Whom It May Concern : I am writing to formally dispute the validity of the debt referenced in your collection notice ( Claim No. XXXX ) for {$230.00}, allegedly owed to XXXX XXXX. I also dispute the legitimacy of the charges and Lyon Collection Services authority to collect this debt due to the following issues : Breach of Contract & Unauthorized Sharing of Information XXXX XXXX violated our contractual agreement by unlawfully sharing my personal/business information with your agency without my consent. This action may constitute a breach of privacy under applicable laws ( e.g., state consumer protection statutes or the Gramm-Leach-Bliley Act if financial data was shared ). 

Failure to Honor Promotional Terms XXXX XXXX explicitly promised 4 free months of service as part of a promotion, which they never applied. The invoices listed ( e.g., XXXX, XXXX, etc. ) appear to include charges that should have been waived under this promotion. I request copies of the signed contract, promotional terms, and proof that XXXX fulfilled their obligation to apply the 4 free months. 

Inaccurate or Fraudulent Invoices The invoices listed are dated in XXXX  ( e.g., XX/XX/year>, XX/XX/year> ), which is a future date. This discrepancy raises serious concerns about the validity of the debt. 

Unlawful Collection Fees The {$21.00} COLL FEE is unjustified. Under the Fair Debt Collection Practices Act ( FDCPA ), collection fees can not be added unless expressly permitted by the original contract or state law. Provide documentation authorizing this fee. 

Formal Requests Debt Validation : Under the FDCPA ( 15 U.S.C. 1692g ), I demand immediate validation of this debt, including : A copy of the original signed contract with XXXX XXXX. 

Proof of the promotions terms and evidence showing why the 4 free months were not applied. 

An itemized breakdown of the debt, including how the future-dated invoices and collection fee were calculated. 

Cease Communication : Until you provide validation, cease all collection efforts, including credit reporting. 

Credit Reporting : If this debt was reported to credit bureaus, notify them of the dispute and correct or delete it immediately. 

Next Steps If you fail to validate this debt within 30 days or continue unlawful collection attempts, I will : File complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Nevada Attorney General. 

Pursue legal action for violations of the FDCPA and applicable privacy laws. 

Send all correspondence via certified mail to the address above. 

Sincerely, [ Your Full Name ] [ Signature, if mailing a physical letter ]

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-31 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: IL

Complaint narrative:
Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Removal of Unauthorized Inquiries Dear Equifax Consumer Dispute Department, I am writing to formally request the removal of several unauthorized inquiries from my Equifax credit report. I recently reviewed my report and found inquiries that I did not authorize, which are negatively affecting my credit profile. 

The following inquiries should be removed immediately as they were not initiated by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VIA DEALER I did not authorize these inquiries, and under the Fair Credit Reporting Act ( FCRA ), only inquiries that I have explicitly approved should be listed on my credit report. Please investigate this matter and remove the unauthorized inquiries from my credit file immediately. 

Enclosed are copies of my identification and a copy of my credit report highlighting the disputed inquiries for your reference. 

Please provide written confirmation of the deletions or the results of your investigation within 30 days, as required by law. Thank you for your prompt attention to this matter. 

Sincerely, XXXX 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 2025-01-31 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: TX

Complaint narrative:
There are accounts listed on my credit report that are incorrect and should not be associated with my name. This is not only unfair, but also alarming, as I have neither participated in nor authorized any activities related to these accounts. If you do not thoroughly investigate and correct these discrepancies, I will have no choice but to pursue legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Telephone : ( XXXX ) XXXX SS # XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX PA XXXX Subject : Request for Removal of Unauthorized Inquiries Dear TransUnion Consumer Dispute Department , I am reaching out to formally dispute several unauthorized inquiries that have appeared on my TransUnion credit report. After reviewing my report, I found multiple inquiries that I did not initiate or authorize. 

The following inquiries should be removed immediately 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 As I did not authorize these inquiries, I am requesting their immediate removal from my credit file in accordance with the Fair Credit Reporting Act ( FCRA ). Unauthorized inquiries can negatively impact my credit, and I take my credit profile seriously. 

Enclosed, I have included a copy of my identification and a copy of my credit report highlighting the disputed inquiries for your reference. 

Please complete your investigation and provide me with confirmation of the deletions within 30 days. Thank you for your attention to this matter. 

Sincerely, XXXX 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 2025-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I recently reviewed my mortgage statement and was surprised to see a higher balance than expected, despite having autopay set up with scheduled overpayments. 

Upon closer inspection, I found multiple unexplained {$20.00} fees appearing on my statements since XXXX. After thoroughly reviewing my email, notification center, and all relevant documents, I found no prior notice of these charges. 

When I contacted XXXX XXXX  they informed me that the fees were tied to payoff letter requests. I had requested a single payoff letter in XXXX while exploring a refinance but was never informed that this request would incur a fee. The servicer then claimed that three additional payoff requests were made in XXXXrequests I did not personally make, though a refinance lender I was working with may have submitted them on my behalf. However, when I asked for evidence of these requests and the associated charges, XXXX XXXX was unable to provide any. 

In total, I was charged {$80.00} in fees without prior notification, consent, or proof that I made multiple requests. Despite disputing the charges, the servicer refused to remove them and could not provide documentation supporting their claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: GA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: FL

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 explanation
Consumer complaint received 2025-01-31 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: FL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 non-monetary relief
Consumer complaint received 2025-01-31 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: FL

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This bank block access to my online banking unjustly, username XXXX and this bank without no reason blocked my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( 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 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

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 2025-01-31 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:
" Method of Verification Dispute Notice : Request to Reinvestigate & Delete Inaccurate personal infomation I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated. 

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 each 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 non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Larry H. Miller Group of Companies
State: VA

Complaint narrative:
requested company to send original ownership proof of debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My ceiling caved in in my bedroom and I filed a claim with XXXX XXXX to get it fixed on XX/XX/year>. XXXX XXXX did everything and sent me the check so I could pay my contractor on XX/XX/XXXX. I deposited my check to Wells Fargo on XX/XX/XXXX and they put a hold on the deposit on XX/XX/XXXX until XX/XX/XXXX. I called them on XX/XX/XXXX and they said the reason for the hold was that XXXX  XXXX either XXXX ). did not have enough money in their bank account to clear the check or XXXX ). put a stop payment on the check. Although I found their first reason to be ridiculous, I called XXXX XXXX and they confirmed no stop payment and that the check had been cashed, paid, and cleared their account. When I went back to Wells Fargo, they said there was no one could lift a hold and they had no legal department with whom I could direct my attorney to communicate with. I have a contractor who needs the money and waiting an extra week for some made up reason is complete nonsense.I have XXXX children : XXXX, XXXX YO, and XXXX XXXX XXXX XXXX and we need the house fixed.

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 2025-01-31 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:
These accounts do not belong to me and were probably opened due to fraud. The fact that two different companies are reporting the same amount is fraudulent Derogatory Account Reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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:
These accounts do not belong to me and were probably opened due to fraud. The fact that two different companies are reporting the same amount is fraudulent Derogatory Account Reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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