vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: AZ

Complaint narrative:
Beginning XXXX of 2025, Freedom Mortgage is expecting me to pay {$1000.00} per month for my mortgage. Freedom Mortgage acquired my fixed mortgage about 3 years ago and my payments have always been in the $ XXXX {$950.00} range. There have been no property tax increases where I live and I pay my homeowner 's insurance separately. So it is impossible for my mortgage, again on a fixed mortgage with a 25-year term, to go up so high. I contacted them about it when they first showed I needed to pay {$1100.00} per month and they were charging me for insurance. I battled with them about getting it right and they did a second Escrow Analysis and have come back with a monthly amount of {$1000.00}. This is about {$60.00} per month higher than I am paying now, which means {$710.00} or so more annually. The documents they have sent me in the mail and that appear on the app DO NOT tell me why they have increased it so much. The numbers I see are arbitrary and do not add up to anywhere near what should be the monthly payment on a fixed mortgage rate. There is something seriously corrupt or criminal about what is going on here. I would make special note and draw attention to a XX/XX/year> " Paid In '' amount of {$1100.00} with a " Paid Out '' amount of {$0.00}. In all previous Escrow Analysis tabulations the XXXX " Paid In '' and " Paid Out '' amounts were {$0.00} across the board. There is nothing to tell me what this amount is for and why I am paying it. It is as if they are just demanding that I pay them for something that has never been paid before and there have been no changes to my property taxes or my insurance costs.

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 2025-02-04 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: CA

Complaint narrative:
CEAST AND DESIST OF REPORTING UNAUTHORIZED FRAUD ACCOUNTS Personal Statement ATTN EXPERIAN EQUIFAX TRANSUNION ACCORDANCE TO USC 6801ab1234, USC 1681ga1b23abc456cde7,9,10,11,12 USC 6802, USC 1681g, USC 6803 USC 1681s2 | never gave written consent to these creditors or Experian Equifax TransUnion to furnish these fraudulent accounts to my consumer reports the ACCTS READ 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 PLEASE REMOVE THESE UNAUTHORIZED FRAUD ACCTS FROM MY CONSUMER REPORTS THIS IS A CLEAR VIOLATION OF THE LAW AND IMPROPER USE OF MY IDENTITY AND ( GAAP ) U HAVE THE RESPONSINITY TO REPORT ACCURATE INFORMATION STUDENT LOAN REHAB USC 1681AB2 XXXX SIRS MAAMS

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 2025-02-04 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: EQUIFAX, INC.
State: CA

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

TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX has violated my rights. 

EXPERIAN 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.

I looked at my transunion Equifax Experian credit report on XX/XX/XXXX, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: EQUIFAX, INC.
State: IN

Complaint narrative:
All collections and charge off accounts needs to be removed immediately from my credit report because it violates my consumer rights the information you have is inaccurate and incorrect and needs to be removed Asap I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the EQUIFAX credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consum credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me email to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I need your help to investigate accounts from these companies that have reported late payments incorrectly. Upon reviewing my credit report, I found some accounts marked with late payments, which should not be the case. No late payment remarks should appear on these accounts.

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 2025-02-04 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Dear Equifax Dispute Department, I am writing to formally dispute the following accounts that have been inaccurately reported on my credit file. These accounts do not belong to me, and I request their immediate removal : XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts were reported in error, and I request their removal under the Fair Credit Reporting Act ( FCRA ). Please initiate an investigation and correct this misinformation as soon as possible. 

I would appreciate a written confirmation once these items have been removed. If you require additional information, please contact me at your earliest convenience.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: OR

Complaint narrative:
Overpayment of a loan was made by me in XXXX. Asked to be reimbursed. They told me to wait 90 business days. No check received or communication given. Called back to find another solution. Solution was given that my overpayment would be directed to my current payments. This was not done. They put me into forbearance without my approval. Called several times and unboxed them every month in XXXX and so far the months in XXXX. No response. Calling several times a month and calls are being deflected, transferred, 5 hour hold times. I am a teacher and very close to meeting my 120 payments. This overpayment would have let me meet my requirements. I am asking for a clear plan in writing and am not getting any help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to formally dispute inaccurate information contained in my credit report, as reported by your agency. Under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ), I am requesting a reasonable reinvestigation of the following erroneous information : ( see attached ) I am providing supporting documentation, including FTC Report and 605B letter, which clearly demonstrates that this information is incorrect.

As you are aware, the Consumer Financial Protection Bureau ( CFPB ) has recently taken enforcement action against Experian and Equifax for failing to conduct proper reinvestigations of consumer disputes and unlawfully reinserting previously removed inaccuracies into credit reports. The CFPB 's lawsuit alleges violations of the FCRA, particularly 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which mandates that credit reporting agencies conduct a reasonable reinvestigation within 30 days of receiving a dispute.

Furthermore, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), data furnishers are required to report only accurate and complete information to credit reporting agencies. Given the legal precedent set by recent CFPB actions, I expect full compliance with your obligations under the FCRA. 

If your reinvestigation does not resolve this dispute, please provide a detailed explanation of the steps taken, along with the method used to verify the disputed information, as required under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ).

I request that you update my credit file accordingly and send me a written confirmation of the correction. If you fail to comply, I am prepared to escalate this matter to the CFPB, the Federal Trade Commission ( FTC ), and seek legal remedies. 

Please confirm receipt of this letter and inform me of the results of your reinvestigation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to formally dispute inaccurate information contained in my credit report, as reported by your agency. Under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ), I am requesting a reasonable reinvestigation of the following erroneous information : ( see attached ) I am providing supporting documentation, including FTC Report and 605B letter, which clearly demonstrates that this information is incorrect.

As you are aware, the Consumer Financial Protection Bureau ( CFPB ) has recently taken enforcement action against Experian and Equifax for failing to conduct proper reinvestigations of consumer disputes and unlawfully reinserting previously removed inaccuracies into credit reports. The CFPB 's lawsuit alleges violations of the FCRA, particularly 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which mandates that credit reporting agencies conduct a reasonable reinvestigation within 30 days of receiving a dispute.

Furthermore, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), data furnishers are required to report only accurate and complete information to credit reporting agencies. Given the legal precedent set by recent CFPB actions, I expect full compliance with your obligations under the FCRA. 

If your reinvestigation does not resolve this dispute, please provide a detailed explanation of the steps taken, along with the method used to verify the disputed information, as required under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ).

I request that you update my credit file accordingly and send me a written confirmation of the correction. If you fail to comply, I am prepared to escalate this matter to the CFPB, the Federal Trade Commission ( FTC ), and seek legal remedies. 

Please confirm receipt of this letter and inform me of the results of your reinvestigation

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 2025-02-04 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: GA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : 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

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 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
i was checking my credit report and noticed 3 accounts in file thats not my i never used and never get any benefit from XXXX XXXX, $ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
i was checking my credit report and noticed 3 accounts in file thats not my i never used and never get any benefit from XXXX XXXX, $ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: GA

Complaint narrative:
After reviewing my credit reports, I observed that despite your failure to provide evidence validating the accuracy of the debt, you are stating that the following accounts are negatively affecting my credit. Additionally, you assert that you have adhered to all legal and regulatory reporting requirements. As such, I request the removal of all negative and adverse accounts listed below. 

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 non-monetary relief
Consumer complaint received 2025-02-04 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
After reviewing my credit reports, I observed that despite your failure to provide evidence validating the accuracy of the debt, you are stating that the following accounts are negatively affecting my credit. Additionally, you assert that you have adhered to all legal and regulatory reporting requirements. As such, I request the removal of all negative and adverse accounts listed below. 

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
Consumer complaint received 2025-02-04 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: U.S. BANCORP
State: FL

Complaint narrative:
I have a US Bancorp inquiry listed on my credit report, that i do not recognize, that i did not apply for without my consent or knowledge.

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 2025-02-04 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries appearing on my credit report, as I am a victim of identity theft. Pursuant to 15 U.S.C. 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I demand that the following accounts and inquiries be permanently removed from my credit file : Fraudulent Accounts : XX/XX/XXXXT - XXXX - XX/XX/XXXX - {$720.00} XX/XX/XXXX - XXXX - XX/XX/XXXX - {$720.00} XX/XX/XXXX - XXXX - XX/XX/XXXX - {$120.00} XX/XX/XXXX- XXXX - XX/XX/XXXX - {$610.00}XX/XX/XXXX - XXXX - XX/XX/XXXX - {$680.00} XXXX - XXXX - XX/XX/XXXX - {$1900.00} XX/XX/XXXX - XXXX - XX/XX/XXXX - {$0.00} Fraudulent Inquiries : XXXX XX/XX/XXXX- XX/XX/XXXX XX/XX/XXXX - XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX- XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: LA

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries appearing on my credit report, as I am a victim of identity theft. Pursuant to 15 U.S.C. 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I demand that the following accounts and inquiries be permanently removed from my credit file : Fraudulent Accounts : XX/XX/XXXXT - XXXX - XX/XX/XXXX - {$720.00} XX/XX/XXXX - XXXX - XX/XX/XXXX - {$720.00} XX/XX/XXXX - XXXX - XX/XX/XXXX - {$120.00} XX/XX/XXXX- XXXX - XX/XX/XXXX - {$610.00}XX/XX/XXXX - XXXX - XX/XX/XXXX - {$680.00} XXXX - XXXX - XX/XX/XXXX - {$1900.00} XX/XX/XXXX - XXXX - XX/XX/XXXX - {$0.00} Fraudulent Inquiries : XXXX XX/XX/XXXX- XX/XX/XXXX XX/XX/XXXX - XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX- XX/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 non-monetary relief
Consumer complaint received 2025-02-04 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: CA

Complaint narrative:
I am so exhausted I've been trying to correct things with transunion but it's no response no reply nothing! I sent so many letters certified and I still get no response. please help me pursuant to 15 USC 1681i ( a ) 1 they are required to respond within 30 days or the items shall be removed. pursuant to 15 USC 1681i ( a ) 6 ( B ) 3 they aren't properly investigating these accounts. 

please help me as these aren't my accounts XXXXXXXX XXXX XXXX {$7800.00} XXXX  {$0.00} XX/XX/year>

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 2025-02-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 inquires 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 and have enclosed copies of the report, I would like these items deleted from my credit report as soon as possible.

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 2025-02-04 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: TX

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 2025-02-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please help me, I have attached supporting correspondence.

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