vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
XX/XX/XXXX : XXXX  wire transfer for {$10000.00} from USAA Annuities was sent to a Bank XXXX XXXX XXXX account but never received. 
XX/XX/XXXX : XXXX still not received, XXXX account statements faxed to USAA to prove there was no deposit. 
XX/XX/XXXX : USAA customer service requested a trace on the transaction. 
XX/XX/XXXX : Customer service calls to say that the transfer was returned and a check will be mailed to me. 
XX/XX/XXXX : Customer service states that the check was not mailed because they tried to re-wire the money and again it was returned. 
XX/XX/XXXX : Customer service stated that the check has not been mailed. We will escalate it. 
XX/XX/XXXX Customer service stated that check has not been mailed. We will escalate it. Give me your phone # and I'll call you when it's sent. 
XX/XX/XXXX : I have not received a check and it seems like they really don't care. 
Also : XXXX is not a secure web site. I could never safely log on

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: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: PLANET HOME LENDING, LLC
State: TX

Complaint narrative:
What Happened? 

I am filing this complaint against Planet Home Lending and XXXX XXXX  for unjustified delays in the processing of my VA loan assumption, which has now exceeded the VAs standard processing timeframe. 
I submitted my VA loan assumption application for the property at XXXX XXXX XXXX well within the expected timeline. 
VA guidelines state that the assumption process should take no more than 45 days, yet this has dragged on far beyond that. 
The lender and its service provider, XXXX XXXX, have repeatedly delayed the process without a valid reason. 
Despite multiple assurances that my assumption is a top priority, they have failed to provide a clear-to-close date or a timeline for when this will be finalized. 

Why This Is Causing Financial Harm Because this assumption has not closed, my VA entitlement is still tied to this loan, preventing me from securing my new home loan. 
This delay is putting my earnest money deposit at risk, which could result in financial loss through no fault of my own. 
The lack of urgency and accountability from Planet Home Lending and XXXX XXXX  is directly preventing me from moving forward with my home purchase. 

Attempts to Resolve the Issue I have repeatedly contacted both companies, requesting a final timeline for assumption closure, but I continue to receive vague responses with no firm commitment. 
I escalated my concerns to XXXX XXXX  Compliance Officer, who acknowledged the delay but failed to provide a solution. 
I have requested immediate action, including direct contact with the underwriter, but my requests have been ignored or delayed.

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: NM

Complaint narrative:
The presence of incorrect information on my credit report is unacceptable and needs to be corrected immediately. These errors should have never been reported in the first place, and the fact that they exist raises serious concerns about the reliability of this reporting system. This negligence has directly impacted my financial stability, and I refuse to allow it to continue. 

As a consumer, I am legally entitled to a credit report that is free of inaccurate or unverifiable information. The Fair Credit Reporting Act ( FCRA ) mandates that all reported data must be correct, and any errors must be rectified immediately. I expect a full investigation into these inaccuracies and immediate corrective action. Delays are not acceptable.

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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX hearby request Validation of debt collection practice act ( FDCPA ). 
Statements alone are not sufficient evidence of debt. As establish in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  a mere statement does not satisfy the burden of proof. therefore I request you provide : XXXX. The original contract or agreement. XXXX. A detailed accounting of the debt, including all charges and payment made. XXXX verification from the original creditor that you have the legal right to this collection debt. Additionally, I demand that you cease and desist from all communication with me, as provided by the FDCPA. This includes, but is not limited to, phone calls, email, letters, or any other form of communication. Furthermore, this cease and desist request extends to any form of communication via my consumer reports. Thus, you must delete any entries related to this debt from all consumer reporting agencies. Account with XXXX XXXX XXXX if you fail to comply with this request. I will have option but to pursue legal action against your company

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: FL

Complaint narrative:
I am writing to dispute incorrect information listed on my credit report, which I believe to be inaccurate and damaging to my credit standing. After reviewing my credit report, I noticed discrepancies that are clearly not reflective of my financial activity.

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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I'm a victim of identity theft XXXX XXXX XXXX I filled this report because information that has occurred accrued on my account credit account is incorrect and inaccuracy. I have not opened these accounts. These accounts are fraudulent accounts that I did not get any authorization for. In the midst of this report that I'm reporting, I have no acknowledgment how the hackers has accued my information or have any acknowledgment of how they even attain to send my information and attachment of information that was accued to reflect upon accuracies of my address. Social security number as well as phone numbers has been attained as it was accurate in the theft that was cause by me being a victim of a XXXX theft so I am putting and complaints as well as dispute on these matters. On each credit bureaus to correct the errors I am a victim of identity theft Identity theft information 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 2025-02-21 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: SC

Complaint narrative:
I'm a victim of identity theft XXXX XXXX XXXX I filled this report because information that has occurred accrued on my account credit account is incorrect and inaccuracy. I have not opened these accounts. These accounts are fraudulent accounts that I did not get any authorization for. In the midst of this report that I'm reporting, I have no acknowledgment how the hackers has accued my information or have any acknowledgment of how they even attain to send my information and attachment of information that was accued to reflect upon accuracies of my address. Social security number as well as phone numbers has been attained as it was accurate in the theft that was cause by me being a victim of a XXXX theft so I am putting and complaints as well as dispute on these matters. On each credit bureaus to correct the errors I am a victim of identity theft Identity theft information 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 2025-02-21 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: CT

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/1978 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to formally lodge a complaint against Experian, Transunion and Equifax for what I believe to be unfair and deceptive practices in violation of the Consumer Financial Protection Act ( CFPA ) of 2010 and the Fair Credit Reporting Act ( FCRA ). These practices have directly impacted my ability to resolve serious issues of identity theft and have resulted in significant harm to my financial standing. 

Incident Description : has failed to properly convey my disputes regarding fraudulent activities reported on my credit report to the furnishers of information. The disputes that I submitted were distorted, truncated, and mischaracterized by Experian, thus not fully or accurately representing my claims to the furnishers. This has impeded the resolution of these disputes and allowed the continuation of incorrect information in my credit file. 

Consumer Financial Protection Act of 2010 : This act prohibits unfair, deceptive, or abusive acts or practices in connection with any transaction with a consumer for a consumer financial product or service. Experians practices in handling my disputes have been both unfair and deceptive, thereby violating this act. 
FCRA 611 ( Procedure in Case of Disputed Accuracy ) : This provision requires that credit reporting agencies must conduct a reasonable investigation of the disputed information, which includes properly forwarding all relevant dispute information to the furnisher. Experians failure to do so has violated this mandate.

FCRA 623 ( b ) ( Responsibilities of Furnishers of Information ) : This section outlines the duty of furnishers to investigate the disputes received from the credit reporting agencies. Incomplete or inaccurate communication from Experian compromises the ability of furnishers to comply with this obligation. As a result of these violations, I have suffered ongoing financial repercussions and undue stress. The failure of Experian to act according to federal laws has not only impeded the correction of my credit report but also prolonged the negative consequences of identity theft on my personal and financial life.

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 — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to formally lodge a complaint against Experian, Transunion and Equifax for what I believe to be unfair and deceptive practices in violation of the Consumer Financial Protection Act ( CFPA ) of 2010 and the Fair Credit Reporting Act ( FCRA ). These practices have directly impacted my ability to resolve serious issues of identity theft and have resulted in significant harm to my financial standing. 

Incident Description : has failed to properly convey my disputes regarding fraudulent activities reported on my credit report to the furnishers of information. The disputes that I submitted were distorted, truncated, and mischaracterized by Experian, thus not fully or accurately representing my claims to the furnishers. This has impeded the resolution of these disputes and allowed the continuation of incorrect information in my credit file. 

Consumer Financial Protection Act of 2010 : This act prohibits unfair, deceptive, or abusive acts or practices in connection with any transaction with a consumer for a consumer financial product or service. Experians practices in handling my disputes have been both unfair and deceptive, thereby violating this act. 
FCRA 611 ( Procedure in Case of Disputed Accuracy ) : This provision requires that credit reporting agencies must conduct a reasonable investigation of the disputed information, which includes properly forwarding all relevant dispute information to the furnisher. Experians failure to do so has violated this mandate.

FCRA 623 ( b ) ( Responsibilities of Furnishers of Information ) : This section outlines the duty of furnishers to investigate the disputes received from the credit reporting agencies. Incomplete or inaccurate communication from Experian compromises the ability of furnishers to comply with this obligation. As a result of these violations, I have suffered ongoing financial repercussions and undue stress. The failure of Experian to act according to federal laws has not only impeded the correction of my credit report but also prolonged the negative consequences of identity theft on my personal and financial life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: CMG Financial Services, Inc.
State: LA

Complaint narrative:
Requesting PMI removed because the value of the home is way higher than 20 % of the loan. Im being told that my loan amount has to be less than 80 % of the original loan amount. Per CFPB website the value of the property has to be higher than 20 % of the loan. I have requested to get an updated appraisal but all sites including CMG website show the value 35 % or higher than the loan amount.

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: 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: FL

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
The company gave us unclear terms on the vehicle and charged a misleading finance charge to our agreement. The person who was the main driver defaulted due to the high cost of the loan. I was the co-signer and was also mislead by the company. They threatened to ruin my credit and used high pressure tactics to try and force us to pay the remaining balance, which is almost all interest. This car company is destroying my credit reports. It is reporting open when this loan has been closed since XX/XX/year>2023. The company refused to work with us to resolve this and continued to threaten us.

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: 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: MD

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

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