vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

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 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
When reviewing my credit report for Experian my summary shows I have XXXX accounts with late payments however all of my accounts listed in my credit report say never late. I did file bankruptcy so I have XXXX accounts with a derogatory remark of discharged through bankruptcy/never late. I understand having derogatory accounts but I do not understand how they can be classified as accounts with late payments over 60+days when there were never any late payments prior to filing bankruptcy or since filing. I have tried reaching Experian with no luck of speaking to an actual human being. I do not need to dispute anything with my creditors because they are all reporting correctly. My dispute is with Experian for classifying accounts associated with my bankruptcy as having late payments when there were never any late payments. XXXX  and XXXX  are NOT reporting these XXXX accounts associated with bankruptcy as having late payments I dont understand why Experian is.

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 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  - XX/XX/XXXX, XXXX XXXX XXXX  - XX/XX/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 2025-04-21 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: VA

Complaint narrative:
Violations Committed 1. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ) : Furnishers are required to report accurate and complete information. Reporting a balance by a non-owner constitutes inaccurate and unlawful reporting.

2. Metro 2 Reporting Standards : Once an account is sold or transferred, the previous owner must : Set the account balance to {$0.00} Mark the account as sold or transferred Failure to do so creates misleading tradelines, which is strictly prohibited under Metro 2 and the FCRA.

3. 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) Re-Insertion of Deleted Information : If this account was previously removed and then reinserted without proper notice and certification, that is a direct violation of federal reinsertion rules.

4. 18 U.S.C. 894 Extortionate Credit Transactions : Reporting a debt without ownership in order to damage a consumers credit or pressure repayment may constitute extortion under federal law. Penalties include : Federal fines ( as set under Title 18 ) Imprisonment up to 20 years Or both These are serious criminal penalties and, if applicable, must be formally investigated.

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 2025-04-21 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance {$34000.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX  Balance {$7200.00} Open Date XX/XX/XXXX Inquiries 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 2025-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I have been in the process of refinancing the loan and had the new mortgage company request the payoff statement back on XX/XX/XXXX as well as XXXX other attempts. I was notified by the new mortgage lender that shellpoint will not provide the payoff statement. I was assured XXXX  times myself and still have not received anything. There has been XXXX requests and shellpoint will not provide it. I am not in arrears and believe they are going try to collect or damage my credit and would like this situation investigated. I have had stellar payment history and do not understand why they would do this. It is now XX/XX/year>. 

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 explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK
State: TX

Complaint narrative:
According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I received a 1099-C ( Cancellation of Debt ) for the following charged off accounts listed below. ( XXXX  Formerly XXXX ), After checking my most current report the updated information stated this account was still being reported. This account can not be reported as a charge off on my credit report. Please cease the reporting and delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: PA

Complaint narrative:
Old info. Paid off. XXXX. Or completely wrong.

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 2025-04-21 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: MD

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Upon reviewing my payment records, I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation XXXX  transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Newrez LLC conducted an escrow analysis on my mortgage on XXXX with incorrect insurance premium amount resulting in a payment increase. Contacted on XXXX XXXX provided correct insurance premium XXXX requested updated escrow analysis. Called numerous times thereafter XXXX correct discrepancy, still not completed, refuses XXXX states that I have to pay the higher payment amount that I am unable XXXX  afford.

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 2025-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
My XXXX account was restricted for security reasons without adequate explanation. I contacted customer support multiple times requesting escalation XXXX a supervisor or XXXX XXXX XXXX XXXX. 

Instead, I was repeatedly connected XXXX offshore agents who were unable XXXX assist, XXXX at XXXX point, my call was disconnected when I requested escalation. 

I was originally told my account restriction would be lifted by XX/XX/XXXX, but today is XX/XX/XXXX and my account remains restricted with no clear communication or updated timeline. 

I have filed a complaint with XXXX as well. 

I am requesting XXXX assistance XXXX compel XXXX XXXX properly escalate my case XXXX restore access XXXX my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: NV

Complaint narrative:
I am writing XXXX 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 XXXX the Federal Trade Commission XXXX 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 XXXX section XXXX of the Fair Credit Reporting Act.

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 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally dispute the inaccurate personal information listed on my credit report. Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Greenwood and Allen Financial
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX claiming I have a loan from over XXXX years ago, XXXX an address that is over XXXX years old and no date for the loan. Says the loan is for {$1700.00} XXXX that I need XXXX pay it XXXX them by debit or credit card now or I will be arrested for fraud and check deception. I never took out a loan. They have a different email address and a new billing address of my business that I have only had for XXXX years. I googled XXXX XXXXesearched all the information XXXX it has been reported as being a scam they tell everyone they have outstanding payday loans. I wasn't even able XXXX find the payday loan company online or their business. When I told them I was going XXXX report them the lady called back threatening me, gave me my date of birth, social security number on my voicemail and told me to just wait XXXX see what she does XXXX  me.

Company response to consumer: Untimely response
Consumer complaint received 2025-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Good afternoon. 
I have my mortgage with Truist Bank. 

In late XX/XX/XXXX, I changed my homeowner 's insurance from XXXX XXXX XXXX XXXX XXXX XXXX because XXXX XXXX 's policy was {$1600.00} less than XXXX 's. My homeowner 's premium with XXXX was @ {$4100.00}. My premium with XXXX XXXX is @ {$2300.00} As a result of this change in insurance, my mortgage payment for XXXX of this year went up by over {$200.00}. I thought the mortgage payment should go down since the new policy premium was {$1600.00} less. I made several phone calls to Truist Mortgage to discuss this increase. 

During the last phone call, which was a couple of weeks ago, the representative explained that when Truist projected my Escrow amount for XXXX in XXXX, XXXX calculated in both of my homeowners insurance polices together, resulting in a needed coverage amount of {$6000.00}. Next, the representative told me that Truist did recalculate the Escrow using just the newer policy. However, even with this newest Escrow projection, I was still short of about {$2000.00} - and this shortage would be paid by me ( and is being paid ) over the next 10 months by charging me an extra {$200.00} month for the rest of the year. Truist also explained that county taxes went up ( please know that I always assume that my mortgage will increase somewhat due to taxes ). 

However, when I changed homeowner 's insurance companies last year, I received a {$4000.00} refund check from XXXX and credited that amount back into my Escrow ( this deposit of {$4000.00} to my Escrow was made on XX/XX/XXXX ). 

So, my complaint is this : I do not understand how Truist calculated my Escrow account in such a manner that the account is short of funds equaling almost {$2000.00}, even though, I refunded {$4000.00} back to my Escrow and signed a policy that is almost {$2000.00} less that the former policy. That doesn't make sense. How did Truist calculate such a large shortage? I feel that my payment, if anything, should have gone down. 

I would appreciate any help on the matter. 

I look forward to hearing back from someone. 

Please feel free to call me as well. 

Thank you! 

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 2025-04-21 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: NC

Complaint narrative:
I have multiple issues with my Transunion credit report and have had multiple issues with the dispute process with Transunion in the past. I'll submit a dispute, go through the waiting period for the dispute process, Transunion determines that an account should be deleted as a result of their investigation and then it later on reappears back on my report. Or, account information thats being deleted from the other credit bureaus are not being removed when disputing through Transunion. Not to mention that I can not access my credit report through Transunion and have to rely on a 3rd party company to access my report. I will make a separate complaint regarding that issue. I recently filed a credit dispute for the XXXXXXXX XXXX XXXX  account and received a message that the account was deleted as a result of the investigation but t was later added back to my credit report a few days later ( attached ). Also, Transunion allows this company to change the balance multiple times within the week, each week from {$740.00} to {$740.00}? The others accounts that were closed as a result of the investigation but should be closed and permanently deleted from the credit report are XXXX XXXX and XXXX XXXX. Lastly, I received a notification from the 3rd party collection company that XXXX XXXX  Loans were reporting a 90 day past due as of last week. This should not be the case as I had a deferment and was told would be updated to current with the bureaus, which the agent did confirm was now accurate. However, only my Transunion credit score decreased by XXXX points when the XXXX  Loans were reported as 90 day delinquent. Please ensure that the XXXX points are added back to my credit score and confirm that the Student Loans are reporting as current and there isn't a 90 day past due reporting to the credit bureaus for the XXXX  Loans. The TransUnion agent that I spoke with on today at approximately XXXX XXXXEST. that confirmed this information on a recorded call is named 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 2025-04-21 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: NJ

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 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am writing XXXX have the following information removed from my credit file, the items that I need deleted are going XXXX be attached in a word document. I am a victim of identity theft. I have multiple accounts XXXX 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 XXXX  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 XXXX section XXXX of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: CA

Complaint narrative:
Subject : Complaint Regarding Fraudulent Debt Reporting by XXXX XXXX XXXX XXXX XXXX XXXX XXXX on TransUnion Credit Report Dear Consumer Financial Protection Bureau, I am writing XXXX file a formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion LLC concerning the reporting of a fraudulent debt on my credit report. 
Details of the Issue : Alleged Debt : XXXX XXXX XXXX XXXX XXXX XXXX XXXX has reported a debt of {$8000.00} XXXX TransUnion, which appears on my credit report. 
Fraudulent Account : I assert that this account is fraudulent and not associated with any legitimate debt I owe. 
Lack of Validation : Despite my requests, XXXX XXXX XXXX XXXX XXXX XXXX XXXX has failed XXXX provide proper validation of the debt, including the assignment contract and flow-forward agreement. 
Violations of XXXX XXXX Laws : XXXX U.S.C. XXXX : Failure XXXX provide written validation of the debt within XXXX days of initial communication. 
XXXX XXXX. XXXX ( c ) : Continued communication after receiving a written request to cease communication. 
XXXX XXXX. XXXX : Unauthorized disclosure of my personal information without consent. 
XXXX XXXX. XXXX : Potential identity theft due XXXX the fraudulent account being reported. 
Requested Resolution : XXXX removal of the fraudulent account from my TransUnion credit report. 
Provision of all documentation related to the alleged debt, including the assignment contract XXXX flow-forward agreement. 

Investigation into the practices of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion LLC regarding the handling of this matter. 
XXXX I have attached copies of all relevant correspondence and documentation for your review. 

Sincerely, 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 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability XXXX obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required XXXX  report only accurate XXXX verifiable information. As it is your legal obligation XXXX ensure the accuracy of consumer information, I request an investigation into these accounts and inquiries. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential 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