vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-13 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: AL

Complaint narrative:
Credit reporting agency has reported that there is 30 closed accounts on my credit report. If those 30 accounts are closed then my credit report is completely incorrect and these items needs to be removed immediately.

Accounts follow : 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  All these accounts has been closed and still reporting on my credit report. Thats illegal to do.

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 2025-03-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
Received statement with increased mortgage payment, no previous notification of increase in escrow or option to pay deficit / shortage to keep mortgage payment the same. 

Spoke to XXXX different reps that tell me if I pay my shortage my payment will still be more than last year. 

Even if I pay more than shortage they will not apply to keep mortgage payment the same as last year, will still increase it. They will hold it in an account and keep the interest and not lower my payment to what it was. 

Refuses to allow me to speak to escrow department, says they do not take calls and they run the reports ad tell us how much our payments will be, what we pay towards escrow will not help bring our payment down. 

We've been trying to reach them for weeks to get a new escrow analysis done to determine how much to pay to keep our mortgage the same as we have done for year before. Now they will not allow this. No notification, nothing provided. 

They also added XXXX to our principal balance without any notification, letter stating the reason for the added almost XXXX to our principal. 

They are only placing {$520.00} per monthly payment to the principal after 20 years. We should have this paid off. 

The loan was paid in full to countrywide, endorsement received yet we are still paying on this mortgage decades later. 

They send us to incompetent reps who are there collecting a paycheck and have no idea what they are doing, only reading a script, after waiting over an hour to speak to someone in escrow. 

They raised our mortgage payment, will not allow us to pay extra to escrow to bring mortgage payment down to last 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 explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am writing to formally lodge a complaint regarding my repeated attempts to obtain my credit report from Transunion. I have made multiple requests to receive my credit report through the mail, but despite my efforts, I have not received it. 

Here is a summary of my experience : I requested my credit report from TransUnion and on XX/XX/year> they sent me back. A form to fill out, on XXXX XXXX. I sent back more than enough information and still didn't receive my credit report via mail. I then followed up with another letter with a picture of myself holding my drive license, lease agreement, copy of my driver license and social security card. Asking them to remove all old address. Didn't receive a copy of my credit report! FCRA, Section 609 ( a ) ( 1 ) States I have the right to request, my credit report!

FCRA Section 605 ( a ) ( 1 ) This section states that information on a credit report must be accurate and complete. Credit reporting agencies must ensure that the information they report is correct and updated regularly. 

I followed all instructions provided by Transunion to request my report via mail, yet I have not received any response or the requested report. 
Despite contacting Transunion on several occasions to resolve this issue, I have not received any satisfactory communication or my credit report through the mail. 

I am requesting assistance from the Consumer Financial Protection Bureau ( CFPB ) in ensuring that my credit report is delivered to me as requested. Please investigate this matter, as I believe my rights to obtain my credit report under the Fair Credit Reporting Act ( FCRA ) have not been honored. 

Thank you for your attention to this issue. I look forward to your prompt assistance and resolution. 

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 2025-03-13 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: SUN LOAN COMPANY INC.
State: TX

Complaint narrative:
I cald the creditor and ask them to remove the acout and they sed no

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am writing to formally file a complaint regarding an unresolved issue with a Macy 's charge that is impacting my credit report. I have been a loyal Macy 's customer for over 7 years, and I have never had a late payment or any issues with my account.

I ordered items from Macy 's, but I never received the items. Despite this, I was still charged, and I was not notified about any issues. I received a letter in the mail informing me of this charge, and upon contacting Macy 's, I was told it was an error on their end. Macy 's confirmed that they would reverse the payment and take the charge off my account. However, they failed to remove this from my credit report, which is severely impacting my credit score.

When I reached out to Macy 's for assistance in correcting the matter, I was advised that they could not help further. This situation is preventing me from moving forward with important financial decisions, including purchasing a home.

I kindly ask that you investigate this issue and assist me in resolving the impact on my credit report. I have always maintained a responsible payment history, and this issue has been caused by a mistake on Macy 's part. I would greatly appreciate your prompt attention to this matter to ensure that my credit score accurately reflects my true creditworthiness. 

Thank you for your time and assistance.

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 monetary relief
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Alorica Inc.
State: CA

Complaint narrative:
Identity Theft Fraudulent Employment by Alorica Inc, Systems & Services Technologies , Inc. ( SST ), XXXX XXXXXXXX. 

On XX/XX/year> the California Employment Development Department ( EDD ) notified me of employment being reported by Alorica Inc . I informed the California Employment Development Department that I did not apply for employment nor am I currently working for Alorica Inc . I immediately filed a Federal Trade Commission claim ( FTC Report Number XXXX ) and a fraud identity claim with the Social Security Administration Office, California Department of Protection and purchased fraud monitoring with XXXX. 

On XX/XX/year> I contacted Alorica Inc the company who is employing an individual with my personal information and requested to speak with the HR department. They stated I can not speak with the HR department and had to send an email to XXXX. 

On XX/XX/year> I sent an email and a correspondence explaining my identity had been compromised and used for employment by Alorica Inc . I requested for an internal investigate into this matter, to close the account, fire and arrest the individual, cease use of my personal information, and immediately correct the reported income with EDD.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: IL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing a formal complaint against TransUnion for unlawfully reporting XXXX XXXX  accounts on my credit report. This violates my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Legal Violations by TransUnion : Violation of FDCPA ( 15 U.S.C. 1692c ( b ) ) Third parties are prohibited from communicating my debt balance without my consent unless they have a legal right to collect. I have no signed contract with XXXX XXXX, meaning they lack standing to disclose, collect, or report this debt. 
Violation of FCRA ( 15 U.S.C. 1681s-2 ( b ) ) TransUnion is responsible for ensuring all reported information is accurate, complete, and verifiable. Reporting an account from an entity without legal authority to collect is a violation of this duty. 
I previously disputed this account with TransUnion, yet they failed to conduct a proper investigation or remove the unauthorized collection. Their actions constitute negligence and noncompliance with federal law. 

Requested Action : I request the immediate removal of all XXXX XXXX accounts from my credit report. If TransUnion can not verify XXXX  legal right to collect, they must delete the account immediately. 

Please investigate this matter and take appropriate action to hold TransUnion accountable for its failure to comply with federal law. I look forward to an update regarding the resolution of this complaint.

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 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
Name : XXXX XXXX XXXX ID XXXX XXXX XXXX ID TYPE : DL ID NUMBER : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I am writing to request and investigation of the following accounts I have NEVERED opened or use the accounts listed below Im requesting the following information to be deleted from my early warning consumer report immediately I attached a copy of my report to this request Bank : XXXX XXXX XXXX XXXX Open Date : XXXX Account XXXX XXXX Routing : XXXX Bank : XXXX XXXX XXXX Open Date : XX/XX/XXXX Account XXXX XXXX Routing : XXXX Bank : XXXX Open Date : XX/XX/XXXX Account : XXXX : Bank : XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Account XXXX XXXX Routing : XXXX Bank : XXXX XXXX XXXX XXXX Open date : XX/XX/XXXX Account XXXX XXXX XXXX : XXXX Sincerly, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: IL

Complaint narrative:
The Consumer Financial Protection Bureau ( CFPB ) has already documented Equifaxs repeated failures to properly investigate consumer disputes, leading to legal action for violations of the FCRA. This repeated pattern of noncompliance is unacceptable, and I will not allow my credit profile to be a casualty of Equifaxs negligence. 

The following items I am disputing are the following : Name : XXXX XXXX XXXX Federal law ( 15 U.S.C. 1681i ) mandates that Equifax conduct a thorough and legitimate reinvestigation of any disputed information within 30 days. Any item that can not be 100 % verified with legitimate documentation must be deleted immediately. I demand immediate corrective action, as these inaccuracies are actively harming my financial standing. Continued noncompliance and any further delay in addressing these issues will not go unnoticed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: Nelnet, Inc.
State: OK

Complaint narrative:
Due to the new circumstances with XXXX XXXX  and XXXX my private information had been viewed without my or with an agency outside of XXXX XXXX and company holding my debt. My privacy has been compromised due to the unauthorized access to my account and data thru the department of education.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: PA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed ite
ms within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Open Dealer Exchange, LLC
State: LA

Complaint narrative:
Hello, i filed a complaint with CFPB for incorrect information on my report. Case XXXX. I did let CFPB know that i was requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : 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 XXXXXX/XX/XXXX The company then responded with " they responded and verified that the remaining disputed information was accurate as reported. Other aspects of the disputed item ( s ) may have also been updated by the data furnisher ( s ). The result summary was sent to you for review. '' After reviewing i immediately noticed all of this was still FALSE and identity theft!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ALLY FINANCIAL INC.
State: LA

Complaint narrative:
Hello, i filed a complaint with CFPB for incorrect information on my report. Case XXXX. I did let CFPB know that i was requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX personal loan company XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Ally financial auto financing XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Auto dealer XX/XX/XXXX The company then responded with " they responded and verified that the remaining disputed information was accurate as reported. Other aspects of the disputed item ( s ) may have also been updated by the data furnisher ( s ). The result summary was sent to you for review. '' After reviewing i immediately noticed all of this was still FALSE and identity theft!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The Consumer Financial Protection Bureau ( CFPB ) has already documented Equifaxs repeated failures to properly investigate consumer disputes, leading to legal action for violations of the FCRA. This repeated pattern of noncompliance is unacceptable, and I will not allow my credit profile to be a casualty of Equifaxs negligence. 

The following items I am disputing are the following : XXXX XXXX - XXXX - {$4400.00} Federal law ( 15 U.S.C. 1681i ) mandates that Equifax conduct a thorough and legitimate reinvestigation of any disputed information within 30 days. Any item that can not be 100 % verified with legitimate documentation must be deleted immediately. I demand immediate corrective action, as these inaccuracies are actively harming my financial standing. Continued noncompliance and any further delay in addressing these issues will not go unnoticed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit report contains late payment remarks that are completely inaccurate and misrepresent my actual payment history. These false records are unfairly lowering my credit score and harming my financial reputation. I will not allow these reporting errors to go unchallenged. 

The following items I am disputing are the following : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Despite my diligence in managing my financial obligations, these mistakes continue to create unnecessary obstacles. The FCRA clearly states that any incorrect, outdated, or unverifiable information must be promptly corrected or removed. I demand immediate action to rectify these errors, as any further delay will only increase the damage already done. Failure to act swiftly will be seen as deliberate negligence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit report contains late payment remarks that are completely inaccurate and misrepresent my actual payment history. These false records are unfairly lowering my credit score and harming my financial reputation. I will not allow these reporting errors to go unchallenged. 

The following items I am disputing are the following : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Despite my diligence in managing my financial obligations, these mistakes continue to create unnecessary obstacles. The FCRA clearly states that any incorrect, outdated, or unverifiable information must be promptly corrected or removed. I demand immediate action to rectify these errors, as any further delay will only increase the damage already done. Failure to act swiftly will be seen as deliberate negligence.

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 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Equifax credit reporting agency , block information appearing on my credit report that is the results of Identity theft, data Breach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX XXXX XXXX : Account number : XXXX, XXXX : Account number : XXXX, XXXX : Account number : XXXXXXXX XXXX XXXX Account number : XXXX, XXXX : Account number XXXX XXXXXXXX XXXX  : Account number : XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, EQUIFAX DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.

Company response to consumer: Closed with non-monetary relief