vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-24 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 writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MI

Complaint narrative:
To Whom It May Concern, We are writing to formally file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding our experience with USAA Mortgage. 

We began our mortgage journey with USAA on XX/XX/XXXX. At that time, we opted not to buy down the interest rate based on the information provided by a USAA loan underwriter, who stated, " VA loans don't have closing costs when refinancing. '' This inaccurate statement led us to believe that we could refinance in XXXX months without incurring any closing costs if interest rates dropped by XXXX  % or more. Unfortunately, we have since learned that when refinancing VA loans, closing costs are in fact involved. 

After the six-month period following our mortgage closing, interest rates did drop by at least XXXX %. However, we discovered that USAA had sold our mortgage to another bank. Despite this, we were eager to pursue refinancing our XXXX loan. Contrary to the initial assurances we received, we found that banks offering VA loans do charge closing costs for refinancing. USAA retains audio recordings of the conversation with the underwriter, which confirm our account of events. 

On XX/XX/XXXX, I spoke with the XXXX of the loan underwriter, who acknowledged the inaccuracies in the original statement. Unfortunately, she informed us that there was nothing USAA could do to rectify the situation, which we find unacceptable. 

We believe that USAA either intentionally misled us in an effort to issue higher interest rate loans or failed to adequately train their staff on the specifics of VA loans and refinancing. This misrepresentation has resulted in significant financial losses for our family. 

Additionally, during a call with the loan underwriter on XX/XX/XXXX, we were taken aback by his unprofessional demeanor, as he laughed and expressed disbelief over our expectations of USAA 's response. This experience, combined with the initial misinformation, has compelled us to file this complaint. 

We appreciate your attention to this matter and look forward to your prompt response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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 XXXXXXXX XXXX XXXX XXXX  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 2025-01-24 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: LA

Complaint narrative:
I am writing to dispute a debt that your agency claims I owe. Under my rights as outlined in federal law, specifically 15 USC 1692g of the Fair Debt Collection Practices Act ( FDCPA ), I request written validation of this debt.

Please provide the following information : 1. The original contract.

2. The amount of the debt.

3. The name of the original creditor.

4. A detailed explanation of the debt, including any interest, fees, or additional charges.

Under 15 USC 1692c Debt Collectors can not discuss the debt with third parties without the consumers consent, except to obtain location information. I request that all collection activities cease.

Additionally, I would like to highlight 15 USC 1681b of the Fair Credit Reporting Act ( FCRA ), which prohibits obtaining consumer credit information through false pretenses. Any attempt to misrepresent this debt could result in legal consequences for your agency. 

Please treat this letter as a formal dispute of the debt in question. I request that you cease all communication with me regarding this matter until you have provided the requested validation. 

I expect to receive this validation within 30 days of the date of this letter. This ongoing situation has prompted me to seek assistance from the Consumer Financial Protection Bureau ( CFPB ) to ensure my rights are upheld. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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:
I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies inn my credit report. Despite my submissions, Transunion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1981I, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPD-0002 ) against them for similar actions. I request that the CFPB take action to ensure Transunion complies with the federal law and provides consumers with the necessary proof of investigation. 



These are the accounts that I have marked as inaccurate. 

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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The name is XXXX XXXX XXXX is wrong and not on my ID. It is on my SSCard. But it is incorrect on my credit report. 
The correct name is 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 2025-01-24 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: TX

Complaint narrative:
The name is XXXX XXXX XXXX is wrong and not on my ID. It is on my SSCard. But it is incorrect on my credit report. 
The correct name is XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: AR

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 ongoing 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 2025-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
In the past year a has XXXX major water damage in my house that requires lot of repairs. During those repairs there several damage that the insurance didnt covered that I had to paid for my self. I had replaced all XXXX bathrooms from my own pocket, fixed XXXX of the bedhrooms flooring that the insurance denied and the house plumbing. I didnt have no choice but to do those repairs that cost me $ XXXX paying {$5000.00} for the XXXX claims deductibles. Those expenses drain me financially. 
Furthermore after moving in the house XXXX weeks ago when the repair was completed. I realized that the contractor that was in charge to remove and bring back my personal properties has stolen everything from my house, even spoons. Now I am in my house with my family with not even a spoon.

I contacted Select portfolio and explained them my situation. I did request a payment plan when the repairs were completed but now with this situation, I have asked for a at least a 6 months deferment. Because at this point I am extremely stressed and financially drained.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: NC

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Experian consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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:
Disputing late payments that were paid on time but showing late on my credit report. 

XXXX XXXX XXXX- XXXX XXXX-XXXX XXXX XXXX XXXX Showing late payments as well XXXX showing late time All shown around the same time but all paid on time per the company 's guidelines. 

Please have these updated immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: IL

Complaint narrative:
Disputing late payments that were paid on time but showing late on my credit report. 

XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX Showing late payments as well XXXX showing late time All shown around the same time but all paid on time per the company 's guidelines. 

Please have these updated immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: OH

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U. S. C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CULLEN/FROST BANKERS, INC.
State: MD

Complaint narrative:
I'm a international traveler who open checking accounts numbers internationally globally. I I'm a former XXXX, duty station, XXXX XXXX XXXX. Texas XXXX from XXXX through XXXX, united states regular XXXX. 
I was at XXXX XXXX, Texas around XXXX through XXXX. During said years I open a checking account in a frost bank at XXXX XXXX XXXX. 
The database computer of state was on the Texas i.d . card.numbers. 
My address when frost checking account was opened was, XXXX XXXX XXXX XXXX. XXXX XXXX, Texas XXXX. 
My Texas XXXX card numbers are. 
XXXX, texas. 
Said checking account numbers are freeze. 
No debits No credit, but active account I lost my last bank statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: FL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 non-monetary relief
Consumer complaint received 2025-01-24 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:
I want reported accounts to be removed. 

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 2025-01-24 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: TX

Complaint narrative:
I want reported accounts to be removed. 

XXXX XXXX XXXX. 

XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The changed my name back to XXXX XXXX XXXX XXXX per Equifax confirmation received and attached on XXXX I am not a XXXX per a myriad of documentation submitted to Equifax, CPFB, and OEIG. Equifax 's mailed confirmation indicates that the freeze has been lifted when I explicitly requested it to be frozen and remain frozen, and has a XXXX at the end again, when I sent my DL, SS Card, Birth Certificates from the county and hospital. I don't know what's happening here, but this is unprecedented negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: WV

Complaint narrative:
In Accordance with the Fair Credit Reporting Act, TransUnionXXXX have violated my rights.

Under 15-USC, 1681 Section 602 states I have the right to privacy.

Under 15-USC, 1681 Section 604a also states a consumer report agency can not furnish an account without my written instructions.

Under 15-USC, 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This address of XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Does not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
I never sign a Contract with this company or credit agency. I have fought this credit allegation before through another credit agency and it was delete from my credit report now being represented by Midland credit XXXX illegally when I never entered into agreement regarding fake information represented on my credit report.This Company is Violating my rights they have not provided Validation information under 12CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: SC

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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