vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-06 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: FL

Complaint narrative:
The errors on my report are making it harder for me to access opportunities and are unfairly damaging my scores. Its beyond frustrating to deal with setbacks caused by mistakes that are not my fault.

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 2025-03-06 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I received an email offer from Chase Auto to submit for a pre qualification for financing. Upon reviewing the terms of the email, I proceeded with the offer using the specific link provided in the email, which took me to a portal where I submitted the required information. Upon submission, I received an alert stating a hard inquiry had been posted when the email specifically said this would not occur. I immediately reached out to Chase to advise them of the matter and after transferring me through several departments, I was ultimately told to just dispute because I submitted an application. My intention was to in fact submit for the qualification with no impact to my score. While I did proceed with the application, I was under the impression that all references to credit would be made under a soft pull which is typical for surface assessments. I applied using the link provided to me, and was in no way informed that the link provided was to an actual application for credit. I have attached all relevant communication and can forward the actual email should it be required.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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:
PERSONAL STATEMENT CFPB I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX ( XXXX ) XXXX. XXXX ( XXXX ) XXXX. XXXX XXXX XXXX ( XXXX ) As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning 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 explanation
Consumer complaint received 2025-03-06 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX I recently reviewed my credit report and noticed an account that was not reporting accurately. I had 2 late payments on an account that i was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. the account has not been late on payments i've attached a copy of my report to this complaint on the following dates XXXX XXXX XXXX, I'm am now requesting that this matter to be investigated and information to be provided to with verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt 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 explanation
Consumer complaint received 2025-03-06 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: FL

Complaint narrative:
Dear Experian, I am writing to dispute the following information that appears on my Experian report from XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX Unsecured Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$19000.00}. 
I am a victim of identity theft and I never opened this account. 
XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX opened on XX/XX/XXXX and a balance of {$1200.00}. 
This account is incorrectly reporting that I have XXXX late payments. On my XXXX report there are XXXX late payments being reported. 
XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX opened on XX/XX/XXXX and a balance of {$1500.00}. 
This account is incorrectly reporting that I have XXXX late payments. On my XXXX report there are XXXX late payments being reported. 
XXXX XXXX Unsecured Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$1100.00}. 
I am a victim of identity theft and I never opened this account. 
XXXX XXXX Secured Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I am a victim of identity theft and I never opened this account. 
Public Record from a Bankruptcy XXXX XXXXXXXX on XX/XX/XXXX. 
I dont recognize this public record. Please provide proof from the court of this public record. 
XXXX XXXX from a Bankruptcy XXXX XXXXpetition filed on XX/XX/XXXX. 
I dont recognize this public record. Please provide proof from the court of this public record. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
In light of the CFPB lawsuit filed against Experian on XX/XX/XXXX, I respectfully request that you conduct a thorough investigation, as required by the Fair Credit Reporting Act. Please do not accept the findings of any furnisher who hasn't provided comprehensive and detailed results. I ask that you share the specifics of your investigation, including the furnishers response, via mail.

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 2025-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
First of all, the debt is XXXX  years old..I am expressing now for the third time an extreme need to have these numerous accounts that I have no knowledge of to be removed immediately under section 605B because it is hindering from acquiring my home for me n my XXXX son. I am XXXX XXXX XXXX n retired woman who has not been shopping anywhere since my XXXXXXXX XXXX XXXX XXXX in XXXXXXXX XXXX and XX/XX/XXXX resulting in my XXXX retirement in XXXX of XXXX I was home and had no further need to shop at any of these places and someone used my personal information knowing I was home in bed and would not become aware until it is too late and now no lender will approve me and my XXXX child for a home. please rectify this matter I implore you to please help my small family acquire this much needed home. 
Case # XXXX is the case number for all complaints entered on XXXX XXXX complaint was phoned in for the third time it is in the system at both XXXX and XXXX along with fraud alerts I unfroze my credit so that a lender can reapprove me for a house for my son and I and I was denied due to a terrible credit report that was not my doing and I proactively tried to rectify and none of the credit bureaus lifted a finger to fix or clear any discrepancies on my report and I even paid a credit repair company to send XXXX dispute letters last year ( XXXX XXXX  ) and nothing was fixed at all and I lost my opportunity last year to purchase a house if I lose this chance again I will be on the street and I will go to the media because I am not being heard n Im XXXX this is abuse on the physically developmentally challenged and I will not let this hinder my sons quality of life again.

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 2025-03-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
Dear XXXX XXXX XXXX, I am writing in response to a notice I received from your agency dated XX/XX/year>, concerning the alleged debt of {$520.00}. Under the rights granted to me by the Fair Debt Collection Practices Act ( FDCPA ) and any relevant state laws, I am requesting validation and verification of the debt, as well as the following specific documents : Proof of the Debt : Please provide me with the original creditor 's name, the amount of the original debt, and the full payment history, documenting the amount you claim I owe.

Authorization to Collect : Confirm that your agency is licensed to collect debts in my state of residence and provide me with your license numbers and Registered Agent.

Chain of Assignment : I request that you provide me with the documentation evidencing the chain of assignment from the original creditor to your agency, proving the legality of your right to collect this debt from me.

Copy of the Original Contract : Please provide a copy of any original signed agreement or contract pertaining to this debt, if applicable. 
Please cease all collection activities until the requested information has been provided and validated. If you fail to provide the validations and documentation as requested, I expect you to cease collection attempts and remove this account from my credit report. 
Thank you for your cooperation. I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: CA

Complaint narrative:
A month prior, I lodged a complaint with these Bureaus ; however, the erroneous information on my report remains unchanged. I have not received any communication from them, apart from your notice indicating that the company has responded to my complaint. How can I be assured that they have thoroughly examined the inaccuracies? What measures were implemented to validate the accounts? This entire situation is exceedingly frustrating, particularly given that more than 30 days have elapsed since I submitted my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: VA

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 XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practices violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions XXXX also contravene the Consumer Financial Protection Act ( XXXX ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the XXXX recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with necessary proof of investigation. 

These are the accounts that I have marked as inaccurate XXXX closed XX/XX/year>.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
continue to be contacted by the debt collection agency claiming that I owe a debt, no valid debt validation or ownership has been submitted for proof.

LVNV FUNDING LLC Original creditor : XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$600.00} past due as of XX/XX/XXXX. 

Status updated XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  LVNV FUNDING LLC Address XXXX, SC XXXX Phone number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX I had a phone call with a woman that works at XXXX. She told me that I had the option to continue my loans in forbearance after the policies during COVID due to the ongoing lawsuit with my student loans. She told me that if the lawsuit was not resolved by the end of XX/XX/XXXX my loans would be discharged. As of today XX/XX/XXXX I still have an outstanding balance of over {$260000.00}. The woman incorrectly told me my loans were in the initial group for borrowers defense which had a deadline in XXXX but since I was post-class I did not qualify for that ruling. I was not aware of this at the time and after doing a pro-con of the financial risk of having my loans in forbearance for a year accruing interest decided to extend the forbearance. Approximately {$15000.00} in interest have been added to my loans and as of today when I called Aidvantage said the pending lawsuit is until XXXX. Which means a year ago I should have been told that it would be a potential 8 years of interest accrual on my loans. I asked them for a copy of the phone transcript and/or notes and they said they could not provide it to me. I asked if I get a lawyer involved would that grant me the documents I am requested and was told they could decline the request. They misled me, costing me {$150000.00} at this point and I have no idea how many others they have misled. I would like the interest removed due to the incorrect information given to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter regarding my credit file. I've observed a collection entry from your agency that I was never previously informed about, and I have serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of this debt, and I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I have had over XXXX in my Ally bank account for over 10 years. I attempted to transfer money to an external account in my name in order to make a loan payment. Ally froze my account for fraud and will not answer questions or give any updates. My account has been frozen for a week. I am a long term customer with no history of overdrafts or any negative activity. They have taken my money away from me because I tried to use another bank.

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 2025-03-06 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: NY

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: IL

Complaint narrative:
XXXX XXXX XXXX, XXXX, XX/XX/year> 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 XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2025-03-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
On XX/XX/XXXX, I paid off my mortgage with Freedom Mortgage. A week later, on XX/XX/XXXX, I received a blanket letter stating that I would be responsible for taxes and insurance moving forward. On XX/XX/XXXX, I received a Delinquent Notice from XXXX XXXX XXXXXXXX XXXX # XXXX regarding unpaid property taxes. Prior to this, I had never received a tax statement from XXXX XXXX XXXXXXXX XXXX # XXXX. 


On XX/XX/XXXX, I sent a message via their messaging system to Freedom Mortgage asking why the taxes were not paid. I was informed that I should allow two business days for a response. On XX/XX/XXXX, I called the XXXX XXXX, and they confirmed that the tax bill was sent to Freedom Mortgage on XX/XX/XXXX. They also stated that they would not waive the taxes and fees. Later that same day, I called Freedom Mortgage and was told that because I had paid off my mortgage before they could pay the taxes on XX/XX/XXXX, I was now responsible for the payment. They referenced the blanket payoff letter as their explanation. 


This issue arose due to a lack of clear communication from Freedom Mortgage regarding the unpaid tax bill, and I only became aware of it when I received the delinquent notice.

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