vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Security Credit Services, LLC
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold 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 the debt. Thus, 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 2025-01-05 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: NC

Complaint narrative:
I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items.

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 2025-01-05 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: TX

Complaint narrative:
It has come to my attention my personal information has been exposed in a national data breach. After reviewing my credit reports I noticed some accounts I am not familiar with. I have asked the CRA 's for validation of debt, however the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint reporting the information I am not familiar with. 
Please find attached a copy of My ID, The FTC complaint, a copy of the Equifax data breach showing my information being exposed in a national data breach, and a Validation of debt letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 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: TX

Complaint narrative:
I thought the economy was bad, but after looking at my credit report it is clear which is way worse all I see are inaccurate information which is causing me immense stress. I want to uphold my rights as a consumer, it is so depressing that I have to go through all this and I wouldnt even be able to afford a XXXX for that because my cards will just get declined due to my credit score being low with all these wrong 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 2025-01-06 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: AZ

Complaint narrative:
Transunion has the following accounts on my Credit Report that they will not remove. See the Attached FTC report. XXXX. XXXX, XXXX, XXXX Florida, and XXXX XXXX. These are not mine.

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 2025-01-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
I spoke to multiple Escrow Dept Reps around XX/XX/XXXX and again on XX/XX/XXXX where I escalated my call to speak to a supervisor asking why does my mortgage increase every year, what formula are they using for yearly escrow analysis, and lastly where does it say I have to have a reserve account setup on my FHA loan. The representative advised me the escrow analysis is based upon XXXX mortgage insurance and taxes, but since I had a very minute escrow credit, they said my monthly mortgage payment will increase because that's the norm for FHA loan. So right now they are telling me whether I pay the reserve amount or not or elect to have it removed, my payment will increase either way which does not make sense to me. I have always been told in previous home purchases if there is an escrow shortage you have a certain period of time to pay it so that your monthly payment does not increase. The representative says that is not how it works. Actually I thought the original mortgage company said this had to be a conventional loan, because there were a lot of issues that would have prevented approval for a FHA Loan. I feel like this mortgage company is not representing its customers in an ethical manner, at this rate my mortgage will continue to go up every year so why get a FHA Loan with a fixed rate? Help me to understand how they make these rules with their company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold 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 the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NC

Complaint narrative:
XXXX fraudulent charged my account for just under {$86.00} stating I agreed to prepay for 1 year of a photo editing app. XXXX XXXX. I cant use a photo editing app. After that process I disputed with the bank ( Chime ) who also denied the claim without even allowing me to provide supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: NC

Complaint narrative:
I have previously disputed these accounts. Please provide me with a description of the procedure used to determine the accuracy and completeness of the information of verification. Please provide documentation which justifies your belief that these erroneous accounts are accurate and in fact reporting per the FCRA requirements. I request this under 15 U.S. Code 1692g- validation of debts. If the information is not provided, or the false reporting isnt removed you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus only report 100 % accurate credit information! Please provide this information within 15 days of the completion of your reinvestigation. Send me a new report after you DELETE these erroneous accounts. Enclosed are documents that verify my identity. 


XXXX XXXX XXXX XXXX ( High credit limit wrong ) ( payment history wrong ) ( date opened 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 2025-01-05 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: CITIBANK, N.A.
State: NY

Complaint narrative:
According to the IRS an unpaid charge off is an income and according to the FCRA income can not be reported on a credit report I received a 1099 c for the following account XXXX XXXX account XXXX Amex /DSNB account XXXX and XXXX XXXX account XXXX after checking my most recent report the unpaid 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 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 2025-01-05 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Credit Sage LLC
State: NC

Complaint narrative:
XX/XX/year> called number on credit report to pay off or make arrangements to fix derogatory mark. Paid total of {$400.00} upfront for credit to be fixed in XXXX days guaranteed. Called every month with no update. XXXX day XXXX i asked for documentation explaining what they fixed and it turns out they could only view my report through XXXX party which i was expected to pay. I was completely unaware of that. That means after XXXX day trial they had no idea what was going on and didnt even care. XXXX months later still no update. I want my money back. I was completely scammed and by the company collections told me to call to resolve the issue. I was charged {$370.00} for initial work which was a single letter and {$100.00} a month after that for XXXX months. I do not have money thats why i was so desperate to fix my report in order to get loan for much needed home repairs which i can not afford. I need to finance to get my roof fixed with small children in my house and this delayed me XXXX  months in winter. My wife and i do not know what to do andbit is causing major stress. Kids health being affected and structural degradation is steady increasing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV FINXACT CORE
State: NJ

Complaint narrative:
On XX/XX/XXXX Money Network posted payments I received under the state of New Jerseys Family Leave Insurance, a total of {$12000.00}. Since then I have tried to complete external bank transfers to my bank accounts. I continue to receive errors on both the mobile app and website stating Invalid Request when trying to transfer available funds to external bank accounts. I was successful XXXX time in transferring {$10.00} to an external account on XX/XX/XXXX, and have yet to be able to transfer any other funds since. I have tried transferring different amounts and to different accounts at different banks. I called into customer service on XX/XX/XXXX and the initial representative told me it was a problem with my external bank and to try doing it through the website. She also said that the routing and account number would be on the website. The second representative I spoke to on XX/XX/XXXX clarified that the account with money network is a prepaid card and does not have an account or routing number. She also saw the numerous transfer requests I made but stated that there was no error code available to determine why the transfers were failing. Money Networks recommendation to get the funds were to either go to an ATM or ask for a cash advance at my bank. This results in many issues 1. I dont have a bank with a branch to conduct a cash advance 2. I should not be subject to potential fees because Money Networks operational and technical errors 3. I would need to go to an ATM or check cashing service 22 separate times to access my full available funds due to daily withdrawal limits, which would potentially result in being charged fees 22 times just to access my money. The second representative did file a complaint with Money Network on my behalf but was unable to provide a resolution on being able to complete an external bank transfer.

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 2025-01-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
The owner did not disclose all issues mold in basement effervescence and water in basement foundation issues and plumbing. The electrical panel box was not grounded. Mold in master bedroom closet and shower. The appraisal over look mold and took pics trying avoid the issues. The ceiling was painted over in all rooms signs of roof and attic issues after it rain real hard after moving in. Hvac system on second level do not work for air or heat. I asked my realtor to walk away he told I would get sued. I tried to go to court they told them to file so i would have to do case over. I closed on XX/XX/year>. Etc I have estimate from top to bottom appraisal was a lie and XXXX should denied loan for mold etc the realtors knew too covered up so much and I should get help with roof, electrical, basement no permits for work done by husband either. No inspection and appraisal did not disclose issues etc want he'll please sick

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: PA

Complaint narrative:
I was informed by TransUnion that my personal information, such as name, Social Security number, credit card details, etc. ], was compromised due to a data breach. 

I am concerned about the potential misuse of my personal data and have already taken precautions such as [ police report, freezing my credit. However, I feel that the response from TransUnion has been inadequate in addressing the risks and providing sufficient remedies for the breach. 

I am seeking further assistance in ensuring that TransUnion takes accountability and provides better support to affected consumers.

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 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Consumer Adjustment Company Incorporated
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX Dear CFPB Complaint Department, I am submitting this formal complaint regarding a debt collection account that has been inaccurately and unfairly reported on my credit file. Below are the details of the disputed account : Collection Agency : Consumer Adjustment Company Original Creditor Name : XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount Reported Owed : {$1200.00} Date Reported : XX/XX/XXXX This account, reported as unpaid, appears to violate multiple provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I am requesting your intervention to ensure the matter is addressed appropriately. 
1. Failure to Validate the Debt ( 15 U.S.C. 1692g - FDCPA ) : I have not received adequate validation from the debt collector, Consumer Adjustment Company, as required under the FDCPA. Despite my requests, no proof has been provided to verify the legitimacy of this debt, including the original agreement, itemized charges, and proper transfer of ownership. 
2. Inaccurate Reporting ( 15 U.S.C. 1681e ( b ) - FCRA ) : Under the FCRA, information furnished to credit reporting agencies must be accurate. The amount reported ( {$1200.00} ) appears inflated, as the original balance owed was {$920.00}. Additionally, there is no explanation for the increase, and discrepancies in the reporting make the account unverifiable. 
3. Violation of Statute of Limitations ( Applicable State Law ) : The date of first delinquency is listed as XX/XX/XXXX. Depending on my states statute of limitations, this debt may no longer be legally collectible. Consumer Adjustment Company has failed to provide clear documentation proving otherwise. 
4. Harassment or Misrepresentation ( 15 U.S.C. 1692d and 1692e - FDCPA ) : If this debt is invalid or beyond the statute of limitations, continued reporting of this account constitutes deceptive practices and harassment under the FDCPA. 


I am deeply concerned about the negative impact this account has had on my credit profile and financial wellbeing. I trust that the CFPB will take appropriate measures to ensure this matter is resolved fairly and in accordance with federal law. 

Thank you for your assistance. I am attaching all supporting documentation for your review. 

Sincerely, XXXX XXXX XXXX XXXX SSN : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 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: MI

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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 2025-01-05 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: Nelnet, Inc.
State: IL

Complaint narrative:
Im making a statement Any loan from any financial institution/ organization the company or institution must inform the consumer of their rights. Under the Gramm Leach Bailey Act I the consumer XXXX XXXX have the right to Opt Out of getting my non-public personal information shared with non affiliated parties. Non affiliated third parties such as The Credit Bureaus XXXX, XXXX, and XXXX. This is a violation of my rights by not providing me my Opt-out Disclosure. As a consumer I have the right to privacy and also have the right to opt out of getting non public personal information to non affiliated third parties. Federal Student Aid NelNet is in violation of my rights.

Company response to consumer: Closed with explanation