vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: MORGAN STANLEY & CO. LLC
State: FL

Complaint narrative:
****This is NOT a duplicate complaint**** Hello, I have been trying for 2 full business days ( XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) to get E*Trade to close my max rate checking account. Their system will not let me close my checking account through my online account and it says I have to call the XXXX phone number. I thankfully was able to transfer all of my money out of the checking account on XXXX XXXX XXXX On XXXX XXXX, I spoke with XXXX XXXX ( XXXX ) from the new accounts department and he said that the issue was that I have {$.00} accrued interest and that is preventing it to be closed. He said it would post on XXXX XXXX and he would monitor it and close it. As usual with their terrible customer service employees, this was not done. So I called XXXX XXXX around XXXX XXXX XXXX and spoke with XXXX, from new accounts to see if he could close it. He seemed to have no idea what to do and put me on hold for over 10 mins supposedly talking to another department. He then said the same thing-it would be closed today and he would monitor it and call me. Of course, he did not. So I called on XXXX XXXX  around XXXX XXXX XXXX and XXXX XXXX ( new accounts ) said that I had to send in a request with my name, DOB, user name, asking them to close the max rate checking account with the account number, where to send the {$.00} refund balance, signed and dated, along with the front and back of my DL ( even though they must have 40 copies now of the front and back of my DL ). I did all this and uploaded the documents to E*Trade from my online account around XXXXXXXX XXXX XXXX. I do not trust E*Trade or Morgan Stanley at all so I wanted to send this complaint also since no one there seems willing to help at all. Also to E*Trade-Also, please make sure my name and address is removed from all of your data mining, postal marketing, telemarketing, e-mail lists, etc etc as I absolutely will never do business with your company again as the entire experience has been a complete nightmare. I was going to go to a Morgan Stanley advisor-but sure wont now or ever after my horrible experience. Thank you to CFPB from the valuable service you do for customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: GA

Complaint narrative:
MY PERSONAL INFORMATION WAS INVOLVED IN BOTH EQUIFAX AND XXXX DATA BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . 

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: GA

Complaint narrative:
MY PERSONAL INFORMATION WAS INVOLVED IN BOTH EQUIFAX AND XXXX DATA BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . 

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: 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 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 2025-02-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Mr Cooper failed to pay insurance premium of approximately {$2100.00} to XXXX XXXXXXXX XXXX and XXXX. Insurance was purchased through a broker. After making 2 phone calls that were ended by Mr. Cooper call center prior to finishing the conversation, I spoke to my insurance broker. My insurance broker said that Mr. Cooper reached out less than a month from the payment due date for XXXX requesting policy information. The insurance broker provided the information prior to the due date via the online portal provided by Mr cooper. The policy numbers were then visible on Mr coopers online portal prior to insurance expiration. However, the insurance premium was never paid and therefore lapsed. Mr cooper denies receiving insurance policy in order to pay despite the policy number being assigned to the mortgage escrow online. Mr cooper is now attempting to forced place insurance for the lapse and denying fault. Force placed insurance is likely to be 6x the cost of previous policy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I recently reached out to Experian in XXXX and XXXX of XXXX regarding information and items on my credit profile that were inaccurate, outdated, and even fraudulent in nature. I have reached out to try to correct this a couple of times since my original request. They willfully neglect my requests for correction of the information and now I find myself needing to make this complaint. 

According to XXXX XXXX XXXX XXXX, Experian is required to ensure MAXIMUM POSSIBLE ACCURACY. Because they refuse to comply and remove the information that I requested to have deleted, my credit report violates these laws : 15 USC 1681i, 15 USC 1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ), and 15 USC 1666b .

I have incorrect names, address, phone numbers, employers, and inquiries which were allowed without a permissible purpose or written authorization from me. All inquiries NOT tied to an account that are 30 days or older must be deleted 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 explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to formally dispute errors and inaccurate information on my credit report. These inaccuracies are not only misleading but are also negatively impacting my reputation and financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to formally dispute errors and inaccurate information on my credit report. These inaccuracies are not only misleading but are also negatively impacting my reputation and financial standing.

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 2025-02-06 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: NY

Complaint narrative:
MY PERSONAL INFORMATION WAS INVOLVED IN BOTH EQUIFAX AND XXXX DATA BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . 

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Source Receivables Management LLC
State: GA

Complaint narrative:
I asked for proof of the debt including my signature on the original contract. The documents I asked for were never provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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:
My credit report contains incorrect personal information, leading to the appearance of unknown and inaccurate accounts that do not belong to me. I have been a victim of identity theft, and my information was used fraudulently, resulting in accounts I was never associated with being added to my report. As advised by TransUnion, I filed a report with the FTC and submitted the necessary documentation, yet these fraudulent items remain. This ongoing issue is unacceptable and continues to impact me negatively.

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 2025-02-06 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX keeps reporting derogatory information to XXXX credit bureaus. The accounts were closed and transferred, yet the keep reporting when the account no longer 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 explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Dear Experian Dispute Department. I am writing to formally dispute inaccurate information that remains on my credit report despite previous dispute file with your agency. I would like to bring specific inconsistencies in my credit report to your attention, specifically pertaining to billing errors as outlined in 15 U.S code 1666 ( B ) under the billing error category ; ( 4 ) The creditors failure to accurately reflect a payment made by the obligor or a credit issued by the obligor on a statement.

( 5 ) a computation error or similar accounting error made by the creditor on a statement.

It is my Knowledge that the creditor failed to furnish me with a statement 21 days prior, which ought to be render any ramifications of late payments regarding the linked accounts.

I am in pursuit of concrete evidence from the creditors bank records that will support the assertion that I fail to make a payment resulting in an erroneous designation as late-a sign of an invoicing error therefore.

The failure to correct or remove this information after my attempt to resolve it is in violation of your obligations under The Fair Credit Reporting Act ( FCRA ), As recently highlighted in The Consumer Financial Protection Bureau ( CPFB ), lawsuit against Experian ( Case No.8:25-CV-24 ) you also violated my Consumers Rights And Privacy under the 605B.1666B.1681B and 1637B.

I am a victim of the latest data breach.

I humbly request that the subsequent entries be promptly updated on my consumers report to reflect their current status as follows : paid as agreed

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 2025-02-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AUSSRQ Holdings, LLC
State: VA

Complaint narrative:
I began receiving text and voicemails from XXXX XXXX on XXXX, XX/XX/year>. On XXXX, XX/XX/year> I contacted this business to verify its legitimacy and requested a debt verification letter. I informed the agent that I had never dealt with collections and had no clue what to do. I felt pressured by the agent to verify the debt and come up with a payment plan. The agent asked me if I would be filing my taxes and if I could use that to pay a lump sum of the debt. Which now that I have had time to reflect on the conversation was an invasion of my privacy. By the end of the phone call, in which I initially was requesting a debt validation letter, I was coerced into a verbal repayment agreement without receiving my debt validation letter. For these reasons, I am disputing this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: NC

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: NC

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Equifax said that I do not have a credit profile with them but in fact I do have a credit profile because I pulled my reports, and I have a score as well as accounts on Equifax report. So, I'm attaching My DL my social security card and the copy of the credit report that I pulled and if I don't have a credit profile, they should delete everything that is reporting on that credit profile they sent a letter stating that I don't have.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: EQUIFAX, INC.
State: IL

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. 1681 which mandates a reasonable investigation of disputes. Furthermore, Experian actions may also contravene the Consumer Financial Protection Act ( CFPA ) 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( FILE NO. XXXX ) 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. 
These are the are accounts that I mark as 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 XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: IL

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. 1681 which mandates a reasonable investigation of disputes. Furthermore, Experian actions may also contravene the Consumer Financial Protection Act ( CFPA ) 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( FILE NO. XXXX ) 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. 
These are the are accounts that I mark as 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 XXXXXXXX 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 2025-02-07 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: CT

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: PA

Complaint narrative:
When I checked my credit report today, I was surprised to find inaccurate accounts listed, and I dont understand why. I regularly monitor my credit report, but this time, there were discrepancies that I had never seen before. I tried refreshing the page, thinking it might be a display error, but the incorrect accounts were still there. Because of this, I am requesting a careful review of the documents I have provided so that I can have peace of mind moving forward.

Company response to consumer: Closed with non-monetary relief