vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-25 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: AZ

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: MN

Complaint narrative:
I am sending this complaint to TRANSUNION regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified. 

I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove these entries immediately, in accordance with my federal and state consumer rights. This complaint is also a check to ensure the items you report comply with FACTA Title 1, Section 151, which clearly outlines the procedures to be followed. 

XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$1900.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance Owed : {$6600.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$7500.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$9800.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$390.00} Date Opened : XX/XX/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 2025-03-25 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: TX

Complaint narrative:
I am writing you to file a complaint for failure to conduct a proper investigation into the fraudulent accounts reported on my credit file. Despite my previous dispute submission, which included sufficient supporting documentation

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 2025-03-25 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Real Time Group, Inc.
State: FL

Complaint narrative:
I am writing to formally address the unresolved status of loan account XXXX, which was closed more than a decade and a half ago. This loan was removed due to its predatory nature when my home went into foreclosure. The information I received was not from REALTIME Solutions but from my first lien holder XXXX. I would known otherwise if not for their assistance. 

At the time, the loan was supposed to be liquidated as part of a resolution to finalize a loan modification. However, despite the passage of years, this matter remains unresolved, and no action has been taken to finalize this issue. 

My home was destroyed by XXXX, and the only viable way forward is to liquidate the loan, accepting a percentage ( 5-10 % ) of the original balance as a final settlement. Throughout these years, I have not received any kind of notice or communication regarding this matter, which demonstrates a clear pattern of negligence and intent to avoid resolving the issue on their part. 

This unresolved issue has hindered my ability to move forward, including preventing me from accessing XXXX assistance to repair my home. If this matter is not addressed promptly, I will be forced to file for bankruptcy as the only remaining option. 

I respectfully request that the Consumer Financial Protection Bureau intervene and take immediate action to resolve this issue, including the liquidation of the loan and the removal of the lien. 

Thank you for your attention to this matter. I look forward to your timely response and the resolution of this longstanding issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In XX/XX/XXXX, I noticed that several student loan accounts, previously serviced by XXXX and now managed by XXXX, were inaccurately reported as 60 days late on my credit report with Equifax. This error has harmed my credit score. On XX/XX/XXXX, I sent a dispute letter to XXXX, requesting correction of the late payment notations for these accounts, which originated between XXXX and XXXX. XXXX responded in late XX/XX/XXXX, stating they no longer service the loans and directed me to contact XXXX, without addressing whether the late payments were accurate. 
On XX/XX/XXXX, I sent a dispute letter to XXXX, demanding they investigate and correct the payment history under the Fair Credit Reporting Act, as they are now the servicer responsible for reporting accurate information. I included documentation, such as my prior correspondence with XXXX and the Equifax report showing the errors, but as of today, XXXX has not responded or corrected the inaccuracies. The late payment notations remain on my credit report, despite my efforts to resolve this with both companies. 
Navients failure to address the dispute and MOHELAs inaction have prolonged this issue, causing ongoing financial harm. I am seeking immediate correction of my credit report and an investigation into both companies handling of this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In XX/XX/XXXX, I noticed that several student loan accounts, previously serviced by XXXX and now managed by XXXX, were inaccurately reported as 60 days late on my credit report with XXXX. This error has harmed my credit score. On XX/XX/XXXX, I sent a dispute letter to XXXX, requesting correction of the late payment notations for these accounts, which originated between XXXX and XXXX. XXXX responded in late XX/XX/XXXX, stating they no longer service the loans and directed me to contact XXXX, without addressing whether the late payments were accurate. 
On XX/XX/XXXX, I sent a dispute letter to XXXX, demanding they investigate and correct the payment history under the Fair Credit Reporting Act, as they are now the servicer responsible for reporting accurate information. I included documentation, such as my prior correspondence with XXXX and the XXXX report showing the errors, but as of today, XXXX has not responded or corrected the inaccuracies. The late payment notations remain on my credit report, despite my efforts to resolve this with both companies. 
Navients failure to address the dispute and MOHELAs inaction have prolonged this issue, causing ongoing financial harm. I am seeking immediate correction of my credit report and an investigation into both companies handling of this matter.

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 2025-03-25 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: TX

Complaint narrative:
In XX/XX/XXXX, I noticed that several student loan accounts, previously serviced by XXXX and now managed by XXXX, were inaccurately reported as 60 days late on my credit report with XXXX. This error has harmed my credit score. On XX/XX/XXXX, I sent a dispute letter to XXXX, requesting correction of the late payment notations for these accounts, which originated between XXXX and XXXX. XXXX responded in late XX/XX/XXXX, stating they no longer service the loans and directed me to contact XXXX, without addressing whether the late payments were accurate. 
On XX/XX/XXXX, I sent a dispute letter to XXXX, demanding they investigate and correct the payment history under the Fair Credit Reporting Act, as they are now the servicer responsible for reporting accurate information. I included documentation, such as my prior correspondence with XXXX and the XXXX report showing the errors, but as of today, XXXX has not responded or corrected the inaccuracies. The late payment notations remain on my credit report, despite my efforts to resolve this with both companies. 
Navients failure to address the dispute and MOHELAs inaction have prolonged this issue, causing ongoing financial harm. I am seeking immediate correction of my credit report and an investigation into both companies handling of this matter.

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 2025-03-25 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:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. 

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law. 

Please review the attached letter. Thank you for your assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: MI

Complaint narrative:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. 

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law. 

Please review the attached letter. Thank you for your assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Scherr & McClure
State: IL

Complaint narrative:
I canceled my landline service with frontier I paid my final bill. They continue to bill me and I contacted them and told them I had canceled after they turned it over to collection. I called the collection office and just tried to pay the bill so I can get it off my record. They started to take my payment but because it was the weekend they said they could not take it, and I would have to call back when I told them I was trying to settle the debt. They finally told me that they would shut the bill and I would owe nothing And now Im getting turned over to collection again Im willing to do whatever I can to get this off my credit report, but frontier has been very on business like and their collection agency the same way sincerely XXXX XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2025-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I requested an increase on my credit limit and cash advance limit. BOA declined me for untrue reasons. I believe that they actually declined me because they would make more money off me if I borrowed on my home equity account that I have with them. One of the reasons I was told I was declined is because I no longer have a checking account with them. There is no requirement for this. I believe that BOA is practicing unfair lending practices and want my account reviewed without an additional inquiry on my credit. I have perfect credit. They stated my credit balance was high which is not true. I have less than 10 % usage. They stated age between accounts opening but the accounts i recently opened were with them. And I have paid my account in full and on time since opening. Again the reasons they provided are untrue which is why I am making this complaint

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
Troubles with PHH mortgage company. 

I received notification from my town about an adjustment to my property taxes. On XX/XX/XXXX, I called my town 's tax department and subsequently emailed this information to my loan servicer 's tax department. I only received an automated response acknowledging receipt of my email. 

After receiving a delinquent notice due to a missed payment for XX/XX/XXXX ( original amount : {$460.00}, accrued interest : {$6.00} ), I followed up again by phone and email on XX/XX/XXXX. Despite these attempts, I received no response from the loan company 's tax department and was only able to speak to their general call center, which informed me they submitted another internal ticket. 

Today, I contacted my town 's tax department again to verify if payment had been received. They confirmed that payment has still not been made. I then contacted the loan servicer again but was only able to speak to their call center. They refused to transfer me directly to their tax department and would only submit another internal ticket. 

The new delinquent tax bill is due on XX/XX/XXXX. I am concerned that the loan servicer will again fail to pay on time, causing additional interest to accrue. I have included all relevant email correspondence below in the attachments. Additionally, I've included my latest escrow document and a screenshot from my township 's tax website. 

Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I did not request for credit from XXXX last year.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: TX

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX I have the right to privacy. 
XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 
XXXX XXXX XXXX : A creditor may n treat a payment on a credit card/XXXX account under an open end XXXX consumer credit plan as late for and 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 2025-03-25 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: TX

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX I have the right to privacy. 
XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 
XXXX XXXX XXXX : A creditor may n treat a payment on a credit card/XXXX account under an open end XXXX consumer credit plan as late for and purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I checked my credit report back in XX/XX/XXXX and have been having this issue since then, these inquiries fraudulent and not initiated by me. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-03-25 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: FL

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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