vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-11 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:
I was in XXXX XXXX and as I am getting back and getting everything back in order I logged into my profile and noticed that someone has been using my information. Also I found out my information was exposed in a data breach. Please see attached documents.

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 2025-03-11 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-03-11 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Ocwen Financial Corporation
State: WV

Complaint narrative:
XX/XX/XXXX. Got home. In the mail, a debt collection notice ordering me to contact the PHH Mortgage Company. As usual, the XXXX telephone numbers default overseas to the XXXX XXXX and it took over XXXX to be connected with an XXXX based rep. On closing, I bought MASSIVE and COMPREHENSIVE home owners insurance covering me from A-Z. Policy was issued via XXXX. POLICY NUMBER XXXX ISSUED ON XXXX XX/XX/XXXX and valid until XXXX XX/XX/XXXX. VALID, ACTIVE. PHH Mortgage alleges in their letter to me that my insurance supposedly expired on XXXX XX/XX/XXXX which it did not. 

QUESTION : How did they lost the ORIGINAL POLICY REQUIRED TO CLOSE? 
QUESTION : IF they actually thought I had no insurance, why did it take XXXX XXXX to send me a threatening bogus debt collection letter telling me that if I could not prove I had insurance, they would buy insurance costing more than my current policy, and hold me responsible for that policy. 

AGAIN shoddy record keeping, harassment threats, bad practices, bad faith, After about XXXX hour and XXXX minutes on the phone with XXXX, employee ID : XXXX at XXXX hours on XXXX XX/XX/XXXX, she managed to stop this, or so she said. She also said she could help with correcting my phone number since they STILL HAD AN INCORRECT PHONE NUMBER ON FILE DESPITE MANY REQUESTS TO CHANGE IT. 

So, what we have here is mail fraud, misrepresentation, aggravated harassment, faulty records management and safekeeping, and yet another example of how PHH Mortgage conducts business. 

Written throughout their letter to me, it clearly states ... '' THIS IS AN ATTEMPT TO COLLECT A DEBT .... '' etc., etc. 

NO DEBT IS OWED. 
The mortgage is paid and has been paid AHEAD OF SCHEDULE CONSISTENTLY. 
MOREOVER... .and as XXXX XXXX can independently verify, I have full blown and active home owners insurance. 

PHH MORTGAGE needs an audit. 

I WILL MAIL IN HARD COPIES OF THIS COLLECTION LETTER THEY SENT ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
The loan originated on XX/XX/XXXX, with an original term of XXXX  months and a monthly payment of {$660.00}. The first payment was due on XX/XX/XXXX, and the scheduled payoff date was XX/XX/XXXX. 

This loan was initially serviced by XXXX XXXX in XXXX XXXX and later transferred to XXXX XXXX  XXXX XXXX XXXX. While with XXXX, payments were made via XXXX. However, when XXXX XXXX  took over the loan, they provided a payment slip booklet. My first payment under XXXX XXXX  was on XX/XX/XXXX, which was recorded as Payment XXXX XXXX. The final scheduled payment was supposed to be on XX/XX/XXXX. 

During the loan term, I requested XXXX forbearances : XX/XX/XXXX, to XX/XX/XXXX XX/XX/XXXX, to XX/XX/XXXX However, the payment slip booklet issued by XXXX XXXX  included an additional XXXX months of payments, extending the final payment date to XX/XX/XXXX. This booklet listed Payment XXXX  XXXX as due on that XXXX months beyond the originally scheduled loan term. 

In XX/XX/XXXX, I was informed by a bank teller that my outstanding balance was {$6500.00}. I was also warned that failure to make a payment would result in negative reporting to the credit bureaus. Due to this, I visited the bank and spoke with a representative. I was advised that this balance was due to the forbearances I had applied for. However, even after making an overpayment of {$5800.00}, the issue remained unresolved. 

I filed a claim regarding this matter, and the claim number is XXXX. In response, I received a letter from a representative named XXXX XXXX from the XXXX XXXX XXXX XXXX XXXX. Despite this, I have not received any direct communication beyond this letter. Upon following up, I received a second letter from the same representative containing identical wording but referencing a different claim number, XXXX, for the same issue. 

I have gathered all relevant documentation, including my payment history, which proves the discrepancies in the loan servicing and extension of payments. Copies of both letters will be attached for reference. I request that this matter be thoroughly reviewed and resolved accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: NY

Complaint narrative:
I am writing to dispute the inaccurate information on my consumer report that is being reported to the credit bureaus. This is in regards to XXXX  XXXX Account Number : XXXX According to my records, the information beingreported is incorrect, and I request that it be corrected or removed. 

The following is the incorrect information on my account. The account the was originally charged off XX/XX/year>, has been reported as a charge off every single month since then. This is illegally reaging a debt that was written off years ago. 

Please be advised that under 15 U.S.C. 1692c, I am entitled to have accurate information reported, and I am formally disputing the inaccuracies on this account. I request that you conduct a re-investigation into this matter, and I ask that you provide the following : 1.A detailed explanation of the incorrect information reported.

2.The documentation you have to support your claim that the information is accurate.

3.A correction of the inaccurate information on my credit report.

If the information can not be verified, I request that it be removed from my credit report in accordance with 15 U.S.C. 1692e, which prohibits false or misleading representations.

If this dispute is not resolved in a timely and satisfactory manner, I will be forced to escalate the issue to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as pursue any legal remedies available to me. 

Please provide written confirmation of the resolution of this matter, and notify me once the inaccurate information has been corrected. 

Thank you for your prompt attention to this issue. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: NY

Complaint narrative:
I am writing to dispute the inaccurate information on my consumer report that is being reported to the credit bureaus. This is in regards to XXXX  XXXX Account Number : XXXX According to my records, the information beingreported is incorrect, and I request that it be corrected or removed. 

The following is the incorrect information on my account. The account the was originally charged off XX/XX/year>, has been reported as a charge off every single month since then. This is illegally reaging a debt that was written off years ago. 

Please be advised that under 15 U.S.C. 1692c, I am entitled to have accurate information reported, and I am formally disputing the inaccuracies on this account. I request that you conduct a re-investigation into this matter, and I ask that you provide the following : 1.A detailed explanation of the incorrect information reported.

2.The documentation you have to support your claim that the information is accurate.

3.A correction of the inaccurate information on my credit report.

If the information can not be verified, I request that it be removed from my credit report in accordance with 15 U.S.C. 1692e, which prohibits false or misleading representations.

If this dispute is not resolved in a timely and satisfactory manner, I will be forced to escalate the issue to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as pursue any legal remedies available to me. 

Please provide written confirmation of the resolution of this matter, and notify me once the inaccurate information has been corrected. 

Thank you for your prompt attention to this issue. 


Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-03-11 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:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX opened on XX/XX/XXXX ; XXXX & XXXX, opened on XX/XX/XXXX ; XXXX XXXX XXXX, opened on XX/XX/XXXX ; XXXX XXXX, opened on XX/XX/XXXX ; an unauthorized authorized user account on XXXX Card ; and unauthorized hard inquiries from 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 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 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. I have attached a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize these accounts, collections, or hard inquiries as reported. These items appearing on my consumer credit report were not opened, made, or initiated by me and are all the result of identity theft and fraud. Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts and inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: IL

Complaint narrative:
while checking my credit, I noticed a collection from Source Receivables Management unpaid status under my account dated XX/XX/year> of {$140.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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:
I was in XXXX XXXX and as I am getting back and getting everything back in order I logged into my profile and noticed that someone has been using my information. Also I found out my information was exposed in a data breach. Please see attached documents.

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 2025-03-11 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: FL

Complaint narrative:
I was in XXXX XXXX and as I am getting back and getting everything back in order I logged into my profile and noticed that someone has been using my information. Also I found out my information was exposed in a data breach. Please see attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I received XXXX physical American Express Gift Cards. I attempted to use them on XXXX, XXXX, and XXXX sites as well as in-person and was declined every single time, though {$0.00} bank transaction charges are showing as pending from XXXX on XXXX of the cards. 

Many people have reported having this problem starting XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-11 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:
This morning, I noticed some incorrect accounts appearing on my credit report, and I have no clue how they got there. I routinely check my report, but this time, unexpected discrepancies showed up. I even refreshed my browser, hoping it was a simple glitch, but the errors remained. Because of this, I request a thorough review of the documents Ive submitted so I can have peace of mind.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally file a complaint regarding Transunion, one of the three major credit reporting agencies, for failing to remove inaccurate and fraudulent collection accounts from my credit report. These accounts do not belong to me, and despite my multiple attempts to resolve this matter directly with Transunion, they have refused to remove these items from my report. 

Here are the details of my complaint : Account ( s ) amounts in Dispute : {$440.00}, {$270.00}, {$520.00}, {$520.00} {$1.00}, {$720.00}, {$3000.00}, {$1000.00}, {$10000.00} Dates of Previous Disputes : XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> I have disputed these collection accounts multiple times with Transunion, providing clear evidence that the accounts in question are not mine. Despite this, Transunion has failed to take appropriate action to correct the inaccuracies and remove the fraudulent accounts from my credit report. Transunion continues to state that accounts have been verified and deemed factual but has yet to provide solid proof that accounts belong to me. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is free from false information. I have made every effort to resolve this matter directly with Transunion, but they have not upheld their responsibilities as a credit reporting agency. As a result, my credit report continues to show inaccurate and damaging information, which is affecting my credit score and my financial well-being. 

I am requesting that the Consumer Financial Protection Bureau intervene in this matter and take appropriate action to ensure Transunion corrects these errors and removes the fraudulent collection accounts from my report immediately. 

Please find attached copies of all relevant documentation, including my credit report, the dispute correspondence, and any supporting evidence I have submitted to Transunion. 

Thank you for your attention to this matter. I appreciate your assistance in helping to resolve this issue as swiftly as possible.

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 2025-03-11 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: TX

Complaint narrative:
This morning, I discovered an unauthorized inquiry on my credit report, and I have no idea how it got there. When I checked my report, I noticed unexpected discrepancies that appeared out of nowhere. I even refreshed my browser, hoping it was just a glitch, but the inquiry remained. This situation is extremely frustrating, and I demand that the documents Ive submitted be thoroughly reviewed so that I never have to deal with this again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This morning, I was horrified to see an unauthorized inquiry on my credit report, and I dont understand how or why it appeared. I checked my report as I normally do, only to find a discrepancy that shouldnt be there. I tried refreshing the page, but the issue persisted, proving that this isnt just a temporary error. This has caused me significant frustration, and I demand that my submitted documents be reviewed thoroughly so I can finally put this issue to rest.

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 2025-03-11 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: CA

Complaint narrative:
Experian has failed to fulfill it's legal obligation under the fair credit reporting act ( FCRA ) TO CONDUCT a reasonable reinvestigation of disputed information. On my credit report leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian alleging systemic issues, such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, failing to adequately notify consumer of dispute outcomes.these failures align with my experience, where Experian has neither corrected nor removed disputed items dispute the evidence I provided, causing ongoing harm to mg credit standing. I am requesting immediate corrective actions to remove or amend the disputed accounts, as Experian inaction violates federal law and my rights as a consumer

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation