vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am formally disputing several violations regarding my credit report maintained by TransUnion. My report states that I have opted out of promotional offers and inquiries with no expiration date, and there is both a security freeze and a fraud alert in place. Despite this, TransUnion still provided my information to XXXX XXXX, which then sent me promotional offers only to later deny me credit without justification. 

Additionally : XXXX XXXX placed unauthorized hard inquiries on my report, which I did not initiate. I have reported this to TransUnion multiple times, yet no action has been taken. 
XXXX  XXXX is falsely reporting late payments on an account that does not belong to me. 
These errors have severely damaged my ability to obtain credit, leading to multiple denials for auto loans and mortgages. 
These actions violate consumer protection laws, and I am demanding immediate resolution. I expect : The removal of all unauthorized hard inquiries. 
The deletion of the inaccurate late payment reporting. 
Compensation for the financial harm and damages incurred due to these errors.

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 2025-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
Hello, My name is XXXX XXXX. I am a homeowner, and I pay my mortgage to Mr. Cooper. Mr. Cooper holds my escrows, and they are responsible for my property tax. They did not pay my tax, and I have been contacted them for two months. My house is under the risk of delinquent tax sale, and Mr. Cooper did not resolve my issue. This is the detail of what happened : XX/XX/XXXX, received late property tax notice from XXXX XXXX ( Notice 1 ) XX/XX/XXXX, send email to Mr. Cooper requesting property tax payment. Mr. Cooper holds my mortgage escrow account ; they are responsible for my property tax. ( Email 1 ) Multiple phone calls between me and Mr. Cooper. 
XX/XX/XXXX, contact Mr. Cooper again, resend the request following their preferred format. ( Email 2 ) Multiple phone calls between me and Mr. Cooper. 
XX/XX/XXXX, send them a deed to prove I am the property owner. Mr. Cooper said the issue should be resolved with a week. ( Email 3 ) Multiple phone calls between me and Mr. Cooper. 
XX/XX/XXXX, we received final noticed about outstanding property tax from the XXXX XXXX ( Notice 2 ). 
XX/XX/XXXX, we sent an email to Mr.Cooper to emphasize this urgency ( Notice 4 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: CA

Complaint narrative:
I am filing a complaint regarding violations of my rights under the Fair Credit Reporting Act ( FCRA ), specifically FCRA 605B ( 15 USC 1681c-2 ). I have reported an identity theft incident and submitted a formal dispute to the three major credit bureaus ( XXXX, XXXX, and XXXX ), accompanied by an FTC Identity Theft Report. Despite my attempts, all three bureaus have failed to respond to my correspondence or update my credit reports within the required timeframe of 30 days. 

Under FCRA 605B, I am entitled to have fraudulent information blocked from my credit reports after providing proper documentation, including proof of identity theft. However, my reports remain unchanged, and no actions have been taken to comply with federal law. This lack of response constitutes a violation of my rights as outlined in FCRA and related sections under 15 USC 6508, XXXX, XXXX regarding consumer privacy and data protection. 

I request immediate enforcement of my rights under the FCRA and prompt resolution of these failures to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: GA

Complaint narrative:
XXXX made it difficult for me to make payments to my secured credit card. I made a payment from my XXXX XXXX XXXX  account several times, and the payments were returned. 

XXXX closed the account and used the secured payments to pay the account off. However, my credit report, it is showing bad debt charged off. I have called XXXX which has a foreign customer service call center and they have not corrected the problem with the information on how it is being reported.

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 2025-03-23 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: GA

Complaint narrative:
XXXX made it difficult for me to make payments to my secured credit card. I made a payment from my XXXX XXXX XXXX  account several times, and the payments were returned. 

XXXX closed the account and used the secured payments to pay the account off. However, my credit report, it is showing bad debt charged off. I have called XXXX which has a foreign customer service call center and they have not corrected the problem with the information on how it is being reported.

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 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX made it difficult for me to make payments to my secured credit card. I made a payment from my XXXX XXXX XXXX  account several times, and the payments were returned. 

XXXX closed the account and used the secured payments to pay the account off. However, my credit report, it is showing bad debt charged off. I have called XXXX which has a foreign customer service call center and they have not corrected the problem with the information on how it is being reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Neither XXXX nor XXXX have the delinquent account, I repeatedly call Transunion and no information is given, except that they are investigating. I called XXXX myself, and they have never had me as a customer. The account named by Transunion shows that there was suddenly a collection after 2 years of delinquency.

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 2025-03-23 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: IL

Complaint narrative:
This account was charged off on XX/XX/XXXX. I've reached out to XXXX several times, and here 's a few dates to name a few, over the last couple of years. Some of the dates being, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, for the balance of {$6500.00}, to name a few dates. Each time they sends me a later which states they don't have the loan or any information. I've asked you'll for help before because this is reporting on my credit report. Not only is it an error on my report but it's being reported as a charge off several times which makes the account stay longer because it's being re aged and that's illegal. 

This is a formal complaint that they're reporting inaccurate and incomplete credit information. 
This following information has been included in my credit profile and that the procedures have not ensured maximum possible accuracy in the reports they've published. Credit reporting laws require bureaus to report only fully accurate information, and every effort must be made to ensure its correctness. 

Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in reporting. Please DELETE this misleading information and supply a corrected credit report.

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 2025-03-23 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: IL

Complaint narrative:
This account was charged off on XX/XX/XXXX. I've reached out to XXXX several times, and here 's a few dates to name a few, over the last couple of years. Some of the dates being, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, for the balance of {$6500.00}, to name a few dates. Each time they sends me a later which states they don't have the loan or any information. I've asked you'll for help before because this is reporting on my credit report. Not only is it an error on my report but it's being reported as a charge off several times which makes the account stay longer because it's being re aged and that's illegal. 

This is a formal complaint that they're reporting inaccurate and incomplete credit information. 
This following information has been included in my credit profile and that the procedures have not ensured maximum possible accuracy in the reports they've published. Credit reporting laws require bureaus to report only fully accurate information, and every effort must be made to ensure its correctness. 

Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in reporting. Please DELETE this misleading information and supply a corrected credit report.

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 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This account was charged off on XX/XX/XXXX. I've reached out to XXXX several times, and here 's a few dates to name a few, over the last couple of years. Some of the dates being, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, for the balance of {$6500.00}, to name a few dates. Each time they sends me a later which states they don't have the loan or any information. I've asked you'll for help before because this is reporting on my credit report. Not only is it an error on my report but it's being reported as a charge off several times which makes the account stay longer because it's being re aged and that's illegal. 

This is a formal complaint that they're reporting inaccurate and incomplete credit information. 
This following information has been included in my credit profile and that the procedures have not ensured maximum possible accuracy in the reports they've published. Credit reporting laws require bureaus to report only fully accurate information, and every effort must be made to ensure its correctness. 

Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in reporting. Please DELETE this misleading information and supply a corrected credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 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: MS

Complaint narrative:
I was the victim of identity, theft, and due to the identity theft the fraudulent activity on my credit report has caused hard times for me and my family. 

I have attempted to fix the fraudulent credit inquiries in my credit with no help. I have filed a police report a Federal Trade Commission affidavit of identity theft, I have provided proof of address, proof of identity to EquifaxExperian and Trans Union along with my FTC affidavit I have also requested an investigation into these fraudulent items.

I have disputed these fraudulent inquiries with Equifax, Trans Union and Experian, and all 3 do not investigate the fraudulent inquiries even when I submit proper documentation.. My request are always ignored even after I gave them proper documentation. This is my final attempt to get these items removed from my credit report before I seek an attorney and sue them I fill these credit bureaus do not care about the consumer and conduct Sham investigations. 

Credit inquiery XXXX XXXX, 2024 XXXX XXXX AddressXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX, 2024 XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX XXXX XXXX, 2024 XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, WI XXXX my dispute is with Experian, Trans Union and Equifax, who has ignored my disputes, even though I have given them copies of required documentation to dispute these unauthorized fraudulent credit inquiries federal law requires that they act in accordance with the federal law concerning fraudulent activity!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: LJ Ross Associates
State: CT

Complaint narrative:
On XX/XX/year>, LJ Ross Associates which is a debt collections company sent me a letter that is trying to collect on an XXXX account that is the product of identity theft committed against me. The XXXX XXXX account is Account Number : XXXX The account is the product of identity theft and XXXX XXXX puts this account with XXXX as LJ Ross and Associates Reference Number : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ca XXXX Phone XXXX DL XXXX SSN XXXX Email XXXX Im not going to site FCRA codes as I believe the XXXX XXXXXXXX as well as the credit bureaus can understand that there was a misunderstanding when the card changed over from XXXX XXXX XXXX XXXX and there was confusing that this card even existed anymore being Somehow the notification were missed that the company has switched from being one company to another is how the 60 days late accrued! Just asking that the company give a pass on these late charger and remove them. I hope a person reads this and its not done by AI so its more heart felt. The account is : XXXX XXXXXXXX Acct number : XXXX Date opened : XX/XX/year> Amount : {$200.00}

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 2025-03-23 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
In XXXX, I was enrolled at XXXX XXXX XXXX, a school later found to have committed fraud and misconduct, which resulted in the XXXX XXXX XXXX settlement. During my enrollment, I was misled into taking out a private student loan through Sallie Mae ( which later became Navient ) based on false promises made by the schoolsuch as guaranteed job placement, a starting salary of {$75000.00} {$80000.00}, and total tuition costs of {$32000.00}. In reality, the total cost of the program was {$61000.00}, and I received no job placement, no paid externship, and my credits did not transfer. 

The private loan was disbursed on XX/XX/XXXX. I paid it off in full on XX/XX/XXXX with a final total of {$30000.00}. 

In XX/XX/XXXX and again in XX/XX/XXXX, I contacted Navient requesting that they review and reimburse the private student loan due to the schools proven misconduct. In XX/XX/XXXX, they responded stating they do not reimburse loans that have already been paid off. I followed up again on XX/XX/XXXX, with a formal request asking them to provide documentation or legal reasoning for why paid-off loans are ineligible for discharge, and to send me a properly formatted copy of the School Misconduct Discharge Application, as the version online would not print or download. 

Rather than respond to my questions, Navient replied stating I should contact XXXX. XXXX does not and has never serviced my private loan. This response was inaccurate, avoided my request, and did not provide the information I asked for. 

I am asking for the full reimbursement of {$30000.00} for a private student loan that should never have existed, due to deceptive recruitment and financial aid practices by XXXX XXXX XXXX. Navient has not offered a reasonable explanation or process for relief, even though my federal loans from the same school have already been discharged under XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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:
They have failed to follow 15 USC 1681 ( e ) ( b ) and 15 USC ( i ) ( 5 ) for my entire credit report.

I don't want my information in their system!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ), Navy Federal Account XXXX has violated my rights. 

15 U.S.C. 1681, Section 602 : Grants me the right to privacy.

15 U.S.C. 1681, Section 604 ( a ) ( 2 ) : States that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1666B : Prohibits a creditor from treating a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Given these protections, the reported late payment on my account is inaccurate and must be removed immediately. This erroneous reporting has severely harmed my credit and negatively impacted my ability to purchase a home. 

I request immediate correction of this issue. Please provide confirmation that this inaccurate reporting has been removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ), XXXX XXXX Account XXXX has violated my rights. 

15 U.S.C. 1681, Section 602 : Grants me the right to privacy.

15 U.S.C. 1681, Section 604 ( a ) ( 2 ) : States that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1666B : Prohibits a creditor from treating a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Given these protections, the reported late payment on my account is inaccurate and must be removed immediately. This erroneous reporting has severely harmed my credit and negatively impacted my ability to purchase a home.

I request immediate correction of this issue. Please provide confirmation that this inaccurate reporting has been removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 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: Early Warning Services, LLC
State: CA

Complaint narrative:
Name : XXXX XXXX XXXX ID : XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ID Type : Drivers License ID # : XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX Early Warning Services LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Arizona XXXX XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank : XXXX XXXX XXXX ( Open Date XX/XX/XXXX ) Account # : XXXX Routing # XXXX Bank : XXXX XXXX  XXXX XXXX Open Date XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX  XXXX ( Open Date XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXXXXXX XXXX ( Open Date XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX ( Open Date XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX ( Open Date XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX Bank ( Open Date XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX XXXX Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX ( Open Date XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX - California ( Open Date XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX - California ( Open Date XX/XX/XXXX ) Account # : XXXX Routing # : XXXX I do not recognize the following accounts in question. I am a victim of identity theft and I do not recognize these accounts on my report. I am requesting the following information be deleted from my Early Warning Services consumer report immediately. I have attached a copy of the report and a police report to this request. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation