vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-17 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: OK

Complaint narrative:
In reviewing my account I noticed that the information that is listed on my credit report is extremely inaccurate in various fields. While I understand mistakes can happen unfortunately when it comes to financial data and credit reporting this is one industry where mistakes can cost the bearer extreme harm and distress. I request that the correct information be updated in the following fields : Account Number, Balance, Payment Status, Date Last Reported, Date Last Active, Date of Last Payment. 

Additionally there are several late payment indicators listed, which make no sense as to the best of my knowledge all payments have been submitted on time however seeing as I haven't been receiving my statements its nearly impossible for me to know the accuracy of the payments received. The following reporting periods need to be corrected as paid on time and the late payment indicators removed : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  It merits mentioning again, although I understand mistakes can happen the fact remains this misreporting of information to my credit report has caused me serious harm and also constitutes a violation of federal law, specifically 15 USC 1666b ( a ). I have not received a statement to my address on file as is a requirement under the law and that means the furnisher legally can not report my account late for any reason. Unless they are able to provide documented proof that the statements were mailed to me within the specified time frame under the statute any late payment indicators must be corrected. 

This dispute will serve as notice of the inaccurate information that is on my credit report for this account as well as the opportunity for your company to correct them without any additional action/enforcement on my behalf. The account information on the account in question is listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have attached a copy of my ID and billing statement for verification purposes.

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 2025-02-17 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: OK

Complaint narrative:
In reviewing my account I noticed that the information that is listed on my credit report is extremely inaccurate in various fields. While I understand mistakes can happen unfortunately when it comes to financial data and credit reporting this is one industry where mistakes can cost the bearer extreme harm and distress. I request that the correct information be updated in the following fields : Account Number, Balance, Payment Status, Date Last Reported, Date Last Active, Date of Last Payment. 

Additionally there are several late payment indicators listed, which make no sense as to the best of my knowledge all payments have been submitted on time however seeing as I haven't been receiving my statements its nearly impossible for me to know the accuracy of the payments received. The following reporting periods need to be corrected as paid on time and the late payment indicators removed : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  It merits mentioning again, although I understand mistakes can happen the fact remains this misreporting of information to my credit report has caused me serious harm and also constitutes a violation of federal law, specifically 15 USC 1666b ( a ). I have not received a statement to my address on file as is a requirement under the law and that means the furnisher legally can not report my account late for any reason. Unless they are able to provide documented proof that the statements were mailed to me within the specified time frame under the statute any late payment indicators must be corrected. 

This dispute will serve as notice of the inaccurate information that is on my credit report for this account as well as the opportunity for your company to correct them without any additional action/enforcement on my behalf. The account information on the account in question is listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have attached a copy of my ID and billing statement for verification purposes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: John C. Heath, Attorney at Law, PLLC
State: TX

Complaint narrative:
I was with XXXX XXXX for XXXX years for them to help with credit repair. I paid a monthly fee of {$69.00} for disputes and credit repair. Services werent provided for the amount of money they were paid to help repair my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
Earlier this year, I was alerted to the fact that my property taxes had not been paid for XXXX or XXXX. When looking into this I found that my mortgage loan had the incorrect parcel ID and address applied to it. 

My title and title search both had the correct address and parcel ID so I was able to verify that all the original documentation that was submitted to them was correct. 

I contacted the mortgage company about this error and they corrected the address and parcel ID on my load and got the taxes paid. 

However, they are now trying to charge me for the erroneous payments and refusing to credit my escrow account for the misapplied funds. I have contacted them several times about this issue and they have not taken any action to correct this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: NJ

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2025-02-17 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: AZ

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: FL

Complaint narrative:
I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : 1. My academic records and personally identifiable information ( PII ). 
2. My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information. 
3. My IRS tax transcripts, which were obtained and used without proper authorization. 
These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards. 


No additonal information was taken by the Dept of education nor the Federal Government.

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 2025-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
XX/XX/year> {$350.00} I reported unauthorized charges. It was filed for dispute only to have it denied XX/XX/year> Then again on XX/XX/year> I noticed {$58.00} worth of unauthorized transactions again they filed a dispute only to have it denied XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
I am writing to request documentation regarding a collection account that appears on my credit report under your company 's name. Specifically, I am seeking a signed contract or agreement that confirms I agreed to or had knowledge of owing your agency the debt in question. 

I have not received any correspondence from Fair Collections & Outsourcing regarding this alleged debt. This lack of communication raises serious concerns about the validity of the claim and your compliance with the Fair Debt Collection Practices Act ( FDCPA ). 

Please provide the following within 30 days : A copy of the original signed contract or agreement that demonstrates my obligation to pay this debt. I do not want a copy of an account being opened but proof of debt. 
Documentation showing that I was properly notified of this debt, including dates and methods of communication. 
A forward flow agreement and chain of assignment If you can not provide the above requested documentation, I request that you immediately remove this collection account from my credit report and cease all collection activities related to this alleged debt. 

Be advised that I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and the FDCPA. Any failure to comply with this request or any continued reporting of unverified information may result in further action on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and taking 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 2025-02-17 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: IL

Complaint narrative:
DUE TO XXXX, THESE ACCOUNTS WERE CREATED WITHOUT MY PERMISSION.

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 2025-02-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Duvera Billing Services, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX this company has violated not only my rights but Georgia consumer law for charging excessive interest. XX/XX/XXXX XXXX limits the interest rate that lenders can charge. This company has been sued by the Attorney general of Massachusetts in 2024. XXXX XXXX has ten days to have this account removed from my credit profile with a three credit bureaus immediately. If not I will file a case as well. This violation warrants criminal penalties for excessive interest here in Georgia.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: American Financial Network Inc.
State: VA

Complaint narrative:
Since XX/XX/XXXX, this company, American Financial Network ( AFN ), has failed to post my mortgage payment on time, which cost me in daily interest. They also have tried to post late payment fees on many occasions when they posted the payment after the XXXX of the month, but did retract when I called. I pay this mortgage automatically through my banks payment service st the beginning of the month, and havent had a problem since AFN refinanced my mortgage in XXXX, until a year ago when they suddenly cant seem to get it right. I believe this is when they had a major shift in AFN operations. When I call, Im clearly getting a XXXX  office who have no idea how to resolve but also can not connect me with someone who can. The local provider that managed the refinance is no longer in business.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
Under the law 15.u.s.c 1681and 1692 this is illegal to report this on my credit report. I would like for this to be removed within XXXX  days. My consent was not given and I don't have any information. I have tried to get this issue resolved and would like for the CFPB to help me clear this off my report within XXXX  days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: MARINER FINANCE, LLC
State: MD

Complaint narrative:
I am filing a formal complaint against Mariner Finance regarding the wrongful garnishment of my bank account, which has caused significant financial and reputational harm. 



On XXXX, I discovered that my joint bank account at XXXX XXXX XXXX XXXX was frozen due to a garnishment order related to a debt allegedly owed by my husband, XXXX XXXX. However, I am the primary account holder and the only one responsible for making transactions on this account. Under Maryland law ( Md. Code, Cts. & Jud. Proc. 11-603 ), a debtor portion of a joint account may be subject to garnishment only if the debtor contributes to the account. Since my husband does not contribute to or deposit funds into this account, his debt should not have led to my account being frozen. I was never notified by the bank nor Mariner Finance. I was only made aware when my mortgage payment was return because of my account been frozen. 



As a result of this wrongful garnishment, I have suffered the following financial damages : Returned mortgage and utility payments, which could jeopardize my home and essential services. 

Overdraft fees, which have placed an undue financial burden on me. 

Damage to my credit score, as missed payments have negatively impacted my credit history. 



I had no knowledge of or prior association with this debt, and Mariner Finance actions have caused me severe financial and reputational harm. I have already sent a formal demand letter to Mariner Finance requesting an immediate release of the garnishment and compensation for the damages caused. With no response. 



I request that the CFPB investigate this matter and hold Mariner Finance accountable for their wrongful actions. I also seek the following resolutions : 1. Immediate release of the wrongful garnishment on my bank account. 

2. Reimbursement for all financial damages, including overdraft fees and late payment penalties. 

3. Correction of any negative credit reporting resulting from this unlawful action. 

4. A formal response from Mariner Finance explaining their justification for this wrongful garnishment and outlining steps to prevent such errors in the future. 



I appreciate your attention to this matter and look forward to your prompt assistance. Please let me know if any additional information is required.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: CA

Complaint narrative:
I recently noticed on my consumer reports that there are inaccurate and incomplete information which is a violation of 15 USC 1681 e ( b ) 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

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 2025-02-17 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: KY

Complaint narrative:
I AM A CONSUMER WITH PROTECTED RIGHTS, SO PLEASE REMOVE ALL OF THESE FAKE, FRAUDULENT, AND INACCURATE ACCOUNTS FROM MY CREDIT REPORT ; if they do not, I will take them to court.

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 2025-02-17 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: VA

Complaint narrative:
I am submitting this complaint against TRANSUNION regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX, I request that my name be updated to reflect the correct information. 

2. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX. I request that my current address be updated accordingly. 




Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.

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 2025-02-17 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: IL

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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