vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-24 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: OK

Complaint narrative:
Subject : Request for Investigation : Unexplained Credit Score Drops Every XXXX Dear Consumer Financial Protection Bureau, I am requesting your assistance in investigating a recurring issue with my credit score. For the past two years, my credit score has dropped by XXXX points every XXXX, despite there being no changes to my financial habits or account activity. 
I consistently maintain a good credit rating, and the following credit factors are stable : * Payment History : A ( No late payments ) * Credit Usage : A ( Below 30 % utilization ) * Account Mix : B * Credit Age : B * Inquiries : A ( No recent hard inquiries ) This unexplained drop happens annually in XXXX and recovers slowly over the year. However, the repeated drop is concerning, as it affects my financial health and eligibility for better credit terms. 
I have reviewed my credit reports from all three bureaus ( XXXX, XXXX, and TransUnion ) and found no significant issues, such as late payments, new accounts, or account closures, that would justify this drop. I have also contacted my credit card companies, and they confirmed that my accounts are in good standing. 
This situation is puzzling, and I am concerned there might be an error in how my score is being calculated or reported. I kindly request an investigation into : XXXX. Why did my score consistently drop in XXXX without any clear reason? 
XXXX. Whether there are systemic errors or reporting issues causing these drops. 
Thank you

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 2025-01-24 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: GA

Complaint narrative:
I had an old car that was paid off due to it being totaled the insurance and gap paid it XXXX XXXX XXXX I have invalid collections! I don't remember having those credit cards! The debt collectors haven't sent me any paperwork showing i signed to get them. XXXX XXXX and another credit card. They was supposed open like 7 years ago

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 2025-01-24 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: GA

Complaint narrative:
I had an old car that was paid off due to it being totaled the insurance and gap paid it XXXX XXXX XXXX. I have invalid collections! I don't remember having those credit cards! The debt collectors haven't sent me any paperwork showing i signed to get them. XXXX XXXX and another credit card. They was supposed open like 7 years ago

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. 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 2025-01-24 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore 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 2025-01-24 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: MD

Complaint narrative:
I am writing to dispute unauthorized accounts on my credit report resulting from a data breach. These accounts were not authorized by me, and their reporting violates my rights under the Fair Credit Reporting Act ( FCRA ). The disputed accounts are as follows : XXXX ( Account Number : XXXX ) XXXX  XXXX ( Account Number : XXXX ) XXXX XXXX XXXX ( Account Number : XXXX ) XXXX XXXX  ( Account Number : XXXX ) XXXX ( Account Number : XXXX ) XXXX XXXX XXXX ( Account Number : XXXX ) Issue :

These accounts are unauthorized and were not opened or approved by me. They appear to have resulted from a data breach and contain inaccuracies and unverifiable information. This is statement affirming that these accounts are not related to any transactions I authorized Proof of my identity A copy of my identity theft report Identification of the disputed accounts

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 2025-01-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Dear XXXX, Re : Dispute of Inaccurate Information and Failure to Properly Investigate I am writing to express my disappointment and frustration with the investigation conducted by your agency regarding my dispute of inaccurate information on my credit report. This letter serves as a follow-up dispute and a formal complaint.

In 2024, I initially disputed the following item on my credit report : - Transworld systems for the amount of XXXX In response, your agency stated that the disputed item ( s ) were verified as accurate. However, I strongly believe that this conclusion was reached without a thorough investigation, as the information provided by the furnisher is incorrect.

Furthermore, I request that you take the following steps : 1. Conduct a thorough re-investigation of the disputed item ( s ).

2. Provide me with a copy of the documentation used to verify the disputed information.

3. Remove or correct the inaccurate information on my credit report.

Failure to properly investigate consumer disputes is a violation of the Fair Credit Reporting Act ( FCRA ). I request that you take immediate action to correct this matter.

Please find the required documentation to support my dispute attached to this letter. I would appreciate it if you could look into this matter urgently and respond to me within 30 days.

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC.
State: NV

Complaint narrative:
I only did online classes XXXX semester in XXXX. I had to move to XXXX nm where i had no access to internet. The school said no problem they would cancel enrollment and not accept further financial obligation from me. They then sold the account to navient. They never cancelled the loan money after advising me they would and then navient took over. I became XXXX in XXXX and teied to get navient to forgive the loan and they wont Permanent XXXX forgives the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: RI

Complaint narrative:
I am disputing the inaccurate reporting of a USAA Federal Savings account with a balance of {$23000.00} that appears on my XXXX credit report. I contacted XXXX, XXXX, and XXXX to address this issue. Only XXXX responded to my dispute, stating that they do not see this account on my profile. However, the account and its balance are clearly visible on my XXXX credit report, which contradicts their response. 

To resolve this matter, I worked with a debt consolidation company to pay off the account in full. This account has been closed, and the balance should reflect {$0.00}. I also contacted USAA directly, and they confirmed that they do not see this account or balance associated with my name or account. Furthermore, both XXXX and XXXX accurately reflect the {$0.00} balance for this account on their reports. 

Despite my efforts to address this issue, XXXX continues to report the account with an inaccurate balance. Additionally, as this account has been resolved, paid in full, and closed, it needs to be removed from my credit report entirely.

I am requesting that this issue be escalated for immediate investigation and resolution. XXXX must correct the balance to {$0.00} and remove the closed account from my report, as it has been fully paid off and resolved through the debt consolidation process. 

Thank you for your assistance in promptly addressing 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 2025-01-24 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: Army and Air Force Exchange Service
State: TX

Complaint narrative:
I have noticed what appears to be a mistake on my most recent credit report, as the details do not match the information I have on file. This inconsistency is concerning, as I rely on my credit report to reflect accurate and up-to-date information. I kindly ask that you take the time to investigate this issue and make the necessary adjustments. I would greatly appreciate your assistance in resolving 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 2025-01-24 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: ME

Complaint narrative:
In accordance with the fair credit reporting and XXXX  account XXXX  XXXX # XXXX has violated my rights. 

15USC 1682 Section 602 states I have the right to privacy.

15 USC 1682 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: OH

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: CO

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I have one late payment on an account that I was in fact paid in time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I have attached a copy of my report to this complaint on the following date : XX/XX/year>. I'm now requesting you investigate this account and update the payment to be paid on time immediately. Account Name : XXXX XXXX XXXX XXXX XXXX  Account number : XXXX XXXX XXXX XXXX Thank you for your understanding and prompt 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 2025-01-24 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: CO

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I have one late payment on an account that I was in fact paid in time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I have attached a copy of my report to this complaint on the following date : XX/XX/year>. I'm now requesting you investigate this account and update the payment to be paid on time immediately. Account Name : XXXX  XXXX XXXX XXXX XXXX  Account number : XXXX XXXX XXXX XXXX Thank you for your understanding and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: DE

Complaint narrative:
Ive been experiencing the effects of unauthorized credit inquiries from your company on my report. These inquiries are lowering my credit score and making things more difficult.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: CT

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: OH

Complaint narrative:
I want reported accounts to be removed and recorded properly on all three credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore 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 non-monetary relief
Consumer complaint received 2025-01-24 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore 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 2025-01-24 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: FL

Complaint narrative:
Subject : Dispute of Incorrect Information on My Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. After reviewing my report, I noticed the following entries contain errors : XXXX Account number XXXX -- XXXX XXXX XXXXXXXX credit card . Never show account number.

I am disputing these items based on their inaccuracy, supported by recent developments and findings in legal cases against credit reporting agencies, including XXXX and XXXX. Recent Lawsuit Findings : In separate rulings, courts have determined that XXXX and XXXX failed to maintain reasonable procedures to ensure maximum accuracy of consumer credit information. These findings highlight systemic issues within the bureaus ' processes that may directly impact the accuracy of reports like mine. Consumer Reporting News : Reports have surfaced indicating that systemic flaws in the verification and dispute-handling processes of XXXX and XXXX have led to widespread errors. As a consumer, I expect these bureaus to uphold their obligation under the Fair Credit Reporting Act ( FCRA ) to report accurate information and conduct thorough investigations of disputes. Under the FCRA, I am requesting : Immediate investigation into the disputed items listed above. Removal or correction of the inaccurate information. An updated copy of my credit report reflecting these corrections. I have attached copies of supporting documentation to aid in your investigation, including : A copy of my credit report highlighting the disputed items. Documentation supporting my claim of inaccuracy. Please conduct a thorough investigation and provide me with a written response regarding the outcome within 30 days, as required by law. Thank you for your attention to this matter. I look forward to your prompt resolution of these inaccuracies. Sincerely

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 2025-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: AL

Complaint narrative:
My home mortgage is owned by Mr. Cooper Company. I began reaching out to them on XX/XX/year> regarding an error in my property taxes. Mr. Cooper stated that my property taxes were paid by XXXX to the XXXX XXXX, XXXX XXXX XXXX on XX/XX/year> in the amount of {$5300.00} via a wire transfer. To date, and in speaking with the XXXX XXXX, Alabama Chief Deputy Tax Collector, XXXX XXXX, these funds have never been received by her office. XXXX XXXX has been most diligent in verifying the funds were never received. In addition, another error made by XXXX XXXX was the amount of the payment, it was a gross overpayment due to them calculating my property taxes at a non-homestead rate. I am a homeowner and do have homestead exemption. The correct amount for my property taxes should have been {$2600.00}. 

I have lost track of the number of times I have reached out to the Mr. Cooper escrow customer service agents. To date, no agent of Mr. CooperXXXX can provide me with the entity who is in possession of the {$5300.00} of my money. I am attaching the information sent to me regarding the wire transfer of these funds that never reached the XXXX XXXX, Alabama Tax Collector Office.

This is a clear case of fiduciary misconduct and neglect on Mr. Cooper and XXXX. As the consumer, I entrusted these companies to manage my escrow account and pay my property taxes accurately. They have failed in their fiduciary duties to me as their client. 

Mr. Cooper as of today, XXXX, has promised to mail a check in the amount of {$2600.00} to the XXXX XXXX, Alabama tax collector. However, in doing so and not processing the refund correctly, this causes me to have an approximate negative {$3000.00} in my escrow account. 

I am most hopeful the CFPB can assist me with this issue in the misconduct and neglect of fiduciary duties of Mr. Cooper and XXXX.

Company response to consumer: Closed with explanation