vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
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/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
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/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 non-monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Consumer Portfolio Services, Inc.
State: MI

Complaint narrative:
The collections account was closed and the company is still adding missed payments on my credit report to further damage my credit. According to consumer right, once a collection account is closed, they can not continue to try to get payment, and/or add monthly payments. This has been done in retaliation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
Hello, My mortgage was transferred to Mr. Cooper from XXXX XXXX. Upon closing, I had an homeowners insurance through XXXX XXXX and have continued to hold this insurance since then. When my mortgage was purchased by Mr. Cooper, they did not transfer my policy over. In XXXXXXXX XXXX, I noted that my mortgage payment suddenly increased by over {$500.00} per/month. So! I called. They told me it was because my escrow account was not adjusted correctly for the increase in property taxes. I didn't think that could be correct so I looked into it more. Come to find out, they purchased a homeowners policy on my behalf and then began charging me monthly. I have been working to correct this issue for months and continue to be charged and told my documents could not be processed. Last time that I was on the phone with Mr. Cooper, I had them call my XXXX XXXX agent so they could directly transfer my proof of insurance documents. When I asked about how they plan to refund me the funds that I have been charged from my XXXX statement through now, they offered {$900.00}. They owe my nearly XXXX at this point. I have done nothing wrong and had all of my ducks in the row. This is their mistake that I continue to pay for and fight to have corrected. This is NOT okay. My XXXX mortgage was paid yesterday, I am STILL being charged. Even though I was told the error was corrected on my last call with them and today I also received another email saying that my documents could not be processed. As a XXXX XXXX XXXX XXXX XXXX XXXX.. I do not have time to deal with this nor do I have the money to continue to pay for XXXX insurance policies. Please help! 

Thank you for your time, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: NJ

Complaint narrative:
I strongly insist on the removal of this late payment from my account, as it inaccurately reflects my payment history. I have consistently maintained timely payments, and it is unfair to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 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: LA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

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 2025-02-03 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: KS

Complaint narrative:
I am formally disputing the following late payment entries on my credit report : XXXX - XXXX - {$2900.00} These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a resolution as soon 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 2025-02-03 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: CA

Complaint narrative:
To whom It May Concern, I am writing to formally dispute an error on my credit report regarding an inaccurately reported late payment. I recently reviewed my credit report and found that XXXX, XXXX, Equifax has reported a late payment on my XXXX XXXX account, which is incorrect. 

I closed this account in XX/XX/year> with a zero balance, and I have never had a late payment or any outstanding debt on this account. The reported late payment is a mistake, and I request that it be removed from my credit report immediately. 

To support my claim, I have attached the following documents : A copy of my credit report highlighting the error A confirmation letter or statement showing my account closure with a zero balance Any additional supporting documentation I request that this inaccurate information be corrected as soon as possible in accordance with the Fair Credit Reporting Act ( FCRA ). Please provide me with written confirmation once the correction has been made. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 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: CA

Complaint narrative:
To whom It May Concern, I am writing to formally dispute an error on my credit report regarding an inaccurately reported late payment. I recently reviewed my credit report and found that XXXX, Transunion, XXXX has reported a late payment on my XXXX XXXX account, which is incorrect. 

I closed this account in XX/XX/year> with a zero balance, and I have never had a late payment or any outstanding debt on this account. The reported late payment is a mistake, and I request that it be removed from my credit report immediately. 

To support my claim, I have attached the following documents : A copy of my credit report highlighting the error A confirmation letter or statement showing my account closure with a zero balance Any additional supporting documentation I request that this inaccurate information be corrected as soon as possible in accordance with the Fair Credit Reporting Act ( FCRA ). Please provide me with written confirmation once the correction has been made. 

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 non-monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: FL

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 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 2025-02-03 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: CO

Complaint narrative:
My credit is has multiple inaccuracies on account below XXXX XXXX XXXX Please validate and upon findings OF MISTAKES please delete

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 2025-02-03 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: CO

Complaint narrative:
My credit is has multiple inaccuracies on account below XXXX XXXX XXXX Please validate and upon findings OF MISTAKES please delete

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am dispute the inclusion of the address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX on my credit report. This address is incorrect and should be removed pursuant to Section 623 of the Fair Credit Reporting Act ( FCRA ) and Regulation V. 

As a consumer, I am entitled to accurate reporting of my personal information. The presence of this incorrect address on my credit report is not only misleading but also potentially damaging to my credit profile. I request that the necessary steps be taken to investigate and rectify this error immediately. 

Please provide confirmation of the removal of this address from my credit report at your earliest convenience.

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 2025-02-03 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: TX

Complaint narrative:
Company is refusing to remove the following accounts as I have already reported to them that they are in violation of several consumer rights. They are also not truly conducting the proper research. I have submitted this same complaint several times and nothing is changing. A prime example is the XXXX account in which the dealer never even provided resale documentation nor proper notices for repossession and Experian and TransUnion still will not remove.

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 2025-02-03 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: SC

Complaint narrative:
Trans Union has my name and my XXXX  surname along with his Social Security number under my actual name and I have sent them a certified letter in the mail. It shows that they did receive it and I called them to inform them of that and theyre telling me that my XXXX Social Security information is under my name. They have illegally miss used my information to make it look like that. I am all in one person, knowing that I do have a XXXX XXXX I really need someone from your department to reach out to me ASAP because they have violated my sensitive personal information that involves of the Privacy law act. 
Trans Union also sent me a letter in the mail stating that I need to send information in regards to verify my identity but I did send him a certified letter with a copy of my ID and any other information that was provided to them at their request they still have failed to update all the information and theyre still using my XXXX Social Security information Under my actual name when they send my mail to me. They have it as XXXX XXXX XXXX XXXX that is not my actual name. I do not have a surname. I am just 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 2025-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: GA

Complaint narrative:
I have contacted Coinbase multiple times over the course of XXXX XXXX or so, with the most recent being in XX/XX/XXXX ( tried reaching out again in XX/XX/XXXX but they ended my conversation before I could speak to an agent ), and every single time l get the same response ; that my case is escalated and its out of their hands and theres nothing they can do and that I haveto wait on an email that should arrive in " XXXX XXXX XXXX '' and the email never ever ever arrives and Im tired of hearing the same thing with no resolution. As I mentioned above, I tried chatting with an support agent once again the other week and it kept saying to wait " XXXX XXXX ''. That went on from XXXX to XXXX XXXX that day! I finally connect and the agents says to give him a moment to review my conversations for a better understanding of my situation and he disconnects within minutes! I am at ends with Coinbase and need your help to finally unlock my account and have access to my funds/holdings again! Please and thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: TX

Complaint narrative:
I filed a dispute on { XXXX, XXXX XXXX } in the amount of {$2800.00}, due to this account being opened fraudulently. Experian and Equifax denied to follow up with the investigation. 

Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or incomplete items unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax alleging systemic issues such as failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equidaxs inaction violates federal law and my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX # XXXX XX/XX/year> -- {$0.00}

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 2025-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Collection Agencys Name and Address Navy FEDERAL RE : Dear Sir/Madam : I am writing in regards to the above-referenced debt to inform you that I am disputing this debt.The account says closed charge off but the company continues to empty my checking account any time I have money in that account.XXXX the took {$230.00}. I also never received a 1099c form from this company.Please verify the debt as required by the Fair Debt Collection Practices Act. 
I am disputing this debt because I do not owe it. 
Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report infor- mation correctly, violates the Fair Credit Reporting Act. 
Finally, please note that I do not wish to receive further telephone calls or letters concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C.

1692 ( c ). 
Thank you for your attention to this matter. 
Sincerely,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 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:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

Company response to consumer: Closed with non-monetary relief