vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-24 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-04-24 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: AL

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: NJ

Complaint narrative:
Rocket Mortgage appears to be mismanaging our escrow account. They advised us we are {$3500.00} short, which is astronomical. We didn't receive any notice that advised us we could pay the shortage in a lump sump, but only received a document uploaded to our online portal advising us that the {$3500.00} would be spread out our 16 months. This would cause our mortgage to increase by XXXX XXXX monthly which we can not afford. We spoke with two representatives who couldn't explain why a {$1700.00} shortage turned into a {$3500.00} shortage. We changed our home insurance 's policy which will save us about {$700.00} annually and made a payment of {$2500.00} directly into our escrow account. We asked them to rerun the escrow analysis and was told it would take two weeks. Their explanations are not rational and their math does not align as to what is stated on the analysis. Please help. The representative named XXXX XXXX also advised us we must carry the PMI insurance for the life of the loan, it was my understanding that once a certain % of the principal was paid the pmi is permitted to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Subject : Identity Theft Fraudulent Account on My Credit Report Complaint : I am a victim of identity theft, and my personal information was stolen and used to open a fraudulent account that now appears on my credit report. I am writing to dispute the following account, which I have never opened, authorized, or been associated with : Creditor : Bank of America 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 I want to emphasize the following facts : I did not open this account. 

I have never signed any documents related to this account. 

I have never logged into, accessed, or used this account in any way. 

I have never made any payments on this account. 

I have no connection to this account whatsoever. 

This account is fraudulent and the result of criminal misuse of my identity.

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 2025-04-24 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:
XXXX'I am writing to formally request your assistance in investigating inaccuracies and unauthorized accounts and other inaccurate information on my credit report, which have directly impacted my ability to be approved for loans. Despite my efforts to resolve the issue with the credit reporting agencies, these discrepancies remain unresolved. The information on my credit file includes which I did not authorize or recognize. As a result, my creditworthiness has been significantly affected, leading to my denial for crucial financial opportunities, including loansIappliedfor\nPERSONAL INFO:XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX  GA XXXX XXXX XXXX  GA XXXXCOLLECTIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXXINQUIRIESXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: PA

Complaint narrative:
I have an outstanding balance of {$3400.00}. I was never alerted of this amount by XXXX XXXX XXXX Last I heard was {$1300.00} or be evicted and it was addressed to t another person other than me. When I called and logged onto National Credit Systems, they can not provide me any contract/lease information, no itemization of charges, or anything. There is no proof being provided to me of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: NY

Complaint narrative:
I am highly concerned about this late payment record, as it does not align with my reliable payment history. This situation is distressing, and I respectfully ask for its prompt removal to ensure my account is updated correctly.

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 2025-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
Initial action and request make for XXXX XXXX only by Suncoast credit card with a verbal and upfront agreement. 

The amount doubled to XXXX without the underwriters or me speaking to them. I called. 
I got no help. 

This happened all during COVID-19. I was an XXXX XXXX  with expenses, and I was XXXX 

I took on extra burdens to get to work and help the economy during the economic downturn. 

Suncoast credit union kept increasing my credit card. 

No bank I have been a member of has ever done this, and I have the documents to prove it. They always go through underwriters.

Suncoast did this without my consent. 

I have another bank investigating fraudulent claims that Suncoast Credit Union missed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. 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 2025-04-24 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: Consumer Portfolio Services, Inc.
State: LA

Complaint narrative:
On XX/XX/24, a hard inquiry from XXXX appeared on my credit report. I did not apply for credit, submit an application, or authorize this company to access my consumer report. I also did not initiate any transaction or provide written consent for this inquiry to take place.

Under the Fair Credit Reporting Act ( FCRA ) 604 ( a ) [ 15 U.S.C. 1681b ( a ) ], a hard inquiry must be connected to a legitimate credit transaction initiated by the consumer. Additionally, under FCRA 604 ( f ) [ 15 U.S.C. 1681b ( f ) ], any party requesting a credit report must have a permissible purpose and certify that purpose to the credit reporting agency.

I sent a validation demand to XXXX requesting documentation of my consent and proof of permissible purpose. They have not provided any evidence of a signed application or transaction initiated by me. Therefore, I believe this inquiry is unauthorized and in violation of the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax XXXX XXXX  credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 non-monetary relief
Consumer complaint received 2025-04-24 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit file. Upon reviewing my credit report, I noticed that an account is being reported with XXXX late payments. I would like to clarify that this account has been paid on time, and the reported late payments are incorrect. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, consumer reporting agencies are required to conduct a reasonable investigation of disputed information and must remove or correct any inaccurate, incomplete, or unverifiable data. The reporting of late payments on this account is a clear inaccuracy and does not reflect my payment history. 

I have attached a copy of my credit report with the incorrect entries clearly highlighted. The discrepancies occurred on the following dates : XX/XX/year> I can confirm that during these periods, all payments were made on time. 

I respectfully request that you investigate this matter in compliance with the FCRA and update the payment history on this account to accurately reflect on-time payments. Please provide written confirmation once the corrections have been made. 

Thank you for your attention to this matter and for your prompt action to resolve it. 

Sincerely, 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 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-04-24 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTransUnion XXXXRE: Requesting you Block and Remove Fraud from My Consumer Report\n>I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report  which is enclosed with this correspondence. In accordance with 15 USC 1681c-2 c (a), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must\npromptly address such requests within four business days of receiving a complaint that includes the following information:  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want to emphasize the gravity of this matter and my expectation for a prompt and effective response. Failure to respond satisfactorily will compel me to pursue legal action against your agency, as allowed under the law. Please be advised that I will seek damages, including but not limited to, statutory costs, with each violation incurring a statutory cost of XXXXXXXX as specified in\n>15 U.S.C 1692k.\n> Defamation of Character\n>Negligent Enhancement of Identity Fraud\n>Violation of the Fair Credit Reporting Act\n>Violation under 15 U.S. Code § 1681o - Civil liability for negligent non compliance\n>Violation under 15 US Code 1681n (b) - Civil liability for willful non-compliance\n>Failing to comply with 15 USC 1692(g)\n>Violation under 15 U.S. Code 1681b Permissible purposes of consumer reports\n>Under 15 U.S.C. 1681i (7) Method of verification\n>Violations under 15 USC 1681 a (4) right to privacy\n>Violations under 15 U.S. Code § 1681c - Requirements relating to information contained in consumer reports I am taking this matter very seriously, and I demand that you take immediate action to block and remove the fraudulent account from my credit report. I have provided all the necessary information to facilitate this process. I kindly request that you acknowledge this letter and provide a timeline for the resolution of this issue .Your prompt attention to this matter is greatly appreciated 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 non-monetary relief
Consumer complaint received 2025-04-24 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: SC

Complaint narrative:
I see there is an account from XXXX on my Equifax credit report that is not mine. I do not have a loan with them or anyone close to that name. 

I also see I have a few hard hits that I NEVER authorized. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: WI

Complaint narrative:
On XX/XX/XXXX a company called " Credit Collection Services '' send me a letter trying to collect a debt that I already paid to the original company " XXXX ''. I tried going into the website they provided " www.ccspayment.com '', but my phone immediately let me know that the website I was about to access was not secure. I opted not to continue trying to get into the website and instead I checked my credit report. 

After I looked at my credit report, there was no debt shown in my account that is in collections. Therefore, I assumed the mail I received was a scam. 

The debt amount is for {$10.00} Today, XX/XX/XXXX, I received a text message telling me that my past due account remains unpaid and that I need to go into that website or call at ( XXXX ) 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 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: CA

Complaint narrative:
The company did not provide details of accurate billing and payment information. I submitted several request to have this disputed with providing proof and have not recieved the detailed info of payments. Proper re-investigation was not done.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: GA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax XXXX XXXX  credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 non-monetary relief
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Citibank continues to call me over 3 times a day every 3 hours. I have spoken to 2 representatives and let them know that I was aware of my past due balance and doing everything to make the payments and they still continue to call me repeatedly. I feel extremely stressed out and harassed and cant go through a work day without getting 3 calls from them.

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 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally disputing the reinserted negative account on my credit report that was previously challenged and removed. This account, with the identifier [ Account Number : XXXX * * * * ] and a reported balance of {$22000.00}, has been incorrectly re-added to my credit file. I insist that it be completely and permanently removed, as it is invalid and has no legitimate reason for its re-insertion. According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, once an account is disputed and removed, it can not be reinserted without proper verification, which has not been provided in this instance. Therefore, I request immediate action to ensure that this account is permanently deleted from my credit history. If this matter is not resolved promptly, I will pursue legal action to protect my rights, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and seeking damages for violations under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ). I expect written confirmation that this account has been fully removed from my credit file.

Company response to consumer: Closed with explanation