vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-19 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:
Discovering inaccurate accounts on my credit report has been an absolute shock, especially knowing how much theyve damaged my credit score. Its frustrating to think that Ive been declined opportunities because of something that doesnt even belong to me.

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 2024-12-19 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: MI

Complaint narrative:
Inquires on my credit report that should not be 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  XX/XX/XXXX, XXXX XX/XX/XXXX please remove this unrecognized inquiries I contacted the credit bureaus and they ask me to report this to the FTC and send information in

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 2024-12-19 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: MI

Complaint narrative:
Inquires on my credit report that should not be XX/XX/XXXXXXXX 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/XXXX, XXXX XX/XX/XXXX please remove this unrecognized inquiries I contacted the credit bureaus and they ask me to report this to the FTC and send information in

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
Today, I got an email from XXXX The company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX I ALREADY sent a message through their portal recently to quit contacting me because they have previously called, texted, mailed, AND emailed me NONSTOP about a medical debt. They will NOT leave me alone. I've already reported them to the FTC as I'm on the do not call registry and made them aware of this as well, and they STILL won't leave me alone even after I asked them to cease all contact and have reported them for harassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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 filing this dispute with the CFPB regarding inaccurate late payments reported by TransUnion on the following accounts : XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX XXXXXXXX. These accounts are incorrectly reported as having late payments, which is erroneous and inconsistent with my payment history. I am attaching my FTC Identity Theft Report and supporting documents that detail these inaccuracies and demonstrate that XXXX is accurately reporting these accounts as " Paid as Agreed, '' while TransUnion continues to reflect incorrect late payments. This clear discrepancy highlights a failure to ensure the maximum possible accuracy as required under 15 U.S.C. 1681e ( b ). 

Despite multiple efforts to resolve this matter directly with TransUnion, these inaccuracies remain unresolved. This ongoing error has significantly impacted my ability to secure a loan critical for saving my business and has also prevented me from obtaining stable housing for my family. XXXX actionsor lack thereofconstitute noncompliance under 15 U.S.C. 1681i ( a ), which mandates timely investigation and correction of disputed information. 

If these accounts are not corrected in my next updated credit report, this will constitute willful noncompliance under 15 U.S.C. 1681n, exposing TransUnion to statutory damages of up to {$1000.00} per violation. Non-willful negligence under 15 U.S.C. 1681o also applies, as TransUnion 's failure to investigate or address these errors has caused unnecessary harm. I request the CFPBs assistance to ensure that TransUnion immediately updates these accounts to " Paid as Agreed, '' in line with XXXX accurate reporting, and provides me with a written confirmation of the corrections. I trust the CFPB will help uphold the integrity of credit reporting systems and enforce compliance with the Fair Credit Reporting Act.

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 2024-12-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
Subject : Urgent : Discrepancy and Concerns Regarding Account Dear XXXX  XXXX XXXX : On XX/XX/year>, I received a letter from XXXX stating that my account was closed due to unauthorized activity. The letter mentioned they would be working with Synchrony Bank regarding fraud liability and notified the credit reporting agencies about the issue. 
However, things have only gotten more confusing from there. I recently received a statement showing that I owe {$31.00}. I have no idea where this bill is coming from or why I would owe anything, as I havent made any purchases through XXXX in quite some time. 
In XXXX, I received another statement, this time indicating a balance of {$63.00}. Yet again, there is no explanation as to why I am being billed. This has left me feeling frustrated and helpless. 
When I attempt to call for assistance, I am directed to an automated bot that is completely unhelpful in addressing my concerns. It is nearly impossible to resolve this issue through their system. 
This situation feels like a scam. In my understanding, receiving a bill would typically imply that Ive agreed to a purchase or service, but I havent authorized anything. 
Any help or guidance you can provide in sorting this out would be greatly appreciated. 
Thank you for your time and attention to this matter. 
Sincerely, 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 monetary relief
Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Debt collectors are not reporting my payments. I am currently making monthly installments on every debt listed on my credit report. However, when I apply for credit, my report shows delinquent accounts, which negatively impacts my chances of being approved. My XXXX  score is higher than my bank score, but financial institutions are stating that my delinquent accounts need to be settled, even though I am making payments. The debt collectors are not reporting my payments accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: NJ

Complaint narrative:
The items in question on my credit report are currently involved in pending litigation due to reporting errors. As a result, these items can not be verified during the litigation process. Under 15 U.S. Code 1681i ( a ), unverifiable information must be removed from a credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 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:
Does anyone at this company have a working XXXX or XXXX? 
Is this Company really this incompetent or are they purposely screwing with me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I just made a complaint about this very issue last week and here I am again today and this is what, the XXXX or XXXX complaint in one flipping year!!! ... URGH I told these clueless XXXX  your screwing up my Address, making my Credit Report look like I'm Moving many times while ignorantly constantly changing/adding/deleting the XXXX  ( XXXX ) from my Street Address. 

Every month or so I get an email from this train wreck Company notifying me that I have a new address, XXXX XXXX  Borderline harassment if not total harassment!!!!! 

Just my complaints here alone should be speaking volumes to any lawyers reading these while looking for a Class Action Lawsuit. 

Somebody for the love of XXXX hold this recklessness accountable already!! 

Get my address right already!! 
It's not that hard, It's not that complicated, I've only moved once in the last 6 months.

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 2024-12-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
The is in regards to Mr. Coopers loans, my mortgage loan servicer. My loan # is XXXX. 

On XX/XX/XXXX I received notice from Cooper loans that my final payment would be withdrawn in XXXX and once it was made my autopay would be turned off. 

In XXXX, Cooper drafted a full payment of {$2400.00} even though my final balance is {$610.00}. 

I contacted Cooper and their representative said it isnt their responsibility to get an accurate payoff if the payment is automatically drafted. I contacted my credit union and they said that is incorrect, it is Coopers responsibility to withdraw the correct amount.

Coopers representative said I will probably get a refund in 30 days. I said that is unacceptable, they can electronically deposit it if they can withdraw it. He gave me an email address to send the request to along with a voided check. They in turn sent a letter saying theyd research my email and respond in 10 days. When I told them Id contact the CFPB if they continued to provide evasive answers they sent another letter saying they have 30 days to respond. 

Cooper is highly uncooperative and unprofessional to say the least, and I believe they are breaking the law by withholding my refund, refusing to provide direct answers to my questions and evading contact with me.

Cooper has been the subject of several class action lawsuits since they took over servicing of my loan and I have received payouts before because of their illegal use of my funds. Please come to my rescue, the CFPB has helped victims of Coopers business practices in the past.

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
The Company did not provide me with a copy of the XXXX  that I paid for, which was the entire purpose of the previous complaint. They didn't specify the value the XXXX came back at, or the principal amount I would need to pay to bring the XXXX under 75 % to cancel PMI. They also didn't provide a copy of the investor guidelines which specify that 75 % is the applicable XXXX. No documentation and detailed course of action and manner of directly contacting a supervisory level employee at the company has been provided. I need : XXXX all the above documentation AND XXXX my taxes and insurance taken out of escrow, AND XXXX the PMI canceled as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: NV

Complaint narrative:
I am filing this complaint regarding Southwest Credit Systems and their handling of an account that has been reported on my credit report. I have no knowledge of this debt, and despite my efforts to seek validation and resolution, Southwest Credit Systems has failed to comply with applicable federal credit reporting and collection laws. 

Nature of the Complaint Southwest Credit Systems has reported a collection account to the credit reporting agencies without providing proper documentation or validation as required under the Fair Debt Collection Practices Act ( FDCPA ). I have made repeated requests for : Verification of the alleged debt, including the original agreement or contract. 
A detailed breakdown of the amount owed, including principal, interest, and any added fees. 
Proof that Southwest Credit Systems has the legal right to collect this debt. 
Under the FDCPA ( 15 U.S.C. 1692g ), I am entitled to a written validation of the debt within 30 days of my request. Southwest Credit Systems has failed to meet this legal obligation, leaving me with no clarity about the legitimacy of this account. 

Additionally, under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ), I have disputed the accuracy of the information with the credit reporting agencies. Despite this, the collection account remains on my credit report without any investigation or resolution, which violates their responsibility to ensure accurate reporting.

Impact on Credit Profile The continued reporting of this account is causing undue harm to my creditworthiness, impacting my ability to access fair credit opportunities. I believe this constitutes a violation of my rights under both the FDCPA and FCRA.

Requested Actions Validation of the Debt : Southwest Credit Systems must provide documentation that substantiates the debt or immediately cease collection activities. 
Removal from Credit Reports : If Southwest Credit Systems can not validate the debt, I request the immediate deletion of the account from all credit reporting agencies ( XXXX, XXXX, and XXXX ). 
Investigation of Reporting Practices : I request the Consumer Financial Protection Bureau ( CFPB ) investigate Southwest Credit Systems compliance with federal credit laws to ensure they uphold the rights of consumers. 
Conclusion This matter has caused significant distress and negatively affected my financial well-being. I trust the CFPB will take appropriate actions to address these issues and hold Southwest Credit Systems accountable for any violations. 

Thank you for your attention to this matter. I look forward to your assistance in ensuring compliance with federal laws and resolving this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 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: MD

Complaint narrative:
I am writing to formally request the blocking and deletion of the accounts and inquiries listed below from my credit report. As a victim of a data breach, I am exercising my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries were not initiated by me and are the result of fraudulent activity. 
Accounts : XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX XXXX XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX XXXX XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XX/XX/XXXX XXXX {$00.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$00.00} Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/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 2024-12-19 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:
XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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  - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-12-19 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to address a serious issue regarding the fraudulent inquiries appearing on my consumer report. Despite my efforts to resolve this matter by reporting these unauthorized inquiries, no resolution has been reached. Your actions in placing this inquiry on my accountwithout my authorization or responsibilityhave caused me significant mental anguish and financial hardship. 

As a victim of identity theft, I urge you to address this matter with urgency and diligence. The impact of these inaccuracies on my consumer report has been profound. Specifically, I have been unable to purchase my dream car or provide adequately for my family, as these fraudulent items have undermined my financial credibility. 

Attached to this letter, you will find a copy of my prior correspondence regarding this issue, which outlines the steps I have already taken to bring this to your attention. I expect a prompt and proper resolution to this matter. Please remove the fraudulent inquiries from my report and provide written confirmation of the action taken. 

Failure to resolve this issue in a timely manner may leave me with no choice but to pursue legal action to protect my rights and restore my financial standing. 

Thank you for your immediate attention to this matter. I look forward to your response.

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 2024-12-19 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: MD

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/year> Letter to Remove Inaccurate Credit Information I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report. These account are out of the statue of limitation which mean by law they need to come off my credit report : XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 



Based on my reading I know by law inquiry are only allow to stay on your credit report for 2 years from the day the inquiry was pulled. Which means that all the above accounts need to be removed. I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back to me within 30 days. 



I am also requesting that you send me an updated credit report once your investigation is complete you can send the copy to XXXX XXXX XXXX XXXX, South Carolina XXXX Thank you, 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