vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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 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 2025-03-22 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: IL

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 non-monetary relief
Consumer complaint received 2025-03-22 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: GA

Complaint narrative:
I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Transunion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) -- ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I marked inaccurate - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
XX/XX/year> Subject : Dispute of Student Loans Due to FERPA Violation I am writing to formally dispute the validity of my student loans, as I believe there has been a violation of my rights under the Family Educational Rights and Privacy Act ( FERPA ). FERPA is a federal law that protects the privacy of student education records, and any breach of its provisions can have significant legal implications regarding the handling of my loans. 
Upon reviewing my records, I have reason to believe that my personal and educational information was improperly accessed, disclosed, or used without my consent, in violation of FERPA guidelines. This unauthorized disclosure may have impacted the origination, servicing, or administration of my student loans. Because my rights under FERPA were not upheld, any contractual obligations arising from these loans should be considered invalid.

I am requesting a full investigation into this matter, including a detailed account of how my records were handled and whether any improper disclosures occurred. Additionally, I request that all collection efforts be halted immediately until this dispute is fully resolved. If necessary, I am prepared to escalate this matter to the U.S. Department of Education and seek legal counsel to protect my rights.

Please provide a written response outlining the steps you will take to address this dispute. I appreciate your prompt attention to this serious matter and look forward to your response. 
Sincerely, 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 2025-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: PA

Complaint narrative:
This debt of {$1000.00} is being paid back directly to the electric company XXXX and has been on a payment plan. I do not owe I C Systems as I am paying this debt directly to the course XXXX within my monthly bills. Not to I C Systems. This needs to be deleted. They are refusing to delete this off my credit when I do not owe them and they should not be trying to collect on an account that is already being paid to the original source. That is illegal.

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 2025-03-22 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: NY

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXXXX/XX/XXXXContents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result or identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a AUTO LOAN opened with XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ). This account have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. My principal do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on principal consumer credit report maintained by you were not operating in good faith, was not made, or governed by me. 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 of 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 2025-03-22 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: NY

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXXXX/XX/XXXXContents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result or identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a AUTO LOAN opened with XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ). This account have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. My principal do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on principal consumer credit report maintained by you were not operating in good faith, was not made, or governed by me. 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 of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 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: Experian Information Solutions Inc.
State: CA

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 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 2025-03-22 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: GA

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 Balance : {$1000.00}, XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of Inquiry 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 explanation
Consumer complaint received 2025-03-22 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: PA

Complaint narrative:
I AM A VICTIM OF THE RECENT EQUIFAX DATA BREACH PLEASE REMOVE AND BLOCK THESE ACCOUNTS DUE TO THE RECENT BREACH I AM A VICTIM OF THE RECENT DATA BREACH PLEASE REMOVE AND BLOCK THESE ACCOUNTS IMMEDIATELY DUE TO THE RECENT DATA BREACH [ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX, PA, XXXX ] [ XXXX ] [ XXXX ] [ XXXX ] [ EQUIFAX ] [ XXXX XXXX XXXX ] [ XXXX, GA, XXXX ] Subject : Formal Dispute of Inaccurate Information Under FCRA ( 15 U.S.C. 1681n & 15 U.S.C. 1681o ) Dear [ EQUIFAX ], I am writing to formally dispute inaccurate information on my credit report under my rights granted by the Fair Credit Reporting Act ( FCRA ). The following item ( s ) on my report contain errors and must be investigated and removed immediately : [ XXXX ] Account # [ XXXX ] [ XXXX XXXX XXXX XXXX XXXX # [ XXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXX [ XXXX ] [ XXXX XXXX XXXX  ] -Account # [ XXXX ] [ XXXX XXXX XXXX ] -Account XXXX XXXX XXXX ] Nature of Dispute : [ fraudulent accounts ] [ Inaccurate information ] According to 15 U.S.C. 1681i, you are required to conduct a reasonable investigation of this dispute within 30 days. If the information is found to be inaccurate or unverifiable, it must be deleted or corrected. Additionally, under 15 U.S.C. 1681n, if you fail to comply with the FCRAs requirements willfully, you may be liable for actual damages, statutory damages of up to {$1000.00} per violation, punitive damages, and attorney fees. Under 15 U.S.C. 1681o, if noncompliance is due to negligence, you are still liable for damages, including legal costs. I demand that you correct or delete the inaccurate information from my credit report immediately. Please provide me with a written response detailing the results of your investigation. If the disputed item is not corrected, I will explore all legal remedies available to me. Enclosed are copies of supporting documents [ list documents such as a copy of your credit report with the inaccurate item highlighted, proof of identity, statements, etc. ] to assist in your investigation. Please respond in writing to the address above within the required timeframe. 

Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Southwest Credit Systems, L.P.
State: NC

Complaint narrative:
I asked him to send me the original document stating that I was in default to payment I requested the original documents where we have a contract together our best to see that contract I requested the original documentation stating where I authorized them to to do business with this entity I do not know nor have I ever authorized Southwest systems nor do I even know anything about them it is not my debt that is not me I want something showing proof that it is truly mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 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: SC

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despise my submissions, Equifax constantly responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I have marked as inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NEW YORK COMMUNITY BANCORP INC
State: GA

Complaint narrative:
Summary : We are disputing an escrow shortage of {$7200.00} that was revealed only after our mortgage servicing transferred from Flagstar Bank XXXX XXXX XXXX XXXX ( XXXX XXXX ) in XX/XX/XXXX. This shortage resulted in a sudden increase of our monthly mortgage payment by nearly {$1000.00} from {$3900.00} to {$4800.00} with no prior adequate notice or accurate forecasting. 

Details : We purchased our home in XX/XX/XXXX and had a consistent monthly payment of {$3900.00} until an escrow analysis by Flagstar in XX/XX/XXXX. 

Flagstar raised our monthly payment slightly to {$3900.00} by the end of XXXX, citing a minor shortage of approximately {$540.00}. 

Throughout XXXX and XXXX, Flagstar continued disbursing property taxes and homeowners insurance, but the escrow analyses failed to reflect the actual costs. 

In XX/XX/XXXX, shortly before transferring our loan, Flagstar conducted an escrow analysis showing a {$7200.00} shortage, resulting in a massive payment increase effective XX/XX/XXXX. 

This shortage was only communicated after the loan was transferred to XXXX, and XXXX has stated they are not responsible for errors made by the prior servicer. 

We made and continue to make all payments on time. This shortage seems to be the result of Flagstars failure to perform proper escrow forecasting and provide adequate notice, as required by RESPA. 

The abrupt nature of this payment increase has caused financial strain and frustration, as it could have been prevented by accurate forecasting earlier in the loans servicing timeline. 

Relief Requested : We request a formal investigation into the servicing conduct of both Flagstar Bank and XXXX XXXX XXXX ( XXXX XXXX ), and any available remediation, such as : XXXXA full review of the escrow shortage and its origin. 

-Reassessment or refund of any improperly calculated amounts. 

-Correction of any servicing errors. 

-A plan to restructure the repayment terms fairly ( if still applicable ). 

-Any remedies available in law or in equity. 

We would like to resolve this issue amicably, but reserve the right to pursue legal action. 

We have already submitted Qualified Written Requests ( QWRs ) to both servicers and attached a detailed timeline summary of events.

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 2025-03-22 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: TX

Complaint narrative:
Inaccurate, fraudulent information is reported on my credit report. 
XXXX XXXX XXXX, PA XXXX Acct XXXX Amount {$920.00}

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 2025-03-22 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: FL

Complaint narrative:
On XX/XX/XXXX, I went to XXXX XXXX XXXX in XXXX, FL to trade in my XXXX XXXX XXXX and purchase a XXXX XXXX XXXX XXXX XXXX The dealership collected my personal and financial information for financing. 

Without my full knowledge or informed consent, XXXX XXXX XXXX submitted my credit application to over 46 different lenders, which triggered a massive amount of hard inquiries across all three credit bureaus. This practice, known as credit shotgunning, was never properly disclosed to me and was done without my written consent for each submission. 

Since then, I discovered that a new auto loan has appeared on my credit report without any lender ever contacting me, sending account details, or providing documentation. To this day, I still do not know who holds the loan if anyone and I have received no welcome letter or payment instructions. 

Most disturbingly, on or around XX/XX/XXXX, the XXXX XXXX XXXX XXXX that I received in good faith was illegally towed ( repossessed ) from my residence by XXXX  XXXX XXXX XXXX , with no court order or proper repossession notice. I was never notified by the dealership or a lender that any cancellation, denial, or repossession was taking place. 

This confirms that I am being held financially responsible for a vehicle I was never properly financed for, and that the dealership acted improperly by delivering the vehicle and then using behind-the-scenes repossession tactics after a dispute arose.

Company response to consumer: Closed with explanation