vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-10 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: IL

Complaint narrative:
i see some fraudulent inquiries in my report. please remove them as soon as possible. they been hurting my report. 

XXXX XXXX XXXX inquiry XXXX XXXX XXXX XXXX inquiry XXXX XXXX XXXX inquiry XXXX XXXX XXXX inquiry XXXX XXXX XXXX inquiry XXXX XXXX XXXX XXXX inquiry 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 2025-01-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LoanCare, LLC
State: GA

Complaint narrative:
Subject : Complaint Regarding Mortgage Company Holding Insurance Funds Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a complaint against my mortgage company, LoanCare, regarding the mishandling of insurance funds for XXXX  damage repairs to my home. I have been experiencing significant issues with them since XXXX, when I first received the insurance check for XXXX  damage to my property. 
Here is a summary of the situation : 1. Insurance Funds : I received the insurance check and promptly sent it to LoanCare, as required. However, LoanCare is only releasing {$40000.00} of the check to me initially, and they are telling me that I must undergo an inspection before more funds are released. 
2. Confusion and Contradictory Information : I was informed that the first inspection must show that 50 % of the repairs are complete before additional funds are disbursed. However, they are refusing to release 50 % of the insurance funds to allow me to begin the repairs, which is contradictory and preventing me from moving forward with necessary work on my home. 
3. Lack of Transparency : LoanCare has been unable to provide me with any documentation or agreement showing that I authorized them to hold my funds or release them in increments. Each representative I speak with provides a different response, and I am given inconsistent information regarding what I need to do to get the funds released. 
4. Request for Clear Documentation : I have asked them to provide any signed agreement that would authorize them to hold and release the funds in phases, but they have not been able to do so. I have been told that all my calls are recorded, and I would appreciate your assistance in reviewing these recordings to verify the discrepancies in the information Ive been given. 


I am requesting that LoanCare either provide clear documentation showing that I agreed to this process, or if no such agreement exists, release all my insurance funds immediately so that I can begin repairs on my home. 
This situation has caused significant frustration, and I am seeking your assistance in resolving this matter. Thank you for your attention to this issue. 

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 2025-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: AR

Complaint narrative:
On XXXX XXXX a transaction was made from my XXXX XXXX account to my regions account ending in XXXX of {$200.00} XXXX  and {$170.00} on XXXX XXXX these transactions have been deleted from regions system giving the illusion that the transaction never happened regions closed my account and put fraudulent overdrafts on this closed account in the amount of {$350.00} and took {$250.00} XXXX  that was accidentally deposited to this closed account and applied it to the fraudulent overdrafts fees due to the transaction being deleted customer service is not able to help me cause they cant see the transaction

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to request the immediate correction of inaccurate information on my credit report. The incorrect address XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and the employer listed as XXXX must be removed. My correct employer is XXXX XXXX XXXX, and my accurate address can be verified using the two proofs of address provided, such as my utility bill. Please update my credit report to reflect only accurate and verified information. Once these changes are made, provide written confirmation from Equifax, along with an updated copy of my credit report. Ensuring the accuracy of my credit report is critical, and I appreciate your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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:
Hello, I am requesting an investigation into these accounts, as there appears to be a misunderstanding regarding their accuracy on my credit report. These accounts were previously removed but have been re-added without my knowledge. I was not notified of their return, nor have I received any correspondence about this through the mail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Miranda Holdings LLC DBA Total Credit Relief
State: MA

Complaint narrative:
Total credit relief promised to help me fix and paid off my debt. I paid monthly for 18 months XXXX XXXX  and I still have see any result on any thing. I spent so much time playing phone tag with the company. Life happened and I go months without calling, but by now everything should of been taking care of. I just want my money back so I can pay the loan company my self. I was sued cause I was told not to pay the loan and let it go to collection which doesnt help my situation and my credit. I could of put the money towards the loan

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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:
Im frustrated with the persistent inaccuracies on my report that are directly harming my score. This isnt just a minor issue ; its affecting real opportunities and my ability to grow financially. Its exhausting and unfair to be penalized for information thats wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian, XXXX, XXXX. All three reporting companies have notified me my credit freeze had been lifted, THIS WAS NOT AUTHORIZED by me. All of my login information has been hacked. Phone number, address, email have been changed making it impossible for me to access my credit reports and place a freeze. There has been a fraud alert from my bank requiring new bank cards. I am unable to speak with any one at all three credit reporting companies. Terrible customer service to say the least! These companies are entrusted in many cases with our future finances yet have released my most vulnerable information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
The reason for this is because I have been in contact with the FTC and have been told that my Identity has been compromised due to the XXXX  XXXX XXXX XXXX. Apparently there was a Kohl 's account opened in XXXX  using my information. According to XXXX own admission. My information was part of their data breach. I'm wanting to dispute this fraudulent Kohl 's account and remove it from my credit report. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Freedom Mortgage Company
State: WV

Complaint narrative:
Our XXXX Mortgage Payment is {$530.00} more than XXXXXXXX XXXX. We noticed that our PMI is triple, was {$230.00} and now shows as {$690.00}. The PMI from our understanding is not supposed to change. XXXX is out PMI provider, they would not talk to us, only to Freedom Mortgage our loan servicing company. We tried calling Freedom only to be transferred again and again and again XXXX  XXXX calls of XXXX minutes or more with no resolution. We can not afford this new payment, especially with a baby on the way. The Escrow history clearly shows the PMI paid every monthin XXXX the old servicing company didn't pay the PMI, that is their issue not ours, we need this to be resolved immediately. Our late fee kicks in on the XXXX and we feel we need to have this resolved before we make our payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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 am writing to have the following information removed from my credit file, the items that Ineed deleted are going to be attached in a word document. I am a victim of identity theft. I havemultiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that theseitems be deleted so my credit report will only show accurate information. I reported the theft of myidentity to the Federal Trade Commission and have enclosed copies of the report. I would like theseitems deleted from my credit report as soon as possible. Please block this information from my creditreport, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: Consumer Portfolio Services, Inc.
State: FL

Complaint narrative:
I am writing to formally report a case of identity fraud that has severely impacted my financial accounts and credit standing. I request your assistance in resolving this matter and ensuring that the responsible companies address the issues appropriately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: MS

Complaint narrative:
Kindly remove these fraudulent accounts from my credit report, as I did not authorize their creation and was not aware of their presence. Under USC 1681g, I request their removal within 15 days. Supporting documents are attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Adjustment Service, Inc.
State: PA

Complaint narrative:
Balance not accurate, previous address at XXXX XXXX XXXX was not properly turned off as of XX/XX/year>, also prior address was supposed to be investigated for illegal gas set up and it was not done due to negligence of company, so they charged my account and I've disputed numerous of times, ultimately leaving them to sell my account to a third party which is illegal under FDCPA - 15 U.S. Code 1692 & 15 U.S. Code 6801-6809.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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:
XX/XX/year> Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Collection Account on My Credit Report From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Dear Experian Representatives, I am writing to formally dispute the accuracy of a collection account listed on my credit report. In accordance with 15 U.S.C. 1692g, under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting verification of this collection account.

Legal Basis : 15 U.S.C. 1692g Validation of Debts The law clearly states : ( a ) Notice of debt ; contents.

Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( XXXX ) the amount of the debt ; ( XXXX ) the name of the creditor to whom the debt is owed ; ( XXXX ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( XXXX ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( XXXX ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 

Under this law, if the debt can not be verified, it must be removed from my credit report. Therefore, I respectfully request that this collection account be validated. If the collection agency can not provide adequate validation, Experian must remove this account from my credit report as required by law. 

I have attached a copy of my identification and my credit report for your reference. Please confirm in writing the resolution of this dispute within the legally required timeframe. 

Thank you in advance for your attention to this matter. I look forward to a prompt resolution in compliance with the law. 

Sincerely, 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 2025-01-11 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: IL

Complaint narrative:
I have been notified by XXXX, XXXX, XXXX XXXX, Cash App, XXXX, XXXX and Illinois XXXX XXXX XXXX XXXX XXXX XXXX Data Breach within their company. My information has been compromised and someone is using that information to try to obtain credit fraudulently. The following inquiries were made and I did not authorize any of these transactions. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Signature XXXX XXXX XXXX XX/XX/XXXX - XX/XX/XXXX. These inquiries are causing undue hardship because they are affecting my ability to gain credit. By law I have a right to privacy and by the credit bureaus reporting these unauthorized activities they are in violation of that law. I had to file bankruptcy due to this matter keep happening, I had to because I was a victim of identity theft. I also feel reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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:
XX/XX/scrub>XXXX  Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Collection Account on My Credit Report From XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Dear Experian Representatives, I am writing to formally dispute the accuracy of a collection account listed on my credit report. In accordance with 15 U.S.C. 1692g, under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting verification of this collection account.

Legal Basis : 15 U.S.C. 1692g Validation of Debts The law clearly states : ( a ) Notice of debt ; contents.

Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( XXXX ) the amount of the debt ; ( XXXX ) the name of the creditor to whom the debt is owed ; ( XXXX ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( XXXX ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( XXXX ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 

Under this law, if the debt can not be verified, it must be removed from my credit report. Therefore, I respectfully request that this collection account be validated. If the collection agency can not provide adequate validation, Experian must remove this account from my credit report as required by law. 

I have attached a copy of my identification and my credit report for your reference. Please confirm in writing the resolution of this dispute within the legally required timeframe. 

Thank you in advance for your attention to this matter. I look forward to a prompt resolution in compliance with the law. 

Sincerely, 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 2025-01-10 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: GA

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND XXXX. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ

Complaint narrative:
I am writing to formally request debt validation for the auto loan account referenced above currently being serviced by XXXX XXXX XXXX, in accordance with the Fair Debt Collection Practices Act ( FDCPA ). I have serious concerns regarding the ownership of this loan, the authenticity of certain documents. I request that you provide the necessary validation of this loan within the next 30 days. Please provide the following : 1. Evidence of Ownership of the Loan : Documentation confirming the current owner of the loan, and whether XXXX or another party ( such as a securitization trust noted in XXXX ) holds the beneficial interest. If the loan has been transferred, please include relevant documentation. 

XXXX. Original Loan Agreement : A certified copy of the original loan agreement and all related documents ( i.e. assignment and endorsements ).

3. Verification of Electronic Signature : Evidence validating the authenticity of the electronic signature attributed to me, including : o A digital certificate validating the signature.

o Metadata documenting the date, time, and method of the signature 's execution. 
o Evidence demonstrating the chain of custody for the signature, showing proof it originated from my device or account. 

XXXX. Evidence of Consideration : Proof that consideration ( e.g., loan funds or goods ) was provided by XXXX XXXX XXXX in exchange for my agreement to the loan terms. 
o Please note this request is also being sent to XXXX XXXX XXXX XXXX CO. 

If you are unable to provide the requested documentation, I expect this loan to be considered paid in full and title will be released to me or I will pursue further action, including potential litigation or arbitration as outlined in the original agreement. 

Thank you for your attention to this matter. I look forward to your prompt response. Please contact me at XXXX or via email at XXXX for any further information or clarification. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation