vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-29 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: MT

Complaint narrative:
Consumer : XXXX XXXX XXXX XXXX XXXX, XXXX, MT XXXX Summary of Complaint : XXXXXXXX XXXX XXXX continues to report and collect on a mortgage debt that was legally rescinded under the Truth in Lending Act ( 15 U.S.C. 1635 ) on XX/XX/year>. XXXX failed to respond within the required 20-day statutory window. The debt and lien are therefore void by operation of law. Offer of tender was made contingent upon XXXX 's mandated statutory requirement to return all charges and fees and removal of the lien from the land records which they failed to do. 

Despite this, XXXX has continued to : - Send collection letters, - Threaten negative credit reporting, - Ignore evidence of rescission, ( Affidavits, Certified Mail receipts, etc. ) - Acknowledge receipt of my rescission in recorded phone calls with their representatives on XX/XX/XXXX and XX/XX/year>. 

The originating lender ( XXXX XXXX ) acknowledged the validity of the rescission in internal emails. XXXX received these emails and was provided direct knowledge of the facts. 

XXXXXXXX XXXX XXXX Loan Account No : XXXX I am requesting CFPB enforcement to compel Shellpoint to cease all collection and credit reporting activities, issue a discharge confirmation, and correct my credit records accordingly. 

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 non-monetary relief
Consumer complaint received 2025-05-29 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: FL

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning 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 explanation
Consumer complaint received 2025-05-29 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: IN

Complaint narrative:
Please removed all these inaccurate information and all these fraudulent account in my account they are affecting my ability to obtain credit

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 2025-05-29 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: IN

Complaint narrative:
Please removed all these inaccurate information and all these fraudulent account in my account they are affecting my ability to obtain credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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 am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-05-29 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Exeter Finance, LLC.
State: IL

Complaint narrative:
I am writing to formally dispute and request the removal of an unauthorized account currently appearing on my credit report. 

Upon recently reviewing my credit file through XXXX, I noticed an auto loan account associated with Exeter Finance that I did not authorize or initiate. The account in question indicates that a loan in the amount of {$15000.00} was opened on XXXX XXXX 2020. As of the most recent report, the outstanding balance is listed at {$10000.00}. 

I would like to clarify that I have no knowledge of this account and did not consent to this loan in any capacity. As such, I believe this entry to be the result of either a reporting error or potential identity theft. 

This erroneous account is negatively impacting my credit score and hindering my ability to move forward with important financial and professional ventures that require a clean and accurate credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: IL

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ DEPTEDXXXX  ] Account Number : [ XXXX ] Creditor Name : [ DEPTEDXXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXXXXXX XXXX XXXX  ] Account Number : [ XXXX ] Creditor Name : [ XXXX  ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ 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 2025-05-29 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: OH

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX PLEASE REMOVE ALL ACCOUNTS! AS PER THE GUIDANCE FROM CFPB THE DOCUMENT NEEDED AS A LETTER FROM THE ADVOCACY GROUP HELPING ME DUE TO HUMAN XXXX-DEBT FINAL RULE 1002.142 ( B ) ( 4 ) -5-1002.142 ( B ) ( 7 ), I KINDLY REQUEST THAT YOU BLOCK ALL INFORMATION FROM MY CREDIT REPORT WITHIN 4 BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. I AM A VICTIM OF HUMAN XXXX OF DEBT BONDAGE AND WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELETED FROM CREDIT REPORT! PLEASE DELETE THE FOLLOWING ACCOUNTS XXXX  {$850.00} XXXX XXXX ( XXXX XXXX ) {$690.00} XXXX  XXXX {$4500.00} XXXX {$2300.00} XXXX XXXX XXXX  DATED 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 2025-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they 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 2025-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Dear CFPB Representative, I am writing to formally file a complaint regarding unresolved disputes I have submitted multiple times to American Express concerning unauthorized charges from two companies : Wix and Motive.

I canceled services with both Wix and Motive several months ago and contacted American Express to request that all related automatic payments be stopped. Despite my repeated requestssubmitted over five timesAmerican Express has failed to take appropriate action. As a result, I was billed for the following charges : XXXX : {$350.00} and {$180.00} Motive : Two charges of {$240.00} each I have since provided American Express with copies of emails that include the cancellation confirmations and corresponding dates. I have also communicated directly with both XXXX  and Motive, and representatives from both companies acknowledged the cancellations.

In addition to these unresolved disputes, American Express recently decreased my credit limit after I was a victim of identity theft, which caused a temporary drop in my credit score. Despite never having a late payment with American Express, they penalized me by lowering my limit, which I believe is both unfair and damaging to my financial standing. I respectfully request that my original credit limit be reinstated. 

I am seeking your assistance in holding American Express accountable for : Failing to honor dispute submissions and stop unauthorized autopayments Not properly investigating and resolving repeated billing complaints Reducing my credit limit despite a solid payment history and extenuating circumstances

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: A&D Mortgage LLC
State: FL

Complaint narrative:
In XX/XX/XXXX, XXXX XXXX issued my renewal for the upcoming homeowners insurance policy on the mortgaged property located at XXXX XXXX XXXX XXXX ( Loan XXXX, A & D Mortgage ). The renewal documentation was sent only to my personal mailing address at XXXX XXXX XXXX XXXX, rather than directly to A & D Mortgage or to the insured property address. Although the documents list A & D Mortgage, LLC as the mortgagee/lienholder, there is no indication that A & D Mortgage was directly sent a physical copy of the renewal. 

XXXX, A & D Mortgage paid this policys annual premium directly to XXXX in both XXXX and XXXX without issue. At no point in those prior years was I required to act as an intermediary or manually send a declaration page. However, for reasons not clearly communicated, XXXX did not send the XXXX renewal or invoice directly to A & D Mortgage, and A & D Mortgage never contacted me to request the declaration page or indicate a problem prior to the policy being canceled. 

Instead, I received a series of vague and delayed emails from A & D Mortgage in XX/XX/XXXX after the policy had already lapsed. These messages insisted that I needed to provide a declaration page and an invoice to make the payment, but this request came weeks after XXXX had already canceled the policy due to nonpayment. Despite my efforts to clarify the issue and reinstate the policy, A & D Mortgage placed force-placed insurance on the property nearly triple the market rate because of what appears to be a communication failure or procedural mishandling on their part. 

The key problem is that the renewal was mailed to me as the insured party and not to the mortgagee listed. XXXX  documentation confirms this ( see attached PDF : Renewal sent to mortgagee ), showing my name and address on page XXXX and only noting A & D Mortgages name in a separate section. Another attached document ( XXXX XXXX XXXX to XXXX ) confirms this same delivery method. 

I was unaware that I had to manually forward these documents to XXXX XXXX XXXX, as no such procedure was required in prior years. I now face quotes between {$20000.00} and {$30000.00} per year for insurance, up from the original {$10000.00}, due to this lapse being flagged by other insurers a direct financial consequence of this mishandled process.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-29 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: GA

Complaint narrative:
Please correct/update the inaccurate information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned 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 explanation
Consumer complaint received 2025-05-29 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 do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned 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 2025-05-29 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: GA

Complaint narrative:
My credit report should only reflect accurate information, which is why its important to verify the accuracy of this data rather than relying solely on what the data furnisher has provided. Its frustrating to see my credit get negatively affected by inaccuracies that arent my fault. I'm deeply concerned about these errors and they've been causing me stress and it's also impacting my ability to secure new credit. They are mixed, fraudulent information that Ive never authorized or benefited from. This situation is unfair and I need you to address this as soon as possible to prevent further damage.

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 2025-05-29 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: CT

Complaint narrative:
Because of a recent data breach, my credit file has been compromised by unauthorized accounts. Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and remove them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3100.00} XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2600.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$600.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX XXXX  Account Number : XXXX * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$71.00} XXXX XXXX XXXX Account Number : XXXX * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$340.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$600.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$880.00} Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
Requested information of investigation of how the debt was obtained and havent received it.which the information is inconsistent and has different implications which is a violation of my rights and I would like it to be removed asap.

Company response to consumer: Closed with explanation