vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-25 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to formally dispute an inaccuracy in my credit report, which I obtained on XX/XX/XXXX. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information, and I request that this error be investigated and corrected immediately. 
The disputed account is : Creditor Name : XXXX ( XXXX ) Account Number : XXXX Discrepancy Details : Upon reviewing my credit report, I found an inconsistency in the reporting of my payment history. 
XXXX. Incorrect Late Payments : My Experian report indicates XXXX late payments ( 30 days past due in XX/XX/XXXX and XX/XX/XXXX ). However, the historical account records show no payments past due in XXXX or XXXX. This contradicts the reported delinquencies and misrepresents my payment history. 
Request for Action : Under 15 U.S.C. 1681i ( a ) ( 1 ) of the FCRA, I request that Experian conduct a thorough investigation into this error and take the following corrective actions : Remove the incorrect XXXX late payments from my credit report. 
Provide me with a corrected copy of my credit report once the errors are resolved. 
I have attached copies of my credit report and supporting documentation to substantiate my claim. If this disputed information can not be verified within 30 days, as required by 15 U.S.C. 1681i ( a ) ( 5 ), it must be removed from my credit report. 
Please send me a written confirmation once the corrections have been made. 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 explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$11000.00} XXXX  - XXXX - XX/XX/XXXX - {$6300.00} XXXX - XXXX - XX/XX/XXXX - {$88.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$1000.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$220.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$830.00} XXXX - XXXX - XX/XX/XXXX - {$1700.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$720.00} XXXX CRED - XXXX XXXX XX/XX/XXXX - {$470.00} XXXX XXXX - XXXX XXXX XX/XX/XXXX - {$290.00} XXXX XXXX - XXXX XXXX XX/XX/XXXX - {$1000.00} XXXX - XXXX - XX/XX/XXXX - {$540.00} XXXX XXXX XXXX - XX/XX/XXXX - {$600.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX CRE XX/XX/XXXX XXXX XX/XX/XXXX 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 2025-02-25 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: SOFI TECHNOLOGIES, INC.
State: SC

Complaint narrative:
All dates and amounts and transactions identity theft...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: IL

Complaint narrative:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XX/XX/XXXX XXXX XX/XX/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 XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 explanation
Consumer complaint received 2025-02-25 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: IL

Complaint narrative:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XX/XX/XXXX XXXX XX/XX/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 XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: Fidelity National Information Services, Inc. (FNIS)
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, IL XXXX ChexSystems , Inc. 
Attn : Consumer Relations XXXX XXXX XXXX XXXX, MN XXXX Consumer ID : XXXX SSN : XXXX XXXX To Whom It May Concern : My bank has informed me that there is negative information reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX, by XXXX XXXX XXXX XXXX Account XXXX XXXX Balance {$580.00}, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX included in the file ChexSystems maintains under my Social Security Number. Upon ordering a copy of the report, I see an entry from this bank listing Account Abuse, and Checking Account Fraud. Issued date XX/XX/XXXX : XX/XX/XXXX and XX/XX/XXXX. Please validate this information with XXXX and XXXX XXXX XXXX and provide me with copies of any documentation associated with Account Abuse and checking account fraud. In the absence of any such documentation bearing my signature, I ask that this information be immediately deleted from the file you maintain under my Social Security Number. 
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 explanation
Consumer complaint received 2025-02-25 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$1100.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$4300.00} UNAUTHORIZED INQUIRIES : 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 explanation
Consumer complaint received 2025-02-25 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:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, experian and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies. 
Please delete all these fraudulent accounts none of the listed is associated with me. The account listed are not transactions done by myself.

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 2025-02-25 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: OR

Complaint narrative:
Im frustrated by the inaccuracies on my report that are unfairly hurting my scores and costing me opportunities. These errors have led to rejections, higher rates, and setbacks I dont deserve. Its beyond frustrating to be held back by mistakes that shouldnt be there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, Fl, XXXX XX/XX/XXXX To Whom It May Concern : I recently received a copy of my XXXX credit report, and I noticed a few incorrect balances posted on my credit report : WELLS FARGO XXXX XXXX XXXX ending in # XXXX Credit limit {$2500.00} Date opened : XX/XX/XXXX Last date of activity : XX/XX/XXXX and WELLS FARGO XXXX XXXX XXXX ending in # XXXX Credit limit {$1500.00} Date opened : XX/XX/XXXX Last date of activity : XX/XX/XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( XXXX ) EXCLUSIONS.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Thus, please correct the balance for these accounts to {$0.00} on my consumer reports, as this agency is in violation of 15 USC 1681.

Failure to correct the above referenced account balance, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : XXXX. Defamation of Character ( per se ) XXXX. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] 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 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I want the immediate cessation of the reporting of all my XXXX XXXX credit card accounts on all my credit reports. I make this request based on the law 15usc6802. This law clearly states that for any financial institution to disclose my information to any third party, they must get permission to do so and that I have the right to opt out of such disclosures and that I must be provided with information of how I can opt out of such reporting. I never got a disclosure of how I can opt out of such reporting, and I never gave XXXX XXXX permission to disclose my information to any third party, including credit bureaus. I therefore seek the immediate cessation of reporting XXXX XXXX on my credit report. I have attached a copy of the law below : 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information U.S. Code Notes prev | next ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

End of quote. 
Kindly cease the reporting of XXXX XXXX on my credit report. I am exercising my rights to opt out of such reporting. I have also attached a copy of the law in the file attached.

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 2025-02-25 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: MO

Complaint narrative:
I want the immediate cessation of the reporting of all my XXXX XXXX credit card accounts on all my credit reports. I make this request based on the law 15usc6802. This law clearly states that for any financial institution to disclose my information to any third party, they must get permission to do so and that I have the right to opt out of such disclosures and that I must be provided with information of how I can opt out of such reporting. I never got a disclosure of how I can opt out of such reporting, and I never gave XXXX XXXX permission to disclose my information to any third party, including credit bureaus. I therefore seek the immediate cessation of reporting XXXX XXXX on my credit report. I have attached a copy of the law below : 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information U.S. Code Notes prev | next ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

End of quote. 
Kindly cease the reporting of XXXX XXXX on my credit report. I am exercising my rights to opt out of such reporting. I have also attached a copy of the law in the file attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 

Re : Mr. Cooper Home Loans To Whom it May Concern : Please accept this letter as an official complaint regarding issues I am experiencing with Mr. Cooper Home Loans. The problem is as follows : I was notified on or about XX/XX/XXXX that my loan was transferring to Mr. Cooper from my XXXX XXXX. This was in itself bad news. The transfer would occur in XX/XX/XXXX. I then received notice from XXXX XXXX  of an Escrow analysis completed in XX/XX/XXXX, as it has been for the past couple year. Ultimately, the XXXX XXXX  increased my mortgage payments from {$1600.00} to {$1800.00}. 
In XX/XX/XXXX, Mr. Cooper notified me of their intent to conduct another XXXX XXXX Upon contacting Mr. Cooper, I received conflicting information from XXXX representatives regarding their XXXX XXXX schedule. When I involved the state commissioner 's office, they contradicted XXXX XXXX XXXX claim of a fixed schedule for XXXX, stating that mortgage companies have discretion in timing escrow analyses within a XXXX period. 

A XXXX from Mr. Cooper subsequently assured me that the XXXX XXXX would be postponed to XX/XX/XXXX, maintaining the previous schedule. However, upon following up in XXXX, I was informed by another representative that the analysis could not be moved. 

I believe Mr. Cooper XXXX be engaging in unfair or deceptive practices by : XXXX. Providing inconsistent information about their XXXX XXXX policies. 

XXXX. Attempting to conduct an unnecessary escrow analysis merely XXXX months after the previous one. 

XXXX. Failing to honor the commitment made by their XXXX regarding the analysis schedule. 

XXXX XXXX  Completed XX/XX/XXXXXXXX XXXX XXXX  Completed XX/XX/XXXX. 

I request that you investigate this matter and consider appropriate action against Mr. Cooper. My primary goal is to have the XXXX XXXX  occur in XXXX as initially planned and promised. 

This situation has caused significant stress and eroded my trust in Mr. Cooper as a loan servicer. Given their recent involvement in lawsuits, I am concerned about their practices and feel I may be being taken advantage of. 

I appreciate your attention to this matter and look forward to a resolution that ensures fair treatment and adherence to proper escrow analysis procedures. 

Thank you for your anticipated assistance in this matter. Please contact me at Kindly, cc : Mr. Cooper, Consumer Financial Protection Bureau ( CFPB )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute Failure to Provide Proof of Investigation & Unauthorized Account Reporting Dear Credit Bureau Representative, I am writing to formally dispute the reporting of an account by Ally Financial that appears on my credit report with your bureau. This account does not belong to me and is the result of identity theft. Additionally, I was a victim of a data breach, further supporting my claim that this account is fraudulent. 

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 7 ), I have the right to request the method of verification used during your investigation. I previously disputed this account, yet you failed to provide documented proof of the investigation process, including the method of verification, date and time of contact, and the specific person or entity you spoke with to verify the account. This failure is a direct violation of my rights under the FCRA.

Since you can not verify this account with legally sufficient evidence, I demand the immediate deletion and permanent blocking of this fraudulent account from my credit file under FCRA 605B.

Please consider this a formal request for reinvestigation and provide the following documentation within 15 days : XXXX. The name, contact information, and title of the person you spoke with at XXXX XXXX to verify the account. 
XXXX. The specific method used to verify the accuracy of this account. 
XXXX. The date and time the investigation took place. 
XXXX. A copy of any documentation provided by XXXX XXXX that allegedly proves this account belongs to me. 

Failure to comply with my request will result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office. I will also explore legal remedies for violations of my rights under the FCRA. 

Please remove and permanently block this fraudulent account immediately and provide me with a new copy of my credit report reflecting this correction. 

I have attached a copy of my government-issued ID, proof of address, and a copy of my FTC Identity Theft Report for verification. 

I expect your prompt compliance with this request. Please respond in writing to the address listed above. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation