vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am filing this complaint because I have been unable to access my free annual credit report through TransUnions website and mobile app, as well as being unable to file disputes on their platform. This has been an ongoing issue, and despite several attempts to log in and resolve the matter, I have been denied access to my account. 

Key Details : Attempts to Log In : I have tried multiple times to log in using my credentials, but I repeatedly receive error messages that prevent me from accessing my account.

Customer Service : I have contacted
TransUnions customer service, but no resolution was provided. [ Include specific dates, times, and the names of representatives if possible. ] Dispute Access Blocked : In addition to the login issue, I am unable to file disputes online, which is a violation of my rights under multiple consumer protection laws. 

Laws Potentially Violated : 1. Fair Credit Reporting Act ( FCRA ) : TransUnion is violating my right to access my free annual credit report ( 15 U.S.C. 1681g ) and my right to dispute inaccurate information on my report ( 15 U.S.C. 1681i ). Their failure to allow me to dispute errors online also contradicts their obligation to maintain reasonable procedures to ensure accuracy ( 15 U.S.C. 1681e ).

2. Consumer Financial Protection Act ( CFPA ) : Under the CFPA, TransUnions actions could be considered unfair, deceptive, or abusive acts or practices ( 12 U.S.C. 5531 ). They are failing to provide me with the access I am entitled to under the law.

3. Federal Trade Commission Act ( FTC Act ) : By not providing access to my credit report and blocking my ability to dispute errors, TransUnion is engaging in potentially unfair or deceptive practices, which is prohibited under the FTC Act ( 15 U.S.C. 45 ).

4. Dodd-Frank Wall Street Reform and Consumer Protection Act : TransUnions practices may violate UDAAP provisions ( 12 U.S.C. 5531 & 5536 ) by unfairly restricting access to credit report information and dispute processes.

5. Electronic Signatures in Global and National Commerce Act ( E-Sign Act ) : If TransUnion is providing electronic access to credit reports and disputes but not making them accessible to me, they may be violating the E-Sign Act ( 15 U.S.C. 7001 ).

6. Equal Credit Opportunity Act ( ECOA ) : By limiting my ability to access my credit report and dispute errors, TransUnion may be violating the ECOA ( 15 U.S.C. 1691 ) by potentially preventing me from accessing my credit history. 
7. Fair and Accurate Credit Transactions Act ( FACTA ) : TransUnions actions may hinder my ability to monitor my credit for identity theft, violating my rights under FACTA ( 15 U.S.C. 1681m ).

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 2025-05-08 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: AmeriHome Mortgage Company, LLC
State: LA

Complaint narrative:
Subject : Escrow Mismanagement and Duplicate Homeowners Insurance Payments Request for Investigation To Whom It May Concern, I am filing this formal complaint regarding the mishandling of my mortgage escrow account related to my property at [ Insert Property Address ], originally serviced by AmeriHome Mortgage and currently by XXXXXXXX XXXX  Loan Number XXXX. 

AmeriHome Mortgage collected escrow payments from me throughout XXXX XXXXXX/XX/XXXX to XX/XX/XXXX for the purpose of paying my homeowners insurance through XXXX. Despite having full funds in escrow, AmeriHome failed to pay the insurance premium to XXXX, violating their obligation under federal mortgage servicing regulations. 

As a result of this negligence, I had no choice but to make out-of-pocket payments directly to USAA, resulting in a double payment for the same coverage period. I have documentation proving : Escrow collection for the insurance premium Direct payments made to USAA during that period Communication records confirming the error This violates RESPA ( 12 U.S. Code 2605 ( g ) ), which mandates that servicers pay insurance premiums from escrow in a timely manner.

I am seeking : A full refund for all duplicate insurance payments I was forced to make directly. 

An official investigation into the escrow handling practices of AmeriHome Mortgage and XXXXXXXX XXXX 

Assurance that this kind of mismanagement is addressed and prevented moving forward.

This situation has caused me undue financial stress, and I request your offices support in holding the responsible servicers accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: IL

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: MS

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LendingPoint Holdings LLC
State: GA

Complaint narrative:
I have three late payments showing on my credit report for the period of XXXX through XX/XX/XXXX. I had autopay enabled on the account, but due to a system issue, it appears the autopay was deactivated without my knowledge. I held this account from XX/XX/XXXX until it was paid off in full in XX/XX/XXXX. However, it is now showing as " closed '' rather than " paid in full, '' which has negatively impacted my credit score.

Ive contacted LendingPoint multiple times in an effort to resolve this issue but have not been successful. I would appreciate any guidance or support you can provide in addressing and correcting this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
On XX/XX/year>, I sent a dispute letter to Transunion to address inaccurate items on my credit report. Along with this letter, I provided documentation to verify my identity, including a copy of my photo ID, Social Security card, and a recent utility bill. 

In my dispute, I explicitly requested specific information regarding the verification process : - Details on how the disputed item was verified.

- The date when Transunion contacted the creditor and furnisher.

- Contact information for the creditor and furnisher.

- The name of the individual who verified the item. The method of communication used to verify the disputed information ( e.g., phone, email, mail ).

- Confirmation on whether the creditor and furnisher provided any sensitive personal information, such as my Social Security Number, address, and date of birth during the verification process. 

I received a response from Transunion dated XX/XX/year> with the following statement : " We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. This response is completely unacceptable and appears to be a blatant violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

The FCRA clearly requires Transunion to conduct a reasonable reinvestigation of any disputed items in a consumers file. There is no ambiguity in this requirement ; Transunion 's refusal to investigate my dispute, despite receiving sufficient verification documents and a clear request, represents a failure to meet its statutory obligation. I am including a copy of my dispute letter sent to Transunion along with Transunions response as proof

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 2025-05-08 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: TX

Complaint narrative:
These accounts shouldn't be listed on my credit report given that they were opened without my consent. I demand you to remove them in order to fix this problem.

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 2025-05-08 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-05-08 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:
These accounts were opened without my authorization and should not be on my credit report. I urge you to correct this issue by deleting them.

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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am submitting this complaint so that this agency can not claim ignorance of my dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: PA

Complaint narrative:
I want to file a complaint for the Improper reporting of my student loan accounts. They are all in violation of the FCRA, FDCPA, FERPA, and TILA. These accounts are not fully verifiable, not originated with the current servicer, and reported inconsistently across the XXXX CRAs. 
I am filing this complaint due to the continued reporting of XXXX separate XXXX XXXX XXXX XXXX accounts on my credit report TransUnion. These accounts are reported as open and current, but I did not authorize XXXX XXXX to handle these loans. I have no original signed promissory notes, and the original lender has not been disclosed or verified. 
XXXX XXXX # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 
This violates : 15 USC 1681e ( b ) Maximum accuracy is not met due to inflated balances vs. original high credit.

15 USC 1681i ( 5 ) ( A ) Unverified and inaccurate info must be deleted, not updated.

15 USC 1681b No permissible purpose shown to report these student loans.

15 USC 1692e & 1692f Reporting multiple fragmented accounts is misleading and creates an artificially high debt load.

FERPA Educational records have been disclosed to and used by third parties without signed consent. There is evidence in the public domain confirming government overreach and misuse of student borrower records.

TILA I have never been provided disclosures by XXXX XXXX nor given informed consent. 
I demand the immediate deletion of these XXXX XXXX XXXX accounts from the TransUnion credit report. The servicer can not validate the origin or assignment of these debts, and the continued reporting is harming my financial standing without due process. 
If this matter is not resolved promptly, I reserve the right to escalate this with formal legal action under the aforementioned federal statutes. 
Delete all XXXX XXXX XXXX accounts from TransUnion, immediately. Provide full investigation details and proof of permissible reporting and origin of debt.

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 2025-05-08 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:
Theres an account showing up on my credit report that I did not open and did not authorize this is a clear case of identity theft. Someone fraudulently used my personal information, and I will not be held responsible for an account that has absolutely nothing to do with 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 2025-05-08 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:
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. 
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, has violated my rights. 

I looked at my experian credit report on XXXX XXXX  and noticed some things are incomplete and not accurate. and according to the fair credit reporting act whenever aconsumerreporting agencyprepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ) And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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 2025-05-08 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 discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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 have no knowledge of these inquiries, and they seem to be unauthorized and possibly fraudulent. I request immediate action to resolve this matter. Please review the attached documents for further clarification.

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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I am writing to formally dispute the accuracy of the information being reported on my credit file regarding a closed account with XXXX XXXX XXXX XXXX. The account in question reflects multiple late payments ( XXXX  days past due ). 

I have contacted the creditor directly, and they have confirmed in writing and over the phone that they can not provide any supporting documentation or billing statements proving that these alleged late payments actually occurred. This means the negative marks are unverified, and therefore must be removed in accordance with the Fair Credit Reporting Act ( FCRA ), Section 611 and 623. 

Please conduct a reinvestigation of this account. Since the creditor is unable to validate the accuracy of these derogatory marks, I request the immediate removal of all late payments and negative notations associated with this account.

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 2025-05-08 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: CT

Complaint narrative:
I am writing to formally dispute the accuracy of the information being reported on my credit file regarding a closed account with XXXX XXXX XXXX XXXX. The account in question reflects multiple late payments ( XXXX  days past due ). 

I have contacted the creditor directly, and they have confirmed in writing and over the phone that they can not provide any supporting documentation or billing statements proving that these alleged late payments actually occurred. This means the negative marks are unverified, and therefore must be removed in accordance with the Fair Credit Reporting Act ( FCRA ), Section 611 and 623. 

Please conduct a reinvestigation of this account. Since the creditor is unable to validate the accuracy of these derogatory marks, I request the immediate removal of all late payments and negative notations associated with this account.

Company response to consumer: Closed with non-monetary relief