vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt 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 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I am writing to formally dispute the unauthorized access of my student loan information by the Department of Government Efficiency ( DOGE ), led by XXXX XXXX. Recent reports indicate that DOGE has gained access to sensitive data, including personal and financial details of student loan borrowers, without proper authorization. 

This unauthorized access raises significant concerns about the privacy and security of my personal information. I request the following actions : Immediate Investigation : Conduct a thorough investigation into the extent of DOGE 's access to my student loan information.

Confirmation of Data Security : Provide written confirmation that my personal and financial information remains secure and has not been compromised. 

Preventive Measures : Outline the steps being taken to prevent unauthorized access to borrower information in the future. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
When checking my credit reports with experian and transunion they are always very far off from my actual credit. That lead to declined loans or credit checks which then decreased my score exponentially even more. They also do not update when payments have been made and report late payments when they're not actually late.

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 2025-02-12 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: IL

Complaint narrative:
CFPB Subject : Dispute Regarding Civil Liability Under 15 U.S. Code 1681o Dear CFPB, I am writing to formally dispute the claim of civil liability against me under 15 U.S. Code 1681o relating to alleged negligent noncompliance with the Fair Credit Reporting Act ( FCRA ). I just had a claim into these allegations. The case number is XXXX, and they came back once again stating they verified the info but never provided me with a verification method, just saying it was verified as accurate. Out of the three items I asked to be disputed, one was deleted, and the other two came back as accurate. I asked for the same thing with each of these accounts and nothing was provided to me. I asked for a method of verification for bankruptcy and a collection account on my credit. 
I have asked them several times to provide me with the method of verification used, and they have never complied. They just sent me a notice saying the account holder says the information is valid. That is not a thorough investigation. I asked for proof, and none was provided. This is negligent, illegal, and a violation of my consumer rights. I take these allegations seriously and wish to clarify my position. Specifically, I would like to address several key points : 1. Compliance Efforts : I have diligently complied with the provisions of the FCRA, including [ describe your compliance efforts broadly, such as obtaining necessary reports and ensuring accuracy.

2. Lack of Negligence : The negligence claim is unfounded, as I have taken reasonable steps to prevent any violations.

3. Circumstances Beyond My Control : If applicable, highlight any external factors contributing to the alleged noncompliance.

4. Rectifying Actions : I have already addressed some potential issues. [ List any steps you've taken to correct the situation, including any communications made with credit reporting agencies or efforts to enhance practices related to consumer credit information. I would like these items to be deleted immediately.

Given these considerations, I respectfully request a review of this allegation 's circumstances. I believe that the information provided will demonstrate my commitment to compliance and my lack of negligence in this matter. I appreciate your attention to this dispute and am available for further discussions at your convenience. Please reach me at 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 2025-02-12 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: MI

Complaint narrative:
In accordance with the fair act credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15USC 1651 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.

15 U.S.C 1681 Section 602 A Section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section states : No consumer reporting agency my make any consumer report containing any of the following items of information, other than records of convictions and crimes which antedates the report by 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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:
Data breach happened, per 15 USC 1681c2 please block and delete this item within 4 business days. Please delete the following 
Accounts :

XXXX XXXX XXXX XXXX (Original Creditor: XXXX XXXX)

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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: CA

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

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 2025-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
They continuously call with threatening calls and even though I asked them to stop and block the number they call from another one

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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: MD

Complaint narrative:
Not XXXX time but several times I asked for the XXXX  to be removed from my credit report because it could not be verified by the XXXX XXXX  but the credit bureaus stated that it was verified by the XXXX XXXX when the XXXX  XXXX states that they do not verify XXXX  to the credit Bureaus. So therefore, the credit bureaus are responding with false 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 2025-02-12 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: NV

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within XXXX  business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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: NY

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 XXXX of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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: TN

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally dispute the unauthorized access of my student loan information by the XXXX XXXX XXXX XXXXXXXX ( XXXX ), led by XXXX XXXX. Recent reports indicate that XXXX  has gained access to sensitive data, including personal and financial details of student loan borrowers, without proper authorization. 

This unauthorized access raises significant concerns about the privacy and security of my personal information. I request the following actions : XXXX XXXX : XXXX a thorough investigation into the extent of XXXXXXXX XXXX access to my student loan information. 

Confirmation of XXXX XXXX : Provide written confirmation that my personal and financial information remains secure and has not been compromised. 

Preventive Measures : Outline the steps being taken to prevent unauthorized access to borrower information in the future. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: UT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2025 Subject : Dispute of XXXX XXXX for XXXX and XXXX XXXX XXXX XXXXXXXX Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to formally dispute the civil liability claim XXXX XXXXXXXX, which alleges negligence and noncompliance on my part. After thoroughly reviewing the matter, I believe that the claim is without merit for the following reasons : XXXX. Lack of Negligence : The claim asserts that I have failed in my duty of care, leading to damages. However, I dispute that I acted negligently in this situation. I have always exercised the standard of care expected under the circumstances and adhered to all applicable rules, regulations, and industry standards. There was no deviation from what is considered reasonable or expected in this matter. 
XXXX. Noncompliance with Legal or Contractual Obligations : I also dispute any claim that I have been noncompliant with any legal or contractual obligations. All the necessary actions have been taken on my part to ensure that all required procedures, laws, and contractual terms were followed. Any suggestion of noncompliance is therefore inaccurate. 
XXXX. Inaccurate or Insufficient Evidence : I believe the evidence provided in support of the claim is either incomplete, incorrect, or not applicable to the situation at hand. I would request that you review the documents and evidence associated with this claim, as I am confident that the facts will not support the accusation of negligence or noncompliance. 
Given the above reasons, I request that this claim be withdrawn or revised accordingly. If necessary, I am more than willing to provide further documentation or participate in a discussion to resolve the matter in a fair and equitable manner. 
Please acknowledge receipt of this letter and inform me of the next steps to dispute this claim formally. I expect this matter to be addressed promptly and in accordance with applicable legal guidelines. 
Thank you for your attention to this matter. I look forward to your prompt response. 
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 2025-02-12 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:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-02-12 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:
I have not supplied proof under the doctrine of estoppel by silence, 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 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 2025-02-12 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: PA

Complaint narrative:
I am writing to request the removal of unauthorized credit inquiries on my TransUnion credit report. I recently retrieved my credit report and it showed XXXX credit inquiries that I have no knowledge of ever authorizing. 

I am writing to dispute the following inquiries and asking for their removal from my credit report. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Please have these unapproved inquiries removed from my credit report within XXXX  days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved.

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 2025-02-12 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:
I have not supplied proof under the doctrine of estoppel by silence, 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 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 2025-02-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CMG Financial Services, Inc.
State: TX

Complaint narrative:
Since XXXX, CMG Financial has been mishandling the escrow for my mortgage. This issue has been brought to their attention multiple times, but each time the mortgage company has danced around fixing it. In XXXX, the mortgage company was under-escrowing my account. This was brought to their attention, but they did not resolve the issue. Information from the tax office was sent to help them address the problem, yet the issue remained unresolved. 

In XXXX, my escrow account showed that I owed {$4300.00} due to the mishandling of my account. This amount was paid in full. However, after this payment, the mortgage company refused to acknowledge that the payment was made, resulting in them over-escrowing my account. This has been brought to their attention multiple times. 

In XXXX, I requested another escrow analysis, but they denied my claim. In XXXX, they are still over-escrowing my account by {$640.00} per month. This has been a long battle with CMG Financial. They are very dismissive and do not care to fix the problem. I have tried my best to work with them on the mishandling of my mortgage, but at every attempt, I am told that there is nothing I can do and that they do not care to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to 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 non-monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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