vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I disputed inaccurate and unverifiable derogatory information on my credit report with [ Experian/Equifax/TransUnion ] , following my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681. The credit bureau has failed to provide verification of the accounts, including a bona fide contract with my signature, proving my legal obligation to these debts. Under FCRA 15 U.S.C. 1681i, if an item can not be verified within 30 days, it must be deleted immediately. I requested this verification on XX/XX/year>, and Equifax, Experian and Transunion has failed to comply. Additionally, under Uniform Commercial Code ( UCC ) 3-603, if a debt has been transferred, sold, or charged off, it has been satisfied, and continued reporting is unlawful and misleading.These debts have not been verified. I can not access my reports at this time to provide all incorrect information. I am requesting the CFPB to take action and ensure [ Experian/Equifax/TransUnion ] removes the inaccurate, unverifiable, or obsolete negative items from my credit report immediately. 

I am no associated with the name XXXX XXXX. I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. This is fraudulent. Remove immediately all addresses except my current address.

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 2025-03-13 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: TX

Complaint narrative:
I disputed inaccurate and unverifiable derogatory information on my credit report with [ Experian/Equifax/TransUnion ] , following my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681. The credit bureau has failed to provide verification of the accounts, including a bona fide contract with my signature, proving my legal obligation to these debts. Under FCRA 15 U.S.C. 1681i, if an item can not be verified within 30 days, it must be deleted immediately. I requested this verification on XX/XX/year>, and Equifax, Experian and Transunion has failed to comply. Additionally, under Uniform Commercial Code ( UCC ) 3-603, if a debt has been transferred, sold, or charged off, it has been satisfied, and continued reporting is unlawful and misleading.These debts have not been verified. I can not access my reports at this time to provide all incorrect information. I am requesting the CFPB to take action and ensure [ Experian/Equifax/TransUnion ] removes the inaccurate, unverifiable, or obsolete negative items from my credit report immediately. 

I am no associated with the name XXXX XXXX. I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. This is fraudulent. Remove immediately all addresses except my current address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Today on XX/XX/year> I deposited a check in to the wellsfargo atm for XXXX cents and the atm messed up my deposit and put it for XXXX and the bank isnt fixing it or giving me the money that is owed to me when their atm messed up they only filed a claim and said they might give me my money back when this is a check from my lawyer for my settlement and waited XXXX years for it and want my money put into my 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 monetary relief
Consumer complaint received 2025-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: TRUSTMARK CORPORATION
State: TN

Complaint narrative:
I purchased a home through TrustMark Bank in XXXX of XXXX. In XXXX of XXXX, XXXX Informed me that my mortgage payment went from {$510.00} per month to {$600.00}. I have inquired as to why, and various agents have given me multiple responses that don't check out. I ( homeowner ) never received notice of any changes. I've contacted the tax office and the insurance company and none of what XXXX is saying checks out to the affirmative. XXXX sends these long, rambling, incoherent financial statements that withholds the essential information that I have requested. My payments are set up automatically through bank draft and have been paid since the first month. XXXX will not provide an individual statement of the issue, but continues to send form letters with no signature. I have told the agents that I am on dialysis and to refrain from calling during certain hours. They purposely call me during my dialysis treatments. They send XXXX and XXXX letters everyday with the same information, but will not give me information to remedy this issue. They have taken checks over the phone from me in the amount of nearly {$400.00} and still harass me by phone and inundate me with form statements that will not disclose the problem nor a solution. At this point, I am under duress and feel harassed by this institution. I feel that they are trying to take my house by confusion and chaos. I have evidence that XXXX is not being truthful about changes to the escrow items. They tried to say that there was some assessment done and I am not privileged to such information, determination or results. I just have an added cost to my mortgage of nearly {$100.00} per month. The mortgage is on {$42000.00} and the payment is {$600.00} per month. How could that be with a fixed rate? XXXX is doing what they have done in the past with consumers. Taking!

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 2025-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: January Technologies, Inc
State: TX

Complaint narrative:
Request for Cease and Desist of Collection Communications

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 2025-03-13 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX To : Transunion XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of late payments reporting request for verification and removal of inaccurate information.

According to FCRA ( 15 USC 1681-2b ) ( 15 USC 1666b ) ( 15 USC 1666I ) ( 15 USC 1681bf ) ( 15 USC 1681n ) ( 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  Can you provide evidence that these late payments were late, including the due date, the date the payment was received, and the terms of the agreement regarding the late payments. Can you confirm the exact amount that was late and how it was calculated I have identified discrepancies in the reported dates, and unless you can provide verifiable proof that the payment was late, I demand that the incorrect information be immediately removed from my credit report as required by ( 15 USC 1681 s-2 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX To : Transunion XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of late payments reporting request for verification and removal of inaccurate information.

According to FCRA ( 15 USC 1681-2b ) ( 15 USC 1666b ) ( 15 USC 1666I ) ( 15 USC 1681bf ) ( 15 USC 1681n ) ( 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  Can you provide evidence that these late payments were late, including the due date, the date the payment was received, and the terms of the agreement regarding the late payments. Can you confirm the exact amount that was late and how it was calculated I have identified discrepancies in the reported dates, and unless you can provide verifiable proof that the payment was late, I demand that the incorrect information be immediately removed from my credit report as required by ( 15 USC 1681 s-2 )

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 2025-03-13 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: CA

Complaint narrative:
I am writing once again to follow up on my previous dispute regarding inaccuracies in my credit report. I previously submitted a dispute regarding the account listed below and have not yet received a satisfactory resolution : Despite my initial request for correction and reinvestigation, I have yet to receive confirmation that these inaccuracies have been addressed. As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) to an accurate and fair credit report. Therefore, I am requesting an immediate reinvestigation and resolution of this matter. 

Additionally, I formally request the following : 1.Confirmation of the corrections made to the disputed item. 

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the FCRA.

3.A detailed written response outlining the results of your investigation and the actions taken to resolve the inaccuracies. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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: TX

Complaint narrative:
I have been making on-time payments on a credit card that I just recently received and with on-time payments and opening a new credit account. Both of my credit scores have dropped almost XXXX points. Trans Union and XXXX. I have contacted them via XXXX XXXX and they will not fix my account they keep reporting bad credit when I am making on-time payments and showing all on-time payments or early payments the same with my rent Trans Union and XXXX has dropped my credit score. Every time it has risen above a XXXX by allowing collection agencies and third parties to continuously report on my account for more than 10 years once I have these removed or I have my credit fixed they allow these companies to resubmit and ruin my credit even further after 14 years it is impossible to raise my credit scores because of the fraudulent activities between XXXX XXXX, Trans Union and XXXX and I believe XXXX as well. I have contacted every company and yet nothing changes. Yes I had bad credit in the past but in the past five years I have been working on trying to make my credit better and not once have I gotten over a XXXX I believe that all of these entities are fraudulently reporting my account because they are getting paid to do so. I also believe they are trying to conform with XXXXXXXX XXXX  credit scoring system. I also believe that all of these third-party agencies and collection agencies are paying Trans Union XXXX and XXXX to keep my credit low no matter how hard I work on raising it now Im appealing to you in hopes that you may be able to help. I have screenshots of these activities. And if you can not solve this matter, then I will be forced to expose all of these actions that hinder my life and my financial future, and I will do so in a court of law and through the media.

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 2025-03-13 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: IL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate and/or unverifiable information that is currently being reported on my credit file under the Fair Credit Reporting Act ( FCRA ) and the Metro 2 guidelines set forth by the Consumer Data Industry Association ( CDIA ). 

The following account ( s ) contain inaccurate or unverifiable information and require a thorough compliance review under Metro 2 standards : Creditor Name : XXXX XXXX  Disputed Item : late payment and inaccuracy According to Metro 2 guidelines, data furnishers must ensure that all reporting is accurate, complete, timely, and compliant with the reporting format required by the credit bureaus. I request that you : Conduct a Metro 2 compliance verification audit on the reported item ( XXXX ). 
Provide documentation proving that the data was reported in full compliance with Metro 2 standards. 
Delete or correct the inaccurate or unverifiable information if it does not meet compliance requirements. 
Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), you are required to complete your investigation within 30 days. If the disputed information can not be verified in full compliance with Metro 2 standards, it must be deleted from my credit file. 

Please send me a written response confirming your findings and any actions taken regarding this dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681 C-2 ) that you Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 days of you receiving this complaint. This fraudulent, inaccurate and false information consist of person credit card accounts opened at XXXX XXXX on XX/XX/XXXX under account # XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX under account # XXXX, XXXX XXXXXXXX XXXX on XX/XX/XXXX under Account # XXXX, XXXX XXXX on XX/XX/XXXX under account # XXXX and XXXX XXXX XXXX XXXX on XX/XX/XXXX under account # XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit reports. Ive attached a list of the hard inquiries in question as well as a copy of the items. I do not recognize the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of identity thefts criminal complaint # XXXX and proof from the US Federal Commission that all of the aforementioned consumer credit 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 non-monetary relief
Consumer complaint received 2025-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: I.C. System, Inc.
State: TX

Complaint narrative:
Request for Cease and Desist of Collection Communications

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 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
these accounts do not belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BALANCE {$240.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX BALANCE {$460.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BALANCE {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX BALANCE {$17000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX BALANCE {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX BALANCE {$170.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
these accounts do not belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BALANCE {$240.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX BALANCE {$460.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BALANCE {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX BALANCE {$17000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX BALANCE {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX BALANCE {$170.00}

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 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
XXXX XXXX and the Department of Government Efficiency otherwise called DOGE illegally was given access to my personal information by the Department of Education. I ask the CFPB to investigate this matter with the credit reporting agencies and the student loan servicing provider XXXX for illegally misusing my personal data.

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 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute several hard inquiries listed on my credit report. I have reviewed my credit report and noticed that there are inquiries that I believe were made without my consent or were made incorrectly. Specifically, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX I did not authorize this hard inquiry, nor was I notified in advance of it. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate information on my credit report, including unauthorized hard inquiries. These inquiries have negatively impacted my credit score, and I request that they be removed immediately. 

In addition, according to 15 U.S.C. 1681b, a hard inquiry may only be made if I have given express permission for it. In this case, I did not grant permission for the inquiries listed on my credit report, and they appear to have been reported in error. 

I am requesting that the companies involved review the inquiries in question and remove them from my credit report if they can not provide proof that they were authorized by 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 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 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