vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-07 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: NE

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional 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 non-monetary relief
Consumer complaint received 2025-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
Portfolio Recovery is attempting to collect a debt on behalf of XXXX XXXX. I have repeatedly asked them to stop contacting me, and they continue to call at all hours of the day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: CO

Complaint narrative:
Subject : Formal Complaint Regarding Inaccurate Credit Reporting Due to Bank Error I am writing to file a formal complaint against XXXXXXXX XXXX  Home Mortgage for an inaccurate report on my mortgage account, which has caused significant damage to my credit score. The bank incorrectly reported my mortgage status as " 60 Days Late. '' The late payment status was due to an error by XXXX XXXX 

I have already contacted XXXX XXXX  multiple times regarding this inaccurate entry from my credit report, as it violates my rights under the Fair Credit Reporting Act ( FCRA ). The bank has acknowledged that this is their error, not my fault, and have asked for the status to be corrected. Despite my efforts, the bank has not taken prompt action to correct the error, this has resulted in a XXXX drop in my credit score. 

I am seeking the following resolution : 1-Immediate removal of the " 60 Days Late '' status from my credit report completely. 
XXXXCorrection of my credit report to reflect the accurate status of my mortgage account, including any negative impact the error may have caused.

3- Full restoration of my credit score by having the correct, on-time payment history reflected across all three credit bureaus ( XXXX, Experian XXXX and XXXX ) XXXXConfirmation in writing that the correction has been made. 

If this issue is not resolved promptly, I am prepared to take additional steps, including pursuing legal action and filing complaints with other regulatory authorities.

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 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Subject : Formal Complaint Regarding Inaccurate Credit Reporting Due to Bank Error I am writing to file a formal complaint against XXXX XXXX  XXXX Mortgage for an inaccurate report on my mortgage account, which has caused significant damage to my credit score. The bank incorrectly reported my mortgage status as " 60 Days Late. '' The late payment status was due to an error by XXXX XXXX 

I have already contacted XXXX XXXX  multiple times regarding this inaccurate entry from my credit report, as it violates my rights under the Fair Credit Reporting Act ( FCRA ). The bank has acknowledged that this is their error, not my fault, and have asked for the status to be corrected. Despite my efforts, the bank has not taken prompt action to correct the error, this has resulted in a XXXX drop in my credit score. 

I am seeking the following resolution : XXXXImmediate removal of the " 60 Days Late '' status from my credit report completely. 
XXXXCorrection of my credit report to reflect the accurate status of my mortgage account, including any negative impact the error may have caused. 
XXXX Full restoration of my credit score by having the correct, on-time payment history reflected across all three credit bureaus ( Equifax, XXXX XXXX and XXXX ) XXXXConfirmation in writing that the correction has been made. 

If this issue is not resolved promptly, I am prepared to take additional steps, including pursuing legal action and filing complaints with other regulatory authorities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Subject : Formal Complaint Regarding Inaccurate Credit Reporting Due to Bank Error I am writing to file a formal complaint against XXXX XXXX Home Mortgage for an inaccurate report on my mortgage account, which has caused significant damage to my credit score. The bank incorrectly reported my mortgage status as " 60 Days Late. '' The late payment status was due to an error by XXXX XXXX 

I have already contacted XXXX XXXX  multiple times regarding this inaccurate entry from my credit report, as it violates my rights under the Fair Credit Reporting Act ( FCRA ). The bank has acknowledged that this is their error, not my fault, and have asked for the status to be corrected. Despite my efforts, the bank has not taken prompt action to correct the error, this has resulted in a XXXX drop in my credit score. 

I am seeking the following resolution : XXXXImmediate removal of the " 60 Days Late '' status from my credit report completely. 
XXXX-Correction of my credit report to reflect the accurate status of my mortgage account, including any negative impact the error may have caused.

3- Full restoration of my credit score by having the correct, on-time payment history reflected across all three credit bureaus ( XXXX, XXXX XXXX and TransUnion ) XXXXConfirmation in writing that the correction has been made. 

If this issue is not resolved promptly, I am prepared to take additional steps, including pursuing legal action and filing complaints with other regulatory authorities.

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 2025-03-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: FL

Complaint narrative:
A serious dilemma was taking progress and explained but totally overlooked and in strong demand of only money instead investigating the matter. Continuity of hard inquiries were applied to my account after contacting the direct resources and still they are in demand of payments in which were sent to collectors who in which i still keep in contact to strive to make their demand and poor decisions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/year> UNAUTHORIZED INQUIRIES : XXXXXXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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 2025-03-07 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:
Recently I looked at my credit file and found info that can't be verified and info that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are a result of Identity theft and Trafficking! Please take action and remove them from my credit report asap! 

Account Name : XXXX XXXX XXXX XXXX # XXXXXXXX XXXX  Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened 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 2025-03-07 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX  - Date Opened XX/XX/year> Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/year> Account Name : XXXX XXXX # XXXX XXXX Date Opened XX/XX/year> UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all 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 explanation
Consumer complaint received 2025-03-07 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: TX

Complaint narrative:
I would like to file a complaint against the three bureaus regarding the negative items on my credit report. These negative items on my credit report are severely affecting me. I would like to request that these negative items be removed from my credit report and made positive. If the three bureaus do not take action, I am prepared to file a lawsuit against them and demand appropriate compensation. According to our laws, I have the right to complain and file a case against them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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: IN

Complaint narrative:
Im absolutely frustrated to find that a tradeline on my credit report is not reported with the maximum possible accuracy. This is a serious issue, and its completely unacceptable that my credit is being impacted by incorrect or incomplete 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 non-monetary relief
Consumer complaint received 2025-03-07 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Payments were late because of covid. refinanced mortgage was told that late payments were going to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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:
Payments were late because of covid. refinanced mortgage was told that late payments were going 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 explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I Have sent multiple dispute letters to Transunion, Regarding inaccurate information on my credit report. Despite providing evidence, Transunion has failed to comply with their legal obligation under the Fair Credit Reporting Act ( FCRA ). Specifically : -15 USC 1681e ( b ) : Transunion has not ensured the maximum possible accuracy of the information in my credit file. -15 USC 1681s-2 : Transunion has continued to report inaccurate information after provided notice of dispute. -15 USC 1681i ( 5 ) : Transunion has reinvestigated and reinserted dispute item without notifying me, as required by law. -15 USC 1681c ( c ) : Transunion has reported obsolete information that should have been from my credit report. Recently, I Became aware of the lawsuit filed by the CFPB against Transunion on XX/XX/year> titled CFPB Sues for Sham Investigations of Credit Report Errors. According to the CFPB, Transunion has failed to conduct proper investigation and has even reinserted errors on credit reports, which aligns with the issue Ive been facing. Transunion failure to comply with these laws has caused harm to my credit, employment, and housing opportunities.

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 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: TX

Complaint narrative:
Today on Friday this morning I had called about a incoming transfer which the first associate did verify by giving me the amount and the bank it was from she said that I would have to wait an additional XXXX to 5 days for my deposit he was an ACH deposit I said there's nothing in your policy that states I have to wait an additional 3 to 5 days for my deposit in fact it says the otherwise I can get it earlier which is why I agree to it he said it's in the policy I said it's not in the policy I can't find it you want to speak to a supervisor it was then I was put on hold for 30 minutes and then hung up on I called back the next person was very combative denied the fact that there was a deposit and then when asked to speak with supervisor they told me that they don't handle calls like this and that they're too busy I said I need to speak to a supervisor she put me on hold for 30 minutes and then the phone hung up or they hung up with a call call the third time although they did confirm and verified the deposit they would not allow me speak to a supervisor and hung up the call the 4th time I spoke to a supervisor after being put on hold for 20 minutes when the supervisor did show up she had to very unprofessional attitude we're not allow me to speak did not hear what I was trying to say then she denied the fact that there was a deposit or transfer I said the two people verified it she said I don't care what they said and she kept and would not let me continue to speak or address my concerns that she kept talking and I said I do have another concern she kept talking and hung up the phone this is actually pretty common with chime every time I dealt with them they either hang up the call or do not allow you speak to a supervisor and do not get out clear answers to the consumer and when asked for a clear and concise answer they either hang up the phone this is supposed to be a banking institution of financial institution in there policies and procedures problem with

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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:
Im writing to urgently address a fraudulent account that has appeared on my credit report. This account was opened without my authorization, and its the result of identity theft. I have not opened this account, and I am incredibly concerned about the impact this is having on my 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