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: 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: FL

Complaint narrative:
I am writing to formally file a complaint against Experian for failing to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) regarding a reinvestigation of disputed information on my credit report. Despite my dispute regarding inaccurate or unverifiable accounts, Experian has failed to conduct a reasonable reinvestigation, leaving the erroneous information unresolved. 

I initially disputed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX by Dispute online, phone, and certified mail. Under the FCRA, Experian is required to conduct a reasonable reinvestigation within 30 days and remove or correct any information that can not be verified. However, Experian has either failed to investigate properly or has continued to report inaccurate information despite a lack of proper verification. 

Despite calling to verify my identity and confirming that I am the one making these disputes, Experian continues to close my disputes without conducting a proper reinvestigation. This repeated failure to address my concerns has further delayed the resolution of these inaccuracies and has caused undue hardship. 

The continued presence of these inaccuracies on my credit report is causing me financial harm. I have made multiple attempts to resolve this matter directly with Experian, but my concerns remain unaddressed. 

I am requesting the CFPB to take immediate action to ensure that Experian complies with its legal obligations, including : Conducting a reasonable reinvestigation of the disputed accounts, Removing or correcting any unverifiable or inaccurate information, Providing me with an updated copy of my credit report reflecting these corrections. 

I have attached copies of my dispute letters, Experians responses, and any supporting documentation that demonstrates my claims. 

I appreciate your prompt attention to this matter and look forward to your response. Please contact me at your earliest convenience 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 explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I request the original documentation from XXXX XXXX that is reporting on my credit report in the month of XX/XX/year>. They were not able to provide documentation because the debt and identity did not match to the debt or account information. Under 15 USC 1681e ( B ) they did not report my consumer report with accuracy. They have also violated 15 USC 1681 ( A ) ( 4 ) because you DID NOT report my consumer report with fairness, impartiality, and respect. In fact, you were biased with the instructions that I gave you and decided to do things your way by bullying me and forcing me to accept what you deem verified.

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: Experian Information Solutions Inc.
State: IL

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 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: IL

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 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I am asking for your help in investigating accounts where companies have inaccurately reported late payments. After reviewing my credit report, I noticed errors in certain accounts, as they should not have any late payment records. Please look into this matter.

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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of this. I'm gon na go to court.

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: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
My mortgage was transferred to Mr. Cooper for mortgage servicing beginning on XXXX XXXX, XXXX. My original servicer was XXXX XXXX. According to my final statement on XX/XX/XXXX with XXXX XXXX, my principal balance was {$460000.00}. My last payment, as shown on this statement, was {$3800.00} on XX/XX/XXXX, with {$1000.00} of that payment being extra, paid directly to the principal balance. Upon setup of my Mr. Cooper account, the balance showed as {$460000.00}. The transaction history from XXXX XXXX provided by Mr. Cooper showed my extra {$1000.00} payment to principal being applied on XX/XX/XXXX, then being removed and disappearing from the ledger on XX/XX/XXXX and XX/XX/XXXX, with no explanation. 

In addition, the final escrow statement provided by XXXX XXXX on XX/XX/XXXX showed my escrow balance as {$3800.00}, as of XX/XX/XXXX. However, in the Mr. Cooper portal, my escrow balance originally appeared as {$1600.00} ( also shown at the beginning of the transaction history document attached ), with no explanation of the change or record of any disbursement from XXXX XXXX. Mr. Cooper shows escrow overage disbursements of - {$280.00} and- {$760.00} ( neither of which have been received by me as of yet ), a county tax " deposit '' adding + {$760.00}, an MI disbursement of - {$100.00}, and a county tax " disbursement '' of - {$760.00}, which, along with my payment to escrow of + {$290.00} on XX/XX/XXXX, should result in a balance of {$3000.00}. The current balance, however, shows {$820.00}. This is a shortage of {$2100.00}, with no explanation of where that money has gone. However, this difference is exactly the amount of the discrepancy between my final escrow statement from XXXX XXXX and the initial balance appearing in Mr. Cooper 's records. 

I have requested clarification from both companies, and in a phone call on XX/XX/XXXX, XXXX XXXX verified the final amounts that I am claiming and said all management had transferred to Mr. Cooper, and to ask them about the discrepancy. In a phone call with Mr. Cooper on XX/XX/XXXX shortly after, they claimed they could not see the extra {$1000.00} paid to principal in XXXX. I provided my bank statement showing the original payment + {$1000.00} coming out of my account on XX/XX/XXXX. Mr. Cooper also claimed they could not verify the initial escrow balance of {$3800.00}, despite it clearly showing in my final statement from XXXX XXXX. XXXX XXXX also confirmed they do not have any record of escrow overage disbursements headed to me to explain the difference. 

Email requests sent to Mr. Cooper 's inbound research department have been returned as resolved, with no reference to my claims of what the principal and escrow balance should be. They simply repeat the refrain that their balances match their records.

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 — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
BY THE FAIR CREDIT REPORTING ACT, ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 SECTION 602 A. STATERS I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION XXXX : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

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: FL

Complaint narrative:
BY THE FAIR CREDIT REPORTING ACT, ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 SECTION 602 A. STATERS I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION XXXX : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

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 — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I am writing to formally dispute a charge-off listed on my credit report. Under my rights granted by the Fair Credit Reporting Act ( 15 U.S. Code 1681 ), the Fair Debt Collection Practices Act ( 15 U.S. Code 1692a ), and the Truth in Lending Act ( 15 U.S. Code 1635 ), I am requesting a thorough investigation into the validity of this charge-off.

Pursuant to 1681, any information reported must be accurate, verifiable, and fair. If the furnisher can not provide proper validation of this charge-off, it must be removed immediately. Additionally, under 1692a, any collection activities related to this account must comply with legal definitions and practices, and I demand proof that these were adhered to. Under 1635, I assert my right to dispute and rescind certain credit transactions if applicable.

I request a written response regarding the findings of this investigation and expect a resolution within the legally mandated timeframe. If this charge-off can not be fully validated in compliance with the law, I demand its immediate removal from my credit report.

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 — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I am writing to formally dispute a charge-off listed on my credit report. Under my rights granted by the Fair Credit Reporting Act ( 15 U.S. Code 1681 ), the Fair Debt Collection Practices Act ( 15 U.S. Code 1692a ), and the Truth in Lending Act ( 15 U.S. Code 1635 ), I am requesting a thorough investigation into the validity of this charge-off.

Pursuant to 1681, any information reported must be accurate, verifiable, and fair. If the furnisher can not provide proper validation of this charge-off, it must be removed immediately. Additionally, under 1692a, any collection activities related to this account must comply with legal definitions and practices, and I demand proof that these were adhered to. Under 1635, I assert my right to dispute and rescind certain credit transactions if applicable.

I request a written response regarding the findings of this investigation and expect a resolution within the legally mandated timeframe. If this charge-off can not be fully validated in compliance with the law, I demand its immediate removal from my credit report.

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 card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
My identity was stolen and someone had made multiple purchases on my card and created multiple credits card. 

I try to dispute the charges on the card but wells fargo did not want to return those money the said I was the one that authorized the charge, which I didn't authorized nothing, now the try to forced closed the account all of it happened between XX/XX/year> to XX/XX/year>

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 2025-03-07 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: FL

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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: FL

Complaint narrative:
TRANSUNION, According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying, for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately. 
Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX XXXX Unverified 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 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 — Credit inquiries on your report that you don't recognize
Company: U.S. BANCORP
State: NY

Complaint narrative:
On XX/XX/year>, a hard inquiry was placed on my credit report by US Bank. I did not authorize or request any transaction, credit application, or service with this institution at the time of the inquiry. No prior communication was made with me regarding this inquiry, and I did not take any action to initiate it. I am requesting that this hard inquiry be investigated and removed from my credit report as it was made without my consent.

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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-03-07 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-03-07 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: TX

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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: TX

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS

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