vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I reviewed a copy of my credit report from transunion XXXX and XXXX after being informed that I was a victim of the XXXX  data breach I noticed some accounts that I have no knowledge of these accounts are a result of that data breach I request that the following accounts be removed from my consumer credit report immediately XXXX  # XXXX XXXX  XXXX  # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX  # XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: TX

Complaint narrative:
Violation of Fair credit privacy act statement : 15 USC 1681 B ( A ) ( 1 ) ( 2 ). 15 USC 1681 A ( 2 ) ( B ) Letter was sent to remove all personal information from there data base which was obtained without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC
State: FL

Complaint narrative:
My home was designated in flood zone last year, i am not escrowed and i segured my own Flood insurance policy on XX/XX/XXXX and provided XXXX mortgage with the policy. I had to resumit due to an error in the mortgage clause. 
I later received a reimbursement of the policy premium without an explanation, I continued to pay my mortgage as usual and then for XXXX XXXX my mortgage paymet was increased without communication. When I called in I was told that it was a new procedure to escrow the new insurance coverage for a year and that I would be reimbursed at the end of the year if there is an escrow overrage. 
The flood policy was {$700.00} which I paid in full. {$200.00} x XXXX = {$2400.00} They are escrowing {$200.00} a month for 12 months which equals double what the premium us. This has never happened. 

I wish to keep paying upfront for my flood policy and be removed from the escrow as this is a burden to me on a monthly basis.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
my identity was stolen and had been stolen for a few years. Somebody had been putting XXXX XXXX bills in my name without my permission in the state of New York in XXXX, New York and also I believe in XXXX New York I lost some of my personal items in a move a few years ago and also lost a few of my daughters personal items and somebody has been using my identity to open up multiple accounts And these accounts are ending up on my credit report and I am not able to remove them. I have stated and provided proof that I did not reside at the residences provided for these accounts and also I have proof that I was not living in the state of New York when these purchases were being made I was in another state I did not give out my personal information. I did not give anybody permission to do any of that. I dont know if its because of the security breach that you guys have had in your system were over XXXX XXXX peoples information was leaked, but I have been trying to get these things off of my credit report for years. I refuse to pay something that I did not have any knowledge of or pay any account accounts that I did not open.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: NC

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 non-monetary relief
Consumer complaint received 2025-02-19 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: NC

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 explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: GA

Complaint narrative:
The XXXXXXXX XXXX XXXX XXXX XXXX which owns for-profit institutions including XXXX XXXX XXXX, in XXXX announced the closure of XXXX of the XXXXXXXX XXXX XXXXXXXX XXXX across the country over the next few years, including the XXXX XXXX  was involved in a lawsuit settlement to have all loan forgiveness in XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: NY

Complaint narrative:
I am requesting the removal of fraudulent accounts on my credit report. These accounts were opened without my knowledge or consent, and I have already provided Experian with the necessary documentation to prove that they are fraudulent. Despite this, Experian has refused to act accordingly and remove these accounts from my credit report. 

Background : The fraudulent accounts were opened under my name without my authorization. 
I initiated a dispute with Experian to have these accounts removed, but they closed the dispute without taking proper action. They stated that they could not proceed due to not having a copy of my credit report. 
However, I did not receive clear instructions on how to request the credit report copy, and they made no effort to request this information as they had previously done with my Social Security card when verifying my identity. 
This lack of proper dispute handling is a violation of Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act, which states that if information on my credit report is disputed, the reporting agency must investigate and remove the fraudulent accounts if they can not be verified. 
Documents Provided : A copy of my identity theft affidavit detailing the fraud. 
Copies of any other documents Ive submitted to support my claim, including my Social Security card and any relevant correspondence with Experian. 
Issue : Experian failed to meet the requirements of the FCRA by refusing to properly investigate and remove the fraudulent accounts from my credit report. This has led to a negative impact on my credit score and overall financial well-being. 

Requested Resolution : I request that Experian immediately : Investigate and remove the fraudulent accounts from my credit report as mandated by Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act.

Provide me with a confirmation that the accounts have been removed and my credit report has been updated accordingly. 
Provide me with an explanation as to why my dispute was closed without proper investigation, and the steps they will take to ensure that this does not happen again in the future. 
Please take appropriate action in accordance with the law and the evidence I have provided. 

If you have any further information or questions, please do not hesitate to contact me. I expect a timely resolution to this matter. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> 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 2025-02-19 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: NY

Complaint narrative:
I am requesting the removal of fraudulent accounts on my credit report. These accounts were opened without my knowledge or consent, and I have already provided Experian with the necessary documentation to prove that they are fraudulent. Despite this, Experian has refused to act accordingly and remove these accounts from my credit report. 

Background : The fraudulent accounts were opened under my name without my authorization. 
I initiated a dispute with Experian to have these accounts removed, but they closed the dispute without taking proper action. They stated that they could not proceed due to not having a copy of my credit report. 
However, I did not receive clear instructions on how to request the credit report copy, and they made no effort to request this information as they had previously done with my Social Security card when verifying my identity. 
This lack of proper dispute handling is a violation of Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act, which states that if information on my credit report is disputed, the reporting agency must investigate and remove the fraudulent accounts if they can not be verified. 
Documents Provided : A copy of my identity theft affidavit detailing the fraud. 
Copies of any other documents Ive submitted to support my claim, including my Social Security card and any relevant correspondence with Experian. 
Issue : Experian failed to meet the requirements of the FCRA by refusing to properly investigate and remove the fraudulent accounts from my credit report. This has led to a negative impact on my credit score and overall financial well-being. 

Requested Resolution : I request that Experian immediately : Investigate and remove the fraudulent accounts from my credit report as mandated by Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act.

Provide me with a confirmation that the accounts have been removed and my credit report has been updated accordingly. 
Provide me with an explanation as to why my dispute was closed without proper investigation, and the steps they will take to ensure that this does not happen again in the future. 
Please take appropriate action in accordance with the law and the evidence I have provided. 

If you have any further information or questions, please do not hesitate to contact me. I expect a timely resolution to this matter. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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: WA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-02-19 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: MI

Complaint narrative:
please update/validate these item that i request to from the past months and still reporting on wrong on my report, i already comply all the needed detail

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.
State: FL

Complaint narrative:
On XX/XX/year> I made a transfer with Remitly initially it was supposed to take XXXX to 7 days. It is now been 22 days and I have not received my refund as requested. Initially, they told me that there was a hold due and further information was required and documents for the transfer which we provided though email at XXXX, several days later they delayed again to tell us that the money was now being held up at the transfer bank because of the cancellation we had requested after waiting roughly 2 weeks. 22 days and still not receiving our money they are telling me that it is with my receiving bank and they have sent out emails and are unable to get the funds returned to to me because it is with the my bank and they are not getting any responses from the receding bank, however my receving bank does not have a record of this transaction. I have contacted them a number of times as I am also the recipient and there is no record of a transfer .I ..... It has been 22 days since the initial transfer and over 11 days that we requested a cancellation and we still do not have the refund of {$25000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I discovered multiple credit accounts placed on my credit through Experian ( XXXX an XXXX are not at issue ). I disputed all the fraudulent information ( including a name that is not mine ), and put not only a freeze on my credit, but a fraud alert on it so supposedly companies must call to get verification before issuing credit. Nearly all the disputes were taken off my credit but one. The name being used to obtain fraudulent credit has not been removed. As of today, two new credit accounts have been fraudulently opened using my information and are in collections. Experian clearly is not doing anything to correct this problem and my credit is suffering

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 2025-02-19 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XX/XX/year> XXXX  -- - UNAUTHORIZED INQUIRY 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish any account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please remove and block. 
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask that they be removed. You must take immediate action to delete this false information from my files.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: ME

Complaint narrative:
My mortgage was recently sold from XXXX XXXX to Mr. Cooper. For 14 years my mortgage has been paid bi-weekly using auto pay with not one late payment. I tried to set this same arrangement up with Mr. Cooper and was told via chat that I can not do that unless I pay one month in advance - essentially doubling my mortgage payment for one month for the privilege of paying bi-weekly. I have been trying to reach a human being on the phone for over an hour and can not. Their auto attendant is basically a loop preventing access to a live representative. Essentially, my mortgage is already paid MONTHS in advance because I have been doing it this way all along. They should have to keep the payment terms when purchasing the mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided
permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity t
heft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and XXXX data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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