vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-28 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: OH

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: OH

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have sent multiple complaints through CFPB and FTC but I don't see why these negative accounts, which I didn't authorize are still on my credit report when I have done my part. I've checked this and reached out to the creditors that I am not aware of and have no knowledge of this.

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 2025-02-28 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:
Please remove and block the unauthorized accounts from my credit report as soon as possible. I did not open or approve these accounts and have no knowledge of their origins. In compliance with USC 1681g, I am formally requesting their removal within 15 days. Enclosed are the necessary documents for your review and reference.

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 2025-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
I previously filed a complaint for NewRez Mortgage in regards to an assumption I started XX/XX/XXXX with a deadline for XX/XX/XXXX. There communication and expectations for assumption were not clear, delaying my closing and costing me {$XXXX} to go to court for signatures on a quit claim deed and deadline extension. NewRez stated it would take XXXX weeks to close and made mistakes, causing me to close XXXX, past the deadline of XX/XX/XXXX. They responded to my previous complaint saying the issue was resolved and it is not. 

NewRez stated they were unable to schedule my closing after the deadline ( XX/XX/XXXX ), however I was able to schedule a closing with them on XXXX. My closing check was cashed, paperwork signed with a lawyer and the quit claim deed ( signed by my ex husband ) was filed with XXXX XXXX. I called mid XXXX to inquire about why payments were being taken from my account, as there was a discrepancy between what my new payment/due date ( XXXX ) and what was being withdrawn and my ex husband still has access to the account information. Their customer service line had no indication that I completed an assumption. Upon further investigation, I was told that it was a " new policy '' that I needed my ex husbands signature for release of liability. This requirement was not disclosed prior and I had to go to court to obtain his signature on the quit claim deed as well as already having his signature for authorization in XXXX of XXXX. After making my phone call, I received a call from NewRez asking my ex husbands name and phone number to call for a signature. To me this indicated that after causing a huge delay, costing me thousands of dollars, NewRez didn't even take the steps to finalize my assumption or notify me of any issues. I send a follow up email on XX/XX/XXXX and still have not received a response.

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 2025-02-28 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:
Upon reviewing my consumer reports, I discovered some instances of late payments on my auto loan account western funding. which I have always maintained timely payments. Consumer Reporting Agencies Play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy.i have never missed a payment on the following account. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect my true status as on time, as I have consistently upheld my payment obligations without delay.

According to 15 U.S. Code statute 1681e compliance Procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedure to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2025-02-28 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: NV

Complaint narrative:
Summary of Violations Committed by Equifax Unauthorized Furnishing of My Consumer Report ( 15 U.S.C. 1681b ) Equifax illegally shared my credit file without my explicit written instruction or permission, violating federal law.

No lawful purpose was established for reporting or distributing my information, which constitutes an unlawful breach of my privacy rights.

Failure to Ensure Maximum Possible Accuracy ( 15 U.S.C. 1681e ( b ) ) Equifax continues to report inaccurate, incomplete, and unverifiable information that is damaging my creditworthiness.

The company has failed to provide any meaningful method of verification, opting instead to parrot data furnishers without proper investigation.

Negligence and Lack of Proper Reinvestigation Procedures ( 15 U.S.C. 1681i ( a ) ( 7 ) ) I submitted a dispute under Credit File Confirmation # XXXX on XX/XX/XXXX, demanding verification of certain accounts. 
Instead of conducting an independent and thorough reinvestigation, Equifax relied on unverifiable data from third-party furnishers. 
XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX Cir. XXXX ) sets a precedent that merely parroting furnishers is not a valid reinvestigation, yet Equifax continues to ignore this legal standard. 
Compromised Data Integrity Due to XXXX Equifax XXXX XXXX ( Engagement # XXXX ) Equifax has already confirmed that my personal data was exposed in its XX/XX/XXXX data breach, Engagement Number XXXX. 
Despite this breach, Equifax has failed to take the necessary precautions to prevent the misuse and unauthorized distribution of my information. 
Given this history, Equifax 's lack of proper data safeguards directly impacts the reliability and accuracy of my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 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: FL

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX 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 a 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 XXXX years. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 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: TX

Complaint narrative:
TransUnion and Equifax are reporting an account from XXXX 's with account number XXXX, which should have been removed after it was satisfied with the creditor. I have attached all relevant documentation, including XXXX correspondence letter, the CFPB response from XXXX, email confirmation that no record of this account was found, and proof of XXXX current XXXX  filing, which prevents them from validating this information. Given that XXXX has already removed this account from my credit report, I am requesting its immediate deletion from yours as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
On XX/XX/XXXX, my mother made an international transfer from XXXX XXXX XXXX to my account at XXXX Bank. I didn't know that my account had been canceled since XXXX of last year, so the money wasn't delivered. We started an investigation and XXXX XXXX XXXX got an XXXX  XXXX from Citi Bank in New York. Citi Bank proved it sent the money to XXXX Bank. I opened another investigation at XXXX Bank and XXXX Bank gave a code indicating that the money was tried to be sent and was returned. XXXX XXXX XXXX claims it doesn't have the money, so Citi Bank is the only bank that may have the money

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 2025-02-28 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: IN

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: IN

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 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: MI

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
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 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 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 explanation
Consumer complaint received 2025-02-28 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: TX

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax The following accounts are not mine, nor have I ever opened or applied for the accounts. They are Identity Theft accounts and under section 1681c2. Block of information resulting from identity theft of the FCRA ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer.

( 2 ) A copy of an identity theft report.

( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

They must be removed and blocked XXXX. XXXX  XXXX account number XXXX opened XX/XX/XXXX XXXX. XXXX XXXX  account number XXXX opened XX/XX/XXXX XXXX. XXXX XXXX XXXX  account number XXXX, XXXX XX/XX/XXXX XXXX. XXXX  XXXX  XXXX account number XXXX Opened XX/XX/XXXX XXXX XXXX XXXX XXXX account number XXXX opened XX/XX/XXXX XXXX. XXXX XXXX account number XXXX opened XX/XX/XXXX I have never lived at the following address, and this address was added to my credit report under fraud accounts and must be removed XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX the FTC and the FCRA Equifax Must provide me with full information on how the invested the accounts and just calling or getting a respond from the alleged creditor is not sufficient to state that the accounts are mine they must conduct an independent investigation and prove to me with how it was done and the results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 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: CA

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

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


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 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: TN

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
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 2025-02-28 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: NY

Complaint narrative:
I have sent multiple complaints through CFPB and FTC but I don't see why these negative accounts, which I didn't authorize are still on my credit report when I have done my part. I've checked this and reached out to the creditors that I am not aware of and have no knowledge of this.

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 2025-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I dont owe this company anything they are fraudulently putting this on my credit as being open

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
A fraudulent account on my credit report I have not opened is still on my 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