vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Complaint Title : Dispute and Request for Update of Personal Information I am submitting this complaint against EQUIFAX regarding inaccuracies in my personal information as reported in my credit report.

Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX, but it is incorrectly listed as [ Incorrect Name ] on my credit report. I request that my name be updated to reflect the correct information.

2. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, while my credit report shows an outdated address. I request that my current address be updated accordingly.

Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name.

A recent utility bill or bank statement showing my current address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Complaint Title : Dispute and Request for Update of Personal Information I am submitting this complaint against EQUIFAX regarding inaccuracies in my personal information as reported in my credit report.

Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX, but it is incorrectly listed as [ Incorrect Name ] on my credit report. I request that my name be updated to reflect the correct information.

2. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, while my credit report shows an outdated address. I request that my current address be updated accordingly.

Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name.

A recent utility bill or bank statement showing my current address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 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: TX

Complaint narrative:
I have submitted several dispute complaints to TransUnion regarding multiple accounts that are being listed as either late or balance is incorrect on my credit report and they refuse to make changes, provide updated balances, provide proof that they tried to contact creditors.

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 2025-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I had my tax returned deposited into my chase account on XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX I had made a few purchases and the morning of XX/XX/XXXX I went to check my balance and I couldnt access my online account. I called the bank and they advised me my account was closed and they no longer could have a banking relationship with me. They advised they dont have to give a reason and they have almost {$5000.00} of my money and told me if anything is available I will receive it in a check at minimum in XXXX days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding Ally Financials reporting of a charge-off on my credit report. I am disputing the accuracy and fairness of this reporting and request an immediate investigation and removal.

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, furnishers of credit information are required to provide accurate, complete, and verifiable data to the credit bureaus. If Ally Financial can not provide documented proof validating the balance, charge-off status, and accuracy of the information being reported, it must be deleted immediately per FCRA 1681s-2 ( b ).

Additionally, I am requesting verification that Ally Financial followed the proper procedures before charging off this account. If this charge-off includes unlawful fees, misapplied payments, or improper collection practices, it may be in violation of the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 and other consumer protection laws.

I demand : 1. Full validation of the debt, including a breakdown of the balance, charge-off date, and payment history.

2. Proof that Ally Financial complied with all legal requirements before reporting this charge-off.

3. If Ally Financial can not provide full validation, this charge-off must be removed from my credit report immediately. 

Please provide a response within the legally required timeframe. Thank you for your prompt attention to this matter. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: CA

Complaint narrative:
This is my third formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation.

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 2025-02-23 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: CA

Complaint narrative:
This is my third formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation.

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 2025-02-23 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: VA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX TransUnion & EQUIFAX Subject : formal dispute regarding inaccurate information on my credit report.

I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law.

Recently, the Consumer Financial Protection Bureau filed a lawsuit against XXXX for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.

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 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have been trying for almost two weeks to fix a problem so that I can log in to my online account with Transunion credit bureau. I have called them 4 or 5 times. They reset my account each time which lets me login. However, the next time I attempt to login the account is locked again. I get an email from them saying they are unable to validate my account. I have been escalated to a supervisor who assured me that the problem was fixed. It was not. I had the same issue with the account being locked. I went through the process again and finally had another callback from a supervisor who said that they could not fix the problem and someone from " maintenance '' would call me within 2 days. That was 5 days ago and have received no communication from them. I have spent 5-6 hours on the phone on hold or trying their " fixes '' during the past 2 weeks. I need to be able to manage a freeze on my account and get my credit report. By the way, now my wife 's account is locked up also. Transunion 's customer help is beyond bad. It is some of the worst I have ever experienced.

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 2025-02-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ALLIANT CREDIT UNION
State: GA

Complaint narrative:
My wife and I never received our 1099R forms from Alliant Credit Union We were told that they were mailed out on XX/XX/year> We never got them - i doubt both forms were lost in the mail I have talked to 3 customer service reps and sent 5 emails to try to resolve this All i'm getting is a run around I can't do my taxes without this info Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
A Bank OF America credit card was opened in my name the date of XXXX I am a victim of Identity Theft

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 2025-02-23 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: PA

Complaint narrative:
On XXXXsomeone opened a credit card with XXXX XXXX XXXX in my name , leaving a balance of {$820.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: PA

Complaint narrative:
On XXXXsomeone opened a credit card with XXXX XXXX XXXX in my name , leaving a balance of {$820.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: MS

Complaint narrative:
I have made several dispute to Experian, Equifax and Transunion and requested that they send me information on how my account was investigated. My identify has been stolen a police report was sent to the three bureaus and they have not sent me any information was investigated. I have so inaccuracies on my report. I never lived in Colorado and yet I have an address on my report saying I lived there. Some accounts on my report is not mine and I have requested they be removed and investigated but it has not.

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 2025-02-23 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: NC

Complaint narrative:
Experian as failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved, the consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against a spirit? Esperien alleging systematic issues such as failure to forward consumer provided evidence to furnishing unreliable responses and failing to adequately notify consumers of disputed outcomes these failures align with my experience with experience has neither corrected nor remove disputed items. Despite the evidence I have provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experien inaction violates federal law and my rights as a consumer.

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 2025-02-23 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: VA

Complaint narrative:
I had tried to get Transunion to remove fraud inquiries from my report and they refuse. They are reporting to the CFPB that sent me a letter but I never get anything from them I want inquiries from 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 2025-02-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: TN

Complaint narrative:
I have student loans through Nelnet, which are currently under the SAVE plan and in forbearance requiring no payments or accrual of interest. However, Nelnet has applied unpaid interest to my loans for the time they were in forbearance for a total of {$940.00} and have expressed that they are knowingly doing this to all borrowers under SAVE despite the court rulings, until the Department of Education tells them otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: VA

Complaint narrative:
Transunion is an violation of the Fair Credit Reporting Act ( FCRA ) for failure to properly investigate the inaccurate information on my credit report Account Name : 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 2025-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc.
State: LA

Complaint narrative:
I received a written debt collection of {$32.00}, I don't know what this is for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 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: FL

Complaint narrative:
I am filing a formal complaint regarding inaccurate and unverified derogatory accounts and unauthorized inquiries on my credit report. Despite multiple dispute letters sent to the credit bureaus on XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, they have failed to comply with federal laws requiring verification or removal of these items. 
Disputed Accounts : * XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts remain on my report despite my repeated requests for verification under FCRA 609 ( 15 U.S.C. 1681g ), which grants me the right to request the method and source of verification. The credit bureaus have not provided any documentation proving these accounts are valid, meaning they must be removed per FCRA 611 ( 15 U.S.C. 1681i ), which requires the deletion of any information that can not be verified within 30 days. 
Unauthorized Credit Inquiries : There are multiple inquiries on my credit report that I do not recognize and never authorized. Under FCRA 604 ( 15 U.S.C. 1681b ), a credit bureau may only release my report for permissible purposes, such as a credit application I initiated. Since I never applied for any accounts or credit that would justify these inquiries, they must be removed.

Credit Bureau Noncompliance : The credit bureaus are in violation of FCRA 623 ( 15 U.S.C. 1681s-2 ), which holds furnishers responsible for reporting only accurate and verifiable information. Since they have not provided proper verification, they are unlawfully reporting inaccurate information and must delete these items immediately. 
Requested Resolution : I demand the immediate removal of : 1. All unverified derogatory accounts listed above.

2. All unauthorized credit inquiries that I did not approve.

3. A formal letter confirming the deletion of these items from my credit file.

The continued failure to comply with the Fair Credit Reporting Act ( FCRA ) is causing harm to my credit profile and financial well-being. I expect swift action and full compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information 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 2025-02-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: United Shore Financial Services, LLC
State: MA

Complaint narrative:
I bought a house in XXXXXXXX XXXX XXXXXXXX. Tax and Insurance payments are being made by me through escrow each month. In XXXXXXXX XXXX XXXXXXXX, I received a tax bill from the XXXX XXXX XXXXXXXX and realized that despite my paying into escrow, UWM had not made any tax payments on my behalf for the last two quarters of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX When I called UWM about this, they eventually disbursed 2 tax payments from my escrow account for the delinquent payments ( Disbursed on XX/XX/XXXX ). One payment was for {$860.00} and one was for {$1000.00}. I have no idea where these amounts came from despite me telling them a payment for {$910.00} was due on XX/XX/XXXX and {$910.00} due on XX/XX/XXXX. There was also now an interest payment of {$98.00} due because they payments were so late. There was another tax payment for {$1000.00} disbursed on XX/XX/XXXX for the payment that was due on XXXX this was the correct amount for that quarter. Another disbursement was made for {$760.00} on XX/XX/XXXX. I HAVE NO IDEA why this disbursement was made. This was not on any bill and should not have been taken out of my escrow account. I've called several times to have this reversed and it has not yet been done. Now my escrow is in the red because of these incorrect payments. I called the XXXX XXXX XXXXXXXX several times to make sure the payments were received and as of XX/XX/XXXX NOTHING has been received for these payments that were made XX/XX/XXXX, XX/XX/XXXX and XXXX. UWM called the XXXXXXXX XXXX XXXXXXXX and they were told the payments had NOT been received. The XXXX requested front and back copies of the " cashed '' payments so they could research. No check copies have been received as of XX/XX/XXXX.

Company response to consumer: Closed with explanation