vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-25 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: MD

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-02-25 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: NY

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, experian and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies. 
Please delete all these fraudulent accounts none of the listed is associated with me. The account listed are not transactions done by myself.

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 2025-02-25 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXXt V. XXXX ( 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 non-monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Halsted Financial Services, LLC.
State: MI

Complaint narrative:
I received at least 10 emails from a debt collector names halstead financial telling me that I will be eventually sued if I do not explore my payment options. They stated its in regards to a XXXX XXXX XXXX credit card debt that I owe and I attempted to call the number provided in the emails. The number is not active so when I googled the company, I was provided a different phone number. I just called and spoke to someone who told me the last four digits of my social and that did not match mine. she asked me my email address and Im sure was going to ask me more information that I was not willing to give her. I only supplied her with a reference number which was supplied to me in the emails to collect the debt. She then stated I could opt out in the email and click the link. I told her obviously this is probably spam and Im not clicking any links in any emails, especially when they can not provide their correct contact information if they are legitimate. I told her I would contact somebody in regards to this to try and get accurate information. You can not call XXXX XXXX XXXX  unless you currently have a credit card with them. So Im unable to verify this debt is actually mine and not someone else elses. And if its attached to someone else with my name, then I need to figure out how to fix that as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: FL

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-02-25 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:
XXXX bank has open a account in 2020 this account was open with our my permission and this account is fraudulent, I did not open this account is not mine please remove this account discover bank open this account using my information and stole my identity XXXX XXXX bank Fraudulent accounts please remove from my reports

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 2025-02-25 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:
XXXX bank has open a account in 2020 this account was open with our my permission and this account is fraudulent, I did not open this account is not mine please remove this account discover bank open this account using my information and stole my identity XXXX XXXX bank Fraudulent accounts please remove from my reports

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 2025-02-25 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: CA

Complaint narrative:
I am writing to dispute inaccurate information on my credit report regarding accounts that have been marked as late payments. After thoroughly reviewing my records, I confirmed that these accounts were, in fact, paid on time. 

This incorrect reporting has negatively impacted my FICO Score. Under US Law 15 U.S.C. 1666b, pertaining to late payment remarks, I am entitled to a fair and accurate investigation of disputed items on my credit report. I kindly request that the status of these accounts be corrected to reflect timely payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX V. XXXX ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: AZ

Complaint narrative:
Transunion is inaccurately reporting personal information even though I had filed a complaint to remove these inaccurate addresses, names and employers that do not belong to me. This is a direct violation of my consumer rights and the FCRA. I have uploaded a copy of my Driver License for identification/address purposes, SS card and a copy of your inaccurate credit report to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: AZ

Complaint narrative:
Transunion is inaccurately reporting personal information even though I had filed a complaint to remove these inaccurate addresses, names and employers that do not belong to me. This is a direct violation of my consumer rights and the FCRA. I have uploaded a copy of my Driver License for identification/address purposes, SS card and a copy of your inaccurate credit report to this complaint.

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 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: CA

Complaint narrative:
I have contacted the company numerous times, and they have yet to return to me with any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Fay Servicing, LLC
State: PA

Complaint narrative:
We sustained damage to our home due to a improperly installed HVAC system which resulted in the collapse of the ceiling in our kitchen. Due to the contractors insurance never mitigating at the time the damage occured we had over {$50000.00} damage to our home. We worked with our own insurance and received an insurance check made out to us and the mortgage company. When we contacted the mortgage company we were instructed to submit the report from our insurance XXXX and the XXXX that we were hiring along with the endorse check ( XXXX ). This was all submitted on XX/XX/XXXX25. They received it on XX/XX/XXXX25 and that check cleared XX/XX/XXXX25. We were told that a first draft of XXXX would be sent to us in 8-10 days. I called back on the XXXX day and was told that they need clarification from our insurance company as to the type of loss. This was done on XX/XX/XXXX25 and we were again told it would be 8-10 days from that date. I called on the XXXX day ( XX/XX/XXXX25 ) and was told they do not know why the check has not been sent, but would request it along with a callback from a supervisor. An overnight XXXX label was created to send this check to us for the delay. On XX/XX/XXXX25 I again called and was told that the check would be sent on XX/XX/XXXX25 or XX/XX/XXXX25 and another request for a XXXX  call was completed. I followed up with them on XX/XX/XXXX25 and was told that the check was in the mailroom that morning and we would receive the next day, they provided us with the XXXX tracking number. There was no check received on the next day. on XX/XX/XXXX/25 called again and was told that the check was sent on XX/XX/XXXX and accepted by XXXX at XXXX XXXX  and that I needed to call XXXX. She also said that the previous information that I was given was incorrect and apologized. I called XXXX and checked the tracking portal which stated XXXX was not in possession of the package. XXXX confirmed they did not have the package and that it had been over 24 hours since the shipper said it was sent they would consider it a lost package and to call the shipper to initiate an investigation. I call the mortgage co back and they still stated that it was sent on XX/XX/XXXX25 and confirmed at XXXX XXXX. They said they would put a stop pay on that check and reissue the check sending it by overnight XXXX again. This process will take another 3-5 days. So far it has been close to a month of back and forth with the company and there is no end in site. Repairs can not begin until payment is made to the XXXX and since we are unable to live in our home while being repaired the time that the insurance company will cover is being eaten up by the delays of the mortgage company and we will be homeless while our home is repaired.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: CO

Complaint narrative:
In or around XXXX of 2024, I - XXXX XXXX - signed a month-to-month rental agreement with XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, Colorado XXXX XXXX XXXX  XXXX Management. The monthly rental amount for the entire property was {$3000.00}, with each tenant responsible for {$750.00} per month for rent. I paid my full rent amount every month that I lived there. I paid full rent in XXXX of 2024. During that month, XXXX of the other tenants - XXXX XXXX- did not pay his rent in full unbeknownst to me. At the beginning of XX/XX/year>, XXXX XXXX XXXX refused to accept any payment from me for my individual rent of {$750.00}. Instead, they demanded a single check to pay for all the rent owed by all XXXX tenants. I informed XXXX  that I could pay my portion of the rent numerous times, and they refused all my attempts to pay the debt that I owed individually. I informed XXXX that I would be vacating the property in XX/XX/year>. I made multiple attempts to pay the amount that I owed, but XXXX refused, stating that they would only accept payment for the full amount owned by all XXXX tenants in a single check. By this point, XXXX of the tenants- XXXX XXXX and XXXX XXXX- had already vacated the property and I was not able to reach them. The debt was turned over to XXXX XXXX. They sent me a collection letter for the debt owed by all XXXX tenants which was {$11000.00}. My portion of the debt is only {$2700.00}. I offered to pay {$2700.00} in full, but they refused, stating that I would need to pay the full amount ( {$11000.00} ) to have the collection removed from my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XX/XX/XXXX I opened new Citi Checking account XX/XX/XXXX I successfully deposited {$5000.00} to Citi bank from my XXXX  account XX/XX/XXXX I received email about Citibank account closured in 60 days which there no information why it closed instead violated the terms which nothing explain. 
XX/XX/XXXX XXXX I called Citi bank many time and Citi representatives told same statement in the email. When I asked about remaining funds back, they said I will be receiving a mail check of the remaining balance which around {$5300.00} Waited for 2 months, I still have not received anything from Citibank XX/XX/XXXX - XX/XX/XXXX I called them again and only been told that I will not be getting a check of the remaining balanced on my closed account. Citi rep stated I have to contact XXXX where the funds originally came from. 
I called XXXX for help but XXXX can not do anything instead Citi request which Citibank not willing to work out. 
I got different information every time I called to Citibank but the sum up is that they not release the money from account closured

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 2025-02-25 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 AM SO DEVASTATED CURRENTLY AND DEPRESSED. I recently discovered that I was listed as part of the data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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 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 2025-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Movement Mortgage LLC
State: GA

Complaint narrative:
I am filing this complaint against XXXX XXXX at Movement Mortgage , LLC XXXX XXXX XXXX due to lack of communication, misleading practices, and failure to act in good faith regarding my mortgage refinance. 

I originally purchased my home and bought down my mortgage interest rate, which is set to expire in XX/XX/XXXX. 

In XX/XX/XXXX, my lender contacted me about refinancing at a more favorable rate. At their request, I submitted all required financial documents, including my card statements, proof of salary, and other sensitive personal information. 
After submitting my documents, I attempted multiple times over the last XXXX months to obtain updates regarding my refinance. However, [ XXXX XXXX ] completely ignored my inquiries and failed to provide any updates. 
Despite my repeated efforts to communicate via email, phone calls, and text messages, my lender has refused to respond until recentlyonly after I escalated the issue to their managers. 

In XX/XX/XXXX, I finally received a response from [ XXXX XXXX ], stating that the refinance does not provide significant cost savings. However, this contradicts their initial outreach, and they failed to provide a timely itemized quote for review. 
Due to this delay and lack of transparency, I am now facing limited time to refinance before my current rate expires in XXXX. 

How This Has Affected Me : My lenders failure to communicate has put me in a financially disadvantageous position as I may now face a higher interest rate due to their negligence. 
I have experienced stress and frustration due to their lack of good faith and transparency. 
I entrusted my sensitive financial information to this lender, and their disregard for professional communication raises concerns about their ethical conduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-02-25 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-02-25 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: NJ

Complaint narrative:
My home loan was transferred from XXXX XXXX to Mr Cooper less than a month ago. Today I received a phone call from a XXXX number who said they were Mr. Cooper and there was an issue with my loan but before they could go into more details I needed to provide my Social Security number. I did not provide that info and hung up. I went to Mr .

Coopers website and call the number they have listed which was different from the one that called me to ask if they were trying to reach me about an issue. They said they were not trying to call me and they see no issues with my account. I am upset that my personal information and loan details have been compromised within only the first month of being transferred to Mr. Cooper. I do not feel comfortable with Mr. Cooper having my PII and bank information since its apparent that already a bad actor has my info. How can I be transferred back to XXXX XXXX to manage my remaining mortgage or at least cancel the relationship with Mr. Cooper who appear to have a history of data breaches.

Company response to consumer: Closed with explanation