vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-02 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : INQUIRIES : 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 XXXX XXXX XXXX XXXXXX/XX/XXXX : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

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 XXXXXX/XX/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 2025-01-01 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: IN

Complaint narrative:
I am writing in connection with the fraudulent account appearing on my credit report. The account number XXXX does not belong to me and is the result of identity theft. 
To the best of my knowledge, this fraudulent activity may have occurred as a result of the XXXX XXXXXXXX data breach, during which my personal information was exposed without my consent. 
Removal by Other Bureaus : I have previously disputed this account with XXXX and XXXX. Both credit bureaus have investigated my dispute and determined the account to be fraudulent, resulting in its removal from my credit reports with them. However, Experian has failed to take similar corrective action. 
Legal Requirement for Consistency : Under federal law, all three credit bureausXXXX, Experian, and XXXX required to maintain accurate and consistent information across credit reports. The continued reporting of this fraudulent account by Experian violates these legal standards. 
Additionally, if XXXX fails to remove the account in question after acknowledging its fraudulent nature, they will be in noncompliance with 15 U.S.C. 1681e ( b ), which mandates the maintenance of accurate credit reporting, and 15 U.S.C. 1681c-2 ( a ), which provides for the blocking of fraudulent information due to identity theft.

Supporting Documentation : Attached you will find : A copy of the identity theft report filed through the FTCs IdentityTheft.gov.

Request for Immediate Action : I formally request that this account be permanently removed from my credit report with Experian. I also request that Experian ensure the fraudulent account remains removed in compliance with federal law. 
Any associated inquiries with this account should also be removed from all 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 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have discovered the incorrect spelling and improper use of my full name and reporting of an incorrect address on my Experian Credit Report. The improper use you are reporting is a violation according to the Fair Credit Reporting Act on my consumer report and needs to be reported accurately on any consumer report from your reporting agency. Here are the errors I have found on my Experian Consumer Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The correct spelling of my full name is : XXXX XXXX Incorrect address which is not mine needs to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX These incorrect errors above are demanded to be removed within XXXX days. 

Thank 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 2025-01-01 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: LEXISNEXIS
State: GA

Complaint narrative:
There are XXXX inquiries on my credit file that are not my own. Most of them were done within the last XXXX years. 

There are XXXX addresses on my credit file that are not mine. I sent them my correct address and driver license and a bill to verify this, and they still would not correct this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In according with fair credit reporting act XXXX  Account # XXXX, XXXX, XXXX, XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-01 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: CA

Complaint narrative:
Ive been asking for months for these inaccurate accounts in pending litigation to be removed from my credit report. Ive reached out multiple times, and each time, Im left with no resolution.

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 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts information reporting to my credit report. These remarks have been detrimental to my life and credit health

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 2025-01-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC.
State: MD

Complaint narrative:
Dear XXXX XXXX XXXX : I am responding to your contact about a debt you are trying to collect. You contacted me by phone, on XX/XX/year> and identified this alleged debt. 

Please supply the information below so that I have all information : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 

If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 

XXXX Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 

If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I must pay. 

The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was. 

Best Regards, ( XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-01 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: John C. Heath, Attorney at Law, PLLC
State: GA

Complaint narrative:
There are 26 inquiries on my credit file that are not my own. Most of them were done within the last 4 years. 

There are 7 addresses on my credit file that are not mine. I sent them my correct address and driver license and a bill to verify this, and they still would not correct this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 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: Consumer Portfolio Services, Inc.
State: GA

Complaint narrative:
There are XXXX inquiries on my credit file that are not my own. Most of them were done within the last XXXX  years. 

There are XXXX addresses on my credit file that are not mine. I sent them my correct address and driver license and a bill to verify this, and they still would not correct this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Complaint Regarding TransUnions Failure to Comply with the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am filing this complaint against TransUnion for their failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i ( a ) ( 7 ). Despite my repeated requests, TransUnion has failed to provide a description of their investigation process regarding disputed accounts on my credit report. Additionally, they continue to inaccurately report the following accounts as negative items : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Number : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX TransUnion has stated that the information on my credit report is accurate and verified ; however, these accounts remain incorrect. Their failure to respond to my inquiry and provide the required explanation is a direct violation of the FCRA. Under 15 U.S.C. 1681i ( a ) ( 7 ), credit reporting agencies ( CRAs ) are obligated to provide a description of the investigation process upon consumer request. 

I demand that the CFPB take immediate action to enforce compliance with the FCRA. Specifically, I request the following : Require TransUnion to delete the aforementioned negative accounts from my credit report. 

Impose a fine of up to {$1000.00} per violation, as allowed under the FCRA. 

Ensure that TransUnion provides a detailed description of their investigation process in accordance with 15 U.S.C. 1681i ( a ) ( 7 ). 

I have attached copies of my correspondence with TransUnion, along with any supporting documents, for your reference. Please let me know if you require additional information to proceed with this complaint. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, 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 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
These hard inquiries are fraudulent and doesnt belong to me and need to be removed. 
// 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 2025-01-01 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: MI

Complaint narrative:
There were multiple inquiries on my credit report for loans atleast XXXX, during the month 's of XX/XX/XXXX and XX/XX/XXXX, its not mine. Back in XXXX I seen on my credit report that a car was bought with a loan from XXXX XXXX lender in my name with a current balance of over {$20.00}, its not mine. 
The credit companies are not assisting me with removing these fraudulent inquiries on my credit report so I'm hoping that you will.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 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:
There were multiple inquiries on my credit report for loans atleast XXXX, during the month 's of XX/XX/XXXX and XX/XX/XXXX, its not mine. Back in XXXX I seen on my credit report that a car was bought with a loan from XXXX XXXX lender in my name with a current balance of over {$20.00}, its not mine. 
The credit companies are not assisting me with removing these fraudulent inquiries on my credit report so I'm hoping that you will.

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 2025-01-01 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: Freedom Mortgage Company
State: NY

Complaint narrative:
This complaint is against Freedom Mortgage and their fraudulent tactics used while servicing loans. 

The mortgage has been refinanced, so thank goodness, I am no longer under the thieving fraudulent thumb of Freedom Mortgage. This complaint is to shed a light on their unjust, greedy, fraudulent tactics while servicing mortgages. 

XXXX XXXX was the investor of the mortgage and everything was fine until Freedom mortgage became the servicer of the loan. Every year they gave a bogus escrow shortage analysis stating there was an escrow shortage. It was always over {$1000.00} whether taxes went up or not. Therefore they used that as an excuse to raise the monthly mortgage payments hoping that we would not be able to afford to pay it. 

However, we paid their bogus shortage escrow analysis ; then Freedom Mortgage stated that they will still raise the mortgage payments every year whether we paid their so called escrow shortage or not. I had discussed their ridiculous practice to both Freedom Mortgage and the investor, XXXX XXXX without any satisfactory resolution. 

To Freedom Mortgage, the more money was in the escrow, the more they could pay themselves ( help themselves ). 

To me, I felt like a victim. Freedom Mortgage was putting financial hardship on us. The longer they serviced the loan, the higher our monthly payments would get over the years, even though we are on a fixed interest rate and we paid their bogus shortage escrow analysis every year. If they had stayed as our loan servicer, after some years, we would not be able to afford the mortgage and guess what " foreclosure '' although we were very responsible with our monthly mortgage payments.

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 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
THIS ACCOUNT WAS CHARGED OFF ON THE FOLLOWING DATE ( XXXXXXXX XXXX OF FIRST CHARGE OFF ) SINCE THEN THE ACCOUNT HAS REPEATEDLY BEEN UPDATED AS CHARGED OFF EVERY MONTH. THIS IS AN UPDATE IN THE PAYMENT HISTORY. A CHARGED OFF ACCOUNT SHOULD NOT INCLUDE AN ACTIVE PAYMENT HISTORY, THIS INACCURATE INFORMATION FALSELY MANIPULATES THE STATUTE OF LIMITATIONS. YOU FAILED TO INVESTIGATE THIS ACCOUNT PROPERLY AND YOUR NEGLECT HAS VIOLATED MY RIGHTS. I AM DEMANDING A DELETION OF THE FOLLOWING ACCOUNT : Account Name : XXXX XXXX XXXX Account Number 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 2025-01-01 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: TX

Complaint narrative:
THIS ACCOUNT WAS CHARGED OFF ON THE FOLLOWING DATE ( XXXX XXXX OF FIRST CHARGE OFF ) SINCE THEN THE ACCOUNT HAS REPEATEDLY BEEN UPDATED AS CHARGED OFF EVERY MONTH. THIS IS AN UPDATE IN THE PAYMENT HISTORY. A CHARGED OFF ACCOUNT SHOULD NOT INCLUDE AN ACTIVE PAYMENT HISTORY, THIS INACCURATE INFORMATION FALSELY MANIPULATES THE STATUTE OF LIMITATIONS. YOU FAILED TO INVESTIGATE THIS ACCOUNT PROPERLY AND YOUR NEGLECT HAS VIOLATED MY RIGHTS. I AM DEMANDING A DELETION OF THE FOLLOWING ACCOUNT : Account Name : XXXX XXXX XXXX Account Number 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 2025-01-01 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: FL

Complaint narrative:
My Credit Report Is Stating That My Late Payments Are Beyond XXXX When It Clearly Is No More Than XXXX And Thats Due To XXXX XXXX And Under According To 15 U.S. CODE 1681a ( 2XD ) 15 U.S. CODE S 1666b 12 CFR 1026.13 Billing Error Resolution ) This Be Deferred Or Forgiven

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 2025-01-01 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: MI

Complaint narrative:
This is concerning. XXXX  XXXX XXXX XXXX and XXXX XXXX. 
Request for Charge-Off Removal Under 15 U.S.C. 1681i To Whom It May Concern, I am writing to formally dispute the charge-off listed on my credit report under the account number [ Account Number ]. Upon review, I believe this entry is inaccurate or incomplete, and I am requesting its removal or correction in accordance with 15 U.S.C. 1681i, the section of the Fair Credit Reporting Act ( FCRA ) governing the investigation of disputed information. 

Under 15 U.S.C. 1681i, I have the right to dispute any information on my credit report that I believe is inaccurate or incomplete. I am requesting that you conduct a thorough investigation of this charge-off, as I have reason to believe that : The reported charge-off is either incorrect or has been reported with inaccuracies that require correction or removal. 
The account in question may have been paid, settled, or otherwise resolved but is being inaccurately reflected as an outstanding debt. 
In accordance with the FCRA, I request that you : Investigate this charge-off item and verify its accuracy. 
Provide me with the results of your investigation within XXXX  days of receipt of this letter, as mandated by the law. 
Remove or correct the inaccurate information if found to be incorrect or unverifiable. 
Please send me a written response to my dispute, including the findings of your investigation, and provide a copy of my updated credit report once the correction has been made. If you are unable to verify the accuracy of this charge-off, I request that it be removed from my credit file entirely. 

Thank you for your prompt attention to this matter. I look forward to your timely resolution of this dispute. 

Sincerely, 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