vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-07 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: National Credit Systems,Inc.
State: NY

Complaint narrative:
Most of the calls received from XXXX XXXX has been negative and insulting. Im pretty sure that she has other complaints against her and the National Credit Systems. Since all calls are monitored and recorded, it shouldnt be a problem with reviewing the calls made from XXXX XXXX and National credit systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: IL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: GA

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward 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 2025-01-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CrossCountry Mortgage LLC
State: NC

Complaint narrative:
Company failed to pay, from a fully funded escrow account, the property taxes on 3 of the 4 parcels associated with the loan in early XXXX for tax year XXXX. This resulted in the local tax office withdrawing taxes that were overdue, with penalties and interest from my bank account. After many attempts, I was finally put in contact with a lady that assured me that the issue was investigated and mitigated and there would be no further issues going forward, without reimbursement to me for penalties and interest paid by me, due to their own failure to pay the bills when due.

So, with much speculation, I checked on the payment status of my property taxes with the local tax office on XX/XX/XXXX only to find out that the problem has not been solved. Company paid property taxes on 1 of 4 parcels for tax year XXXX on XX/XX/XXXX. And once again, the local tax office has levied penalties and interest again.

After speaking with company rep today, I was told that he could indeed see in the notes where this was an issue last year and it was noted as fixed on the account. Rep then proceeds to tell me that he would send a request to tax department for payment. With no trust in the process at this point, I asked to speak with someone in the tax payment department and was told NO. It is on the recorded phone call. All of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: IL

Complaint narrative:
Dear CFPB, I am writing to formally dispute the continued reporting of fraudulent accounts and inquiries on my credit reports by XXXX, XXXX, and Equifax, despite submitting a valid Identity Theft Report through XXXX and other supporting documentation. 

Fraudulent Accounts : XXXX Auto : Account Number : XXXX ( All XXXX Bureaus ) XXXX  Auto incorrectly claims this account belongs to me. Despite notifying them of identity theft, they have sent correspondence to an incorrect address and have failed to provide any evidence linking me to this account. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Violations of Federal Law : The continued reporting of these fraudulent accounts and inquiries violates the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681c-2 : Requires the blocking of fraudulent information upon receipt of a valid Identity Theft Report.

15 U.S.C. 1681i : Obliges credit bureaus to conduct a reasonable investigation when disputes are filed.

15 U.S.C. 1681b : Restricts permissible purposes for accessing and reporting consumer credit information.

15 U.S.C. 1681e ( b ) : Mandates credit bureaus to ensure maximum possible accuracy of the information reported.

Resolution Sought : Immediate removal of the above-listed accounts and inquiries from all credit reports. 
A comprehensive investigation into XXXX Autos improper handling of my case and their failure to validate the account after an Identity Theft Affidavit was submitted. 
Full compliance with the FCRA, with statutory damages under 15 U.S.C. 1681n if violations persist. 

The letters I submitted for this dispute are attached for reference. I respectfully request the CFPB to ensure that XXXX, XXXX, and Equifax comply with federal law and uphold my consumer rights. 

Thank you for addressing this urgent matter. I look forward to your timely resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: IL

Complaint narrative:
Dear CFPB, I am writing to formally dispute the continued reporting of fraudulent accounts and inquiries on my credit reports by XXXX, Experian, and XXXX, despite submitting a valid Identity Theft Report through XXXX and other supporting documentation. 

Fraudulent Accounts : XXXX Auto : Account Number : XXXX ( All XXXX Bureaus ) XXXX  Auto incorrectly claims this account belongs to me. Despite notifying them of identity theft, they have sent correspondence to an incorrect address and have failed to provide any evidence linking me to this account. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violations of Federal Law : The continued reporting of these fraudulent accounts and inquiries violates the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681c-2 : Requires the blocking of fraudulent information upon receipt of a valid Identity Theft Report.

15 U.S.C. 1681i : Obliges credit bureaus to conduct a reasonable investigation when disputes are filed.

15 U.S.C. 1681b : Restricts permissible purposes for accessing and reporting consumer credit information.

15 U.S.C. 1681e ( b ) : Mandates credit bureaus to ensure maximum possible accuracy of the information reported.

Resolution Sought : Immediate removal of the above-listed accounts and inquiries from all credit reports. 
A comprehensive investigation into XXXX Autos improper handling of my case and their failure to validate the account after an Identity Theft Affidavit was submitted. 
Full compliance with the FCRA, with statutory damages under 15 U.S.C. 1681n if violations persist. 

The letters I submitted for this dispute are attached for reference. I respectfully request the CFPB to ensure that XXXX, Experian, and XXXX comply with federal law and uphold my consumer rights. 

Thank you for addressing this urgent matter. I look forward to your timely 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 explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: AZ

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

Company 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 2025-01-07 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: NY

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: NY

Complaint narrative:
This issue is due to Mohela incorrectly placing me into an interest bearing voluntary forbearance currently while I have an XXXX ( XXXX ) plan application still pending and should instead be on a 0 % interest forbearance. They have refused to remedy this and are essentially scamming me out of fraudulent interest charged each month. 

I was previously on the XXXX repayment plan with 0 % interest and no payments required up until the date set by XXXX XXXX on which payments would resume. Prior to this date, I consolidated my loans to take advantage of the " one time adjustment '' offered by XXXX XXXX 's policies. After the loan consolidation was completed, I was automatically placed back on a " standard '' payment plan which I can not afford due to being in a low paid training program ( medical residency ). I then applied to be put back on the XXXX plan on XX/XX/year>, which I was on prior to consolidation. While my application was processing, the courts blocked XXXX and so the application has been pending ever since. I was able to submit another application for XXXX on XX/XX/year>. Both are still processing with no updates. 

Initially I was placed on a 0 % interest " administrative/paperwork processing forbearance '' but after a few months this expired. I called Mohela at that time to request it be extended until my XXXX applications were done processing, but they said my only option was a " voluntary forbearance '' ( which does NOT count towards XXXX months and also DOES accrue interest ) so this is what I'm currently on. I am asking for your help to get me back on a 0 % interest administrative forbearance until these payment plan applications finish processing, as the loan servicer is now fraudulently applying interest each month to my loans due to forcing me into the incorrect " voluntary forbearance ''. Thank you in advance for your help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-01-06 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: NY

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 response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX XXXX XX/XX/XXXX Attn : Equifax Dispute Center Fraud Division XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX XXXX Dear Equifax Dispute Center, I am writing to dispute fraudulent accounts and inquiries on my credit report. I have filed both an FTC Identity Theft Complaint and a CFPB Complaint regarding this matter. I request the immediate removal of the fraudulent information detailed below from my credit report. 

Legal Basis for Removal : Under 15 U.S.C. 1681c-2, I am formally requesting the removal of the fraudulent accounts and inquiries, as I have been a victim of identity theft. This is my legal right to have inaccurate or unauthorized information blocked. 

From : XXXX XXXX To Whom It May Concern, I am writing to formally dispute the following inquiries, as I have no knowledge of them. 
I DO NOT HAVE ANY ACCOUNTS WITH THESE COMPANIES. There was a employee that went rouge and used customers information without authorization. 


Fraudulent Inquiries : The following inquiries were made without my consent. Someone used my personal information in an attempt to secure an auto loan. I request these inquiries be removed : XXXXXXXX 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 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 Dispute this Thank you for your prompt attention to this matter. I look forward to the removal of these fraudulent accounts and inquiries from my credit report. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX XXXX XX/XX/XXXX Attn : Equifax Dispute Center Fraud Division XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX XXXX Dear Equifax Dispute Center, I am writing to dispute fraudulent accounts and inquiries on my credit report. I have filed both an FTC Identity Theft Complaint and a CFPB Complaint regarding this matter. I request the immediate removal of the fraudulent information detailed below from my credit report. 

Legal Basis for Removal : Under 15 U.S.C. 1681c-2, I am formally requesting the removal of the fraudulent accounts and inquiries, as I have been a victim of identity theft. This is my legal right to have inaccurate or unauthorized information blocked. 

From : XXXX XXXX To Whom It May Concern, I am writing to formally dispute the following inquiries, as I have no knowledge of them. 
I DO NOT HAVE ANY ACCOUNTS WITH THESE COMPANIES. There was a employee that went rouge and used customers information without authorization. 


Fraudulent Inquiries : The following inquiries were made without my consent. Someone used my personal information in an attempt to secure an auto loan. I request these inquiries be removed : 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 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 Dispute this Thank you for your prompt attention to this matter. I look forward to the removal of these fraudulent accounts and inquiries from my credit report. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Recovery Services, Inc.
State: IL

Complaint narrative:
This so called 'debt ' started with LVNV XXXX then they sold it to another collector, and now its been sold to XXXX! The original creditor sold this account, charged it off and closed it. These collectors have no rights nor any grounds to harass me with this. My rights are 100 % protected by US Code 15 USC 1692g. I 100 % dispute this debt, refused to pay it, and they have ignored my cease and desist warning. I want this company fined and expect a check in the mail from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: NJ

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. This isnt just an inconvenienceits affecting my financial stability and mental well-being.

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 2025-01-06 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: MS

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-01-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: Chime Financial Inc
State: WA

Complaint narrative:
I received notification from Chime stating that my account received a mobile deposit return. I have never made any type of non-cash deposit on my account, ever. So I asked to dispute this transaction. They never responded and my balance remained as a negative balance.

Company response to consumer: Closed with explanation