vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-09 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: CA

Complaint narrative:
I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and are inaccurate orincomplete. I am requesting that the item be investigatedto correct the information 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 2025-01-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NEW YORK COMMUNITY BANCORP INC
State: TX

Complaint narrative:
I

m writing to express my concern regarding the sudden increase in my mortgage payment from {$3500.00} to {$4000.00} due to an escrow shortage of {$3200.00}. Such a significant jump in a single month is unexpected and creates a financial strain.

Id appreciate a detailed explanation of the escrow shortage and any options to address this increase more gradually. Please let me know how we can resolve this issue effectively.

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 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
This letter serves as a formal notice of dispute regarding the accuracy and verification of certain accounts listed on my credit report. I have identified discrepancies in the reporting of these accounts and request that each creditor provide detailed verification of the following items : 1. XXXX/Comenity/XXXX  Amount Owed : Please verify the total amount owed as {$1200.00}, ensuring it aligns with all reported figures. 

Date of First Delinquency : Confirm the accuracy of the reported first delinquency in XX/XX/year>. 

Date of Last Payment : Provide documentation supporting the absence of payments within the reported timeframe. 

Payment History : Clarify and verify the progression of delinquencies leading to the charge-off status as of XX/XX/year>. 

Method of Verification : Detail the process used to verify the debt, including contractual agreements and payment records. 

XXXX. XXXX XXXX ( Account XXXX and XXXX  ) Amount Owed : Confirm the charged-off amount of {$1500.00} and the past-due balance of {$1300.00}. 

Date of First Delinquency : Verify the accuracy of 30 days past due as of XX/XX/year> for XXXX and XX/XX/year> for XXXX. 

Date of Last Payment : Provide the records of the last payment dates as reported in the payment histories. 

Payment History : Reconcile any inconsistencies in the reported delinquency progression. 

Method of Verification : Submit evidence of the validation process for both accounts, including payment history and original agreements. 

XXXX. XXXX XXXX/XXXX  Amount Owed : Verify the reported balance of {$5100.00} and ensure all records are consistent. 

Date of First Delinquency : Confirm 30 days past due as of XX/XX/year> and subsequent progression to 60 days past due in XX/XX/year>. 

Date of Last Payment : Clarify discrepancies in the last payment records. 

Payment History : Provide documentation verifying the payment history timeline and consistency.

Method of Verification : Include proof of the method used to confirm the account details. 

Please provide all requested documentation and verification within 30 days of receipt of this notice, as required by the Fair Credit Reporting Act ( FCRA ). If any of the information can not be verified, I request that the disputed account ( s ) be corrected or removed from my credit report immediately. 

Thank you for your prompt attention to this matter. Please address all correspondence to :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: CA

Complaint narrative:
This is my 3rd requests to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance Owed : {$640.00} XXXX XXXX  XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX XXXX Balance Owed : {$530.00} XXXX XXXX XXXX XXXX Balance Owed : {$12000.00}

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 2025-01-09 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Disputed items from my credit report with Experian, came back as verified, then I disputed which method was used to verify information, and never received anything about the investigation

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 2025-01-09 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: TX

Complaint narrative:
To Whom It May Concern, I am writing to dispute the following account listed on my credit report : \n Account Name : XXXX XXXX Account Number : XXXX Amount : {$15000.00} Account Name : XXXX I am writing to formally request the removal of an account from my credit report as reported by TransUnion XXXX This request is based on the recent deletion of an account by XXXX, XXXX XXXX XXXX. I recently disputed a charge-o for Account Name : XXXX XXXX Account Number : XXXX Amount : {$15000.00} ; Account Name ; XXXX .. following a thorough investigation, XXXX, XXXX XXXX XXXX has completely removed this unverifiable/Fraudulent account from my report as of XX/XX/XXXX from XXXX, XX/XX/XXXX from XXXX and XXXX. 
According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. 
Since XXXX, XXXX and Transunion has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 
Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX, XXXX XXXX XXXX XXXX has deemed this account unverifiable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX, XXXX XXXX XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 
Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non- compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 
I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request. 
Sincerely

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 2025-01-09 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:
I contracted Transunion to have them correct my consumer report and they have yet to remove the account. It is their responsibility to report 100 % accurate information and to protect my right to privacy. I pulled my reports off of annualcreditreport.com and it does not list any collections yet on XXXX XXXX a collection is being furnished by Transunion which is a major inaccuracy. XXXX XXXX XXXX is being reported to my consumer report without my 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 2025-01-09 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: AMERICAN HONDA FINANCE CORP
State: OK

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 
XXXX : [ AMERICAN HONDA FINANCE ] [ XXXX ] XXXX : [ AMERICAN HONDA FINANCE ] [ XXXX ] XXXX : [ AMERICAN HONDA FINANCE ] [ XXXX ] In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611.

Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your Investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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 am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 




XXXX  : U S DEPT OF EDXXXX XXXX {$1200.00} U S DEPT OF EDXXXX XXXX {$2100.00} XXXX XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX XXXXXXXX {$110.00} XXXX : DEPT OF ED / XXXX XXXX {$0.00} DEPT OF ED / XXXX XXXX {$0.00} US DEPARTMENT OF EDU XXXX {$2000.00} US DEPARTMENT OF EDU XXXX {$1100.00} XXXX XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX XXXX {$640.00} XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX {$110.00} XXXX XXXX {$640.00} UNAUTHORIZED INQUIRY : XXXX Inquired on XX/XX/scrub>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 2025-01-09 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: CA

Complaint narrative:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that trafficking. 




EXP : U S DEPT OF EDXXXX XXXX {$1200.00} U S DEPT OF EDXXXX XXXX {$2100.00} XXXX XXXX XXXX XXXX {$720.00} XXXXXXXX XXXX XXXX XXXXXXXX {$110.00} XXXX : DEPT OF ED / XXXX XXXX {$0.00} DEPT OF ED / XXXX XXXX {$0.00} US DEPARTMENT OF EDU XXXX {$2000.00} US DEPARTMENT OF EDU XXXX {$1100.00} XXXX XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX XXXX {$640.00} XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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:
I PULLED MY TRANSUNION CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2025-01-09 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: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-01-09 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: PA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2025-01-09 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:
I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and is inaccurate or incomplete. I am requesting that the item be investigated to correct the information Below are the items : 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 non-monetary relief
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-01-09 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:
Fraudulent Account stopping me from getting a house with my family

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: PA

Complaint narrative:
Request for Method of Verification Under FCRA Dear Sir/Madam, I recently disputed the accuracy of certain information on my credit report, and I have received your response. However, I am not satisfied with the outcome of the reinvestigation. Therefore, I am writing to request the method of verification for the following disputed item ( s ) : Disputed Item ( s ) : 1. Please remove the following inaccurate address from my credit report : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX. Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason for Dispute : Multiple inaccuracies. You did not conduct a proper investigation as such I request removal of this account from my credit report. 
XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX Reason for Dispute : Multiple inaccuracies. You did not conduct a proper investigation as such I request removal of this account from my credit report. 
XXXX. Account Name : XXXX XXXX  Account Number : XXXX Reason for Dispute : Multiple inaccuracies. You did not conduct a proper investigation as such I request removal of this account from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 7 ), I have the right to request " a description of the procedure used to determine the accuracy and completeness of the information. '' Additionally, FCRA Section 607 ( b ) requires that credit reporting agencies " follow reasonable procedures to assure maximum possible accuracy of the information '' contained in consumer reports.

Please provide the specific details on how the investigation was conducted, including : 1. The name, address, and telephone number of the person or entity that verified the information.

2. The method and sources used for verification. 
I appreciate your prompt attention to this matter and look forward to your detailed response as required by law. 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 2025-01-09 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX and Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF HARD INQUIRIES TO 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 XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX These several fraudulent hard inquiries and appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned hard inquiries as reported. The aforementioned hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation