vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-19 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 XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-02-19 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: 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 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 2025-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mortgage Research Center, LLC
State: WA

Complaint narrative:
On XX/XX/year>, I made three mortgage payments to XXXX XXXX totaling {$290000.00} that were supported to ALL be applied to principal. Instead, XXXX XXXX applied 6 of them to monthly pre-payments and left approximately {$80000.00} in " unapplied funds ''. I have called at least 4 times to correct this. The first time the requested was rejected, the second time the payments were reversed then applied incorrectly AGAIN. Now, the company says I need to fill out a form but their attempt to email it failed, and they're saying they'll need to do it through physical mail instead. 

This is an insane process and the company has effectively stolen my money at this point.

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 2025-02-19 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: LA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My student loans were forgiven in XXXX and XXXX. These loans have reappeared on my credit report after they were closed. This is the fault of XXXX. I have attempted to call several times but nobody answers after hours of waiting. I've also sent messages over their system and no one responds back. I filed a dispute with Experian, but the fault lies with XXXX for reporting these loans inaccurately to the credit bureaus.

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 2025-02-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am a victim of a scam from Bank of America and I want all funds returned back to me.

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 2025-02-19 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: GA

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 non-monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Shellpoint Mortgage Servicing overcharges me every year on my annual escrow account statement. This year they are double charging me {$3300.00} for my insurance. This is making my escrow account go negative and they are increasing my mortgage {$400.00} a month. I have to call them every year to get something fixed. I have called twice this year and they still have not fixed it.

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 2025-02-19 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: MI

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
Called a family member who is an in law yesterday XX/XX/year> asking for me to call them they then called the same person today but left a voicemail as if they were calling my personal number requesting I call her back today. They have called another family member yesterday as well they are not supposed to call a family member more then once they have now called the same family member twice XXXX of the calls was requesting for me to call back and credit laws say they XXXX cant call a family member more then once and the other close states they can not call a family member and ask me to call them back. I have the voicemails saved in my phone. They address my inlaw as my full name as if Ive given them that number which I never have so to call a phone number thats never been on my account and leave a message for me is wrong and harassment as this point. No letters have been sent to my home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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: GA

Complaint narrative:
Complaint Against Equifax for Re-Reporting Fraudulent Account in Violation of the FCRA To Whom It May Concern, I am submitting this complaint against Equifax for re-reporting a fraudulent account on my credit report, despite previously deleting it after a dispute and an investigation triggered by a CFPB complaint ( Reference : XXXX ). This is a clear violation of the Fair Credit Reporting Act ( FCRA ) and prior CFPB enforcement actions against Equifax regarding similar unlawful practices. 

Background of the Issue : Fraudulent Account Details Creditor : XXXX XXXX XXXXXXXX ( XXXX XXXX ) Account Number : XXXX Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX Total Fraudulent Amount : {$2900.00} Reason for Dispute : Identity Theft Previous CFPB Complaint & Equifaxs Response I previously disputed this fraudulent account and provided an FTC Identity Theft Report to Equifax. 
Equifax failed to resolve the issue within 30 days, so I filed a complaint with the CFPB ( XXXX ). 
As a result, Equifax deleted the fraudulent account from my credit report ( as documented in their response to the CFPB ). 
Re-Reporting of the Fraudulent Account Despite Equifax deleting this fraudulent account, it has now been reinserted into my credit report without any notification, which is a direct violation of FCRA 611 ( a ) ( 5 ) ( B ).

The FCRA prohibits credit bureaus from reinserting previously deleted disputed accounts without notifying the consumer in writing within 5 days. Equifax failed to do this, making their actions illegal.

Equifaxs Violation of Federal Law Violation of FCRA 611 ( a ) ( 5 ) ( B ) : Re-reporting a previously deleted account without providing written notice.

Failure to Conduct a Reasonable Investigation : Under FCRA 611 ( a ) ( 1 ) ( A ), Equifax must conduct an adequate investigation when a consumer disputes an account. They had already ruled this account as fraudulent and deleted it yet have now reinserted itwithout evidence to justify the reversal.

CFPB Enforcement Action Against Equifax : This is not the first time Equifax has engaged in illegal practices. The CFPB has previously sued Equifax for violations of the FCRA, particularly for failing to ensure the accuracy of consumer reports and re-reporting inaccurate information. ( See CFPB v. Equifax, XXXX ). 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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:
XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX This dont belong to me at all.

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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am in the process of trying to buy a home and when the mortgage broker pulled my credit and we seen that there are damages on my report and according to 15 U.S.C 1681 there should not be damages reporting on my report that is a defamation to my character. According to the ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Ive also asked for a reinvestigation about this account and your are violating my rights according to 15 USC 1681 n ( Civil Liability For Willful Noncompliance ). Also allowing my sold information to be placed on my report without my permission also with no knowledge of me knowing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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: GA

Complaint narrative:
I am in the process of trying to buy a home and when the mortgage broker pulled my credit and we seen that there are damages on my report and according to 15 U.S.C 1681 there should not be damages reporting on my report that is a defamation to my character. According to the ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Ive also asked for a reinvestigation about this account and your are violating my rights according to 15 USC 1681 n ( Civil Liability For Willful Noncompliance ). Also allowing my sold information to be placed on my report without my permission also with no knowledge of me knowing.

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 2025-02-20 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: LA

Complaint narrative:
a truck was financed with the dealership. it was wrecked and total loss. the truck was repossessed from us and we have been accused of not satisfying the loan. they got the truck back and want us to pay more money we dont have. shows on my credit report maliciously trying to exaggerate the situation to harm me and 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 2025-02-20 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: LA

Complaint narrative:
a truck was financed with the dealership. it was wrecked and total loss. the truck was repossessed from us and we have been accused of not satisfying the loan. they got the truck back and want us to pay more money we dont have. shows on my credit report maliciously trying to exaggerate the situation to harm me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: LA

Complaint narrative:
a truck was financed with the dealership. it was wrecked and total loss. the truck was repossessed from us and we have been accused of not satisfying the loan. they got the truck back and want us to pay more money we dont have. shows on my credit report maliciously trying to exaggerate the situation to harm me and 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 2025-02-19 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: MS

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report that i believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the Consumer Financial Protection Bureau, includes Conducting inadequate investigations that fail to address consumer disputes properly. Reinserting previously disputed and inaccurate information without explanation. Failing to notify consumers about investigation results effectively. 
These allegations highlighted systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner do to my three dispute letters, one on XX/XX/XXXX followed by XX/XX/XXXX and XX/XX/XXXX. All were highlighted of the inaccuracies and in returned of investigation the same inaccurate information remains.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: MS

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report that i believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the Consumer Financial Protection Bureau, includes Conducting inadequate investigations that fail to address consumer disputes properly. Reinserting previously disputed and inaccurate information without explanation. Failing to notify consumers about investigation results effectively. 
These allegations highlighted systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner do to my three dispute letters, one on XX/XX/XXXX followed by XX/XX/XXXX and XX/XX/XXXX. All were highlighted of the inaccuracies and in returned of investigation the same inaccurate information remains.

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 2025-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: OR

Complaint narrative:
XX/XX/XXXX -Payroll check was deposited. As soon as check was deposited Chime closed my account. When I called to ask why they said they couldn't give any information. 

XX/XX/XXXX - called Chime again. Spoke with rep asking why account was closed and where my money was that was in account. She insisted she couldn't give that information. Asked to speak with her supervisor after arguing she transferred. The gentleman said he couldn't give any information but was not eligible for refund. When asked why and said it's illegal to keep money he argued and then hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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