vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I have contacted XXXX XXXX  on multiple occasions via phone throughout XXXX and XXXX of XXXX. I was instructed to email my dispute complaint to them on XX/XX/XXXX. I did so on XX/XX/XXXX and never received a response. 


-Periodic Statement Requirement In accordance with XXXX the creditor was required to send me periodic billing statements at for each billing cycle. The lender failed to do so as I never properly received account statements. Upon checking the statement history it has been confirmed that despite providing the company with my correct address they failed to include XXXX XXXX within the address line and as a result the mailed statements from XXXX XXXX XX/XX/XXXX to the incorrect/incomplete address as my unit number XXXX wasnt included in the mailing address ( see attached documents ). 

-Missing Payment History The account was charged off in XX/XX/XXXX. The Payment history status for XXXX does not accurately report this charge off status for the month of XX/XX/XXXX. 

-Inaccurate Foreclosure History On XX/XX/XXXX the companys representative XXXX stated that the account was successfully foreclosed as of XX/XX/XXXX, my credit history also reflects this FS status for XX/XX/XXXX. This is inaccurate as the companys attorney requested the claim be dismissed on XX/XX/XXXX ( see attachment ). 

-Inaccurate Current Balance I have been told the {$440.00} balance reflecting on credit reporting is foreclosure fees. However, the foreclosure proceedings were dismissed without prejudice due to the balance already being charged off. These {$440.00} of foreclosure charges also arent viable as I never received periodic statements properly to warrant any late payment. The charge off amount provided by the company was also to include all and any outstanding charges and fees.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I have contacted XXXX mortgage on multiple occasions via phone throughout XXXX and XXXX of XXXX. I was instructed to email my dispute complaint to them on XX/XX/XXXX. I did so on XX/XX/XXXX and never received a response. 


-Periodic Statement Requirement In accordance with XXXX the creditor was required to send me periodic billing statements at for each billing cycle. The lender failed to do so as I never properly received account statements. Upon checking the statement history it has been confirmed that despite providing the company with my correct address they failed to include XXXX XXXX within the address line and as a result the mailed statements from XXXX XXXX XX/XX/XXXX to the incorrect/incomplete address as my unit number XXXX wasnt included in the mailing address ( see attached documents ). 

-Missing Payment History The account was charged off in XX/XX/XXXX. The XXXX history status for XXXX does not accurately report this charge off status for the month of XX/XX/XXXX. 

XXXX Foreclosure XXXX On XX/XX/XXXX the companys representative XXXX XXXX that the account was successfully foreclosed as of XX/XX/XXXX, my credit history also reflects this FS status for XX/XX/XXXX. This is inaccurate as the companys attorney requested the claim be dismissed on XX/XX/XXXX ( see attachment ). 

-Inaccurate Current Balance I have been told the {$440.00} balance reflecting on credit reporting is foreclosure fees. However, the foreclosure proceedings were dismissed without prejudice due to the balance already being charged off. These {$440.00} of foreclosure charges also arent viable as I never received periodic statements properly to warrant any late payment. The charge off amount provided by the company was also to include all and any outstanding charges and fees.

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 2025-01-10 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: NJ

Complaint narrative:
I noticed that inaccurate accounts are showing up on my credit report this morning and I have no idea why. I just checked my credit report as I usually do but this time there were discrepancies out of nowhere. I tried refreshing my browser to see if it was just a glitch or something but it was not. The inaccurate accounts did not get removed when I refreshed my browser. Because of this issue, I am asking that the documents I've sent will be checked thoroughly so that I can never worry again about this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have been getting frequent calls daily from debt several different companies ( or scammers ) offering debt loans relief, student loan relief, underwriting teams (? ), debt collection agencies that wont tell me who they represent. My checking account was compromised twice in XXXX. My data was leaked to the dark web, according to my credit report. And my payments were delayed ( late ) because of this which had a domino effect. My credit score went down XXXX points. I believe due to the major data leak in 2024, all of my personal information was used against me. I have not been able to bring my credit score up because the damage was major. It is an FCRA violation ; my information was not protected and I can not account for people using my identity, increasing debt, and negatively impacting my credit score.

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 2025-01-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: MO

Complaint narrative:
I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: TX

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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 2025-01-10 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: NV

Complaint narrative:
I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or remove. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX Balance Owed : {$19000.00} XXXX XXXX  XXXX Balance Owed : {$5700.00} XXXX XXXX XXXX XXXX Owed : {$2200.00} XXXX  XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX : {$11000.00} XXXXXXXX XXXX XXXX Balance Owed : {$19000.00} XXXXXXXX XXXX XXXX  Balance Owed : {$5700.00} XXXX XXXX XXXX Balance Owed : {$2200.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/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 explanation
Consumer complaint received 2025-01-10 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: DE

Complaint narrative:
Iam writing to formally report a case of identity theft and the exposure of my personal information stemming from a data breach. i have taken steps to mitigate the damage, however I am extremely concerned that despite my efforts to secure my personal information, unauthorized actions have been allowed to affect my credit history. My personal data was compromised in a security breach. Consequently, this led to unauthorized accounts and inquiries being added to my credit report. Currently stopping me from buying a home and ruining my life, currently pregnant and not able to get a bigger home for my twins. Im due to have them in 2 months. My XXXX  is in the military so Im alone and having my credit ruined by thieves and it's overwhelming seeking further assistance from the FTC to address and resolve this matter. These unauthorized accounts consist of XXXX XXXX XXXX opened XX/XX/XXXX acct # XXXX, XXXX  XXXX with a balnce of XXXX opened XX/XX/XXXX acct # XXXX, XXXX XXXX balance XXXX opened XX/XX/XXXX acct # XXXX, XXXX  XXXX bal XXXX opened XX/XX/XXXX acct # XXXX, XXXX  XXXX with a bal of {$1000.00} opened XX/XX/XXXX acct # XXXX, XXXX  bal {$9300.00} opened XX/XX/XXXX acct # XXXX, XXXX federal opened XX/XX/XXXX with balance {$9100.00} acct # XXXX These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. 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 US 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 explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
On XX/XX/year>, I received notification from XXXX XXXX that my homeowner 's insurance policy had lapsed and that my home was uninsured. Upon calling them they informed me that my payment was due on XX/XX/XXXX and that they received payment from Mr. Cooper Escrow on XX/XX/XXXX. Their policy did not have a grace period and my coverage was terminated. Upon calling Mr. Cooper, whom this complaint is against, they stated that they sent the check out on XX/XX/XXXX. I called XXXX XXXX again with a Mr. Cooper representative on the line and again the insurance said my policy was cancelled and they would not reinstate it. The agent from Mr. Cooper said that it was my responsibility to find new coverage. This all happened while I was at work so I had to leave XXXX hours early to address this. Mr. Cooper 's response of " find new coverage '' is unacceptable. I pay them on time every month and it is their responsibility to pay my insurance on time as well. On a side note, it is nearly impossible to get a human at Mr. Cooper. I had to pretend I was defaulting on my mortgage to be transferred out of the never-ending phone tree and speak to a human.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: HI

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done online without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Im tired of fighting against the same errors that keep appearing on my report. These inaccuracies are more than just an inconveniencetheyre actively hurting my score and depriving me of opportunities Ive worked hard to earn. Its incredibly frustrating to feel like Im being punished unfairly because of mistakes that I didnt make.

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 2025-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
XXXX XXXX XXXX  is failing to close my account, after restricting my account and stating it was going to be closed soon. I have yet to be notified about anything. It's been almost XXXX  months with no replies or explanations. My money is currently no where to be found nor sent out. It's just frustrating to be going through these things.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: MI

Complaint narrative:
I am filing this complaint against TransUnion regarding multiple unresolved and inaccurate items on my credit report. These errors include incomplete and inconsistent reporting, as well as an unverifiable bankruptcy record. Despite previous disputes, these issues remain unresolved. Below are the details of the items and reasons for my complaint : XXXX. XXXX XXXX Account # XXXX : A late payment is reported for XX/XX/XXXX. I request that TransUnion contact the original creditor and verify this information. If it can not be verified, the late payment must be removed to reflect an on-time payment. XXXX. XXXX XXXX XXXX Reference # XXXX : In your response dated XX/XX/XXXX, you stated, We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE. However, TransUnion failed to provide specific details about its investigation, including : -The date the furnisher was contacted. -The person who verified the item. -The method of communication used for verification. -The personal information the furnisher used to confirm the public records accuracy. Due to the lack of a proper investigation, I demand the immediate and permanent removal of this XXXX XXXX XXXX from my credit report. XXXX. Unrecognized Inquiries : The following inquiries are unauthorized and must be removed from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-01-10 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX charged off {$690.00} XXXX XXXX XXXX  account is closed paid in full XXXX balance. 

XXXX XXXX XXXX account charge off ending balance {$8300.00} XXXX XXXX XXXX- debt buyer account charge off {$540.00} Under the law 15 USC 1692C ( c ). If a consumer notifies a debt collector that the consumer refuses to pay a debt, the debt collector must cease all communication.

I have not supplied proof under the doctrine of estoppel by silence Engelhardt v Gravens ( mo ) 281 SW 715,719, I presume that no proof of the allege a debt, nor therefore any such debt, in fact therefore exists.

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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally dispute the accuracy of the bankruptcy information reported on my credit report. According to my records, the state court responsible for handling my bankruptcy case did not provide my information to be reported to your agency. As such, I believe this information has been included on my credit report in error. 
Details of the disputed item are as follows : Filing Date : XXXX XXXXourt Name : XXXX XXXX XXXX, XXXX GA This inaccurate reporting is causing significant harm to my creditworthiness, and I kindly request that you investigate this matter promptly. Please verify this information directly with the court listed above and remove the bankruptcy entry from my credit report if it can not be substantiated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: LA

Complaint narrative:
I received a letter in the mail stating that a company system had been hacked and my information was stolen. I decided to do a credit report on myself and I noticed a few inquiries on my credit report that I did not authorize. I have filed an identity theft report XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-01-10 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: PA

Complaint narrative:
My account with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief