vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Whom It May Concern, I am submitting this formal complaint regarding fraudulent accounts wrongfully placed on my credit report, which directly stem from my personal information being compromised in the widely publicized 2017 data breach. These accounts were fraudulently opened in my name without my knowledge or consent, and the resulting damage to my credit and financial standing is wholly unacceptable. This is a serious identity theft matter, and I am formally asserting my rights under 15 U.S.C. 1681c-2 and 15 U.S.C. 1681s-2. You are required by federal law to act swiftly and decisively to resolve this issue. The fraudulent accounts include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in unauthorized hard inquiries, adverse collection actions, and irreparable harm to my financial reputation. The burden of these fraudulent activities is not mine to bear, and the delay in addressing them is inexcusable. Under 15 U.S.C. 1681c-2, you are legally obligated to remove and block this fraudulent information from my credit report within XXXX ( XXXX ) business days of this notice. Additionally, 15 U.S.C. 1681s-2 mandates the immediate cessation of all collection activity related to these accounts. These laws are not optional, and I will not tolerate any further delay or negligence on your part. You should be fully aware that this situation arises from your failure to protect consumer data during the XXXX  breach. This is not just an issue of fraudit is a consequence of your gross negligence, and you bear full responsibility for resolving it. Failure to comply will have severe consequences. This is a final demand for immediate and complete resolution. I expect written confirmation within the required timeframe that : The fraudulent accounts have been removed and blocked from my credit report. All collection activities related to these accounts have ceased.

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 2025-04-02 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: FL

Complaint narrative:
I am submitting this formal complaint against XXXX XXXX and the credit reporting agencies for their failure to accurately report and verify the information related to an account on my credit report. Despite my attempts to dispute the inaccuracies directly with the credit bureaus, the erroneous information remains on my report, negatively impacting my credit profile. 

The disputed account details are as follows : Creditor : XXXX XXXX Account Number : XXXX Reported Status : Charged-off with a written-off balance of {$5200.00} Original Balance : {$4900.00} Status Updated : XX/XX/year> have challenged the legitimacy of the charge-off status, the inconsistencies in the balance amounts, and potential discrepancies in reporting dates. Under the Fair Credit Reporting Act ( FCRA ), credit bureaus and creditors are required to ensure all reported information is accurate and verifiable. If they fail to provide evidence supporting the accuracy of this account, they are legally obligated to remove it from my report. 

Despite my formal dispute and demand for verification, neither XXXX XXXX nor the credit bureaus have provided satisfactory documentation proving the validity of this account. Their failure to investigate and correct the inaccuracies constitutes a violation of federal law, and I am seeking the CFPBs intervention to hold these entities accountable.

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 2025-04-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Click n' Close, Inc.
State: MI

Complaint narrative:
Click N Close incorrectly handled our escrow account. We received notice that over the past year our account accumulated an escrow shortage of {$3800.00}. Upon closer look, Click N Close was only charging us {$120.00}, as opposed to the {$350.00} that was shown on our closing statement. We had a subsidy amount of {$220.00}, which should have been applied to our interest. Click N close instead applied it to our escrow, which led to the large shortage.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I called to let them know. The only address that I have lived at that is valid is XXXX XXXX XXXX XXXX XXXX XXXX. They refused to remove all of the other addresses, saying the creditors are reporting it. The addresses that they are listing I have never lived at. I bought rental property so the addresses belong to renters. So, even if the mortgage company is reporting it as an address does not mean I live there. They have had a breach with their system and I have been a victim of identity theft. I want the other addresses removed immediately! I also want any phone numbers taken off of my reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Block, Inc.
State: AR

Complaint narrative:
I have a business account with cash app and a personal account. I tried getting money from a teller and it was down so I reported the incident because the teller said i got the XXXX but i didnt. Then my income tax came to my business cash app i have XXXX left on it and they closed both my accounts and is refusing to help me get my money from them. This has been going on tge whole montg of XXXX and I just need my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
XX/XX/year> To Whom It May Concern : I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and request an immediate investigation. Please remove the fraudulent information immediately from my file. 
Accounts : XXXX BANK OF AMERICA XXXX XXXX XXXXBANK OF AMERICA XXXX XXXX XXXX BANK OF AMERICA # XXXX XXXXBANK OF AMERICA # 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 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I am filing a complaint regarding identity theft that has resulted in unauthorized accounts and credit inquiries appearing on my credit report. These actions violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 609, 604, 611, and 605A.

Section 609 of the FCRA requires that credit reporting agencies ensure the accuracy of the information in my credit report and make it available to me upon request. The fraudulent accounts that have been opened in my name are inaccurate, and the credit bureaus have not removed them after my disputes. 

Section 604 of the FCRA states that credit reports may only be accessed with my consent or for certain permissible purposes. Unauthorized credit inquiries have been made by companies I do not recognize or have not authorized.

Section 611 of the FCRA mandates that credit reporting agencies investigate disputes in a timely manner ( within XXXX  days ) and correct any inaccuracies. Despite my attempts to dispute these fraudulent accounts and inquiries, they remain unresolved. 

Section 605A of the FCRA allows consumers to place fraud alerts or credit freezes to prevent further unauthorized access to their credit reports. I have taken these actions, but the fraudulent information continues to persist. 

Despite my efforts to resolve this issue, these fraudulent items remain on my credit report and continue to harm my credit score and financial stability. I am seeking assistance from the CFPB to enforce my rights under the FCRA and ensure the credit reporting agencies comply with their legal obligations to correct theseinaccuracies.

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 2025-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase/Explorer card tied to XXXX XXXX XXXX 

On XXXX XXXX, I received an email telling me that I was now the " lucky recipient '' of wonderful new " benefits '' on my credit card. I did not request, don't want, and will never use these so called new " benefits ''. ( They are not consistent with my spending habits. ) For all of these " benefits '' my annual fee will be increased by a whopping XXXX XXXX 

I am a retired XXXX old, living on pretty much of a fixed budget, and I am outraged that any annual fee would be increased by that much. 

When I called them, the reply I got ( from the person answering the phone ), was that they could do nothing. The tone of voice was more like " XXXX XXXX XXXX XXXX, we don't care ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: OpenRoad Lending
State: CA

Complaint narrative:
They have problems with XXXX XXXX XXXX about the title

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
i just realized that i have another account onmy credit report caused by identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
i just realized that i have another account onmy credit report caused by identity theft

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 2025-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
Contacted agency in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Requested verification of account be mailed to me which has not happened at any point. XXXX account currently shows on credit report as LVNV Funding LLC, when contacted they stated that they manage the account but do not own it ( asked for written documentation, they are unable to provide ). I was told that a company called Resurgence owned the account and was given the same XXXX number I originally called. I was then " transferred '' to Resurgence and they stated that they do not own the account but another company called " XXXX? '' owned the account. When XXXX was contacted I requested written documentation from they to verify ownership. I have not received even though I have requested numerous times. Disputed with XXXX XXXX and XXXX of XXXX, they refuse to remove since it is a " verified '' account in collections. I can not pay an account that a company will not provide proof of ownership of and will not send supporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Movement Mortgage LLC
State: TX

Complaint narrative:
On XX/XX/XXXX, I received an alert from my credit monitoring company that a late mortgage payment was received for more than XXXX  days delinquent. I immediately contacted the mortgage company to investigate. I was advised that I failed to make a payment timely, which I knew didn't seem right. However, to address the credit concern, I requested a goodwill request to waive the late payment since it had already been made. In addition, I went back to research my records and was able to locate where I had actually made the payment through the phone due to the portal being down. I called back and requested that they look into this. It was assigned to a rep on XX/XX/XXXX to investigate. I was requested to provide documents to support my payment, which I provided the transaction ID, a copy of my statement showing the payment was deducted, as well as the transaction history. The XXXX ( XXXX XXXX ) confirmed that the payment had been made to the incorrect account by the Movement Mortgage phone agent. She advised that she take this information and get it resolved. Since then, I have not heard anything back from her. on XX/XX/year> I was requested to send over the same documents again, but by a different person other than XXXX, which I did. Since then, I have followed up daily ( via email and phone ) on a status and have not received a response. I have only been advised that someone will call me back in XXXX hours, which they have not. At this point I am very concerned, as my credit score has tanked with this late payment, and it is impacting my ability to finance and this is not being investigated or resolved with urgency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
My personal information was exposed in a data breach. These accounts do not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
My personal information was exposed in a data breach. These accounts do not belong 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 non-monetary relief
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
My name is not XXXX XXXX XXXX Ive never stated in Texas, North Carolina or XXXX XXXX XXXX XXXXXXXX of those items are not mines and Experian is not allowing me to dispute anything off my report Ive called and nobody at the bureaus responded please resolve 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 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
My name is not XXXX XXXX XXXX Ive never stated in Texas, North Carolina or XXXX XXXX XXXX XXXXXXXX of those items are not mines and Experian is not allowing me to dispute anything off my report Ive called and nobody at the bureaus responded please resolve this matter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Monterey Financial Services LLC
State: TX

Complaint narrative:
Monterey Financial Services, XXXX is reporting an unverified debt on my credit report, despite failing to provide proper validation. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), any reported debt must be accurate, verifiable, and lawfully collected. This alleged debt does not meet those standards. The original creditor was already notified that this debt does not belong to me. The account is listed as a joint account, and I have not given consent or authorized an account with either the original creditor or collection agency. 

Additionally, Monterey Financial Services, LLCs right to transact business in the state of Texas has been forfeited, rendering them legally incapable of collecting or reporting this debt. Documentation proving this forfeiture is attached. Furthermore, the original creditor listed also has an inactive business registration and has lost its right to transact or sell debts. The fact that both entities have forfeited business privileges raises serious concerns about potential fraudulent or illegal collection practices. 

Moreover, the account opening date is listed as XX/XX/year>, meaning the collection account has reached an age where it should no longer be reported under applicable credit reporting guidelines. 

Given these violations, I am formally ordering a cease-and-desist regarding any further collection or reporting of this account. Monterey Financial Services, LLC must immediately delete this account from my credit report or face legal action for violations of the FCRA and FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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:
In XX/XX/year>, I applied for an IDR plan with XXXX loan servicing company upon receipt of my application my loans were supposed to go into forbearance until the application had been approved. Upon speaking with an agent from XXXX today, they stated they were indeed supposed to be in forbearance and not reported as late. The agent stated they will make sure to place the loans into forbearance and correct my credit history. Please see attached documentation below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In XX/XX/year>, I applied for an IDR plan with XXXX loan servicing company upon receipt of my application my loans were supposed to go into forbearance until the application had been approved. Upon speaking with an agent from XXXX today, they stated they were indeed supposed to be in forbearance and not reported as late. The agent stated they will make sure to place the loans into forbearance and correct my credit history. Please see attached documentation below.

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 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On Tuesday XX/XX/year> at XXXX XXXX I placed a call to Experian XXXX XXXX to place a security freeze. The computerized call operator stated I could only do so online or by mail. XXXX states I can place a freeze at Experian by phone. The Experian website states that I can place a freeze by phone. However, one can not place a freeze by phone.

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 2025-04-01 00:00:00
Product: Prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Blackhawk Network Holdings Inc.

Complaint narrative:
I called today, XX/XX/year>, to check why the card had not been received and was surprised to learn that my case had been reversed and was now considered unresolved, with no coverage for my lost funds. 

After a lengthy discussion with the agent and their supervisor, I informed them that if the issue was not rectified, I would contact Federal Trade Commission ( FTC.GOV ), the XXXX XXXX XXXX XXXX XXXX, and the XXXX XXXX XXXX,, as their handling of the situation seemed inappropriate. 

I have opened a dispute with the Consumer Financial Protection Bureau to give XXXX XXXX XXXX final opportunity to address this matter. I will attach a copy of the resolution email and expect prompt action. 

Do not play nasty games with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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