vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-06 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: CA

Complaint narrative:
I am submitting this formal dispute regarding the late payment entries on my credit report : XXXX - XXXX - {$8900.00} These records do not reflect my actual payment history and should be corrected. I have made multiple attempts to get this matter resolved, providing all relevant documentation and following up persistently, yet the errors remain. This situation has not only impacted my financial health but has also caused me a great deal of frustration and stress. 

The Fair Credit Reporting Act ( FCRA ) ensures my right to an accurate credit report. Any incorrect, outdated, or misleading information should be promptly removed or updated. I urge you to take immediate action to correct these records. 

Please prioritize this matter, as these errors are negatively affecting my credit standing. I look forward to your timely response.

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 2025-02-06 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Struggling to pay mortgage — Foreclosure
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Regarding Foreclosure Sale Despite Filed Temporary Restraining Order Dear CFPB, I am writing to file a formal complaint concerning a foreclosure sale that occurred on my property, despite my filing of a Temporary Restraining Order ( TRO ) with the court. This situation has caused significant distress and financial harm, and I believe it warrants your immediate attention. The details of my case are as follows : - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX **Case Number : XXXX **Date TRO Filed : ** XX/XX/XXXX Despite the legal protection provided by the TRO, XXXX proceeded with the foreclosure sale XXXX directly violating the court 's order. This action not only undermines the legal process but also raises serious concerns about XXXX 's compliance with state and federal regulations regarding foreclosure practices. I have made numerous attempts to communicate with XXXX regarding my situation and to seek a resolution, including submitting loss mitigation packets and requesting mediation. However, these efforts have been ignored or denied, leading to this unfortunate outcome. 

I respectfully request that the CFPB investigate this matter, as it reflects poorly on XXXX 's adherence to consumer protection laws and ethical lending practices. It is crucial that consumers are safeguarded from such violations, especially when they are actively seeking to resolve their financial issues through legal channels. Thank you for your attention to this pressing matter. I look forward to your response and any assistance you can provide. 

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 explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Please ensure the unauthorized accounts are blocked and removed from my credit report promptly. I did not initiate these accounts and do not recognize them. Under USC 1681g, I formally request their removal within 15 days. Supporting documents are included for your consideration.

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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
Misusing credit information involves the unauthorized or unethical handling of personal financial data, typically for personal gain or to harm an individuals financial standing. This can include practices such as identity theft, where someone uses another person 's credit details to make fraudulent purchases or apply for loans. Additionally, companies may misuse credit information by selling it to third parties without proper consent, leading to potential privacy violations or targeted marketing that breaches consumer trust. Errors on credit reports can also cause harm if they are not corrected in a timely manner, affecting an individual 's credit score and ability to secure loans or favorable financial terms. The misuse of credit information undermines financial security and personal privacy, posing significant risks to individuals and society as a whole i as a tax paying citizen have been deprived of these rights

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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
MY PERSONAL INFORMATION WAS INVOLVED IN BOTH EQUIFAX AND XXXX DATA BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . 

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION

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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
MY PERSONAL INFORMATION WAS INVOLVED IN BOTH EQUIFAX AND XXXX DATA BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . 

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PLANET HOME LENDING, LLC
State: VA

Complaint narrative:
I received a letter from my mortgage company, Plant Home Lending, requesting proof that I had hazard insurance and telling me they had forced placed insurance put on my account. My home owners insurance was supposed to be paid through escrow by my lender. Upon calling my mortgage lender to find out what happened, they admitted to me that they had all the information about my previous policy but simply did not make the payment for my homeowners insurance and admitted this was just their mistake. Enough time passed and my policy was canceled for non payment. They then put forced placed insurance on my account without notifying me until 11 months later after charging me 4 times what my previous policy would have been. Now as I shop around for a new homeowners insurance policy, I am getting denied by everyone because of the forced placed insurance that I have had. This is going to cause me to pay much more money in homeowners insurance, if I can even get approved, for a mistake that was completely my lenders fault. Absolutely ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
MY PERSONAL INFORMATION WAS INVOLVED IN BOTH EQUIFAX AND XXXX DATA BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . 

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION

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 2025-02-07 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Subject : Formal Dispute Violation of 15 U.S.C. 1681o ( Civil Liability for Negligent Noncompliance ) Dear Equifax Dispute Department, I am formally disputing the inaccurate and unlawful reporting of the collection account listed below : Creditor Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX This account is being reported in violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681o, which holds credit reporting agencies liable for negligent noncompliance. I have previously notified Equifax of inaccuracies regarding this account, yet you have failed to take appropriate corrective action. Your failure to conduct a reasonable investigation and ensure maximum possible accuracy constitutes negligence under the FCRA. 

I demand the immediate removal of this account from my credit file to prevent further harm to my credit standing. If this matter is not resolved promptly, I will have no choice but to explore all available legal remedies, including but not limited to pursuing legal action for damages. 

Please send me written confirmation that this account has been deleted from my credit report. If you verify the account, provide me with a detailed description of your verification process, including the name and contact information of the individual who conducted the investigation. 

I expect a resolution within the legally required 30-day timeframe, as mandated by the FCRA. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: LEXISNEXIS
State: NM

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX, NM XXXX XXXX XXXX Date : XX/XX/year> To : LexisNexis Risk Solutions Consumer Center XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request to Update Public Records with Phone Number Dear LexisNexis Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX, NM XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of XXXX XXXX and would like for all listed accounts to be blocked and deleted company from my information Transunion. Please delete the following accounts. creditor : Account Name : XXXX Account Number : XXXX Reported Balance : {$0.00} Account Name : XXXX Account Number XXXX XXXX Reported Balance : {$8100.00} Account Name : XXXX  Account Number : XXXX XXXX Balance : {$36000.00} Account Name : XXXX Account Number : XXXX Reported Balance XXXX {$15000.00} Account Name : XXXX  Account Number : XXXX Reported Balance : {$24000.00} Account Name : XXXX Account Number : XXXX Reported Balance : {$11000.00} Account Name : XXXX Account Number : XXXX Reported Balance : {$0.00} Account Name : XXXX  Account Number : XXXX Reported Balance : {$11000.00} Account Name : XXXX Account Number : XXXX Reported Balance : {$22000.00} Account Name : XXXX XXXX Account Number : XXXX Reported Balance : {$0.00} Account Name : XXXX Account Number : XXXX Reported Balance : {$22000.00} Account Name : XXXX Account Number : XXXX Reported Balance : {$29000.00} Account Name : XXXX Account Number : XXXX Reported Balance : {$58000.00} Account Name : XXXX Account Number : XXXX Reported Balance : {$21000.00} Account Name : XXXX Account Number : XXXX Reported Balance : {$47000.00} Account Name : XXXX Account Number : XXXX Reported Balance : {$700.00} Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX Balance : {$38000.00} Account Name : XXXX Account Number : XXXX Reported Balance : {$0.00} Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-02-06 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: CA

Complaint narrative:
I am submitting this formal dispute regarding the late payment entries on my credit report : XXXX XXXX - XXXX - {$0.00} These records do not reflect my actual payment history and should be corrected. I have made multiple attempts to get this matter resolved, providing all relevant documentation and following up persistently, yet the errors remain. This situation has not only impacted my financial health but has also caused me a great deal of frustration and stress. 

The Fair Credit Reporting Act ( FCRA ) ensures my right to an accurate credit report. Any incorrect, outdated, or misleading information should be promptly removed or updated. I urge you to take immediate action to correct these records. 

Please prioritize this matter, as these errors are negatively affecting my credit standing. I look forward to your timely response.

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 2025-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
So I wanted to report and bring it to you alls attention that Im trying to open a Secured Credit Card to help improve my credit rating and I keep getting recommended to apply but every time I do they say I cant open an account because of a past credit obligation with them which wasnt up to their standards or practices. The problem comes into play where I NEVER had an account with Capital One. The only tie we have is an account that was fraudulently opened with my credentials and was investigated and also deemed fraud by Capital One themselves and deleted from all my credit reports. The account number is as follows : XXXX An account specialists said that I have no other history other than this fraudulent account which is clearly what you all are using to deny me credit. I did EVERYTHING asked to have my name cleared and the account removed from my credit reports. But now I need the account removed and unattached from my Social Security Number and other identifying information so that I can actually apply for credit. This is unfair and wrong to say the very least. My attorney also said legal action can be bought against Capital One for this as well. Which is an option unless this account is fully unattached from my SSN number immediately. I should be able to apply without a fraudulent account holding me back. Please make this right immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Prosper Marketplace, Inc.
State: PA

Complaint narrative:
I have been paying prosper credit card every month. I have always paid before the due date. due date is the XXXX of every onth, I pay on the XXXX or XXXX of every month, the XXXX card company tried to say I had lat payments, I never had a late payment or a decline payment. I told credit cad company to close account, since they are scamming me on payments, XXXX the refuse to close account then when they finally close account the changed my minimum payment to a higher minimum payment, & they also refuse to send me a statement every month or allow me access to closed account to pay them off. this credit card company is also fraudulently reporting me as having late payment, when in fact I have never had a late payment or a missed payment

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 2025-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
My information was exposed in the XXXX data breach. I do not recognize these hard inquires.

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