vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: BROKER SOLUTIONS, INC.
State: FL

Complaint narrative:
- Broker Solutions Inc. DBA New American Funding ISAOA has been falsely identifying themselves as my loan mortgage company to my home insurance company XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX until XX/XX/XXXX. 
- My current loan mortgage company called XXXX, a trade of XXXX, bought my loan mortgage policy from Broker Solution in XXXX of XXXX. 
- I pay escrow which includes principal, interest, taxes, XXXX, and homeowners insurance. I have asked all companies to send me proof of payment showing proof of payment for my homeowners insurance - which they are not able to provide and have yet to provide to me. 
- This is caused a major financial stress and increase in monthly mortgage payment, escrow, property taxes, and unexplainable discrepancies on my mortgage statements and paperwork in which the company is not able to provide proof of nor explanations. 

Broker Solutions Inc. DBA New American Funding ISAOA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NMLS XXXX Complaint Response Manager XXXX EXT XXXX Office

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: IL

Complaint narrative:
I received a copy of my credit report and found the following item ( s ) to be in error : 1. INACCURATE Direct VIOLATION 15 USC 1666B Billing ERROR % XXXX UPDATE ACCT TO PAID AS AGREED XXXX  Account Number : XXXX XXXX. INACCURATE Direct VIOLATION 15 USC 1666B Billing ERROR % XXXX UPDATE ACCT TO PAID AS AGREED XXXX  Account Number : XXXX XXXX. INACCURATE Direct VIOLATION 15 USC 1666B Billing ERROR % XXXX UPDATE ACCT TO PAID AS AGREED XXXX  Account Number : XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 
1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I received a copy of my credit report and found the following item ( s ) to be in error : 1. INACCURATE Direct VIOLATION 15 USC 1666B Billing ERROR % XXXX UPDATE ACCT TO PAID AS AGREED XXXX  Account Number : XXXX XXXX. INACCURATE Direct VIOLATION 15 USC 1666B Billing ERROR % XXXX UPDATE ACCT TO PAID AS AGREED XXXX  Account Number : XXXX XXXX. INACCURATE Direct VIOLATION 15 USC 1666B Billing ERROR % XXXX UPDATE ACCT TO PAID AS AGREED XXXX  Account Number : XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 
1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in 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 2025-04-03 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: MS

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
Consumer complaint received 2025-04-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Law Office of Brett M. Borland, P.C.
State: TX

Complaint narrative:
I was never on the lease for the apartment in question, nor was I a resident at the property. 

Despite this, a collection account tied to that lease has appeared under my Social Security number. I believe this may be due to an administrative error or misrepresentation during the leasing process. This issue only recently came to my attention when I applied for a new apartment and was flagged due to this false rental debt.

I do not have the exact amount of the alleged balance, but I am requesting full documentation showing : The name ( s ) on the original lease The basis for associating this account with my Social Security number Any payment history tied to my identity To date, I have taken the following steps : Contacted XXXX XXXX via email ( XX/XX/year> ), XXXX XXXX XXXX XXXX and Brett & Borland Law Firm PC to dispute the validity of this debt Begun preparing supporting documentation, including proof that I was not listed on the lease Initiated a request for validation of debt if handled by a third-party collection agency This false information is seriously impacting my ability to secure housing. I request that this error be investigated immediately and corrected with all relevant bureaus and databases.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Telfono : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX with Social Security Number XXXX, a resident of XXXX XXXX XXXX, XXXX, TX XXXX, submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 

Affidavit : 1- Applicant Identification : Full Name : XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXXXXXX  Current Address : XXXX XXXX XXXX , XXXX, TX XXXX 1. Security Freeze Request : a. I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
b. This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
2. Attached Documentation : I have attached the following documents to verify my identity and process my request : a. A copy of my drivers license or government-issued ID. 
b. A copy of a recent utility bill or bank statement confirming my current address. 
c. A copy of my Social Security Number. 
3. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
4. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 

Sincerely, 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 2025-04-03 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: CA

Complaint narrative:
There are multiple inaccuracies on my credit report that must be removed without delay. Some contain incorrect details that do not match my records, others are entirely unfamiliar, and several have been reported without proper verification. These discrepancies violate the FCRA, which requires all information to be 100 % accurate and backed by legitimate documentation. 

To resolve this matter fairly, I demand that all inaccurate items be permanently removed from my credit report. If the reporting entities can not provide legitimate proof confirming their accuracy, they have no legal right to remain on my file. I expect immediate corrective action to restore the integrity of my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: FL

Complaint narrative:
I was told while they was doing my dispute that I will get a {$390.00} credit from XXXX today on my account and I did not receive it and Im looking forward to that money today because I really need it. You can call me at XXXX please, as soon as possible this is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: LA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX - Date Opened 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 2025-04-03 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: NY

Complaint narrative:
Kindly remove the unauthorized accounts from my credit report at your earliest convenience. I did not authorize or recognize these accounts, and their origin is unknown to me. Per USC 1681g, I am requesting their deletion within the next 15 days. The attached documents provide relevant details for your review. Furthermore, discrepancies exist in how the accounts are reported to each credit bureau.

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 2025-04-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: MO

Complaint narrative:
On XX/XX/XXXX {$780.00} was fraudulently taken out of my account on XX/XX/XXXX {$490.00} was fraudulently taken out of my account. I was told in XXXX to file a police report I did was denied getting my money back cause not enough information was given. On XX/XX/XXXX again {$1100.00} was fraudulently taken out of my account again I disputed my account am waiting on a response. Someone linked a XXXX XXXX XXXX XXXX XXXX to my account without my knowledge XXXX unlinked it then in XXXX they relinked it. I have {$2400.00} total taken from me that I want returned if u could help me get it all back I would greatly appreciate it Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I recently noticed on my credit report information that is inaccurate and does not belong to me as i believe i am a victim of identity theft. I would like to all fraudulent accounts removed from my report. As this is impacting and hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: Experian Information Solutions Inc.
State: VT

Complaint narrative:
Requested method used to verify and validate debt and never received. Medical debt is being reported on my credit report which is a violation.

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 2025-04-03 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: VT

Complaint narrative:
Requested method used to verify and validate debt and never received. Medical debt is being reported on my credit report which is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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:
Dear Consumer Financial Protection Bureau, I've been attempting to resolve this matter with Experian Credit Report for some time. Recently, Some time in XX/XX/year>, I wrote a letter to Experian requesting that they remove some incorrect information from my credit report. 

Each time I sent in a request and or a dispute, nothing was done! On XX/XX/year>, I received an email saying that my report dispute has been updated. And upon checking nothing has changed. 

What I've been requesting to have removed is still on my credit report. There are several items on my report that do not belong to me. My Experian report is reporting an incorrect spelling of my name, that is attached to a collections agency. There's also an incorrect social security number attached to my Experian Report. There is also items being reported that does not belong to me. 
Again, I have tried on numerous occasions to resolve this matter with Experian. I am not sure if I am doing something wrong or not. I have sent in documentation ( a copy of my drivers license and a copy of my social security card ) to show my address, the correct spelling of my name, and social security number. At this point, I feel hopeless. I don't know what else to do. For verification purposes, I am attaching a copy of my Experian credit report to this complaint, along with my drivers license and social security card.

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 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion and XXXX are reporting an account on my credit report that does not belong to me. I have attached the response from the collection agency stating that they have ceased collection on this account and informed the bureaus to remove the account. XXXX has already removed this account. Delete the following unverified account from my credit report 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 2025-04-03 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: TX

Complaint narrative:
As per guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from the advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX 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 XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts. XXXX XXXX {$0.00}. XXXX XXXX XXXX BALANCE {$340.00}. XXXX XXXXXXXX XXXX  BALANCE {$13000.00}. DEPT OF ED XXXX {$4500.00}. DEPT OF ED XXXX {$3700.00}. DEPT OF ED XXXX {$3000.00}. XXXX XXXX XXXX  BALANCE {$3900.00}. XXXXXXXX XXXX XXXX  BALANCE {$510.00}. XXXX XXXX XXXX BALANCE {$8800.00}. XXXX XXXX Equifax XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently reviewed my credit report as of XX/XX/XXXX, and noticed several hard inquiries that appear to lack a permissible purpose. I have attached supporting evidence for your reference. 

XXXX. ( XXXX XXXX XXXX XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 U.S. Code 1681b. 

XXXX. ( XXXX XXXX XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 U.S. Code 1681b. 

XXXX. ( XXXX XXXX XXXX XXXX XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 U.S. Code 1681b. 

XXXX. ( XXXX XXXX XXXX  XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 U.S. Code 1681b. 

XXXX. ( XXXX XXXX XXXX XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 U.S. Code 1681b. 

XXXX. ( XXXX XXXX XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 U.S. Code 1681b. 

XXXX. ( XXXX XXXX XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 U.S. Code 1681b. 

XXXX. ( XXXX XXXX XXXX XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 U.S. Code 1681b. 

XXXX. ( XXXX XXXX XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 U.S. Code 1681b.

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 2025-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
**15 U.S. Code 1681i** sets out the procedures and time frames for credit reporting agencies to investigate and resolve disputes over inaccurate information on credit reports. The law ensures that consumers have the right to challenge incorrect information and mandates that credit reporting agencies, as well as data furnishers, take corrective action when necessary.

If a consumers dispute is valid and accurate information is found to be incorrect, the credit reporting agency must correct the consumers report accordingly. If the dispute is not resolved in the consumer 's favor, they can add a statement of dispute to their report explaining the issue. 

This section is critical for maintaining the accuracy and fairness of consumer credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
I been dealing with this situation since XX/XX/year>. I already tired to do a complaint with Cfpb. The case was closed and claimed as resolved. The check i deposited is for my stepmom from the treasury dept. It was cashed but then held. They claimed that a check from santander bank was mailed via usps back to the treasury dept. My stepmom has been in contact with the treasury dept and no check has been received from santander. The Treasury dept said that the initial check was cashed via electronic but santander is claiming that they sent a check thru the mail. Santander bank has been no help at all to resolve this issue and for cashing this check that is not stolen or a fraud. Instead of just not accepting the check. I believe santander did really wrong and here we are on month 3 and nothing has happened.

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