vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-27 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: NC

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 explanation
Consumer complaint received 2025-01-27 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: NY

Complaint narrative:
Having the same issue with Trans Union that is currently going on with what CFPB is suing XXXX for. 
I ordered my credit report for review. ( XXXX ) I contacted Trans Union by phone to dispute the accuracy on my credit report against XXXX XXXX .After waiting the allotted time I called and found out the representative never put the complaint in. 
After making the complaint again, I received a response dated XXXX was not to my satisfaction. 
I called again and found out that they never conveyed what I was disputing correctly. 
Trans Union also improperly reinserted inaccurate information.It failed to match newly reported information with recorded previously deleted information. 
It was also confusing and they could not answer questions I asked about the results.

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 2025-01-27 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: TRANSWORLD SYSTEMS INC
State: SC

Complaint narrative:
This company is breaking the law by failing to provide proper validation. Details as required under 15 USA 1692G. Despite this, they've added a collection to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: VALLEY NATIONAL BANCORP
State: NJ

Complaint narrative:
On XX/XX/XXXX I went to valley national Bank XXXX XXXX New Jersey I contacted XXXX XXXX XXXX. As I walked in manager already realize I received a letter by mistake and that that was the reason I was there. But since this is not the first time I received letter by mistakes at this moment I want a reevaluation of my entire mortgage. I know the manager don't deal directly with the mortgage department and he is trying to do everything on his hand to get everything fixed. I am tired of receiving letters of not receiving payment, payment is late, payment is still in suspend because they can allocate where to post my payment and now a letter telling me that I haven't paid my mortgage for 6 months. This is an ongoing situation for years in which I am trying to resolve now once and for all. The trust that I had in this Bank is no longer in me, therefore I really want a completely reevaluation of my mortgage in writing. I want to make sure everything is order. Computers don't do mistake but humans do. 
I will appreciate any help that I can get from you. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 

The account in question is XXXX XXXX XXXX  on behalf of XXXX XXXX XXXX XXXX XXXX I provided the apartment complex with a 60 day notice prior to moving out due to purchasing a home. I also paid the reletting fee and ensured the unit was cleaned prior to my departure ( I have documentation of this ). The apartment complex claims I never paid them and proceeded to put a balance on my credit report that I do not owe. I have fought this matter tiredlessly and it has begun to affect my emotional being and cause extreme distress. This violates my consumer rights under the FCRA. I am requesting this item be removed and I am moving forward with filing a complaint with the FTC, attorney general and a civil suit in XXXX XXXX XXXX for punitive damages.

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 2025-01-27 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is ( XXXX ), filed on ( XX/XX/XXXX ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : XXXX XXXX : XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 :

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 2025-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ACIMA CREDIT, LLC
State: GA

Complaint narrative:
I have reached out to then to come and pick up these things. I also have insurance and apprently they aren't compliant and sending this information over, Won't hand over the information in regards to the benefits within the contract. I have also seen where there is a class action lawsuit, I have also asked for a copy of the contract which they fail to send.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
After XX/XX/XXXX XXXX Data breach I biggening receiving number of phone calls from companies that I never have any account with, Now after XX/XX/XXXX I beginning receiving a letter and collections call. After resent pulling copy of credit report I discovered that my Identity had been stolen as result of data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
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 2025-01-27 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: NV

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.

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 2025-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I purchased a home in XXXX of XXXX and sold my current home. Once my current home sold I applied the funds received toward my new mortgage in the form of a recast to lower my payment and remove the PMI. My mortgage has been sold and transferred to different servicing agencies more than once. My original loan servicer agreed to remove the PMI and lowered my payment. My loan was transferred to another servicing company and the PMI was still being taken from my escrow account. I called and they agreed to remove the PMI again and lowered my payment. I also sent a letter asking for an investigation into my account for all the hassle it took for me to have this simple process done after calling multiple times without success. They sent a letter stating they received my letter and would look into it. I received another letter asking for more time to investigate. I have been transferred multiple times and have a hard time speaking to a supervisor. I received a letter recently stating my loan was being transferred to another servicing company as of XX/XX/XXXX. I called today and was on the phone for two hours with no success on the refund to my escrow of the PMI that was taken in error. One service agent admitted she saw a note in my account that the escrow was taken in error and was going to be refunded. She said the note was from XXXX but it said that it was in process still. She told me I need to speak with the insurance department. The insurance department said I needed to speak with customer service. I was transferred to customer service and the young man would not listen to me and was talking over me. I asked for a supervisor and she did the same although I am not certain she was actually a supervisor. I asked for a call from a supervisor and she said if the dont call in the next couple days to just call back. It is extremely difficult to get a service agent on the line so this is very frustrating after two hours on the phone with no success. My loan will service will change again as of XX/XX/XXXX and I am afraid I will need to still fight with the new company. My escrow will be short from this error because they lowered the payment twice. One from the old company and one with this company but still took the PMI payments from the escrow. Most agents I talk to are rude and will not help. I ask for a supervisor and am told I will have to wait for a call and if they dont call to call again. Calling and trying to get an agent is almost impossible as the phone system does not work correctly. I am beyond frustrated at this point and need help with this issue.

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 monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Recently the CFPB fined XXXX XXXX Million Dollars for failure to conduct proper investigations of consumer disputes. The CFPB found XXXX ignored consumer documents and evidence submitted with disputes. 

There is a bankruptcy appearing in my Credit report. I disputed this item with TransUnion and the XXXX XXXX XXXX XXXX. The XXXX XXXX, XXXX XXXX agreed, removed the item and provided me with written proof. ( see attached ). To spite written proof from the XXXX XXXX, TransUnion did not remove the item. I submitted a request for a reinvestigation. I requested evidence ( physically verifiable ) that they verified the information to be accurate and compliant. TransUnion verified the information via a third party other than the Original data furnisher and ignored the 100 % verifiable proof from the Data Furnisher that the item was inaccurate and should be removed. This is the exact conduct that led the CFPB to fine XXXX XXXX XXXX dollars.

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 2025-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: NEW YORK COMMUNITY BANCORP INC
State: AL

Complaint narrative:
When setting up payments on this brand new loan in the year 2019, XXXX charged us a late fee. We called. They recognized that this was not legal and remove the late fee. Recently our loan was purchased by a new company, XXXX XXXX, and for some reason the late fee reappeared right as the loan was being transferred. XXXX XXXX is now trying to collect it. XXXX, when I called did not acknowledge that there were any late fees due on the account. However, I initiated a complaint with cfpb and XXXX provided information about the late fee. Everybody is pointing at each other and I'm left being told I have to pay an extra {$100.00} for no good reason. I want this late fee removed

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 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I sent a handwritten letter by certified mail to experian, it included some accounts I wanted verified or removed, I included a a signed and notarized copy of my social security card and state ID. They sent a letter back saying they received a request that doesn't look to be sent by me or authorized by me, and left a number for me to call, when I called the lady informed me that they weren't going to honor my request and she couldn't disclose what security protocol I failed to meet which caused their letter to be generated. Then she went on to say I could dispute place my dispute in over the phone, when I informed her that wasn't a feasible method for me she told me to write another letter and send it, I asked her what would be the difference in how they handled the second letter compared to the first being that they would be the same letter. She said she couldn't disclose that information to me. I tried disputing the accounts online and nothing was physically verified so I wrote a letter to request verification. I sent a notarized copy of my state ID and social security card to prove my identity, so there shouldn't be a problem with that.

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 2025-01-27 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: NV

Complaint narrative:
I had moved about two years ago got a no causes eviction fine but we moved out by the 30days they locked us out the account within a week than never heard from them again about a year later we got on r credit report a debit for XXXX dollars from a company that bought the debit from desert reality realtor but they never sent us a reason for these charges n to do so they have to first notify us of these charge per nv law

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 2025-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: CA

Complaint narrative:
XXXX XXXX and XXXX evidently opened a utility account in my name that I didn't not authorize and was unaware of. Nor have I ever resided at the address associated with this account. I only found out about this when a collections for {$1500.00} showed up on my credit report on XXXX. I have never been contacted by XXXX XXXX XXXX or the collection agency ( Harris and Harris ) about this debt, in writing or otherwise. XXXX XXXX XXXX  is refusing to correct their error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: GA

Complaint narrative:
To whom it may concern As of XX/XX/XXXX I'm writing this letter to inform you that I Checked. My credit report with XXXX, transunion and XXXX. 
And the information on each of them is not correct. Neither of them has the same information. The dates and the amounts are Wrong and I who you can help me out with this please so the can get this correct as so as possible or remove it from my report. 
Thank you faithfully If you have any questions don't fall to get in contact with me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: GA

Complaint narrative:
To whom it may concern As of XX/XX/XXXX I'm writing this letter to inform you that I Checked. My credit report with Equifax, XXXX and XXXX. 
And the information on each of them is not correct. Neither of them has the same information. The dates and the amounts are Wrong and I who you can help me out with this please so the can get this correct as so as possible or remove it from my report. 
Thank you faithfully If you have any questions don't fall to get in contact with me.

Company response to consumer: Closed with explanation