vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-25 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: GA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-02-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/year> and XX/XX/year> I received an email that a new inquiry was just added to your credit report. 
I have not requested any bank or credit card applications. I have not provided this information. I have a case with the Police Department where I was a victim of theft in which my personal information was included. An alert has also been placed on my credit reports but at the moment it has not worked, therefore I request that my credit be frozen since these movements are suspicious and I do not want to see my credit affected. At the moment Transunion and Experian obtain this information EMAILS : 1. A new inquiry was just added to your Transunion credit report.

" This could affect your score, but the change will make less of an impact over time.

Be sure to check to see if this information is accurate. If you didn't give anyone permission to check your credit, then you can file a dispute with the credit bureau. '' 2. Note : A lender requested a copy of your credit file. 

Visit the XXXX XXXX XXXX Alerts section to review a recent change in your TransUnion credit report. To protect your privacy, we have not included confidential information in this email. 
Log in soonkeeping an eye on your credit can help defend you from possible fraud or identity theft. They obtained this information.

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 2025-02-25 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX V. XXXX ( 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 2025-02-25 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX V. XXXX ( 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 2025-02-25 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: OH

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX XX/XX/year> [ Recipient Name ] EXPERIAN XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Negligent Noncompliance under 15 U.S. Code 1681o Dear EXPERIAN, I am writing to formally dispute a matter involving negligent noncompliance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681o. This section addresses civil liability for negligent noncompliance by entities that fail to adhere to the provisions set forth by the FCRA. It has come to my attention that several accounts related to my credit report appear to have been handled negligently, resulting in potential violations of the FCRA. 
The following accounts are the subject of this dispute : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( Note : This appears to be a duplicate listing. Please investigate and correct this issue. ) XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX The discrepancies and/or issues with these accounts have led to significant harm in terms of credit reporting and financial stability. As per 15 U.S. Code 1681o, negligence in complying with the FCRA requirements can result in civil liability, including actual damages, statutory damages, and potential punitive damages. The parties listed above have either failed to provide accurate and timely information or have not properly investigated disputes as required by law. 
Specifically, I am requesting that you investigate the following : Incorrect reporting of account information Failure to correct disputed information in a timely manner Failure to update or verify the status of accounts, especially as required by FCRA guidelines I urge you to resolve these disputes and correct the errors associated with these accounts in accordance with the law. If this issue is not resolved within the 30-day investigation period stipulated by the FCRA, I will pursue legal remedies under 15 U.S. Code 1681o, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and potentially seeking civil damages. 
Please confirm receipt of this letter and provide a response outlining the corrective actions your organization will take. You may contact me directly at XXXX XXXX XXXX or XXXX for any additional information or documentation. 
I look forward to your prompt attention to this matter. 
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 2025-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-02-25 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: TX

Complaint narrative:
I reviewed my credit report and noticed I have a fraudulent account on my report ( XXXX XXXX XXXX ) Acct # XXXX {$640.00}. Please remove this account from my credit report because is hurting my ability to obtain credit. FTC ID Theft Report Number : 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 2025-02-25 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: CA

Complaint narrative:
Due to a data breach, my personal information was compromised, resulting in unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me but remain on my report, adversely affecting my credit profile. Despite my efforts to resolve these inaccuracies, they persist, raising significant concerns about the security of my personal information and the accuracy of my credit report.

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 2025-02-25 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: Fidelity National Information Services, Inc. (FNIS)
State: MD

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following Inquiries. Please XXXX and remove it. 
XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX BANK Inquiry Date : XX/XX/XXXX, XXXX  XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX  XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX & XXXX XXXX XXXX XXXX Inquiry Date : 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 2025-02-25 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: Express Recovery Services, Inc.
State: UT

Complaint narrative:
Express recovery is reporting as a collection on my credit report with transition, this is from an alleged medical debt that I have no knowledge of. 

This is not my debt and even if it was the CFPB has ruled medical debt can not be reported to the credit reporting agencies. This collection is directly against the CFPBs recent ruling

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Rocket Mortgage, LLC
State: MA

Complaint narrative:
Paid large chunk of mortgage to rocket mortgage. 

LTV is now at 76 % They refused to remove PMI stating : Under HPA, lenders must remove PMI automatically at 78 % LTV ( based on the original property value at the time of purchase ) .An appraisal is NOT required for automatic termination. 

Response was the backing lender requires an evaluation and fee to remove. 

Told them this was predatory and regulatory violation. 
PA Section 4902 ( b ) Automatic PMI Termination at 78 % LTV PMI must be automatically canceled once the mortgage balance reaches 78 % of the original property value, assuming payments are current. 
No new appraisal is required for automatic termination. 
HPA Section 4902 ( a ) Borrower-Initiated PMI Removal at 80 % LTV Borrowers can request PMI removal at 80 % LTV, but lenders may require a new appraisal to confirm that the home has not depreciated. 
However, since you're at 76 % LTV, the 78 % automatic removal rule applies, meaning the lender can not legally require an appraisal. 

They continued to state that it is required. 

I posted the law in chat ; they then switched to saying its a XXXX and not a evaluation. 

Again 2-3 month delay tactic and a fee charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: CA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

XXXX XXXX XXXX XXXXXXXX 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 XXXXXX/XX/XXXX has violated my rights. 

I looked at my TransUnion Equifax Experian credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-02-25 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: VA

Complaint narrative:
Aggravated Identity Theft Pursuant to 18 U.S.C 1028A. In general : Whoever, during and in any felony Violation Enumerated in Subsection ( c ), Knowingly Transfers, or Used, without lawful authority, a means of identification of another per shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. i am a victim of identity theft please block and remove these accounts immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Denied multiple times when XXXX XXXX was good enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: MO

Complaint narrative:
I sent a hardship letter stating " I'm going through financial hardship and was a part of XXXX XXXX breach. I see where the item was charge-off from my credit report but I was never sent a 1099. Could please send me one. The way this account is reporting the account balance, acct number, the date of last payment doesn't look familiar, could you please delete this from my account immediately. According to 15usc1681i ( c-2 ) and 15usc1681 ( b ) '' This is a violation of the fair credit reporting act willful Non-compliance because you're neglecting the fact that I'm requesting something that under the law 15usc1681i ( a ) ( 6 ) ( b ) ( iii ) that I can request.

No response from none of the creditors listed on my accounts.

I have not supplied proof under the doctrine of estoppel by silence Engelhardt v Gravens '' is a statement that someone may use to deny the existence of an alleged debt. This item is charge-off on my credit report but creditor never sent me a 1099

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 2025-02-25 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: DISCOVER BANK
State: MO

Complaint narrative:
I sent a hardship letter stating " I'm going through financial hardship and was a part of XXXX XXXX breach. I see where the item was charge-off from my credit report but I was never sent a XXXX. Could please send me one. The way this account is reporting the account balance, acct number, the date of last payment doesn't look familiar, could you please delete this from my account immediately. According to 15usc1681i ( c-2 ) and 15usc1681 ( b ) '' This is a violation of the fair credit reporting act willful Non-compliance because you're neglecting the fact that I'm requesting something that under the law 15usc1681i ( a ) ( XXXX ) ( b ) ( iii ) that I can request. 

No response from none of the creditors listed on my accounts. 

I have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXXXXXX '' is a statement that someone may use to deny the existence of an alleged debt. This item is charge-off on my credit report but creditor never sent me a XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: EQUIFAX, INC.
State: CA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

XXXX XXXX XXXX XXXXXXXX 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 XXXXXX/XX/XXXX has violated my rights. 

I looked at my TransUnion Equifax Experian credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief