vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-18 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: PA

Complaint narrative:
Three collection agencies are responsible for medical bills on my Credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: PA

Complaint narrative:
This is my second dispute this company is horrible and violating my rights this is horrible their inaccurate info is hurting my score and my investments. on XXXX after my first round dispute they deleted the account they seen the inaccuracies and updated it I demand this company do the same l have the screen shot of the original inaccuracies when it first happened just delete this account under the fair reporting act 15 USC 1681 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. 15 USC 16811 ( 7 ) - Method of Verification ( 7 ) DESCRIPTION OF REINVESTIGATION PROCEDURE A consumer reporting agency shall provide to a consumer a description referred In paragraph ( 6 ) ( BXlil ) by not later than 15 days after receiving a request from the consumer for that description. ( B ) Contents As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to In subparagraph ( A ) - ( i ) a statement that the reinvestigation is completed ; ( li ) a consumer report that is based upon the consumer 's file as that file is revised as a result of the reinvestigation ; ( Ili ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the Information shall be provided to the consumer by the agency, including the business name and address of any furnisher of Information contacted in connection with such information and the telephone number of such furnisher, If reasonably available ; please delete account. Subject to subsection ( C ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to account name XXXX XXXX  account 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 non-monetary relief
Consumer complaint received 2025-02-18 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: LA

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


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

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

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


I looked at my XXXX, XXXX XXXX TransUnion 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 2025-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I purchased a condominium unit in XX/XX/XXXX and satisfied all insurance requirements with the original lender. The property is in a flood zone and requires flood insurance, which is provided by the HOA since the structure houses multiple individually owned units. In XX/XX/XXXX, my loan was sold to Rushmore Servicing. In XX/XX/XXXX, Rushmore notified me that my flood insurance was insufficient and that I needed to provide them evidence of coverage. I provided the condominium complexes evidence of coverage provided by the HOA. Upon receipt of this evidence, Rushmore paid the entire condominium complex flood insurance out of my individual escrow account. I called Rushmore immediately on XX/XX/XXXX when I discovered this and they informed me that I had no options and there was nothing they could do and that they had to pay my flood insurance out of my escrow. However, XXXX XXXX XXXX  rules ( which I assume all lenders conform to ) state that for condo 's that HOA coverage is acceptable : https : XXXX. 

Because of this, my escrow account is now severely underfunded and my payment has gone up over {$600.00} and I'm in jeopardy of not being able to make my house payment. I have no idea where to turn so I'm hoping you can help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: The Phoenix Recovery Group
State: TX

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over XXXX days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Back in 2018 I called the stores And explain to them I didn't apply for any credit card from them And now it is on 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 2025-02-18 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: SYNCHRONY FINANCIAL
State: IA

Complaint narrative:
I was denied credit and received a letter dated XX/XX/XXXX. The reason for denial was due to the number of inquiries on my credit report. Specifically my XXXX report. I got a copy of my report and it shows several companies listing credit inquiries times for the same day. A majority of these inquiries were supposed to be soft pulls. So now Im being denied credit because these companies are not reporting to the credit bureau correctly. 

Synchrony listed two PayPal credit inquiries for the same day XX/XX/XXXX as well as four for PayPal on XX/XX/XXXX. XXXXXXXX XXXX listed three on 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 2025-02-18 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: Bread Financial Holdings, Inc.
State: IA

Complaint narrative:
I was denied credit and received a letter dated XX/XX/XXXX. The reason for denial was due to the number of inquiries on my credit report. Specifically my XXXX report. I got a copy of my report and it shows several companies listing credit inquiries times for the same day. A majority of these inquiries were supposed to be soft pulls. So now Im being denied credit because these companies are not reporting to the credit bureau correctly. 

XXXX listed XXXX XXXX credit inquiries for the same day XX/XX/XXXX as well as XXXX for XXXX on XX/XX/XXXX. Comenity Bank listed XXXX on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: 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 unverified accounts unresolved. The 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 that Experian has neither corrected nor removed despite the evidence I have 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.

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 2025-02-18 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: NJ

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I am weighting to dial a complaint against Navy Federal Credit Union regarding multiple overdraft frees I incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged postings of charges and credits. This issue aligns with CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: MD

Complaint narrative:
I am writing to file a formal complaint against Experian concerning their failure to conduct proper investigations into several disputed items on my credit report. Specifically, these items include : Unauthorized Hard Inquiries : I identified multiple hard inquiries on my credit report that I did not authorize. Despite disputing these inquiries, Experian failed to conduct a reasonable reinvestigation, as required by the Fair Credit Reporting Act ( FCRA ). According to the CFPB 's recent lawsuit, Experian often neglects to reinvestigate disputes regarding hard inquiries unless fraud or identity theft is alleged, which violates FCRA provisions. 

I am aware that on XX/XX/year>, the CFPB filed a lawsuit against Experian, alleging that the company conducted " sham investigations '' into consumer disputes and failed to properly address inaccuracies in credit reports. The lawsuit asserts that Experian violated the FCRA by : Conducting superficial investigations that do not adequately address consumer disputes. 

Failing to delete inaccurate, incomplete, or unverified information from my credit files. 


My experiences align with the allegations in the CFPB 's lawsuit, as Experian 's handling of my disputes appears to reflect the same inadequate practices. Their failure to conduct thorough investigations and reliance on automated processes have resulted in the continued presence of inaccurate information on my credit report, adversely affecting my financial standing. 

I respectfully request the CFPB 's assistance in : Ensuring the removal or correction of any information that can not be verified as accurate. 

Implementing measures to prevent the reinsertion of previously deleted inaccurate information without proper verification and notification. 


Thank you for your attention to this matter. I trust that the CFPB will take the necessary steps to ensure Experian complies with federal regulations and that my rights as a consumer are protected.

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 2025-02-18 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:
Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
For years i have been requesting that my name be corrected on all XXXX credit bureau my name is XXXX XXXX XXXX i have sent my license my social showing this information so that they correct it and they seem to not care

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 2025-02-18 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: FL

Complaint narrative:
For years i have been requesting that my name be corrected on all XXXX credit bureau my name is XXXX XXXX XXXX i have sent my license my social showing this information so that they correct it and they seem to not care

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-02-18 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 hope this letter finds you well. I am writing to formally request the blocking and deletion of my accounts that may have been compromised in the recent data breach, pursuant to 15 U.S.C. 1681c-2 ( a ). As a victim of this breach, I am concerned about the security and privacy of my personal information. 
Please find my personal details below for your reference : XXXX. Balance XXXX Date Opened XX/XX/XXXX XXXX XXXX Account Number : XXXX XXXX. Balance XXXX Date Opened XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX. Balance XXXX Date Opened XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX 4. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXXXXXX XXXX XXXX GA Account Number : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Current Address ( es ) : XXXX XXXX XXXX XXXX, GA XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. Balance XXXX Date Opened XX/XX/XXXX XXXX XXXX  Account Number : XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, GA XXXX XXXX. Balance XXXX Date Opened XX/XX/XXXX XXXX XXXX  XXXX XXXX A Account 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 non-monetary relief
Consumer complaint received 2025-02-18 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: CBC Companies, Inc.
State: CT

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 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:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 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: CA

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration 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 2025-02-18 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: Consumer Portfolio Services, Inc.
State: SC

Complaint narrative:
I do not recall applying for credit with these companies, as a result I would like them removed from my credit report immediately. 
XXXX XXXX XXXX XXXX Consumer portfolio XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: Global Lending Services LLC
State: SC

Complaint narrative:
I do not recall applying for credit with these companies, as a result I would like them removed from my credit report immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Global lending services XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Someone used my email, first and last name, address ( minus the apartment number ), SSN, but a different telephone number and a different drivers license number to fraudulently open a Chase Private Client Checking account in my name. 

The scammer then immediately changed the email associated with the account to something else. 

Scammers Phone : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation