vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-04 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:
XX/XX/year> I have inquiries I did not submit or let anyone do so and they are affecting my credit score. Also I have an account with XXXX  XXXX  a collection I paid off because they were going to remove from my credit and it still appears with late payments account was not 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 non-monetary relief
Consumer complaint received 2025-02-03 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: CT

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 non-monetary relief
Consumer complaint received 2025-02-04 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-02-04 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: NV

Complaint narrative:
Report this account directly to my creditor as identity theft. I also have an FTC report where my information was compromised through the data breach. I am asking you to fix this error by removing it from my credit report FCRA.

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 2025-02-03 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: NJ

Complaint narrative:
Information In my credit report, which is Experian, Equifax and Transunion saying all information was reverified which is not true and information on all credit reports are apart of data breach. Tired of fighting with this information these are not my accounts

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 2025-02-04 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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
Consumer complaint received 2025-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: OR

Complaint narrative:
Subject : Mortgage Servicer ( NewRez ) Incorrectly Charged for Hazard Insurance & Is Continuing to Charge Me Complaint Details : I am filing a complaint against NewRez LLC for improperly adding hazard insurance to my mortgage escrow account, charging me for a policy that does not exist, and refusing to refund my money in a timely manner. 

Key Issues : 1. Fraudulent Hazard Insurance Charges : In XX/XX/year>, NewRez incorrectly added hazard insurance to my escrow account despite the fact that I never had such a policy. 
As a result, they withdrew nearly {$800.00} from my bank account and continue to bill me for hazard insurance that I do not have. NewRez has admitted that this was a mistake related to their escrow analysis 2. Unlawfully Withholding My Money : Despite admitting fault, NewRez refuses to refund my money until they can run a new escrow analysis in 30-40 days.This is an excessive delay that is causing financial hardship. 

3. Continuing to Charge Me for Non-Existent Insurance : Even after admitting the original mistake, NewRez continues to charge my escrow account for hazard insurance that does not exist. This is an ongoing violation that is inflating my escrow balance and mortgage payments.

Regulatory Violations : 1.Real Estate Settlement Procedures Act ( RESPA ) : Failure to properly maintain and correct escrow accounts.

2.Unfair, Deceptive, or Abusive Acts and Practices ( UDAAP ) : Continuing to charge for non-existent insurance is fraudulent and financially harmful.

3.Breach of Contract : Incorrect escrow analysis has resulted in unauthorized charges.

Potential Escrow Fraud : Charging a borrower for insurance that does not exist raises serious regulatory concerns.

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 2025-02-04 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:
I require all claims on the credit report to be authenticated and identified by competent firsthand material fact witness per title 225 Pa code 901 and 802 hearsay is inadmissible. Prove all debts on report Pa code 9210 in its entirety Pa code 4009.1.

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 2025-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-02-04 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: PR

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
XX/XX/XXXX the XXXX XXXXXXXX XXXX was repossed. this debt was cancelled 1099c

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-02-04 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
I am not liable for this debt with XXXX. I do not have a contract with Sequium Asset Solutions LLC, and they have failed to provide the original signed contract with Wet signature as requested various times and they only send a balance sheet in blank. 

Under the Fair Debt Collection Practices Act ( FDCPA ) and applicable credit reporting laws, a debt collector must provide clear and verifiable evidence of the debt, including a signed contract that legally binds me. Since they have not done so, I formally demand that this collection account be removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
NAME : XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX, XXXX XXXX SC, XXXX SSN : XXXX DATE XX/XX/XXXX [ Transunion ] Dispute Department XXXX XXXX XXXX XXXX XXXX, PA XXXX RE : Subject : Dispute and Request Verify Accounts, Violation of XXXX XXXX XXXX I hope this letter finds you well. I am writing to bring to your attention a serious matter regarding inaccurate reporting on my credit file, specifically pertaining to accounts listed above. This will be my 2nd attempt to resolve this matter. I have no knowledge of these creditors nor have I authorized any accounts with them. In my previous correspondence I requested verification and with these accounts not being verifiable my consumer laws are now being violated. Not only were these accounts opened due to identity theft, I have no knowledge of these accounts, or any affiliation with these creditors. Its inclusion on my credit report violates ( USC ) 1681, which governs the fair and accurate reporting of consumer information. I have no knowledge of this account or have given any written consent. Furnishing Identity theft accounts further violates the FCRA, specifically 15 USC 1681 C-2. These accounts being reported are severely impacting my ability to obtain new lines of credit. Your company has a legal obligation to ensure the accuracy of the information being reported.I kindly request that your company immediately complete the investigation into the fraudulent accounts and remove them from my credit report as soon as possible. I also request that you remove all addresses that I have no affiliation with. The only address that should be on my credit profile is listed above. 
Thank you, YOUR NAME XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Heres a revised letter demanding the immediate deletion of the XXXX XXXX account due to the inconsistencies identified, with an assertive tone and references to the Fair Credit Reporting Act ( FCRA ) : Subject : **Demand for Immediate Deletion of Inaccurate Credit Reporting for XXXX CREDIT ( Account # : XXXX ) ** To Whom It May Concern, I am writing to demand the immediate deletion of my credit account with XXXX CREDIT ( Account # : XXXX ) from my credit reports maintained by Experian , TransUnion , and Equifax . The inaccuracies present in these reports constitute a clear violation of the Fair Credit Reporting Act ( FCRA ), specifically under 602, 606, and 611, which require that credit reporting agencies maintain accurate information and correct errors in a timely manner.

# # # Inconsistencies Identified : 1. **Account Status** : - TransUnion and Experian indicate the account status as **Indeterminate**, while Equifax reports it as **Charged Off**. This conflicting information is unacceptable and violates FCRA 607, which mandates maximum accuracy in reporting.

2. **Payment Status** : - TransUnion and Experian show a payment status of **Charge-Off**, while the dates and last payment information are inconsistent. The discrepancies in reporting violate FCRA 607, which requires that all reported information be accurate.

3. **Balance Reporting** : - The balance is reported as ** $ 0.00** across the agencies, which contradicts the payment history and status. This inconsistency undermines the integrity of my credit report and is a violation of the FCRA 's requirement for accuracy.

Furthermore, I am aware of the recent data breach affecting these credit reporting agencies, which has compromised sensitive consumer information. Under U.S. Code 1030, organizations are required to implement adequate measures to protect consumer data. This breach raises significant concerns regarding the integrity of the information being reported, and it further emphasizes the need for immediate action. 

Given these violations, I demand the immediate removal of the XXXX CREDIT account from my credit report. Failure to rectify these issues within the legally mandated time frame will compel me to pursue further legal actions, including seeking damages for the harm caused by these inaccuracies. 

Please acknowledge receipt of this complaint and inform me of any actions taken to rectify these serious issues. Thank you for your immediate attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My account with XXXX XXXX XXXX AND XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XXXX AND XXXX to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX  AND XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports Update the late payments to paid as agreed.

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 2025-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
On XX/XX/XXXX, i made a bank transfer of {$2000.00}. I have a debit ( checking & savings ) account with Navy Federal Credit Union. I also recently opened a high yield savings account with XXXX XXXX, a subsidiary of XXXX XXXX. I recovered money on the 31st, so I wanted to put it in my savings account at XXXX. I went to transfer {$2000.00} in my NFCU app, and saw I had an external account linked, figuring it must be my XXXX savings account. However, after I transferred the money from NFCU to what I thought was my XXXX savings, I went back to see why I hadnt received the transfer, and I realized I had a fraudulent account linked to my NFCU app. The fraudulent account was listed under external accounts, and it was titled XXXX, which I shouldve realized, but it being only one letter off from my real XXXX bank account, I just didnt notice. The last name on the fraudulent XXXX account was also spelled wrong. Once I realized, I immediately called my bank ( NFCU ) and submitted a fraud claim on the XXXX  of XXXX they got back the morning of Monday the XXXX, and denied my claim since I was responsible for the transaction. However, I wouldve have been able to mistakenly transfer that money if Navy Federal had alerted, flagged, or even notified me that a separate account had been linked to my debit information. I called navy federal back for more help, and they told me to call XXXX. I called XXXX, and they told me to call NFCU. Both were severely unhelpful and both said could not assist me any further. Further, NFCU I believe removed the fraudulent account from my app, so I can no longer see that account information. Also, Now XXXX is telling me that account I transferred money to doesnt exist. This is {$2000.00} that was pending, processed, and cleared. It had to have gone somewhere. I just need help, XXXX is a lot of money especially as a full time student.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
The Wells Fargo Bank credit card account is not 30 days past due. I made a payment on XX/XX/year>. This account needs to be updated to reflect that a payment was received within 30 days of the XX/XX/year> payment and the status is current. Attached is a screenshot of my online account, which shows my payment in XX/XX/year>.

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