vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-08 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: FL

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my 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 non-monetary relief
Consumer complaint received 2025-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: NEW YORK COMMUNITY BANCORP INC
State: VA

Complaint narrative:
I requested over a year for the following to be addressed : 1. My loan was transferred to " XXXX XXXX '' from XXXX XXXX which was effective on XX/XX/XXXX 2. Enclosed mortgage statements from XXXX indicate a transfer balance of $ XXXXon XX/XX/XXXX ( See pdf attached ). 

3. Attached pdf shows XXXX XXXX original transfer of {$140.00}, XXXX 4. Payments history enclosed from XXXXXXXX 5. Payments made by ME attached ( pdf 2 ) 6. Original Relief loan ended in XX/XX/XXXX. It was extended to XXXX, XXXX 7. XX/XX/XXXX balance was {$140.00}, XXXX 8. After my payments and calculations were completed by XXXX, my carryover balance to be paid at the end of the loan was {$11.00}, XXXX. 

9. When my loan continued after deferral period on XXXX, XXXX. XXXX put the {$11.00}, XXXX on the back end of the loanRightfully so. 

10. However, they DID NOT subtract the {$11.00}, XXXX from the loan balance. Instead they added the {$11.00}, XXXX to the loan. This made the balance total {$150.00}, XXXX, more than {$140.00}, XXXX owed in XXXX, XXXX. This is a add on. I am not suppose to owe more at the end than when the loan began in XXXX, XXXX. 

11. The XXXX, XXXX was supposed to be subtracted from the loan balance. The carryover was NOT an " add on '' surplus for XXXX. However, they added the aforementioned to the back and they never subtracted the carryover from the loan balance when the loan ended XXXX. They refused to address the issue, they were rude and they transferred my mortgage to XXXX XXXX  ( effective XXXX XXXX ). 

13. If the {$11.00}, XXXX was subtracted, the " True '' balance would be {$140.00}, XXXX minus XXXX, XXXX. The carryover is supposed to be deducted from the loan balance at the time the deferral ends. Adding the carryover deferred amount to the front of the loan, increases the loan amount owed. And benefits no one BUT XXXX. 

14. {$11.00}, XXXX carryover behind the loan without deducting & from the loan balance would be a GREAT surplus to only benefits XXXX. An additional {$11.00}, XXXX that they are not entitled to. In my opinion, this is actual cheating 15.Payments were made to XXXX XXXX XXXX XXXX, XXXX in the amount of {$3.00}, XXXX 16. Payments were made to XXXX XXXX, XXXX XXXX, XXXX in the amount of {$5.00}, XXXX 17. Total payments during Covid mortgage payments totaled {$8.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXXefore the deferment ended. Regular payments resumed XX/XX/XXXX to present and has been paid on time and in full All of this information above is included in the attached pdf files.

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 2025-03-09 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: IN

Complaint narrative:
Experian has failed to fulfill its obligation under the Fair Credit Reporting Act ( FCPA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverified 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 standing. I am requesting immediate corrective action to remove or amend the dispute accounts, as Experians inaction violates federal law and my rights as a consumer! Same for Equifax as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P.
State: FL

Complaint narrative:
XXXX XXXX XXXX - PARAMOUNT RECOVERY SYSTEMS Original Creditor Name - XXXX XXXX XXXX Date Assigned- XX/XX/XXXX Amount Owed- {$1000.00} Account Number- XXXX XXXX XXXX XXXX XXXX XXXX Date of first delinquency - 11/13/2022 15 U.S. code 1692c. Communication in connection with debt collection.

The Law clearly states : ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.

( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This debt has been charged off, and have not received a 1099c

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 2025-03-09 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: FL

Complaint narrative:
XX/XX/year> Equifax XXXX XXXX XXXX, XXXX, GA XXXX Subject : Formal Dispute of Collection Account on Credit Report Dear Credit Bureau/Agency , I am writing to formally dispute the accuracy of the collection account entry listed on my credit report for the XXXX XXXX  account number XXXX. I request that this collection account be deleted from my credit report in accordance with the provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and relevant U.S. tax laws.

Upon reviewing my credit report, I discovered that this account is marked as a collection, which negatively impacts my credit score. Under U.S. law, specifically 26 U.S.C. 61 ( a ) of the Internal Revenue Code, any amount written off by the creditor is considered taxable income to the debtor. This means that once a debt is transferred to a collection agency, the original creditor has effectively discharged the debt, and the amount should no longer be considered an ongoing obligation. As a result, the col-lection balance should not be reflected as a valid debt obligation on my credit report.

Based on the above, I respectfully request that you delete this collection account entry from my cred-it report for the following reasons : 1. Collection as Income : According to 26 U.S.C. 61 ( a ), when a debt is transferred to a collec-tion agency, it is considered income to the debtor for tax purposes. This means the collection is no longer a legitimate debt, but income written off by the original creditor. Therefore, it should not continue to appear as an outstanding balance on my credit report.

2. Inaccuracy Under the Fair Credit Reporting Act : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am entitled to an accurate and complete credit report. Since a col-lection represents income and not a debt, keeping this entry on my credit report as a negative mark is inaccurate and should be removed.

In light of the above, I request that you conduct a thorough investigation and delete this collection account entry from my credit report if the information can not be verified as accurate or if it is inconsistent with the provisions of the Fair Credit Reporting Act and relevant XXXX tax law. 
Please provide me with written confirmation of the results of your investigation and any actions taken regarding this dispute. If you are unable to verify the accuracy of this information, I expect it to be promptly deleted from my credit file. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: FL

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It is XXXX me out and making me XXXX Hope you can address this soon, please.

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 2025-03-08 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: Nelnet, Inc.
State: MI

Complaint narrative:
The week of XX/XX/year>, XXXX XXXX and/ or his affiliated companies, also know as the XXXX XXXX XXXX XXXX were given unauthorized disclosure of my student loan information without my written consent, for higher education obtained at XXXX XXXX  which was from granted from the federal government student aid and from Nelnet XXXX XXXX. I understand that my student loan data, which includes personally identifiable information protected by the Family Educational Rights and Privacy Act ( FERPA ), has been accessed by these parties again without my consent. I have never authorized the release of this information to XXXX XXXX or any of his entities, and I am extremely concerned about the potential misuse to my private data. This unauthorized access appears to be a direct violation of my rights under FERPA. the information contained within the student loan database, including my Social Security number, financial records, and other sensitive personal details, requires the highest level of confidentiality.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
The company is Robinhood. I tried getting support on the app on XX/XX/XXXX because my phone was stolen and someone sold my stocks and made me a lose money. I requested a call back on the app and they called me and told me that they have to review my account. And then they end up making things worse for me instead of supporting me or trying to figure out the issue by restricting my account on XX/XX/XXXX. I wasnt able to open any new positions or withdraw my money to my bank or anything. And then XX/XX/XXXX, a banner on my account pops up saying We're closing your Robinhood account due to recent account activity. We'll notify you once we're done. And I received an email saying that theyre closing my account but nobody has once helped me with my issue. And it still has not been closed and I cant withdraw my money and I need that money for my bills. 

Case ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
This company has called several times through the day ( morning, afternoon, evening ). They have been told to cease and desist communications and this debt was being disputed. Portfolio Recovery Associates LLC has continued to contact me by phone and when calls are returned, they promptly hang up. They have also continued to send demand letters through the mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: CA

Complaint narrative:
I want to file a complaint with the XXXX credit bureaus regarding the inaccurate items on my credit report. I am requesting that all negative items be removed and corrected. It is important that this complaint reaches them, and that they take immediate action. If they do not respond, I will pursue legal action for the damage they have caused in my life. Attached are the letters, my ID, and other identification for your review.

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 2025-03-09 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: CA

Complaint narrative:
I want to file a complaint with the XXXX credit bureaus regarding the inaccurate items on my credit report. I am requesting that all negative items be removed and corrected. It is important that this complaint reaches them, and that they take immediate action. If they do not respond, I will pursue legal action for the damage they have caused in my life. Attached are the letters, my ID, and other identification for your review.

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 2025-03-08 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: OH

Complaint narrative:
My account with TRANSUNION was never late! I have had exceptional payment history 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 to be updated.

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.

TRANSUNION 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!

Update the late payments from my consumer 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 non-monetary relief
Consumer complaint received 2025-03-09 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: NC

Complaint narrative:
I have reviewed my credit report and found there is a fraudulent, negative account reporting to my credit profile. This account does not belong to me and it is a result of illegal activities and identity theft. Please remove this fraudulent account from my credit report immediately as it is hurting me financially.

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 2025-03-09 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: NC

Complaint narrative:
I have reviewed my credit report and found there is a fraudulent, negative account reporting to my credit profile. This account does not belong to me and it is a result of illegal activities and identity theft. Please remove this fraudulent account from my credit report immediately as it is hurting me financially.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 2025-03-08 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: FL

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

Company response to consumer: Closed with non-monetary relief