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

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 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: NC

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 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:
You are obligated by law to maintain accurate consumer records. The incorrect addresses on my credit report are causing harm and must be removed immediately. Non-compliance will be considered negligence and may lead to legal action. I expect prompt confirmation of this correction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 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: CA

Complaint narrative:
You are obligated by law to maintain accurate consumer records. The incorrect addresses on my credit report are causing harm and must be removed immediately. Non-compliance will be considered negligence and may lead to legal action. I expect prompt confirmation of this correction.

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 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-03-03 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: AmeriCollect
State: GA

Complaint narrative:
I have filled a report to clarify the incorrect information that has been sent by the credit bureau through my email. I am writing to formally dispute an error on my credit card statement. I have requested a further investigation regarding this matter but the problem became disregarded by the company. I appreciate your prompt attention regarding this matter.Iin addition, I would like a confirmation receipt to keep me notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information wad exposed in several data breaches as well. I have no recollection of applying for any of these accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days! These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent further harm to my financial well-being.

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 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information wad exposed in several data breaches as well. I have no recollection of applying for any of these accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days! These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent further harm to my financial well-being.

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 2025-03-03 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: CA

Complaint narrative:
I am listing 2 inquiries fraudulent from my Transunion Credit Report. XXXX XXXX XX/XX/XXXX. Bank XXXX XXXX XX/XX/XXXX. Listed inquiries do not belong to me and must be removed from my Transunion Credit Report. I had a call with the company and the credit reporting agency advised me to file an identity theft report for deletion. I am requesting Transunion to mark these inquiries fraudulent and remove from 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 non-monetary relief
Consumer complaint received 2025-03-03 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
EXPERIAN give me hard times resolve issues Phone service not responding No live call no live chat Iam facing hard inquiries EXPERIAN someone unfreeze my account and Ill be reported to change my phone number and email thus EXPERIAN is worst customer they never pickup phone or live chat or email Facing my identity used some XXXX my social and id to run different banks card and others

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

Complaint narrative:
My information was exposed in the data breach of the following companies : TransUnion, Equifax, and Experian. The breach of data and information is a clear violation of the consumer privacy policy held by the Fair Credit Reporting Act ( FCRA ) 15 u.s.c. 1681.

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 2025-03-03 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I am writing to formally dispute the charge-offs and late payments that are being inaccurately reported on my consumer report. As a consumer, I am protected under the Fair Credit Billing Act ( FCBA ), specifically 15 U.S.C. 1666b ( 2 ), which outlines the legal framework regarding the time limits and reporting of billing errors.

Upon reviewing my consumer report, I have identified inaccurate and/or incomplete information regarding certain accounts that have been marked as charge-offs and late payments. Under 15 U.S.C. 1666b ( 2 ), creditors are required to follow specific guidelines when reporting such information, ensuring accuracy, fairness, and compliance with federal law. I believe the information reported does not meet these legal standards and is causing undue harm to my credit profile. 
XXXXXXXX Revolving account with account # XXXX XXXX XXXX XXXXXXXX Revolving account with account # XXXX XXXX XXXX Revolving  account with account # XXXX XXXX XXXX Revolving account with account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 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: MI

Complaint narrative:
I am writing to formally dispute the charge-offs and late payments that are being inaccurately reported on my consumer report. As a consumer, I am protected under the Fair Credit Billing Act ( FCBA ), specifically 15 U.S.C. 1666b ( 2 ), which outlines the legal framework regarding the time limits and reporting of billing errors.

Upon reviewing my consumer report, I have identified inaccurate and/or incomplete information regarding certain accounts that have been marked as charge-offs and late payments. Under 15 U.S.C. 1666b ( 2 ), creditors are required to follow specific guidelines when reporting such information, ensuring accuracy, fairness, and compliance with federal law. I believe the information reported does not meet these legal standards and is causing undue harm to my credit profile. 
XXXXXXXX Revolving account with account # XXXX XXXX XXXX XXXXXXXX Revolving account with account # XXXX XXXX XXXX Revolving  account with account # XXXX XXXX XXXX Revolving account with account # 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 2025-03-03 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: IN

Complaint narrative:
I sent a letter XXXX XXXX requesting 1099C Letter which they issued to me. Account is currently written off and they sold the account to another company called XXXX XXXX. 
I have attached the letter I sent to XXXX XXXX and the return documents that proves it get to them.

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 2025-03-03 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: IN

Complaint narrative:
I sent a letter XXXX XXXX requesting 1099C Letter which they issued to me. Account is currently written off and they sold the account to another company called XXXX XXXX. 
I have attached the letter I sent to XXXX XXXX and the return documents that proves it get to them.

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 2025-03-03 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: TX

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 2025-03-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 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: FL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
Demand for Investigation and Resolution of Cashiers Check Payment From : XXXX XXXX Phone : XXXX Email : XXXX To : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email : XXXX Date : XX/XX/XXXX Subject : Urgent Demand for Investigation and Resolution Cashiers Check Payment ATTN : Compliance Department I am writing to demand an immediate investigation into a cashiers check payment of {$19000.00}, which was issued to XXXX XXXX XXXX and cashed, yet the outstanding balance has not been removed from my account. This matter requires your urgent attention and resolution within XXXX ( XXXX ) days. The cashiers check, issued by XXXX XXXX XXXX XXXX ( NFCU ) on XX/XX/XXXX, was made payable to XXXX XXXX XXXX and has been cashed. Despite this, my account continues to reflect an outstanding balance. I have attached a Declaration of Loss adavit was filed regarding this payment, demonstrating the check was properly issued and subsequently cashed.

Immediate Demands : 1. Full Investigation : Conduct an immediate review of your records to confirm receipt and processing of the cashiers check.

2. Account Adjustment : Remove the outstanding balance from my account and provide written confirmation.

3. Proof of Resolution : Send a formal response confirming the resolution of this matter, including details of the check application to my account.

Legal Notice : If this issue is not fully resolved within three ( 3 ) days from the date of this letter, I will pursue all available legal remedies, including filing a lawsuit against XXXX XXXX XXXX for unjust enrichment, fraudulent misrepresentation, and violations of federal and state consumer protection laws. 
This matter is serious, and failure to correct this oversight promptly will result in formal legal action, including a claim for damages, attorneys fees, and statutory penalties. 
Please confirm receipt of this letter immediately and provide a written resolution no later than XX/XX/XXXX. 
Sincerely, XXXX XXXX Phone : XXXX Email : XXXX Enclosures : 1. Declaration of Loss Adavit 2. Cashiers Check Details 3. Proof of Check Issuance and Payment

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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:
In XX/XX/XXXX, I paid {$6200.00} for a full year ( XXXX ) of home owners insurance for a duplex. I paid the full invoice XXXX weeks before it was due. 

I did have a XXXX month lapse while I was securing the home insurance from XXXX XXXX, XXXX to XX/XX/XXXX. Home insurance for rental properties is very difficult to secure at this time in California. 

In early XXXX, our mortgage company, Mr. Cooper, opened an escrow account and increased my payment from {$1100.00} to {$1700.00} to cover FUTURE insurance payments. They also increased fees. 

In XXXX I contacted Mr. Cooper many times to ask how I could pay for the XXXX month lapse of coverage fee of {$230.00}. I have never received an answer. 

I have owned this duplex for 25 years. I have always had insurance and I have never missed a payment. This increase to cover future insurance payments is a hardship since this duplex is rented and I am unable to raise rents to cover this expense. I try to keep my rents affordable, and I do not want to raise rents for future insurance payments. 


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Company response to consumer: Closed with explanation