vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-21 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: AL

Complaint narrative:
After thoroughly reviewing my TransUnion credit report, I was appalled to find serious inaccuracies that should have never been reported. These errors are more than simple mistakesthey are actively harming my creditworthiness and restricting my financial opportunities. I refuse to let misinformation dictate my future and demand an immediate, thorough reinvestigation. 

The following accounts require urgent attention : Charge Off ( TransUnion ) XXXX XXXX - Account # : XXXX - Balance : {$4100.00} XXXX  - Account # : XXXX - Balance : {$0.00} Under the Fair Credit Reporting Act ( FCRA ), I have the right to a fully accurate and verifiable credit report. If these disputed accounts can not be substantiated with solid, irrefutable evidence, they must be removed at once. This is not a requestit is a demand for compliance with federal law. Any failure to correct these errors will be considered willful negligence and will not go unchallenged.

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 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
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 unverifiable accounts unresolved. The consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, Transunion and Equifax, 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, Equifax and Transunion has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian, Equifax and Transunion '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 2025-03-22 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: PA

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX  for multiple Fair Credit Reporting Act ( FCRA ) violations, which have resulted in inaccurate, misleading, and unverifiable reporting on my credit report. The reported account contains significant errors that must be corrected or removed entirely. 

Violations Identified : Inconsistent & Inaccurate Reporting Across Bureaus The high credit limit is reported as {$18000.00} on TransUnion and Experian but is {$13000.00} on Equifax.

The balance is reported consistently across all three bureaus, but past due amounts should not be equal to the original balance in a charge-off account.

Failure to Properly Update the Status The account is marked as " Collection/Charge-Off '', but according to the FCRA ( 15 U.S.C. 1681s-2 ( a ) ), furnishers must ensure that information reported is complete and updated.

If this account was charged off and sold to a debt collector, the original creditor XXXX XXXX XXXX XXXX ) must update the balance to {$0.00}, as they no longer own the debt. 
Duplicate Reporting & Re-aging of the Account The " Date Last Active '' is inconsistent across credit bureaus ( TransUnion : XX/XX/XXXX, Equifax : XX/XX/XXXX ). This suggests the account is being re-aged in violation of the FCRA and can unfairly extend the time this account remains on my report. 
Unverifiable & Misleading Reporting ( FCRA 611 ( a ) ) There is no proof that this account is legally enforceable. Under 15 U.S.C. 1681i, the furnisher ( XXXX XXXX XXXX  ) must provide validation that the information being reported is 100 % accurate, complete, and legally enforceable. 
The comments state " Profit and Loss Write-Off '' but do not clarify whether the debt was sold, settled, or forgiven. 
If XXXX XXXX XXXX  no longer owns the debt, they can not legally report it under their name.

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 2025-03-21 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
I called our ( roommate and I ) leasing office ( XX/XX/XXXX ) to verify what date we needed to move ( lease was coming up ) as I was already planning on moving and wanted to verify when I needed to be out. I was informed that we hadn't paid rent since XX/XX/XXXX, I asked to remove my name from the lease as I was unaware of the situation but they stated it was too late as the eviction was already being processed. I had a verbal conversation with my roommate telling him how careless and irresponsible he was as he knew I was moving with XXXX children and that it would affect me in the move. He then told me he will take care of it when everything comes to. Fast forward to XX/XX/XXXX I received a collections letter with court documentation dated XX/XX/XXXX stating we owed XXXX. At this time I reached out to him via social media ( we haven't spoken, his number was changed ) asking him how he let it get this bad. He stated he hadn't been served although his updated address was on the court documents attached. He stated he got " something in the mail '' then saw the noticed on our apartment door after he " moved most of his stuff out ''. I asked if he saved the money I gave him from XXXX ( approximately XXXX ), his response was " I did for a little while, but after time you feel like it just went away, plus stuff comes up fast ). He stated he would have his attorney look into it as he is currently dealing with something else. I was wrong for thinking he would be clearing my name, and because I thought that ; I overlooked that I was able to dispute the debt by XX/XX/XXXX. My wages started getting garnished XX/XX/XXXX. I tried reaching out to him at that time to see if he was able to do anything on his end, I didn't have a correct phone number for him and he was ignoring my message on social media. I am a single mother with XXXX kids and I have been significantly have been affected by this. I was lucky enough to rent my current place from a family friend, but now that my lease is up I fear I might not be able to find somewhere given I have this on my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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 recently review 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 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 2025-03-21 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: NJ

Complaint narrative:
I was alarmed that there are inaccurate late payment remarks on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am filing this complaint against TransUnion for their continued violations of the Fair Credit Reporting Act ( FCRA ), failure to follow reasonable procedures, and refusal to properly address my dispute. Despite my previous attempt to resolve this matter privately, TransUnion has failed to take corrective action, leaving me no choice but to escalate this issue to the Consumer Financial Protection Bureau ( CFPB ). As a federally protected consumer, I am fully aware of my rights to privacy under 15 U.S.C. 1681a ( 4 ) and my rights under 15 U.S.C. 1681b ( 2 ), which clearly states that a consumer report may only be furnished with the written authorization of the consumer. I DID NOT provide TransUnion with written authorization to report the XXXX XXXX account ( Account XXXX ), which means TransUnion is reporting this account without a permissible purpose, in direct violation of federal law. Additionally, TransUnions actions demonstrate willful and negligent noncompliance with the FCRA under 15U.S.C. 1681n and 15 U.S.C. 1681o. Instead of properly investigating my dispute, TransUnion has failed to follow reasonable procedures to assure maximum possible accuracy as required by 15 U.S.C. 1681e ( b ). Furthermore, I demand that no AI verification through the E-OSCAR system be used in handling this dispute, as it does not constitute a reasonable investigation. As a direct result of TransUnions reckless reporting and failure to correct this inaccurate information, I have suffered severe financial and emotional distress. I am unable to secure a mortgage for my family due to this erroneous entry, leaving us in an unstable housing situation. This constitutes actual damages, and under 15 U.S.C. 1681n, TransUnion is liable for statutory damages of up to {$1000.00} per violation, in addition to punitive damages for willful misconduct. I am formally demanding that TransUnion immediately delete the XXXX XXXX account from my credit report and provide me with written confirmation and an updated copy of my corrected report within 14 days. If TransUnion fails to comply, I will have no choice but to seek legal counsel and pursue full monetary damages under the FCRA, including for defamation of character and emotional distress. I urge the CFPB to take immediate action to enforce TransUnions compliance with federal consumer protection laws and hold them accountable for these violations.

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 2025-03-21 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: CA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-03-21 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: NY

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 2025-03-21 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: NY

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 2025-03-21 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: Exeter Finance, LLC.
State: NC

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : Exeter Finance LLC Account Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Management Services, Inc.
State: TN

Complaint narrative:
I notice four different medical debt listed from unknown source. I never received any type of correspondence regarding these debts. Its a violation of my HIPPAA rights

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 2025-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: ID

Complaint narrative:
On XX/XX/year> I tried again to link a fintech platform to HSBC using the Plaid service with my routing and account number. This was blocked. I contacted my relationship manager and was informed that the block is due to XXXX purposes and there is no way for a client to request removing blocking this legitimate service. As a result, I conducted a wire transfer on XX/XX/year> using an existing payment information saved in my account that had been used successfully previously without issues. However this time HSBC froze my account and opened a security questions in reference W-XXXX. HSBC has still not released the funds to either the payee or myself, still is blocking Plaid without providing the reason, and is making payment products that are anticompetitive and challenging to consumers to access their own funds using lawful services for legal purposes. I wish HSBC to either allow me to use XXXX or provide written explanation on why they are blocking clients from using XXXX. I hope HSBC improves its XXXX security review handling in a manner that is easier for clients such as in the secure mobile application.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
Hello, I purchased tickets from XXXX for a football game on XXXX. XXXX shortly provided me with the link to transfer ownership of the tickets from a site called XXXX. When i used the link it stated the owners name and a button to allow me to transfer the tickets. after the button was clicked the page would refresh and would state that the transfer was not accepted at this time. after making sure all the email address linked up and i had no extra account on XXXX, I then made the phone call to XXXX. They informed me of their protections and that they were not able to do anything further until an hour before the event. If the link still did not work that they would provide me with other tickets or issue a refund. an hour before the event the link still stated the same thing and XXXX did not provide me with compensation. I then escalated to Paypal after a week Paypal closed in favor of XXXX. I then tried to fix this with XXXX again only to be left unaswered for over 3 months and weekly checkups that took me upwards of XXXX minutes on the phone each time. After feeling left, i escalated again with Synchrony bank through Paypal credit. I recieved an email back today that they also sided with XXXX. I never once saw those tickets or received any sort of compensation from 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 2025-03-21 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: SC

Complaint narrative:
The following accounts are not mine and were unauthorized : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX 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 explanation
Consumer complaint received 2025-03-21 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: SC

Complaint narrative:
The following accounts are not mine and were unauthorized : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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:
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 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 2025-03-21 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: CA

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 explanation
Consumer complaint received 2025-03-21 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: Shellpoint Partners, LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX sold my mortgage to NewRez. 

The mortgage had a XXXX XXXX paid to XXXX by the seller of {$6600.00} for 24 months. 
12 month buydown of 2 %, then 12 month buy down of 1 % First mortgage payment was due XX/XX/XXXX and included {$360.00} of the buydown amount. 
The next XXXX payments due XX/XX/XXXX - XX/XX/XXXX also included the {$360.00} buy down. 

XX/XX/XXXX the buydown switched to {$180.00}. 
Only the next XXXX payments - XXXX/XXXX/XXXX included the {$180.00} buydown. 

Payment due online XX/XX/XXXX DOES NOT REFLECT the LAST MONTH of the buydown. 
The paper statement sent to me on XX/XX/XXXX does reflect the buydown... but NO ONE will help me correct the error. They also " they system '' reflects the end of the buydown and that the paper statement is wrong. But the math does not add up to the contract I have from the mortgager.

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