vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-26 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:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-03-26 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: NM

Complaint narrative:
Good day, I can't express how frustrating and exhausting this situation has been. Out of nowhere, I discovered a debt I know nothing about unverified and absolutely not mine. The constant harassment from various platforms and the looming threats of legal action are unbearable. As a law-abiding citizen, having my consumer rights disregarded like this is deeply insulting. The XXXX  and XXXX  have severely impacted my XXXXXXXX XXXX, leaving me with countless sleepless nights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: AL

Complaint narrative:
There has been fraudulent hard inquires made to my consumer report, there unauthorized charges made to my account

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 2025-03-26 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: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
I recently submitted a report via email to dispute inaccurate information from the credit bureau regarding my credit card statement. Despite my request for further investigation, the company has failed to take action. I kindly request your immediate attention to resolve this issue. Additionally, I would appreciate a confirmation receipt for my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: EQUIFAX, INC.
State: MI

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: AZ

Complaint narrative:
I HAVE BEEN A VICTIM OF IDENTITY FRAUD AND SOMEONE HAS USED MY IDENTITY TO OBTAIN GOODS AND SERVICES. THERE ARE 9 FALSE INQUIRES REPORTING ON MY ACCOUNT AND ARE NEGATIVELY IMPACTING MY CREDIT AND MY LIFE. HERE ARE THE INQUIRES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-26 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: Freedom Mortgage Company
State: NC

Complaint narrative:
Overview of Dispute I am disputing a damaging credit report entry from Freedom Mortgage in early XXXX. Despite fully complying with an escrow shortage notice in XXXX XXXXincluding a lump-sum paymentI was reported as delinquent, resulting in a XXXX-point drop in my credit score. 

This report stems from unclear and misleading communication in the Escrow Account Disclosure Statement. Freedom Mortgage has denied responsibility and refused to correct the impact, despite my strong payment history and good-faith efforts. 

I've maintained good standing on my loan, with no prior late payments. This incident reflects a communication failure, not borrower negligence. 

Issue 1 : Ambiguous Language in Escrow Statement The Escrow Disclosure states : " The escrow shortage amount will automatically be spread over 12 months. Your new monthly payment will be {$1000.00}. '' Nowhere does it clearly explain : " Even if you pay the full shortage, your monthly payment will still increase due to projected tax/insurance changes. '' This created a reasonable expectation that a full shortage payment would prevent a monthly increase, yet that was not the case. 

Issue 2 : Confusing FAQ and Payment Coupon Language The FAQ reads : " If you pay the total shortage, your monthly payment will no longer include the shortage collection amount. '' The coupon adds : " My new monthly mortgage payment will be adjusted to reflect the new monthly escrow deposit. '' These imply the payment will stabilize if the shortage is paid in full. Nowhere does it say the payment will still increase regardless. 

Freedom Mortgage 's Response On XX/XX/XXXX, I received a call from XXXX XXXX XXXX of the Executive Team. She stated : " The communication is clear. '' " The payment was late. '' " The Credit Reporting Act requires us to report it. '' " We can't change what was reported. '' She did not acknowledge the confusing language or XXXXXXXX XXXX confirmation in the escalation team that other customers had the same concern. I followed all internal steps in good faith but was given no path to resolution. 

Summary of Payment History Freedom Mortgage 's records show consistent, on-time payments from XXXX through XX/XX/XXXX, including multiple months with more than one payment. I paid the full escrow shortage of {$1100.00} on XX/XX/XXXX. The only payment marked late occurred in early XXXX after the escrow change. 

I haven't had a late payment reported to credit bureaus in over twenty years. While I haven't been with Freedom Mortgage that entire time, my record with them has been cleanno prior delinquencies. This was an isolated incident, clearly tied to miscommunication.

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 2025-03-26 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: AL

Complaint narrative:
Consumer name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/year> Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report, Ive attached a list of hard inquires in question as well as a copay of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the results of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the results of identity theft and fraud.

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 2025-03-26 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: FL

Complaint narrative:
I am a victim of identity theft. Despite submitting a complete dispute with documentation to Experian on XX/XX/year>, and again on XX/XX/year>, the company has failed to remove three fraudulent accounts from my credit report. I submitted a valid FTC Identity Theft Report ( Report # XXXX ), along with my government-issued ID, Social Security card, proof of address, and relevant credit report excerpts showing the fraudulent activity. 

The accounts in question are : XXXXXXXX XXXX {$2500.00} XXXXXXXX XXXX {$8600.00} The XXXX XXXX XXXX {$4700.00} These accounts were not opened by me and were reported as identity theft. I cited relevant laws including FCRA 1681c-2 ( a ), which requires credit bureaus to block fraudulent information within 4 business days of receiving a valid identity theft report, and FCRA 1681i ( a ), which requires a reinvestigation within 30 days. 

Despite my repeated notices and documentation, Experian continues to report these accounts, causing ongoing credit harm and emotional distress. I sent a final legal demand on XX/XX/year>, advising Experian of its noncompliance and intent to escalate the matter. As of today, no corrective action has been taken. 

I am requesting regulatory assistance in compelling Experian to immediately remove these fraudulent accounts and comply with its legal obligations under the FCRA and Florida 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 explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
Upon an initial request to validate the alleged private student loans, Navient refused to validate such loans. It was not until after the loans were bought by XXXX that the request for information to validate the loans was received from Navient. The alleged loans show a " write off '' and the university has confirmed that no private loans ever existed. Ongoing payments were made to Navient for the alleged private loans that were paid off around 2010 along with any existing federal loans leaving no alleged debt with Navient. A request for a copy of a " credible '' application was made to Navient. Received what appeared to be a copy and paste document that I never completed. My personal information/signature has been compromised in order to establish a debt and collect on it. They stated the application was sent to the university by XXXX the university denied this and also stated that all requests for any financial aid, both private and federal, had to first pass through them for approval. Asked Navient for records that showed where monies were disbursed. They stated that no records were kept pass 7 years. This is clearly a case of misclassification and/or fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
My Name : XXXX XXXX XXXX My DOB : XX/XX/XXXX My Address : XXXX XXXX XXXX XXXX  XXXX XXXX FL XXXX I am filing this complaint against Suncoast Credit Union regarding an excessive and unjustified hold placed on my tax refund check deposit in the amount of {$14000.00}. I deposited this check on XX/XX/XXXX, and the banks system flagged it for review. Since then, I have been unable to access my funds, and Suncoast Credit Unions XXXX XXXX Department has failed to respond to my inquiries. 

This delay is causing significant financial hardship, and I believe the banks actions violate federal regulations governing check holds and consumer protections. Specifically, I am citing the following : 1. Regulation CC Expedited Funds Availability Act ( 12 CFR Part 229 ) Under this regulation, financial institutions must make deposited funds available within a reasonable timeframe. Standard check holds should not exceed two business days for local checks or five business days for non-local checks, except in cases of reasonable doubt regarding the validity of the deposit. 
My check is a XXXX XXXX tax refund check, which is considered low risk and should be subject to next-business-day availability under the law. 
2. Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) 12 U.S.C. 5531 Suncoast Credit Unions failure to provide a valid justification for holding my check while refusing to communicate with me constitutes an unfair and abusive banking practice. 
If there were concerns about the checks validity, the bank had an obligation to notify me promptly and provide a reasonable timeline for review. Instead, I have been left without access to my legally deposited funds, which constitutes an unfair restriction on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: WI

Complaint narrative:
I am writing to formally dispute a late payment record on my accounts, account numbers : XXXX and XXXX, with DEPT ED XXXX According to my records, the payment in question was made on time, and I request a correction to reflect an accurate payment history. 

I have attached supporting documentation, including proof of payment, bank statements, and any correspondence regarding this payment. Based on this evidence, I kindly request that you investigate this matter and remove the late payment record from my account. 

I understand the importance of maintaining accurate financial records and believe that this late payment entry is incorrect. Please review my case at your earliest convenience and provide a written response confirming the outcome of your investigation. If necessary, I would appreciate any additional information you can provide regarding the reason for the late payment record.

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 2025-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Skrill USA, Inc.
State: CA

Complaint narrative:
They closed my account a month ago. I was initially told that I would get the money I had in there back within a week but I still haven't gotten it back. 

I've called them once a week for an update but no answer yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
predatory lending for credit acceptance corp that wasn't needed in the first place in the amount this simple theft {$1700.00} haven't done business with them in general didn't correspond with them in general my vehicle is new didn't buy it through them in general so they would have to agovern themselves accordingly or be charged with a simple theft penal codes statute will be applied

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 2025-03-26 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: MI

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 on my XXXXXXXX XXXX account [ XXXX ]. 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 explanation
Consumer complaint received 2025-03-26 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: DE

Complaint narrative:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking it.

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 2025-03-26 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: TN

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with explanation