vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-28 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Fay Servicing, LLC
State: NC

Complaint narrative:
Fay Servicing was not authorized to place my name on a mortgage loan. 
Im formally addressing a serious issue regarding the unauthorized approval of a loan using my personal information, which was conducted without my consent. This action constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and my rights as a consumer. 

It has come to my attention that my name was included on a credit application and subsequently approved for a loan without my authorization. I did not give permission for my credit report to be accessed or for my information to be used in this manner. Under the FCRA, a creditor must have a permissible purpose to access a consumer 's credit report, and this situation clearly does not meet that criterion. 

I request that you provide the following documentation : 1. A copy of the signed loan application that includes my name.

2. Any records or correspondence related to the approval of this loan.

3. Evidence of consent or authorization for the access of my credit report.

The unauthorized listing on my credit report has caused significant distress and potential damage to my creditworthiness. I expect immediate action to rectify this situation, including the removal of my name from any related accounts and the correction of my credit report to reflect this error. 

Please be advised that I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB XXXX XXXX  and pursue all necessary legal remedies if this issue is not resolved promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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:
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 2025-04-28 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: NJ

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 non-monetary relief
Consumer complaint received 2025-04-28 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: CL Holdings LLC
State: VA

Complaint narrative:
I asked if they could send me the contract that was signed with the company that they purchased it from, and I was not provided that info

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: TN

Complaint narrative:
Upon reviewing my payment records, I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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 2025-04-28 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume 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 2025-04-28 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: FL

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 2025-04-28 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: FL

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 explanation
Consumer complaint received 2025-04-28 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:
I came across the CFPB Experian lawsuit. 

The CFPB recently found that Experian hasnt been properly investigating consumer disputes or considering all the information provided. I feel like my concerns havent been taken seriously, and I need this fixed immediately. 

Please investigate this thoroughly and update my credit report to remove the inaccurate information. Ive attached documents to support my claim : I feel I was negatively impacted, hurting my chances at credit after receiving a response to my earlier dispute that the accounts were " verified '' There was no actual verification process completed by Experian to verify these accounts were actually valid.

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 2025-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Ocwen Financial Corporation
State: VT

Complaint narrative:
On XX/XX/year>, I called PHH about a potential recast of my existing mortgage with them. I spoke with their representative XXXX. During that call, he told me that there was no fee for a mortgage recast. Based on that information, I transferred {$90000.00} into my PHH mortgage account, then called again to set up the recast. Once I got the recast documents, I noticed that there was a {$250.00} fee. I asked them to waive the fee based on the erroneous information. Here is their response : -- -- - Dear Customer, Thank you for the recent communication regarding the account referenced above in which you where you mentioned that incorrect information was provided about the XXXX processing fee. Consequently, you requested the removal of the {$250.00} fee. 

Thank you for bringing this to our attention. We strive to provide world-class customer service and apologize that this standard was not met. 

After reviewing the telephone conversation dated XX/XX/year>, we verified that our representative mistakenly informed you that there would be no fee for the recast. We sincerely apologize for any inconvenience this may have caused.

To complete the recast, a fee of {$250.00} is required, as detailed in the recast agreement sent to you. This fee covers administrative costs associated with recalculating the loan payments and updating the agreement. We are unable to waive this fee. To proceed with the recast process, this fee must be paid. 

For copies of collateral or mortgage account documents used to make the above determination, please write to the Research Department at PHH Mortgage Services, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX, FL XXXX. 

We trust that the information provided has fully addressed the concern. 
For any questions, please call us at XXXX. We're available Monday through Friday from XXXX AM to XXXX PM and Saturday from XXXX AM to XXXX PM ET. Depending on the status of the account, specific information may also be available online at the website listed below. 

Sincerely, XXXX XXXX -- -- - As you can see, they admit to providing incorrect information. I have not yet paid the {$250.00} fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: DISCOVER BANK
State: NJ

Complaint narrative:
I have received checks from Discover back around XX/XX/year>. These checks were related to accounts which had been closed a few years ago and funds were just now released. There are two checks which I attempted to deposit to XXXX bank. These checks were sent directly from discover. The funds were deposited into my chase account, however they need to verify the checks with Discover in order to release my funds. Upon getting in contact with Discover, once with my lonesome and another attempt with a XXXX banking supervisor, Discover was unable to find these checks and had no information on them whatsoever, even though they had successfully been deposited into my account at XXXX. This resulted in my funds landing in a suspense account at XXXX and I have no access to them whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: TN

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 non-monetary relief
Consumer complaint received 2025-04-28 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: AL

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 non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My credit report also lists a bankruptcy record that I believe is either inaccurate or unverifiable. Under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an entirely accurate credit report. I am requesting a review of this bankruptcy entry and, if it can not be substantiated, its removal.

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 2025-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
They are trying to collect a debt they claim the original debtor was XXXX XXXXXXXX. It's not even on my credit report. I have four companies trying to collect on a non existing debt for XXXX XXXX  I asked for validation to no avail. I would like it removed from my report please. Even if I owes it there is no way I would know who to pay because they all claim I owe them. Lvnv. Is on my report as collections as the original creditor. But they said XXXX XXXXXXXX is. So they started a new date in XXXX so they have longer to collect. Please delete them. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block - 15 USC 1681i ( 5 ) - 15 USC 1681i ( a ) 1 - 15 USC 1681i ( a ) 6 ( B ) 3 - 15 USC 1681i ( a ) ( 5 ) B 15 USC 1692A - 15 USC 1692A-3 - 15 USC 1692A5 ACCOUNTS : XXXX XXXX XXXX - XXXX XXXX XXXX : XX/XX/XXXX - Balance : {$20000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX -- XXXX XXXX XXXX opened : XX/XX/XXXX - Balance : {$29000.00} XXXX XXXX XXXX - Original creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX - Balance {$1000.00} XXXX XXXX XXXX - Original creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX - Balance - {$1100.00} 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681i ( 5 ) 15 USC 1681i ( a ) 1 15 USC 1681i ( a ) 6 ( B ) 3 15 USC 1681i ( a ) ( 5 ) B 15 U.S.C 1666 B 15 USC 1692A 15 USC 1692A-3 15 USC 1692A5 15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g LATE PAYMENT CODE 15 USC 1681 BA2 LATE PAYMENT CODE 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 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 2025-04-28 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: TX

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 2025-04-28 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: GREENSKY OPERATIONS, LLC
State: UT

Complaint narrative:
The company is does not care about their unethical practice they are making a lot of money off of people.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
See attached ( samples ) - letters to me personally I received every month before submitting my complaint to CPFB and which continue - to date I have XXXX. 

XXXX confirms Equifax received all requested info multiple times, and XXXX retains the certified receipts, as do I. 

AGAIN I was denied for a loan because " Equifax doesn't match your other credit reports ; '' CFPB is reporting this case responded to and closed it. The case has never been responded to, only repeated back, and is still fully open. 

Both XXXX XXXX XXXX  and I brought to Equifax and CFPB the falsification of my credit card has been investigated and Equifax is negligent. Equifax sends the below every 30 days : " Equifax has received your complaint submitted through the CFPB portal. We need more time to review and thoroughly research your submission. Once we've completed our research, we will provide an updated response with our findings. '' For YEARS Equifax has been falsifying my credit report, with CFPB apparently complicit -see excerpt of all previous : This is exactly why Trump and his voters like me want CFPB employees fired. 

AGAIN : Equifax is not reporting my largest credit card ( XXXX ending in XXXX ), CFPB notifies me the company has responded. Equifax has never responded ; only returned the complaint. ( " Resolved : credit card is not reporting. '' ) THIS IS THE COMPLAINT - THE CARD IS NOT REPORTING. Thus my credit continues being falsified year after year, since all the other credit bureaus XXXX XXXX, and XXXX are reporting and only Equifax is not. Equifax 's responsibility is to report my credit accurately and CFPB 's is to address complaints positively or negatively. 

AGAIN : Equifax is falsifying my information online and not responding to my complaint ; CFPB is publishing it is. AGAIN : Equifax IS a credit reporting agency, who exists solely to report creditors. = AGAIN Equifax with CFPB 's help are FALSIFYING MY CREDIT REPORT - YES CFPB 's employees should be terminated immediately for incompetence at best - criminal collusion at worse.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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 requesting the immediate blocking and removal of unauthorized accounts from my credit report. I did not authorize or initiate these accounts and am unfamiliar with their origin. As stated under USC 1681g, I ask for their removal within the next 15 days. Enclosed are relevant documents for your review. There are also discrepancies, with different account details reported to each bureau.

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 2025-04-28 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: MO

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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