vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-31 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. 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 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: CA

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND DEPRESSED. I recently discovered that I was listed as part of the XXXX data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in XXXX business days.

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 2025-03-31 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 am filing this FTC Identity Theft Affidavit to report a fraudulent account appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a personal credit card account opened at XXXX XXXX {$330.00} # XXXX opened XXXX, XXXX. XXXX {$3200.00} # XXXX opened XXXX, XXXX XXXX {$2500.00} # XXXX XXXX, XXXX XXXX {$270.00} # XXXX opened XXXX .These accounts have resulted in a fraudulent accounts appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. CFPB Complaint against XXXX XXXX XXXX Experian Consumer Name : XXXX XXXX XXXX Social Security Number : Consumer Date of Birth : XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the E xperian eporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, account have resulted in an account appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent item. 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 result 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 result of identity theft and fraud. What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the Experian credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within XXXX business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address 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 explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: PLANET HOME LENDING, LLC
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally address the mismanagement of my escrow funds during the refinancing process of my home loan. In May of last year, your company contacted us several times offering us a refinancing opportunity, which we accepted with the understanding that it would make our mortgage more affordable. However, we did not receive a refund of our escrow balance, and to this date, we have not received any explanation regarding what happened to those funds. 

As a result of this, we have faced significant financial hardship. Without escrow funds to cover property taxes, our mortgage payment increased significantly in less than a year, making it unaffordable. We are now nearly XXXX months behind on payments, which has placed a great strain on our household. When you check our record, you will see that we have never been late paying our mortgage until you increased our mortgage and made it unaffordable. 

Additionally, we were recently informed that we have XXXX mortgage loan accounts with your company. This is highly concerning, and we need clarification regarding this matter immediately. We need to understand why there are XXXX accounts under our name and how this impacts our financial obligations. 

We refinanced to make our mortgage more manageable. Had we known that our mortgage would skyrocket in such a short time, we would not have proceeded with the refinance. We wonder how many other consumers of your 's are facing similar issues, as this situation has been both financially and emotionally taxing for us. 
Additionally, we believe that this situation may reflect a broader issue that could be affecting other homeowners as well. 

If this issue is not resolved promptly and to our satisfaction, we will be left with no choice but to escalate this matter to the appropriate authorities. 

We hope that this matter can be resolved as quickly as possible. Please provide your response in writing as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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:
WE lost our home after the camp fire in XXXX California in XXXX m After years of waiting for settlement funds from XXXX we finally we are able to buy a new house. We moved in XXXX of XXXX and our mortgage was with united XXXX Mortgage and they were wonderful XXXX issues. In about XXXX of XXXX Mr. Cooper bought our loan and then everything was a train wreck. Around the first of the year we started getting notices about lapse in insurance so we had our agent submit everything. The letters kept coming. So on XXXX i emailed them copies again. On XX/XX/XXXX I received a letter saying they have updated their records and it was all taken care of. XXXX the same letters start again. This time when i was reviewing the customer portal of their website i noticed they had the premium for my policy as XXXX when its actually XXXX. This obviously advising affects my payment and escrow account. 

So in early XXXX i started submitting the same documents i submitted in XXXX, referred them to their own letter dated XX/XX/XXXX. They took XXXX weeks to respond and the response was they were charging me XXXX dollars for insurance back in XX/XX/XXXX where they say i had a lapse, then they said i didn't when i gave them my proof of coverage. And they have ignored my requests to address the XXXX discrepancy. 

I have wasted no less then XXXX hours dealing with this nonsense, their support is non existent and they are stealing money from me for their fake escrow insurance premiums amount. There has never been any policy for XXXX, only the XXXX policy for XXXX that they have been sent copies of numerous times. Yet i'm still paying it into my escrow every XXXX weeks. 

I have called and spent over a hour on support to never talk to anyone, they take weeks to respond to emails and don't even answer the questions. 

IF the government needed to protect anyone, its from scum bags like these guys with no support, no accountability and a fancy website. I cant image what they are doing to people who don't know any better.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: TX

Complaint narrative:
I am unable to access my Equifax credit file due to a persistent technical and identity verification error. Every time I attempt to log in or verify my identity, I am redirected to a broken mobile verification process that can not complete. I have contacted Equifax Customer Service multiple times, verified my identity over the phone, and submitted my identification, but the issue remains unresolved. I was also disconnected by an agent after an hour without resolution. 

This issue is preventing me from accessing and managing my credit profile. Equifax has failed to manually clear the block, despite me completing all required steps.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC
State: VA

Complaint narrative:
I just sub a Claim with another company about the same account and seem to have been sold to this new company Jefferson CapitalXXXX for the same thing again this is an old account I haven't had XXXX since 2014

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: GA

Complaint narrative:
" I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent.

You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected. 
"

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 2025-03-31 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:
Contacted Debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature. They have not been able to provide such proof to me therefore you are reporting misleading false accounts.Under 15 U.S. Code 1692d-Harassment and abuse have been harassed and have trauma this account in violation.

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 2025-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: LA

Complaint narrative:
On XX/XX/XXXX I disputed a transaction with chime for XXXX total was {$33.00} and they denied it. I disputed it because I had made a transaction twice because my order was not delivered the first time! So I only needed to dispute the first transaction. I submitted proof and they still denied it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am a victim of identity theft. XXXXXXXX XXXX XXXX is reporting a car that i never owned or signed my name on. I never gave anyone authorization or permission to open this account in my name. This negative and inaccurate account needs to be removed from the 3 credit reporting agencies immediately

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 2025-03-31 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: NC

Complaint narrative:
I am a victim of identity theft. XXXXXXXX XXXX XXXX is reporting a car that i never owned or signed my name on. I never gave anyone authorization or permission to open this account in my name. This negative and inaccurate account needs to be removed from the 3 credit reporting agencies immediately

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 2025-03-31 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: AR

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-03-31 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Signed up for a credit card with Synchrony bank to obtain a transmission repair and even with consistent payments on the card that were in compliance with minimums, the promotional no interest rates for a year seems to not have occured and even with half of the limit paid, I still owe more than what i originally placed on the card itself. Along with this a physical card was never sent to me even though I was informed that I would receive on after signing up.

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 2025-03-31 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: TX

Complaint narrative:
To Whom It May Concern, This is a formal dispute of several hard inquiries appearing on my credit report that I do not recognize, did not authorize, or are now outdated beyond reasonable reporting value. Under FCRA 604 and 611, you are required to provide proper documentation of permissible purpose or remove unverifiable inquiries. 

Please investigate and delete the following hard inquiries from my file : Equifax : XXXX XXXX XXXX XX/XX/year> TransUnion : XXXXXXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> Experian : No hard inquiries reported in the most recent record

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
XXXX XXXX accounts XXXX XXXX XXXX Credit Acceptance Corp XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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,

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 2025-03-31 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 a victim of identity theft. There were inquiries fraudulently made to my personal credit. I have sent in proof to the credit bureaus but they refused to have these removed. They are breaking the credit law. Please have this resolved with the credit bureaus by having them remove these inquiries immediately off my credit! Names of the companies and dates are listed below : XXXX ) XXXXXXXX XXXX  - XX/XX/year> XXXX ) XXXXXXXX XXXX  - XX/XX/year>

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 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I haven't been able to receive a credit report in about XXXX years. After numerous attempts of trying to gain access to my report directly through the companies and through XXXX  I have had no success,

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 2025-03-31 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: GA

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I tried to cash XXXX checks with Citibank after opening my checking and savings accounts with them, checking account number XXXX. XXXX was from payroll where I work for {$200.00}. The second was from XXXX XXXX for a closed account for {$1500.00}. Citibank closed my account and told me the checks declined due to my account being closed and that I would be free to cash them elsewhere. I spent a whole day driving around trying to get these checks cashed, they kept declining. XXXX refused to give me any information besides telling me the check was already cashed. XXXX would not tell me where the check was cashed. I contacted Citibank again today after hearing back from XXXX about the check already having been cashed and Citibank is refusing to give me any information regarding the checks. I need Citibank to finish closing my account and send me the funds for the checks if they were cashed OR provide me with the information requested. This has ruined my mental health and I am no longer able to pay for XXXX XXXX  because Citibank closed my account and I do not currently have a debit card number. I also expect some kind of compensation from Citibank for all of these issues and the distress they have caused me or I will be pursuing legal action.

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 2025-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: TN

Complaint narrative:
I made a money transfer of {$1300.00} from my XXXX account to my chime account. Chime stated they don't see the transaction. A case was open and they closed it. XXXX provided all information needed. Chime refuses to acknowledge the information and stated there is nothing they can do about it.

Company response to consumer: Closed with monetary relief