vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-30 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have been a victim of identity theft this is why all of a sudden there are 1 million inquiries, but they're not from me. I've reached out to each and every one of these banks they're aware of the fraudulent activities, but they said that it was up to the credit union to remove the inquiries. That you would reach out to the bank, and they will confirm that they were fraudulent and all of these inquiries below would be removed from my credit report and I know what you're gon na say. These were reported to you yes by criminals who were trying to open credit accounts without my permission, but these are not my credit inquiries I didn't apply for any of these cards XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 My name is XXXX XXXX XXXX That is my only name. Any other variation of my name was submitted to the credit bureaus fraudulently to attempt to open lines of credit without my permission. XXXX XXXX is the only name that should be listed on my credit report nothing else. All other names all other combinations or versions of my name should be deleted and again I know somebody reported them to you. That was the criminal who was trying to open illegal credit cards fraudulently please remove all of the versions except for XXXX XXXX. 

For the past 27 years I have lived at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX before that I was still living at home in XXXX XXXX XXXX XXXX XXXX is my home address and the only address that should be listed on my credit report. Any other address was submitted to you fraudulently. I was a victim of identity theft, and all other addresses were being used in the attempt to open lines of credit without my permission All other addresses except for XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX should be. Removed immediately as fraudulent feel free to check with my credit cards. That's the only address they have. 


XXXX {$10000.00} and {$2500.00} transactions on the card are fraudulent. The bank has not performed a proper investigation. 

XXXX XXXX XXXX XXXX is not closed. The account is still open with {$1000.00} credit limit. 

XXXX both XXXXXXXX XXXX and XXXX 's credit cards are still open and active. Not sure why they're being reported as closed. They are not closed.

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 2025-01-30 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: VA

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 non-monetary relief
Consumer complaint received 2025-01-30 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, 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 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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
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 2025-01-30 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: GA

Complaint narrative:
I am filing a formal complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my repeated submissions, XXXX consistently responds within 24 hours, stating that the account in question is accurate. However, they fail to provide any evidence that a thorough investigation has been conducted. 

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates that credit reporting agencies must conduct a reasonable investigation of any disputed information. By not performing an adequate investigation or providing sufficient documentation to support their conclusions, XXXX has failed to comply with the requirements set forth in the FCRA. 

Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ). The Consumer Financial Protection Bureau ( CFPB ) has recently addressed such violations in their administrative proceedings, emphasizing the need for companies to ensure they are not engaging in deceptive practices that harm consumers. 

As a result of these failures, I am requesting that XXXX take immediate action to review and correct the inaccuracies in my credit report, provide a comprehensive response outlining the steps taken during the investigation, and ensure full compliance with the FCRA and CFPA going forward. 

Please treat this matter with the urgency it deserves and provide a prompt response detailing your intended course of action. 

These are the accounts that Ive marked as inaccurate ; 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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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:
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 explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Formal Dispute Regarding XXXX Account ( Acct No. Ending XXXX ) & Request for Verification of Charge-Off Date To Whom It May Concern, I am writing to formally dispute the reporting of the XXXX ( XXXX ) account, Account No. ending in XXXX, on my Equifax credit report. Despite multiple attempts to rectify this issue, Equifax has failed to accurately reflect the correct status of this account, even after I provided documentation of the agreed-upon settlement and payment schedule. 

Your response states : " This creditor has verified to our company that the current status is being reported correctly. The prior payment history on this account has been updated. The balance of this item has been updated. Historical account information was updated on this account. The following fields have been modified : Closed Date, Scheduled Payment, Past Due, Actual Payment, Balance, Additional Information, Account History, Historical Account Information. '' However, I challenge the accuracy of the charge-off date reported. The settlement agreement was reached prior to the charge-off being listed, and I require verification of the exact date of charge-off and contact information at Synchrony In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting : Written proof from XXXXXXXX XXXXk ( XXXX XXXX of the precise date the charge-off occurred and person contacted with contact details : ie email or phone number. 


Any internal notes, memos, or records reflecting Equifax communication with XXXXXXXX XXXX regarding this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-01-30 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 have not supplied proof under the doctrine of estoppel by silence, 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 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 2025-01-30 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 have not supplied proof under the doctrine of estoppel by silence, 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 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 2025-01-30 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: DE

Complaint narrative:
Account Name : XXXX XXXX XXXX Inaccurate Information : The balance reported is incorrect, and I do not owe this amount. Please investigate and remove the incorrect balance from my report. 
Action Requested : Please delete or correct this information if not updated correctly within the 30-day timeframe. 
Account Name : XXXX XXXX XXXX XXXX XXXX. 
Inaccurate Information : The balance reported is not owed. Please investigate and remove the incorrect balance. 
Action Requested : Please delete or correct this information if not updated correctly within the 30-day timeframe. 
Account Name : XXXX XXXX XXXX  Account Number : Ending in XXXX Inaccurate Information : The reported balance and payment history are incorrect. The balance is not accurate, and the payment history is incomplete. Please correct the balance and update the payment history to reflect accurate information. 
Action Requested : Please delete or correct this information if not updated correctly within the 30-day timeframe. 
Account Name : XXXX XXXX XXXX Inaccurate Information : The balance reported is incorrect and is not owed. Please investigate and update the account to show the accurate balance. 
Action Requested : Please delete or correct this information if not updated correctly within the 30-day timeframe. 


These accounts violate FCRA Section 605 ( c ) [ 15 U.S.C 1681c ], FDCPA 807 [ 15 USC 1962e ] ; FDCPA ), 15 USC 16921692p.

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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
Account Name : XXXX XXXX XXXX Inaccurate Information : The balance reported is incorrect, and I do not owe this amount. Please investigate and remove the incorrect balance from my report. 
Action Requested : Please delete or correct this information if not updated correctly within the 30-day timeframe. 
Account Name : XXXX XXXX XXXX XXXX XXXX. 
Inaccurate Information : The balance reported is not owed. Please investigate and remove the incorrect balance. 
Action Requested : Please delete or correct this information if not updated correctly within the 30-day timeframe. 
Account Name : XXXX XXXXXXXX XXXX Account Number : Ending in XXXX Inaccurate Information : The reported balance and payment history are incorrect. The balance is not accurate, and the payment history is incomplete. Please correct the balance and update the payment history to reflect accurate information. 
Action Requested : Please delete or correct this information if not updated correctly within the 30-day timeframe. 
Account Name : XXXX XXXX XXXX Inaccurate Information : The balance reported is incorrect and is not owed. Please investigate and update the account to show the accurate balance. 
Action Requested : Please delete or correct this information if not updated correctly within the 30-day timeframe. 


These accounts violate FCRA Section 605 ( c ) [ 15 U.S.C 1681c ], FDCPA 807 [ 15 USC 1962e ] ; FDCPA ), 15 USC 16921692p.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: MA

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 2025-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC
State: TX

Complaint narrative:
After an escrow analysis done by round point mortgage company back on XX/XX/XXXX my payment went up by {$550.00}. On XXXX my payment was still the same as the past 7 months {$2800.00}. But in the following three months went up as follow : XX/XX/XXXX ... ... {$3400.00} XX/XX/XXXX ... ... {$3400.00} XX/XX/XXXX ... .... {$3300.00} The first time that I contacted customer service was back in XXXX. Customer service told me it was because there was an XXXX XXXX XXXX XXXX I added with XXXX. I contacted XXXX XXXX immediately, they used to be my insurance company the previous year ( XXXX ) but I switched to XXXXXXXX XXXX XXXX XXXX XXXX since XXXX Prices went up. XXXX confirmed that my policy was cancelled on XX/XX/XXXX and provided me and Round Point with the cancellation documentation. 

From the dates XX/XX/XXXX to XX/XX/XXXX my insurance company was with XXXXXXXX XXXX XXXXXXXX. My policy amount was {$2700.00} and that was added to my escrow with Round point and they sent payment to them. 

On that XX/XX/XXXX Escrow analysis that Round Point did, I noticed that XXXX was added back in my Loan. I talked multiple times with customer service with round point, and told them about the issue and about my payment increase. Till this date all Round point has done is " INVESTIGATING '' my case with no solution. They order a new escrow analysis and escalated my case I don't know how many times. I do know that I've spent hours in the phone with them. 

I sent multiple emails with all the paper work from XXXX, XXXX, and no results. I talked on the phone with them ( XXXX and XXXX ) and asked them to sent Round point a copy of the cancellation paper work to see if that worked but haven't hear from them. In two days a fourth payment of {$3300.00} will be withdrawn from my account, making my extra payment more than {$2000.00} that I'm not responsible for. 

I talked to my Realtor about this issue, and her title company lawyer suggested to file a complaint with you. Hopefully I can get this issue resolved before I ran out of my savings money to cover their error. 

Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Approximately 6 months ago, I requested my free annual credit report, but have yet to receive anything!

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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
My information was involved in a data breach and according to 15 USC1681 which governs access to consumer credit report records and promotes accuracy, fairness and the privacy of personal information I am requesting all negative credit, bankruptcies ', collections, credit inquiries and late payments be removed from my report.

Company response to consumer: Closed with explanation