vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). I'd like to emphasize that I am the one submitting this complaint and there is no third party involved. 
Despite having sent multiple letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ). 

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under identitytheft.gov clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through identitytheft.gov, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid.

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : 1.Parker v. Time Warner Entertainment Co. L.P. , 331 F.3d 13 ( 2d Cir. 2003 ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process.

2.Sarver v. Experian Information Solutions , Inc. , 390 F.3d 969 ( 7th Cir. 2004 ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report.

3.Henson v. Santander Consumer USA , Inc. , 2017 U.S. Dist . LEXIS 191143 ( E.D. Va. 2017 ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 

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 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This morning, I discovered incorrect accounts listed on my credit report, and I have no idea how they got there. When I checked my report as I normally do, I was surprised to find unexpected discrepancies. I even refreshed my browser, thinking it might be a temporary glitch, but the inaccurate accounts remained. Due to this issue, I kindly request a thorough review of the documents Ive provided so I can have peace of mind moving forward.

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 2025-03-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
To Whom It May Concern : This letter is being sent to you in response to a listing on my credit report. This is not a refusal to pay, but a notice to request validation. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. Be advised that I am not requesting a " verification '' ; 1 am requesting a " validation ; '' that is, competent evidence that I have some contractual obligation to pay you. Please provide at least the following information within 30 days from the date of your receipt of this request for validation : Name and Address of Alleged Creditor : Name on File of Alleged Debtor : Alleged Account # : Address on File for Alleged Debtor : Amount of alleged debt : Date that this alleged debt became payable : Date of original charge off or delinquency : Was this debt assigned to debt collector or purchased?

Amount paid if debt was purchased : Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor.

If your offices fail to respond to this validation request within 30 days from the date of your re and a cony or such deetionregest sha ba sent o me mmedae y moved from my credht

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I had a account with Chase bank i cashed a check for someone & i gave them the cash put the check in my account. Chase put a hold on the account saying all parties must be verified from XXXX to XXXX i called for Chase to get the verification done and they kept stating the person who the check was written couldn't be verified even with i.d . he had to be verified by phone this went like I said from XXXX to XXXX, from XXXX through XXXX I had not been in touch with chase I was in Jail I was released in XX/XX/year> after my release I began contact with them again only to find out that they issued a check to someone in Tennessee I've never been in Tennessee so my first contact with chase they were supposed to stop payment on the check & issue one to me & failed to do so they've been having me call every week since XX/XX/year> with no resolution. They had me go to the branch on XX/XX/year> to prove who i was said i should have the check in 10 business days & to call in a week for tracking number i did that still no resolution when I went into the branch the manager said the check was sent to the XXXX address of course thats a lie because shes the only one who said that address. I am still seeking a resolution to the ongoing problem of having XXXX $ that was put in a account under my name to be released to me & the fear that someone who could easily portray me & gain access so easily & change my information chase did not stop payment on the check till last week. I have XXXX under stress & the last 3 days i have been in bed hardly getting up & have been having XXXX this is stressful i dont have documents as most activities was on the phone except for going to the branch however mycase.gov proves i was incarcerated at the time the check was issued. I want a check delivered to my address of XXXX XXXX XXXX XXXX XXXX XXXX & a apology for the toture that chase has put me thru

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
On XX/XX/year> I received an Identity Shield alert that I had two new credit inquiries : one from XXXX and the XXXX XXXX XXXX. I called each of the banks to notify them that I did not request any new credit lines and then attempted to log into my Experian account, only to realize that my account had been taken over. I contacted Experian through their listed number. All numbers listed seem to end with the same automated service that wants you to provide information that in my case had been changed. I found an Experian number for business accounts that allowed me to speak with a live rep. They assured me that they had placed a credit freeze and a fraud alert. I did the same thing with XXXX. Unfortunately, the thieves have all of my personal info including SS # and they went right back to Experian and lifted the freeze and the alert. When I figured this out, I again contacted Experian and replaced the freeze and fraud alert and again the thieves lifted both restrictions. Since then, Experian has continued to provide seven credit inquires with five of them resulting in open accounts. From the historical perspective, it appears that Experian provided the first breach of information that allowed the thieves to secure all of my information. Since then, they have been targeting banks that use Experian as their primary source of verifying credit history. Experian has ineffective ways of keeping the credit freeze and fraud alert when the SS # has been compromised and they have been aiding my victimization. They have asked me to submit paperwork, which includes copies of my drivers license, SS #, etc., yet I do not trust them with this information. Please help. The thieves have been relentless. My health is failing due to the overwhelming stress regarding this situation. My work performance is also declining to the amount of hours I have to spend closing account that Experian gave the go ahead to establish. I need assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Transunion, Experian, EQUIFAX SCAM MY INVESTIGATION AND I DO NOT HAVE PRIVACY ON MY CREDIT REPORT

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

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Selene Holdings LLC
State: PA

Complaint narrative:
Personal issues including fraud/identity theft happened to me at the beginning of 2025. This caused chaos with all payments coming out of my account ( including this particular mortgage ) ( Keep in my that Ive had this mortgage for 3 years and never missed a payment.. auto draft was on like clock work since the day of closing ) Well, I miss XXXX payments and I contact the mortgage company XXXX XXXX trying to resolve this whole thing. 

The first phone representative I talk to gives me a number owed which was right around {$3400.00} ( typical monthly payment is {$1300.00} ). This was 2 months or mortgage payments and what sounded like some late payments so I was fine with paying this up. This representative informed me that this {$3400.00} owed would stay at this figure for XXXX more weeks until more fees were tacked on. 

I give a call back to the mortgage company XXXX XXXX ready to pay up and this is when XXXX informed that I was told wrong by the last representative and I actually owe over {$7000.00}!!! 
He listen to my last phone call recording and informed me he filed a complaint on this employee. He admitted that the gentleman told me wrong. 

I told him that I was unable to pay this amount at the given moment due to lack of XXXX and he suggested filing for a deferment. So I did. He told me the decision typically takes XXXX business days but could take longer. 

Well. Today is now XX/XX/year> and this company is telling me that I owe over {$13000.00} to get my account current and they still have not made a decision on my deferment. We are going on 22 days since the request was submitted! 

XXXX not sure what to do at this moment. I would have had enough time to get this entire thing right if I would have been told the correct information on my first phone call with the company. Now this thing has spiraled out of control and I have no idea whats going on with this deferment and if XXXX be able to pay this absurd amount of money they now want to bring me current. 


I XXXX lose this property.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Complaint Against Experian for Failure to Correct Inaccurate Late Payments on My Credit Report Dear XXXX XXXX XXXX am filing a formal complaint against Experian for failing to correct inaccurate late payment information reported on my credit report. These late payments are erroneous, as I have never made any late payments on ANY of the accounts in question. Despite my repeated attempts to resolve the matter directly with Experian, they have ignored my dispute and failed to investigate or remove the incorrect information.

Here are the details of my case : Section 1681i ( Reinvestigation of Disputed Information ) : Experian is required to investigate disputed information within 30 days. They have ignored my dispute and failed to correct the inaccuracies. 
Section 1681e ( b ) ( Accuracy of Information ) : Experian must ensure the accuracy of the information on my credit report. Their failure to address these incorrect late payments is a clear violation of this duty.

Section 1681i ( a ) ( 1 ) ( A ) ( Resolution of Disputed Information ) : Experian is obligated to resolve disputes promptly and inform consumers of the outcome. They have not provided me with any response or corrected the reported errors.

Section 1681n ( Civil Liability for Willful Noncompliance ) : Experians willful failure to correct the inaccuracies may warrant civil liability for damages under the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : INQUIRIES 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

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 2025-03-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: AZ

Complaint narrative:
This company bought my mortgage last year and to date they havent pulled my payments as directed, failed to pay my insurance and my second half taxes due on XX/XX/XXXX. I have many emails and phone calls to and from the company only to have them drop the ball in every instance. I have, per their request set up my auto draft 3 times only for them to fail at getting it processed. Now I discover that have not yet paid the XXXX half of my property tax due XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally dispute fraudulent accounts that appear on my Transunion credit report. Despite multiple disputes and the submission of a police report, Transunion has failed to remove these accounts, which were fraudulently opened in my name. 
My ex-boyfriend, whom I previously lived with, had access to my personal information, including my email accounts, bank accounts, and Social Security card. He broke into my car and stole my wallet, which contained my Social Security card, debit cards, and other personal items. Using my stolen information, he applied for credit cards and various services, funded them with money from my checking account, and made minimal or no payments, leading to these accounts being sent to collections. I have never authorized, used, or made payments on these accounts. I have already filed a police report regarding this theft, which has been approved by the police department, and I have provided a copy to Transunion. 
I have disputed these fraudulent accounts numerous times, yet they remain on my credit report, severely damaging my financial standing. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), Transunion is required to conduct a reasonable investigation into disputed information ( 1681i ), remove inaccurate, incomplete, or unverifiable information within 30 days ( 1681i ( a ) ( 5 ) ), and prevent the inclusion of fraudulent accounts when evidence of identity theft is provided ( 1681c-2 ). Additionally, under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ), debt collectors may not attempt to collect a debt that is not validly owed ( 1692e ). Reporting fraudulent debts as legitimate is a violation of federal law.

I am requesting that Transunion immediately remove the fraudulent credit card accounts and associated collections from my credit report. Transunion must also cease reporting these fraudulent accounts to other bureaus and creditors and provide written confirmation that they have been removed. I have attached a copy of the police report as evidence of the identity theft. G
iven the clear proof of fraud, Transunions continued reporting of these accounts is unlawful and is causing me significant harm. If this matter is not resolved promptly, I will escalate my complaint to the Federal Trade Commission ( FTC ) and consider legal action for violations of federal consumer protection laws.

I expect Transunion to comply with its legal obligations and remove these fraudulent accounts immediately. Please confirm receipt of this complaint and provide an update as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
Subject : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department of Education Abolishment To Whom It XXXX Concern, I am filing a formal complaint against XXXX, XXXX, XXXX, and TransUnion for the continued reporting and collection of student loan debt that is now legally void following the executive order to abolish the U.S. Department of Education.

Complaint Details : Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education. 

Failure to Verify Legitimacy of XXXX XXXX has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment. 

Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ).

I demand an immediate investigation, deletion of these accounts from my credit report, and cessation of any collection efforts by XXXX. If this matter is not resolved promptly, I will pursue further legal action. 

Sincerely, 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 2025-03-21 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: OR

Complaint narrative:
Subject : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department of Education Abolishment To Whom It XXXX Concern, I am filing a formal complaint against XXXX, XXXX, Equifax, and XXXX for the continued reporting and collection of student loan debt that is now legally void following the XXXX order to abolish the XXXX Department of Education. 

Complaint Details : Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education. 

Failure to Verify Legitimacy of XXXX XXXX has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment. 

Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ).

I demand an immediate investigation, deletion of these accounts from my credit report, and cessation of any collection efforts by XXXX. If this matter is not resolved promptly, I will pursue further legal action. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation