vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-07 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: NV

Complaint narrative:
My name is XXXX XXXX XXXX XXXX, and I am writing to formally dispute several hard inquiries on my credit report that I did not authorize. Under the Fair Credit Reporting Act ( FCRA ), only inquiries with my explicit consent should appear on my credit history.

Below is a list of the disputed 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 XXXX XXXX XXXX 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 I kindly request an investigation into these inquiries. If they can not be verified as authorized by me, I request their immediate removal from my credit 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 explanation
Consumer complaint received 2025-03-07 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: CO

Complaint narrative:
Subject : Formal Complaint Regarding Inaccurate Credit Reporting Due to Bank Error I am writing to file a formal complaint against U.S. Bank Home Mortgage for an inaccurate report on my mortgage account, which has caused significant damage to my credit score. The bank incorrectly reported my mortgage status as " 60 Days Late. '' The late payment status was due to an error by U.S. Bank.

I have already contacted U.S. Bank multiple times regarding this inaccurate entry from my credit report, as it violates my rights under the Fair Credit Reporting Act ( FCRA ). The bank has acknowledged that this is their error, not my fault, and have asked for the status to be corrected. Despite my efforts, the bank has not taken prompt action to correct the error, this has resulted in a XXXX drop in my credit score.

I am seeking the following resolution : 1-Immediate removal of the " 60 Days Late '' status from my credit report completely.

2-Correction of my credit report to reflect the accurate status of my mortgage account, including any negative impact the error may have caused.

3- Full restoration of my credit score by having the correct, on-time payment history reflected across all three credit bureaus ( XXXX, XXXX XXXX and XXXX ) 4-Confirmation in writing that the correction has been made.

If this issue is not resolved promptly, I am prepared to take additional steps, including pursuing legal action and filing complaints with other regulatory authorities.

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 2025-03-07 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: CO

Complaint narrative:
I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX 2025, along with a Federal Trade Commission ( FTC ) Identity Theft

Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items. 2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated. 3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXXXXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX XXXX XXXX XXXX ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA.

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft.

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

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 2025-03-07 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 have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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:
My car was stolen. Inside of my car was my purse. My phone and my wallet..literally my whole life was stolen. I made a police report. My car was recovered in XXXX, Texas so sad.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Debt Validation Request Pursuant to 15 U.S.C. 1692g of the FDCPA I am sending this letter in response to your recent communication regarding an alleged debt. I do not acknowledge this debt and request full validation under my rights outlined in the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 
Please provide me with the following information to verify the legitimacy and legal enforceability of this alleged debt : 1. Original Creditor Details : The name, address, and contact information of the original creditor. 
2. Last Statement Balance : A copy of the last billing statement from the original creditor showing the amount owed before the account was allegedly transferred. 
3. Proof of Assignment : A signed agreement or assignment contract that legally transferred the debt to your company. 
4. My Physical Signature on Original Agreement : A copy of the original contract or promissory note bearing my physical signature, showing my legal obligation to pay this debt. 
5. Itemized Account History : A full breakdown of how the alleged amount was calculated, including principal, interest, fees, and any payments made. 
6. Proof of Your Authority to Collect : A copy of any agreement between your company and the original creditor authorizing you to collect on their behalf or proof of ownership if you claim to have purchased the debt. 

Under 15 U.S.C. 1692g ( b ), collection efforts must cease until this validation request is properly fulfilled. Failure to provide the requested documentation within a reasonable timeframe will indicate non-compliance with federal law, and I will consider this matter closed. 

Additionally, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, you are prohibited from reporting inaccurate information to credit bureaus. If you have already reported this debt to any credit reporting agencies, I demand that it be removed until validation is completed. 

Please provide all requested documentation in writing to the address above. If you fail to comply, I will not hesitate to report your actions to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: NV

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-03-07 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-03-07 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: IN

Complaint narrative:
Im absolutely frustrated to find that a tradeline on my credit report is not reported with the maximum possible accuracy. This is a serious issue, and its completely unacceptable that my credit is being impacted by incorrect or incomplete information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: United Shore Financial Services, LLC
State: MA

Complaint narrative:
1. Appeal of 3rd & final Trial Payment plan went through as a partial payment 2. Representative never revealed if payment was to be from 2 separate verified accounts it would become a partial payment ; 1 went to escrow **** 2. ( b ) UWM does not accept partial payments nor was any online payment accessible only through phone representatives. 

3. Additional transfers would have been made and payment call back from 1 account if partial payment was revealed. 

3. ( b ) prior Two Trial payments received XX/XX/XXXX & XX/XX/XXXX XXXX. The payment was to ONLY go towards my FINAL TRIAL PERIOD PAYMENT PLAN ; not into escrow. 
5. Ive been informed this is the reason I was denied completion of the Trial Plan, which I am disputing. 
XXXX. We just got out of a hardship due to loss of income & special forbearance. 

7. Confirmation # XXXXwas given for Final Payment and told Loan was to be in process of being brought to Current after Modifications. 

8. Conversation w/ all rep ( s ) were noted and recorded 6. UWM rep informed the full amount being received from 2 accounts would be staggered apart BUT noted same day payment XX/XX/XXXX towards final Trial PAYMENT ONLY, only 1 confirmation number provided.

6 ( b ) there is absolutely no reason payment would be requested to be put into escrow during this time. 

7. I am disputing this partial payment and the denial decision of my Trial Payment Period - XXXX XXXX What is it XXXX XXXX XXXX XXXX. I am requesting my payment ( both ) to be placed to Trial Plan and decision to be reconsidered.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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.

Complaint narrative:
When my bank account issue to pay XXXXXXXX XXXX XXXX  I give handcash to them But they reported delay due Please fix it i did handcash correct time

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 2025-03-07 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: NV

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
Payments were late because of covid. refinanced mortgage was told that late payments were going to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: AL

Complaint narrative:
My first missed payment was XX/XX/year>, since than I have had 3 different times where they put it back to foreclosure and than collections, closed, than opened, back to foreclosure, than collections than closed and opened again, I have made several reports. Every time it pulls my credit back down. I cant get out of the XXXX and its been 6 years

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I am beyond frustrated to find a fraudulent inquiry on my credit report that was made online without my knowledge or consent. This is a clear case of fraud, and it is completely unacceptable that this is showing up on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Continuity of hard inquiries were applied to my account after contacting the direct resources to opt out promotions, guarantees, and helpful sources that weren't applicable to my status and falsely promising to remove the hard inquiries that were applied from credit reports ; in which were NOT.

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 2025-03-07 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:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : 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 2025-03-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Metro Collection Service Inc.
State: FL

Complaint narrative:
I am writing to dispute this reported debt by XXXX  XXXX XXXX XXXX XXXX XXXX of {$2100.00}. My contract with XXXX  XXXX ended on XX/XX/year>. This reported " debt '' is a clerical error on their part to which they reported a tenant payment reversal and requested the current property manager XXXX, to reach out to the tenants to inquire. XXXX XXXX has a strict no tenant contact policy with owners so I do not have any contact information. I have informed XXXX  XXXX of this as well. 

On XX/XX/year> I received my final statement from XXXX XXXX and was returned my security funds in the amount of {$450.00} from them. The original balance at start of the agreement was {$500.00} ( exhibit 1 ). The email also stated that they had completed all activities on the account ( exhibit 2 ). 

On XX/XX/XXXX an email was sent from them to both myself and XXXX state they had experienced a payment reversal and asked to reach out to the tenant for a payment back to them. XXXX responded that they needed to reach out to a portfolio manager. I responded that I never had tenant contact information as that was the policy of XXXX XXXX 

They state that XXXX had not returned contact past XX/XX/XXXX. Shortly after that I began to receive statements and emails stating that I owe the balance they lost track of. There is no clause in the contract I signed with them that states I would be liable for mismanagement of their accounts and pursuing tenants after their management agreement ended. 

This debt is not mine and is unjustly being placed on me. XXXX XXXX  has had all of the XXXX contact information but gave up on them and pursued me in place. For reference their contact info is : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: NE

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional 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 explanation