vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I started a loan modification in XX/XX/XXXX because my interest adjusted to a higher rate and mortgage became unaffordable. I had to go to court 4 times because they denying the loan, finally modification was approved XX/XX/XXXX we signed the loan modification agreement but the y included {$96000.00} fees and I am not sure if the were all fees of part of principal. I am selling property now and would like to know how I can negotiate these fees. I had XXXX XXXX  and I am retired on a fixed income and my payments mortgage are up to date. I also had to file bankruptcy XXXX  XXXX with the condition to keep real estate I was discharged 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 2025-02-18 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: AR

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 has violated my rights. 

EXPERIAN 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 has violated my rights. 


I looked at my Experian, XXXX XXXX XXXX credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-02-18 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: VA

Complaint narrative:
Dear CFPB, My name is XXXX XXXX, and I am writing to formally report that my personal information has been compromised due to a recent data breach. As a result, there are inaccuracies reflected on my credit report that I believe must be addressed urgently. 

The incorrect items currently reported discrepancies are not a result of my actions and are directly linked to the unauthorized access of my personal information. 

I kindly request that you investigate this matter and take the necessary steps to remove these items from my credit report to reflect accurate information. 


Please do not hesitate to contact me at XXXX XXXX or XXXX should you require any further information or clarification. 

Thank you for your attention to this critical matter.

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 2025-02-18 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: VA

Complaint narrative:
Dear CFPB, My name is XXXX XXXX, and I am writing to formally report that my personal information has been compromised due to a recent data breach. As a result, there are inaccuracies reflected on my credit report that I believe must be addressed urgently. 

The incorrect items currently reported discrepancies are not a result of my actions and are directly linked to the unauthorized access of my personal information. 

I kindly request that you investigate this matter and take the necessary steps to remove these items from my credit report to reflect accurate information. 


Please do not hesitate to contact me at XXXX XXXX or XXXX should you require any further information or clarification. 

Thank you for your attention to this critical matter.

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 2025-02-18 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: FL

Complaint narrative:
I'm writing to express my frustration over the inaccuracies in my report that are unfairly affecting my scores and, as a result, my future opportunities. These errors are not just numbers on a pagethey have real consequences. Because of them, Ive faced unnecessary rejections, higher rates, and missed chances that I should have rightfully had. Its incredibly frustrating to be held back by incorrect information that shouldnt even be on my report in the first place.

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 2025-02-18 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: FL

Complaint narrative:
This is not an error or misunderstanding. My credit report contains mixed and inaccurate information, including accounts, transactions, and items that do not belong to me. I have come across these discrepancies multiple times, and despite my efforts to resolve them, they continue to persist. This situation is extremely distressing and has caused me significant stress and 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 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

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 2025-02-18 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:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: PA

Complaint narrative:
I am writing to formally dispute several accounts listed on my TransUnion credit report, which I believe to be fraudulent. I did not open or authorize these accounts, and I have reason to believe that they are a result of identity theft. In support of my claim, I have already filed reports with the Federal Trade Commission ( FTC ), and I have attached copies of the FTC Identity Theft Report and other pertinent documentation. 

I respectfully request that TransUnion : Conduct a prompt and thorough investigation into the fraudulent accounts listed under my credit file. 
Remove any and all information related to these fraudulent accounts. 
Provide me with a written confirmation detailing the results of the investigation and the corrections made to my credit report. 
Enclosed you will find copies of the following documents : FTC Identity Theft Report A copy of my government-issued identification Proof of address Any additional documentation supporting my claim of fraud have all been provided Please address this matter urgently, as the continued presence of these fraudulent accounts is adversely affecting my credit standing and causing financial distress. 

Thank you for your prompt attention to this important matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Formal Dispute and Complaint Against Midland Credit Management Violations of 15 U.S.C . 6801, 6802, and 1692 To Whom It May Concern, I am filing a formal dispute and complaint against Midland Credit Management ( MCM ) for violations of federal law, specifically 15 U.S.C. 6801, 6802 ( Gramm-Leach-Bliley Act ) and 15 U.S.C. 1692 ( Fair Debt Collection Practices Act ). 

Alleged Violations : XXXX. Violation of 15 U.S.C. 6801 & 6802 ( Gramm-Leach-Bliley Act - GLBA ) Midland Credit Management has failed to ensure the security and confidentiality of my personal financial information as required under 6801.

Under 6802, MCM is required to provide proper notice before sharing my nonpublic personal information and allow me the opportunity to opt out. To my knowledge, I was never provided such notice nor given the option to refuse the sharing of my data with third parties.

I request that MCM provide a complete record of any disclosures or transfers of my personal financial data to third parties, as well as proof of compliance with GLBA requirements. 
XXXX. Violation of 15 U.S.C. 1692 ( Fair Debt Collection Practices Act - FDCPA ) MCM has engaged in unfair and deceptive collection practices, including [ describe specific violations, such as failure to validate the debt upon request, reporting inaccurate information to credit bureaus, harassment, or any misleading communications ]. 
The FDCPA requires debt collectors to provide validation of a debt upon request ( 15 U.S.C. 1692g ). I formally requested validation from MCM, yet they failed to provide sufficient proof that the alleged debt is valid, that they have the legal right to collect, or that they are in compliance with federal laws. 
If MCM has reported any inaccurate or unverified information to credit bureaus, it is a direct violation of my rights under the FDCPA and the Fair Credit Reporting Act ( FCRA ). 

Requested Resolution : I am requesting that the CFPB investigate Midland Credit Management for these violations and take appropriate enforcement actions, including but not limited to : Requiring MCM to provide a full accounting of how my personal and financial information has been handled, including any disclosures to third parties. 
Requiring MCM to cease all collection activities and remove any unverified or inaccurate information they have reported to credit bureaus. 
Holding MCM accountable for any deceptive or unlawful practices under the FDCPA and GLBA. 

I appreciate your prompt attention to this matter and look forward to a timely response. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: LA

Complaint narrative:
My name is XXXX XXXX XXXX bank with chime bank I the last and this month I was getting call about my chime fraud the chime fraud call me to tell me that someone was using my card in XXXX I did not give anyone permission to use my card I try to call them to get it fix but they said that where going to send me the information of the of the person who was using my card but they did not send me a copy the company did not help me out at all. I think the company is help some to use my card because they can the address and phone number that was associate with the account. I want to press charge for the person who was using my card, and I want to sue chime because they are not help me with my problem and I believe they are taking money from me. 

XX/XX/XXXX someone use my card the transaction was XXXX at target in XXXX, FL XX/XX/XXXX someone use my card the transaction was XXXX at XXXX in XXXX, FL XX/XX/XXXX someone use my card the transaction was XXXX at XXXX in XXXX, FL

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX is reporting 2 bank accounts that I NEVER AUTHORIZE FOR THIS ACCOUNT TO BE OPEN I informed them that this is not my account i also ask for a debt validation because this was open up online and the information is not accurate also equifax XXXX XXXX XXXX have names that are not mine XXXX XXXX XXXX XXXX IS MY ONLY NAME AND THE REST I ASK TO TAKE OFF I NEED YOU GUYS TO DO YOU WORK YOU GUES WAS JUST SUED I WANT THIS XXXX OFF MY FILE 15USC 1692G DEBT COLLETORS HAVE MUST VALIDATE DEBT I HAVNT RECIEVED ANYTHING BEcause they dont know the address and i have proof XXXX XXXX is a very old adress i havent use that over 25 years i want this debt removed UCC 3-501 I have the right to demand original proof and i have they cant provide me where i sign my signature this was open fraudulent and trying to make me pay again I will have both CfPb investigated if you going off they validate because i never received anything look at my credit file i also told you guys i was a victim identiy theft i also have phone converstion where i found out about this and called them trying to tell them it was fraud I WANT OFF I NEED MORE OF AND INVESTIGATION ON I WILL WRITE CONGRESS AGAIN ON THE LACK OF WORK YOU DOONG

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds without 24 hours stating the account is accurate without providing any evidence of a thorough investigation. The practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C, 1681i, which mandates a reasonable investigation of disputes. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this items, as it is incorrect and does not reflect my true credit history.

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 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds without 24 hours stating the account is accurate without providing any evidence of a thorough investigation. The practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C, 1681i, which mandates a reasonable investigation of disputes. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this items, as it is incorrect and does not reflect my true credit history.

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 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I submitted multiple dispute to verify discrepancies throughout my credit report file. Multiple items showing reopened when they were closed prior as well as requesting verification on all collections, charge offs. No response from transunion

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 2025-02-18 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: CBC Companies, Inc.
State: CT

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: PA

Complaint narrative:
I am writing to formally dispute several accounts listed on my TransUnion credit report, which I believe to be fraudulent. I did not open or authorize these accounts, and I have reason to believe that they are a result of identity theft. In support of my claim, I have already filed reports with the Federal Trade Commission ( FTC ), and I have attached copies of the FTC Identity Theft Report and other pertinent documentation. 

I respectfully request that TransUnion : Conduct a prompt and thorough investigation into the fraudulent accounts listed under my credit file. 
Remove any and all information related to these fraudulent accounts. 
Provide me with a written confirmation detailing the results of the investigation and the corrections made to my credit report. 
Enclosed you will find copies of the following documents : FTC Identity Theft Report A copy of my government-issued identification Proof of address Any additional documentation supporting my claim of fraud have all been provided Please address this matter urgently, as the continued presence of these fraudulent accounts is adversely affecting my credit standing and causing financial distress. 

Thank you for your prompt attention to this important matter. 

Sincerely,

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