vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
Essentially, I was overcharged, almost 2.5 times, by my mortgage company for my XX/XX/year>2025 payment. 

The amount the mortgage company took into consideration for their anticipated amount they'd need to guarantee in my escrow account for the payment of my annual insurance premium and my annual property taxes was an incorrect figure ; they errantly based that number on the total amount I pay yearly for my bundled auto and home insurance policies, and as a result, my normal monthly mortgage payment of {$1000.00} per month rose by {$1600.00}, and I was on the hook to pay over {$2600.00} for my XXXX mortgage payment. 

When I called my mortgage company to report this, I was told that it was an error, but that I was still responsible for the higher payment for XXXX. I was also told by a customer service representative that I'd be getting a new escrow analysis report, as well as a refund for the overage I paid for my XXXX 2025 payment. 

Once I called back to follow through and get an update on the refund check, I was told the situation would have to be escalated to a XXXX  XXXX with the company and that I'd be called back within three business days with a resolution. Five business days after my last call, I was just told that there was nothing that could be done, because the overage I paid was needed because my escrow has a shortage, despite not offering anything written or any proof to support this claim. This was NOT the resolution the previous XXXX XXXX XXXX  offered at all, but now the story has changed. Let me also add that I have indeed received a new escrow analysis report that details what the shortage truly is, and it is a lot smaller than what the XXXX from the company just tried to convince me of on the phone. 

I am a victim of an administrative error, by no fault of my own, and now I'm stuck with having to fork over an amount that's a lot higher than what my normal, monthly mortgage responsibility calls for, and being at a deficit in my monthly budgeting. 

Please help me get a resolution and to not allow this mortgage company to willingly keep this extra money they incorrectly overcharged me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: NY

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$9700.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$740.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$1200.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$740.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$550.00} XXXX - XXXX - XX/XX/XXXX - {$480.00}

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 2025-03-04 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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: NY

Complaint narrative:
Im dealing with incorrect information on my report that is unfairly affecting my scores and blocking my opportunities. Its frustrating to be penalized for errors beyond my control.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX is not the correct address XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and all variations of this name is not correct XXXX, XXXX XXXXXXXX, Is not my place of employment please remove these variations of bureaus reporting inaccurate names, addresses and places of employment

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 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

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 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: FL

Complaint narrative:
I do not have a contract nor did I authorize this company to obtain my information ; my rights to privacy were violated under the FDCPA & FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: NC

Complaint narrative:
Dear Transunion, Despite previous disputes and your failure to correct the inaccurate information on my credit report, this is a formal notice of intent to sue for continued violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Your companys repeated negligence has caused me significant financial and personal harm. If these inaccuracies are not resolved immediately, I will have no choice but to pursue legal action under the following statutes : FCRA 15 U.S. Code 1681n Civil Liability for Willful Noncompliance FCRA 15 U.S. Code 1681o Civil Liability for Negligent Noncompliance FDCPA 15 U.S. Code 1692k Civil Liability for Debt Collection Practices Violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd.
State: MO

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX is trying to charge me {$99.00} for Toll charges that OK toll roads NEVER sent me anything at XXXX XXXX XXXX XXXX. Nor did my parents receive anything. And Ive only been 4 times since they decided to go cashlessonce there, once back in XXXX and once there once back in XXXX. And not one time did I receive the almost {$20.00} it should be for the 4 times I went through. So I am confused on how its {$99.00} now with no notifications or anything until I received a text recently. I tried calling and I was in a line of 45 people on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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 XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2025-03-04 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: HI

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 2025-03-04 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: HI

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 explanation
Consumer complaint received 2025-03-04 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: MS

Complaint narrative:
I am writing to formally dispute inaccurate information that is being reported on my credit report. 
Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXXXX/XX/XXXX Account Number : XXXX Balance : {$0.00} Reason : I am disputing the reported late or missed payments on this account, as I believe they may be inaccurate. I request a full validation of this information, including detailed statements and records of all payments made and missed since the account was opened. If the creditor can not provide accurate and verifiable proof of these late payments, I ask that they be removed from my credit report immediately. 

Account Name :XX/XX/XXXX Account Number : XXXX Reason : I am disputing an account from XX/XX/XXXX ( Account # XXXX ) on my credit report. I have no knowledge of this account, have never done business with this company, and the listed address is not mine. I request its removal unless fully verified with proper documentation. 

INQUIRIES TRANSUNION : XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XX/XX/XXXX The items in question appear to be inaccurately reported or have already been resolved, and I respectfully request a thorough investigation and correction. I have previously contacted both the credit reporting agency and the data furnisher, but the issue has not been resolved. To support my claim, I have attached documentation and screenshots of my credit report showing the discrepancies. Please investigate this matter promptly and update my credit report to reflect the accurate 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
Consumer complaint received 2025-03-04 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: MS

Complaint narrative:
I am writing to formally dispute inaccurate information that is being reported on my credit report. 
Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXXXX/XX/XXXX Account Number : XXXX Balance : {$0.00} Reason : I am disputing the reported late or missed payments on this account, as I believe they may be inaccurate. I request a full validation of this information, including detailed statements and records of all payments made and missed since the account was opened. If the creditor can not provide accurate and verifiable proof of these late payments, I ask that they be removed from my credit report immediately. 

Account Name :XX/XX/XXXX Account Number : XXXX Reason : I am disputing an account from XX/XX/XXXX ( Account # XXXX ) on my credit report. I have no knowledge of this account, have never done business with this company, and the listed address is not mine. I request its removal unless fully verified with proper documentation. 

INQUIRIES TRANSUNION : XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XX/XX/XXXX The items in question appear to be inaccurately reported or have already been resolved, and I respectfully request a thorough investigation and correction. I have previously contacted both the credit reporting agency and the data furnisher, but the issue has not been resolved. To support my claim, I have attached documentation and screenshots of my credit report showing the discrepancies. Please investigate this matter promptly and update my credit report to reflect the accurate 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 non-monetary relief
Consumer complaint received 2025-03-04 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: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
I disputed the Midland Credit ( Account # XXXX ) collection account, yet it remains on my credit report without proper validation. Under 15 U.S.C. 1692g ( FDCPA ), the collector is required to provide : A detailed breakdown of the balance ( {$3600.00} per XXXX, {$3600.00} per XXXX ). A copy of the original signed agreement proving I authorized this account. A full payment history showing all transactions. Proof they have legal authority to collect this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Despite previous disputes and your failure to correct the inaccurate information on my credit report, this is a formal notice of intent to sue for continued violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Your companys repeated negligence has caused me significant financial and personal harm. If these inaccuracies are not resolved immediately, I will have no choice but to pursue legal action under the following statutes : FCRA 15 U.S. Code 1681n Civil Liability for Willful Noncompliance FCRA 15 U.S. Code 1681o Civil Liability for Negligent Noncompliance FDCPA 15 U.S. Code 1692k Civil Liability for Debt Collection Practices Violations

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 2025-03-04 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:
Its incredibly frustrating to know that my credit score has been affected by accounts I never opened. For too long, these errors have been weighing me down, making it harder for me to access opportunities I should have had. Its unfair that my financial reputation is being damaged by something that isnt my fault.

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 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Despite previous disputes and your failure to correct the inaccurate information on my credit report, this is a formal notice of intent to sue for continued violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Your companys repeated negligence has caused me significant financial and personal harm. If these inaccuracies are not resolved immediately, I will have no choice but to pursue legal action under the following statutes : FCRA 15 U.S. Code 1681n Civil Liability for Willful Noncompliance FCRA 15 U.S. Code 1681o Civil Liability for Negligent Noncompliance FDCPA 15 U.S. Code 1692k Civil Liability for Debt Collection Practices Violations

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 2025-03-04 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: NC

Complaint narrative:
Despite previous disputes and your failure to correct the inaccurate information on my credit report, this is a formal notice of intent to sue for continued violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Your companys repeated negligence has caused me significant financial and personal harm. If these inaccuracies are not resolved immediately, I will have no choice but to pursue legal action under the following statutes : FCRA 15 U.S. Code 1681n Civil Liability for Willful Noncompliance FCRA 15 U.S. Code 1681o Civil Liability for Negligent Noncompliance FDCPA 15 U.S. Code 1692k Civil Liability for Debt Collection Practices Violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I'm receiving an average of XXXX calls a day from TD auto using multiple phone lines. Get the calls from XXXX till XXXX mon-sun

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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: FL

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 explanation