vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-13 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: LA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). To Whom It XXXX Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, XXXX XXXX. XXXX ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to XXXX XXXX XXXX XXXX ( XXXX ). According to, XXXX XXXX XXXX XXXX The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, XXXX XXXX XXXX XXXX - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency XXXX furnish a consumer report und the following circumstances and no other : In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 2024-12-13 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: DE

Complaint narrative:
This morning, I discovered incorrect accounts on my credit report, and Im completely at a loss as to how this could have happened. I check my report regularly, and everything was fine before, but today, discrepancies appeared out of nowhere. I even refreshed my browser, hoping it was just a glitch, but nothing changed. The errors were still there. Im pleading for a thorough review of the documents Ive provided because I cant bear to worry about this anymore.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 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: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and XXXX asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-12-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
When I received my Annual Escrow Account Disclosure Statement dated XX/XX/XXXX, I noticed an error on it. The statement said that the lender would be paying my homeowner 's insurance via escrow in XX/XX/XXXX, and as such, they were increasing my monthly escrow payment from $ XXXX to $ XXXX. This was a mistake, because I have always paid my homeowner 's insurance myself and only escrow for property taxes, so I called the lender and spoke with someone in their XXXX XXXX. The person I spoke with was very rude and spoke to me like I was stupid and incapable of reading a financial statement. I kept pointing out to her that I do not escrow my homeowner 's insurance, and she kept insisting that the escrow increase was due to my property taxes, even though the disclosure statement clearly stated that escrow was increasing as a result of the insurance payment. Finally, she referred me to the lender 's XXXX XXXX. When I called their number, I spoke with someone who was surprised that I had even managed to speak with someone in Escrow, as apparently, XXXX is not supposed to be able to speak with them directly. The person in XXXX was helpful and stated that the change in escrow amounts was an error and that it would be corrected. I then received an amended XXXX XXXX Account XXXX XXXX dated XX/XX/XXXX, which on casual glance, looked like they had corrected the mistake and there would be no change in my monthly payments. But when I called the automated telephone payment system to make my XX/XX/XXXX payment, I was alarmed to discover that my XXXX bill reflected an escrow increase from $ XXXX to XXXX XXXX, as if the resolution I had reached with the lender 's Insurance Dept had never XXXX XXXX. I selected the option to speak with a customer assistant, who also was quite rude to me. She stated that my monthly payment would return to normal in XX/XX/XXXX, but my XX/XX/XXXX payment would still be the amount stated in the XX/XX/XXXX XXXX XXXX XXXX. When I pressed her as to why, she could not provide a valid answer other than it is that way because the lender said it was that way, so I was forced to pay {$240.00} more than I owed. When I asked how I could get that refunded, she replied that, if I am owed a refund, I will be notified when I receive my next Annual Escrow Disclosure Statement in XX/XX/XXXX - in 10 months! So, basically, my lender charged me extra for my XXXX mortgage payment simply because they said they could, and they are going to unjustly hold onto my money for nearly a year before they will consider refunding it to me. I consider this unethical, because the increased monthly payment only came into existence because of an error on the lender 's part, which their XXXX XXXX acknowledged and said would be corrected.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 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: NY

Complaint narrative:
INACCURACIES LISTED BELOW XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ) I Hereby requesting that you immediately block this information from my credit report, as it is the result of identity theft, pursuant to section 605b of the fair credit reporting act and XXXX XXXX compliance please send the required notifications to all furnisher of information regarding the blocking of this dat

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 2024-12-13 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: DE

Complaint narrative:
I noticed unauthorized inquiries on my credit report earlier today, and Im unsure how they got there. My routine check showed discrepancies that appeared out of nowhere. I tried refreshing my browser to see if it was a technical error, but the inquiries were still there. Please review the documents Ive sent without delay so this issue can be resolved and I can rest easy.

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 2024-12-13 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:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: CA

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-12-13 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: CA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-12-13 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: DE

Complaint narrative:
This morning, I was horrified to see accounts on my credit report that dont belong to me. Im completely baffled because my report has always been accurate until now. I even tried refreshing my browser repeatedly, hoping it was some kind of mistake, but the errors didnt go away. Im at my wits end and need someone to carefully examine the documents Ive submitted so that I never have to face this kind of issue again.

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 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FORD MOTOR CREDIT CO.
State: MI

Complaint narrative:
Dear CFPB, I am submitting this formal complaint regarding Ford Motor Credit Companys continued failure to verify an alleged debt of {$11000.00} reported on my credit report. Despite multiple notices and disputes, Ford Motor Credit Company has not provided sufficient documentation to substantiate this debt as mine. Additionally, I have been receiving communications from third-party debt collectors regarding this alleged account, further compounding my distress and raising concerns about compliance with federal laws, including the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Key Issues and Violations Failure to Verify the Alleged Debt Under 15 U.S.C. 1692g ( b ) of the FDCPA, debt collectors and original creditors are required to verify debts when disputed. Ford Motor Credit Company has failed to produce the necessary documentation to validate the debt, such as the original contract or proof of my responsibility for this alleged account. 
Inaccurate and Harmful Credit Reporting The alleged debt remains on my credit report despite being disputed, marked as charged off with a reported balance of {$11000.00}. This inaccurate reporting violates the FCRA ( 15 U.S.C. 1681s-2 ), which requires furnishers to ensure the accuracy and integrity of information reported to consumer reporting agencies.

The continued reporting of this alleged debt without verification has negatively impacted my creditworthiness, limiting my ability to secure financial opportunities.

Involvement of Third-Party Debt Collectors Notices from third-party debt collectors regarding this alleged debt have created further confusion. If Ford Motor Credit Company has transferred or sold the debt, their continued reporting and involvement raise concerns about double collection efforts, which violate 15 U.S.C. 1692j by misrepresenting ownership of the debt.

Lack of Documentation and Transparency Ford Motor Credit Company has failed to provide essential details regarding the alleged debt, such as the accounts terms, history, and proof of responsibility. Without such evidence, I can not reasonably determine whether this debt is legitimate. 
Legal and Logical Inconsistencies To illustrate the flaws in Ford Motor Credit Companys actions : If an individual lends {$50.00} to someone, and that person gives the money to a third party, does the lender retain the right to pursue repayment from the third party? Of course not. Similarly, if Ford Motor Credit Company transferred or sold this alleged debt, their ongoing reporting and collection activities lack legal and logical standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-12-14 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: Maximus Federal Services, Inc.
State: IA

Complaint narrative:
In XXXX, These loans were. 
Originally taken out under false pretences. At the time I had not received a XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

To attend college, it is one of the apartments that you prove you have received A XXXX XXXX XXXX XXXX XXXX 

I submitted XXXX XXXX XXXX # XXXX, And when I spoke with someone they said that they had XXXX years to review my case. This loan has been on my credit account for over XXXX years and can Take another XXXX to decide to remove. 

When this loan was originally applied for, Whoever was doing the intake information Failed to do some verification. I never received a XXXX XXXX XXXX XXXX XXXX XXXX XXXX.I am currently in the process of getting my XXXX XXXX only XXXX of the XXXX tests have been passed. 

Therefore the loans received for college that I never had permission to be enrolled in, Are negatively effectiving My ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter and as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer 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 non-monetary relief
Consumer complaint received 2024-12-13 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: NY

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-12-13 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: NY

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

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 2024-12-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: M&T BANK CORPORATION
State: NJ

Complaint narrative:
This debt keeps being verified by the company. No notices in the mail. Last cfpb complaint got them to sent a " we are looking into letter '' with nothing else. Company also claims to have made phone calls, and sent letters. I have no proor of this. The BURDEN is on THEM to proof they have indeed. Signing up for the CC itself is not verification of. Several months and attempts have gone by with XXXX communication or verification. This debt does NOT belong to me. 

At this rate. Constantly verifying a debt without providing proof, I will be bringing a civil suit and lawyer at this point against the CC company. Thos is unacceptable

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