vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-14 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: LA

Complaint narrative:
Consumer Name XXXX XXXX XXXX, Consumer Social Security Number XXXX, Consumer Date of Birth XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION 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 an auto loan account opened at XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have been trying to get access to my personal data from Transunion. As im trying to get access I was told on the phone with a rep that there is a suppression on my account. I dont know how or who put a suppression on my account without my consent. I was then told that they have no reason they put a suppression on my account as i thought it could be identity theft. I have been told more than 5 times that they will escalate my case to another department that will call me in 72 hours or less. I have never received a call from them once and its been 2 weeks. I first called XX/XX/year> to correct errors that are showing on my account. This is the day i was told there is a suppression on my account and that I wont be able to get it changed unless I send in a written letter. Theres no other way to get it removed or for them to tell me the reason it was added. I sent in the letter XX/XX/year> it was delivered XX/XX/year>. I called again to check if letter was received XX/XX/year> I was told they didnt receive my letter and still could not tell me why a suppression was added and I received no results of change. Also again I was told escalation department will call me in less then 72 hours and never received a call. I called again XX/XX/year> because I still didnt get a call. I told them they are causing me damages and that I dont understand how a suppression got onto my account without my knowledge or consent. I was told there was too many security questions attenpts so they couldnt get access to my security questions to fix the situation and to call back in 2 days. I expressed to them I was convinced there is identity theft going on because I dont know who couldve tried too many attempts. I was then told the lady thinks its the system which I believe I was being lied to. And no one is able to help me get this off my account until they receive my letter stating I want the suppression removed. Im not able to access to any data or change any data for my account I have monthly subscription for credit monitoring and im not able to use my credit monitoring because there is no data so this has been causing me mental damages and financial damages. Once again I have no knowledge of why this happened they say they are not able to tell me the reason.

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 2025-03-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}

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 explanation
Consumer complaint received 2025-03-14 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: IL

Complaint narrative:
I need your assistance in reviewing accounts from companies that have inaccurately reported late payments. After checking my credit report, I noticed certain accounts incorrectly marked as late. These accounts should not have any late payment remarks. Please remove these inaccuracies and update the accounts as positive, as agreed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 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: MI

Complaint narrative:
I'm sending this complaint to inform the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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 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 non-monetary relief
Consumer complaint received 2025-03-14 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 sent a letter regarding inaccurate and unknown accounts on my credit report. Please review all the documents I've sent in regards to this!

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 2025-03-14 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: WI

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-03-14 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: CA

Complaint narrative:
I am writing to formally dispute a fraudulent Inquiries on my credit report and to report a case of identity theft. Upon reviewing my credit report, I noticed an Inquiries that I did not authorize or initiate. which I believe to be the result of identity theft. 
i did I authorize any request for a credit report from them. This Inquiries was made without my permission, and I am concerned that someone may have used my personal information fraudulently to attempt to open credit in my name. And i have been a victim of identity theft 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 2025-03-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Idaho Housing And Finance Association
State: TX

Complaint narrative:
Consumer Complaint Summary Violation of Federal Mortgage & Consumer Protection Laws Subject : Dispute of Alleged Debt & Wrongful Foreclosure Violation of RESPA, TILA, FDCPA, UCC, HUD Regulations, and Federal Transparency Laws I. Background of Complaint 1. Loan Origination & Servicing Issues : Loan allegedly originated on XX/XX/XXXX, by XXXX XXXX XXXX, now purportedly serviced by Idaho Housing and Finance Association d/b/a Home Loan Serve. 
Loan is XXXX and subject to XXXX XXXX securitization rules.

Discrepancies exist in the chain of title, securitization records, and IRS reporting, raising questions regarding the true ownership and enforceability of the loan.

2. Disputed Loan Terms & Financial Irregularities : Sales Price : {$370000.00} Loan Amount : {$360000.00} Due from Borrower at Closing : {$380000.00} ( Exceeds original sales price, indicating potential overcharges ) Second Loan : {$10000.00} Total Payments Scheduled Over 30 Years : {$830000.00} Finance Charge : {$350000.00} Annual Percentage Rate ( XXXX ) : 6.777 % Total Interest Percentage : 110.117 % XXXX. Legal Violations & Unlawful Foreclosure Attempt : * Failure to validate the debt under FDCPA ( 15 U.S.C. 1692g ).

* Failure to respond to Qualified Written Request ( QWR ) under RESPA ( 12 U.S.C.

2605 ( e ) ) by the XX/XX/XXXX deadline. Sent via XXXX Mail XXXX. : XXXX XXXX XXXX XXXX XXXX / Return Receipt No. : XXXX XXXX XXXX XXXX XXXX XXXX * Failure to produce original wet-ink promissory note, proof of ownership, and full chain of title, in violation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( b ) XXXX UCC 9-317 ( a ), 3-305, and 3-303. 

* Failure to exhaust XXXX  Mortgage Insurance Premium ( MIP ) before foreclosure, violating 12 U.S.C. 1709 and 1710. 

* SXXXX XXXX XXXX Regulations Violations : If loan was securitized, Respondents were required to disclose Form XXXX, pooling and servicing agreements ( XXXX ) XXXX and IRS Form XXXX. 

* Failure to adhere to IRS nominee requirements under IRS Nominee Code XXXX & XXXX XXXX XXXX, requiring disclosure of nominee accounts and tax reporting on debt ownership. 

* Violation of Federal Reserve Reporting Requirements concerning ledger validation rules, which demand full financial disclosure and accounting for the alleged debt before enforcement or foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: IL

Complaint narrative:
I checked my credit report and found that I had inaccurate information on my report. I found it. I had accounts opened fraudulently on my account. I then reached out to the company and explain to them that the accounts needed to be closed, this information was not supposed to be reported to my credit report. I requested documentation I requested information about the account itself, and I did not receive any information in regards to how this account was opened and who opened it my request was completely ignored. I then filled out an identity theft affidavit with FTC and from there, I did contact the XXXX XXXX, the XXXX  and Experian and dispute the information in which they told me that they reached out to the credit cardcompanies and found out the information was accurate. I then asked them how was this information Accurate what information did the company provide to you? That showed that this information was accurate And I did not receive any information into regards to what information was actually validated. This information is reported to my credit report fraudulently it needs to be removed.

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 2025-03-14 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: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I checked my credit report and found that I had inaccurate information on my report. I found it. I had accounts opened fraudulently on my account. I then reached out to the company and explain to them that the accounts needed to be closed, this information was not supposed to be reported to my credit report. I requested documentation I requested information about the account itself, and I did not receive any information in regards to how this account was opened and who opened it my request was completely ignored. I then filled out an identity theft affidavit with FTC and from there, I did contact the XXXX XXXX, the XXXX  and XXXX and dispute the information in which they told me that they reached out to the credit cardcompanies and found out the information was accurate. I then asked them how was this information Accurate what information did the company provide to you? That showed that this information was accurate And I did not receive any information into regards to what information was actually validated. This information is reported to my credit report fraudulently it needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: VA

Complaint narrative:
I am disputing the inaccuracies on my credit report as they are having a direct negative impact on my financial standing and creditworthiness. Despite several attempts to resolve these issues, the same errors keep resurfacing on my report. These recurring mistakes are not only hurting my credit score but also hindering my ability to obtain financial opportunities. It is crucial that these inaccuracies be thoroughly investigated and corrected without delay. 


If these issues are not resolved in a timely manner, I will be pursuing legal action for any potential damages caused, including compensation for violations under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: DISCOVER BANK
State: IL

Complaint narrative:
I checked my credit report and found that I had inaccurate information on my report. I found it. I had accounts opened fraudulently on my account. I then reached out to the company and explain to them that the accounts needed to be closed, this information was not supposed to be reported to my credit report. I requested documentation I requested information about the account itself, and I did not receive any information in regards to how this account was opened and who opened it my request was completely ignored. I then filled out an identity theft affidavit with FTC and from there, I did contact the XXXX XXXX, the songXXXX and XXXX and dispute the information in which they told me that they reached out to the credit cardcompanies and found out the information was accurate. I then asked them how was this information XXXX what information did the company provide to you? That showed that this information was accurate And I did not receive any information into regards to what information was actually validated. This information is reported to my credit report fraudulently it needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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:
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 : Account name : XXXX XXXX  Account Number : XXXX Inquiries : XXXX XXXX XXXX XX/XX/year> : XXXX XXXX XXXX XX/XX/year> : XXXX XXXX XXXX XX/XX/year> : 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 theftandfraud.

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 2025-03-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-03-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
First Issue. I paid an additional payment of about XXXX  % of the purchased value of the house into my FHA principal. I asked the loan servicer to reduce my monthly payments accordingly and got denied due to FHA loans do not allow Recast. This is a rule that should be changed. Why not allow FHA loaners to pay off some of the principle and lower the payments? 
Second FHA issue. The forced PMI for XXXX years. This is ridicules, I paid 70 % of the value of the house, initially downpayment was 20 % yet PMI is mandatory and for XXXX  years minimum. This should be changed. 
It seems to me that FHA loans are to help the banks make profit more than help people buy a house.

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 2025-03-14 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the FCRA to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccuracies or unverifiable accounts unresolved. The CFPB has recently filed a lawsuit alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend disputed accounts, as experians inactions violate federal law and my rights as a consumer.

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