vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-25 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: NV

Complaint narrative:
Transunion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Transunion, 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 Transunion has neither corrected nor removed disputed items despite the evidence l provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Transunion inaction violates 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 non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: NEW YORK COMMUNITY BANCORP INC
State: PA

Complaint narrative:
Notice of Fraud and Violations of U.S. Codes, Including but Not Limited to 15 U.S.C. 78jjj ( c ), 18 U.S. Code 1028, 18 U.S. Code 241, 18 U.S. Code 242, 18 U. S. C. 891-894, 18 USC 1001 , and 12 CFR 1026.1

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 2025-01-25 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: NC

Complaint narrative:
XX/XX/year> Re : Dispute of Unauthorized Information Reporting Request for Investigation Dear Sir/Madam, I am writing to formally dispute the information reported on my credit file that appears to have been furnished without my written consent, in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b.

I recently reviewed my credit report and found that certain information was either obtained or reported by your agency without my prior written authorization. As per the FCRA, credit reporting agencies and data furnished must have my explicit consent to obtain, disclose, or report my personal credit information. I have not provided such written consent to any third party, nor have I authorized any request for my credit file. 
All closed accounts and collection accounts According to 15 U.S.C. 1681b, the only instances where a credit report may be accessed without consent are limited to specific exceptions, none of which apply to the situations reflected on my report. The unauthorized reporting or furnishing of information in this case is in violation of my rights under the law. 

Please investigate this matter immediately and remove any such unauthorized information from my credit report. I request that you provide me with the results of your investigation and a corrected copy of my credit report after the necessary updates have been made.

Enclosed are the relevant documents and identification to assist in your investigation.

Thank you for your prompt attention to this matter. I look forward to receiving your written response and the corrected information as required by law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: IL

Complaint narrative:
I request that these inaccuracies be corrected and that my credit report be updated to reflect these accounts as " Paid as agreed. '' Please conduct a thorough investigation and update my credit report accordingly.

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 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I request that these inaccuracies be corrected and that my credit report be updated to reflect these accounts as " Paid as agreed. '' Please conduct a thorough investigation and update my credit report accordingly.

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 2025-01-25 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:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( 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, XXXX, XXXX 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 a Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 # ( XXXX ) as proof from the XXXX 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 non-monetary relief
Consumer complaint received 2025-01-25 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: GA

Complaint narrative:
I am a victim of the XXXX XXXX XXXX and would like all accounts mentioned to be blocked and deleted pursuant XXXX XXXX XXXX ( a ). 

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 non-monetary relief
Consumer complaint received 2025-01-25 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: GA

Complaint narrative:
I am a victim of the XXXXXXXX XXXX XXXX  and would like all accounts mentioned to be blocked and deleted pursuant XXXX XXXX XXXX ( a ). 

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 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My Experian account was hacked due to my phone number and email addressed being linked to a hack to my XXXX XXXX account. I have contacted Experian XXXX  now to inform them of the breach and was prompted to submit highly private information via online portal. But in the course of the XXXX days my Experian account is still able to be accessed by the hackers despite putting a freeze on the account.

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 2025-01-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: CADENCE BANK
State: MS

Complaint narrative:
Hey there Im XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX im reaching out for justice I was home invaded by these illegal realtors and XXXX  XXXX XXXX XXXX XXXX on XXXX XXXX and Candence Bank loan officer XXXX XXXX XXXX was took my application and used my information fraudulent to obtain Goods in my name I was illegally Force out of my at XXXX XXXX XXXX XXXX XXXX XXXX XXXX these illegal people was stalking my identity and caused attempt hit on my by cutting my utilities off XXXX years and no allowing no one to come to my rescued cut off my communication limit my funds cut my food to {$12.00} amount I received {$940.00} XXXX only they then attempted to put snakes into my house on me without utility they did put a snake in my car they placed a ground copper on my meter etc was forced out of my house in XXXX I was taking to XXXX then released to The XXXX XXXX in XXXX I was released early without getting assistance because I have some one demanded out to come hostage designated because i escaped the attempted on my life I move to my daughter apartment where they were holding her now me too I done an loan application for a house at XXXX XXXX XXXX XXXX XXXX XXXX these people at Candence Bank stole my identity etc and tided my home in with this loan XXXX XXXX XXXX XXXX XXXX XXXX to hold it I never received my keys for the purchase home at XXXX XXXX  I was attending the home buyer class and received the certificate for down payment and closed cost I received the appraisal information and I was told to pay For it and a home inspection i later received a loan letter stating I had no score I called to see why I got all necessary things for this home I called the credit bureau found a home discrimination fraud i demanded both of my houses my home in XXXX XXXX not attached I didnt borrow equity this address wasnt brought up this how I never people at Candence Bank XXXX XXXX XXXX XXXX XXXX caused a attempted on my life and still holding because Im owner Im XXXX XXXX XXXX XXXX soleowner of XXXX XXXX XXXX XXXX XXXX date of birth XX/XX/year> my temporary residence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I requested for my houses I pressed charges and call XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  now etc my XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: GA

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint against Equifax regarding unresolved inaccuracies on my credit report. Despite multiple disputes, the items listed below have been repeatedly verified without proper evidence, in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i. Disputed Items : XXXX. XXXX  XXXX ( # XXXX ) * Credit Limit Discrepancy : High credit reported inconsistently across bureaus ( {$1600.00} vs. {$1500.00} ). * Payment History Errors : Delinquencies reported incorrectly across periods with no corroborating evidence. XXXX. XXXX ( # XXXX ) * Credit Limit Discrepancy : Reported limit of {$2000.00} on XXXX vs. {$0.00} on XXXX. * Payment Status Errors : Reporting of late payments inconsistent across bureaus. XXXX. XXXX  ( # XXXX ) * Inconsistent Status : Marked as " Paid '' on XXXX but " XXXX '' on XXXX. * Date Discrepancy : Last activity date varies significantly. XXXX. XXXX XXXX  ( # XXXX ) * Payment Status Errors : Listed as " Paid '' but simultaneously " Collection/Chargeoff. '' XXXX. XXXX ( # XXXX ) * Chargeoff Misreporting : Account listed as " Collection/Chargeoff '' with unresolved dispute comments. Violations of the FCRA : XXXX. XXXX XXXX. XXXX ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy of information reported. XXXX. 15 U.S.C. 1681i ( a ) : Failure to conduct a proper reinvestigation upon dispute notification. XXXX. 15 U.S.C. 1681i ( a ) ( 5 ) : Obligation  to delete or modify unverifiable information. XXXX. 15 U.S.C. 1681s-2 ( a ) : Prohibition against furnishers providing inaccurate information. XXXX. 15 U.S.C. 1681n : Willful noncompliance resulting in liability for damages, including punitive damages. XXXX. 15 U.S.C. 1681o : Negligent noncompliance with provisions of the FCRA. I have requested detailed explanations and evidence of the verification process from the credit bureau, but have not received satisfactory responses. This continued verification without proper evidence is damaging my credit profile and hindering my financial well-being. I request the CFPB 's assistance in ensuring that a thorough investigation is conducted and that the credit bureau provides the necessary documentation to verify the accuracy of the disputed items. If the information can not be verified, I request that these items be removed from my credit report according to FCRA, 15 U.S. Code 1681i. Thank you for your assistance in resolving this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I am writing to formally express my concerns regarding XXXX XXXX  handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The XXXX XXXX findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: GA

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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: GA

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I am protesting a ruling made by American Express concerning my XXXX XXXX account. On XX/XX/XXXX at XXXX PM I received an email from American Express entitled Notice of Change to your XXXX XXXX XXXX and We're reaching out because we wanted to let you know as quickly as possible that after a recent review, we have assigned a XXXX XXXX XXXX of {$39000.00} to your account. This reduced my limit from the previous XXXX of {$50000.00}. When I logged in the next morning, there was a notice that my limit was reduced to {$39000.00}. My most recent statement ( XX/XX/XXXX ) indicated that my pay-over-time limit was {$50000.00} and Your Card has no preset spending limit. So, between XX/XX/XXXX and XX/XX/XXXX, my account limit was reduced without ANY notice, other than an email late on XX/XX/XXXX and the note on the web site on XX/XX/XXXX. When I called customer service, I was told that AMEX has the authority to change the terms due to a variety of factors such as the Card Member 's XXXX XXXX, past due payments with us or other creditors, or high balances on revolving credit accounts. When I asked what the basis for the reduction was, they could not provide any specifics. I have not paid late in many years and my credit rating has not changed, maintained over XXXX. Those reasons ( or any ) were not cited, only some mysterious review that prompted the change. They said I could appeal the review if I provided some documents, specifically my checking and savings statements from my bank, which they would review, looking at deposits and withdrawal transactions, after which they would decide in XXXX business days whether their decision would be changed. I find the request for my checking/savings transactions overly intrusive and an invasion of my privacy and will not agree to that. The only other recourse I have to this point is to bring my balance down below {$39000.00}, which would require a payment of {$11000.00} plus my monthly balance requirement ( about {$2800.00} ) which I was prepared to pay only the latter. This is a ridiculously burdensome requirement! I made my objections to the Supervisor and asked only that I be given time to resolve the situation, such as XXXX  days, after which I can better address this, although I still have not been given any explanation other than this vague review process. This request was denied. I have prepared a letter to be sent to the XXXX  of Amex disputing their decision.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 2025-01-25 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: TX

Complaint narrative:
A while ago I noticed that there were so many things on my credit that I can not even begin to guess where these fraudulent accounts came from. So, I requested validation ( in the form of the original contracts ) from the bureau for each fraudulent account so that I could actually get to the bottom of who was using my identity and to also get this information removed. I sent in a letter and a FTC report just like the bureau requested XXXX  months ago and I still havent received any original contracts, or the method of verification, who they spoke with at these companies and the information is still on my 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