vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-17 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: TX

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Transunion, I am writing to formally dispute inaccurate information on my credit report as per my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. I recently obtained a copy of my credit report from your bureau, and I have identified the following errors that need to be investigated and corrected immediately. 

Disputed Items : Account Name & Number : XXXX XXXX XXXX. 
Amount : {$1400.00} Reason for Dispute : This account does not belong to me Requested Action : Please verify debt and submit supporting documents, or remove account from credit report Account Name & Number : XXXX XXXX XXXX. 
Amount : {$200.00} Reason for Dispute : This account does not belong to me Requested Action : Please verify debt and submit supporting documents, or remove account from credit report Account Name & Number : XXXX XXXX XXXX XXXX XXXX : {$270.00} Reason for Dispute : This account does not belong to me Requested Action : Please verify debt and submit supporting documents, or remove account from credit report. 

Account Name & Number : XXXX Amount : {$310.00} Reason for Dispute : This account does not belong to me Requested Action : Please verify debt and submit supporting documents, or remove account from credit report.

Under 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable reinvestigation of this matter within 30 days. If the disputed information can not be verified, it must be deleted from my report as required by law. Additionally, I request that you provide me with a copy of the revised credit report reflecting the necessary corrections. 

Please review this evidence and take appropriate action. 

If you fail to comply with your obligations under the Fair Credit Reporting Act, I am prepared to escalate this matter, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal action. 
I appreciate your prompt attention to this matter and expect a written response confirming the results of your investigation within the legally required timeframe. Please send all correspondence to my address listed above. 
Sincerely, 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 2025-03-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Servicer under contract with Federal Student Aid
State: MD

Complaint narrative:
Subject : Formal Complaint Regarding Privacy Violation Dear FERPA Office, XX/XX/year> I hope this letter finds you well. I am writing to formally request assistance regarding a serious privacy violation that has directly impacted my student loan situation. My name is XXXX XXXX, and I have reason to believe that my sensitive student loan information has been accessed and misused by unauthorized parties, including individuals or entities associated with XXXX XXXX and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I have discovered that my private financial records and student loan information were illegally obtained. As a result, I have faced significant complications with my student loan repayment, including being locked out of my student portal, which has prevented me from managing my payment methods and accessing my payment history and balance. I am deeply concerned that my personal data has been exploited in ways that have compromised my financial standing. 
Given the serious nature of this issue, I am requesting a full investigation into how my sensitive student loan information was accessed and whether unauthorized parties outside of approved student loan servicers were involved. Specifically, I believe that XXXX XXXX and his staff, through their association with XXXX, have unlawfully accessed my data as part of a larger network of digital misappropriation. 
As a direct consequence of this breach, I am formally requesting that my student loan be forgiven to mitigate the damages caused by this unauthorized access and misuse of my information. While I understand that FERPA primarily protects the privacy of educational records, I believe this case falls within your mandate to ensure that personal and financial information remains secure from unauthorized access. 
Please advise me on the appropriate next steps to address this matter. I am prepared to provide any necessary documentation or additional details to assist in your investigation. 
Thank you for your time and attention to this urgent issue. I look forward to your prompt response. 
Sincerely, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-03-17 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: TX

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 non-monetary relief
Consumer complaint received 2025-03-17 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 2025-03-17 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: CA

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 2025-03-17 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: NY

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details

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 2025-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
This is fraud I never opened a td bank card they mailed me a letter stating there trying to sue me I already contacted them also to notify them but this never got resolved or removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: PulteGroup, Inc.
State: TX

Complaint narrative:
I am writing to share my recent experience purchasing a new home at Pulte, XXXX XXXX, and to highlight a few challenges I encountered during the process. 

When I signed the contract, I was informed that I would receive a $ XXXX incentive, which could be used either for a buy-down of the interest rate or towards closing costs. However, no further details were provided about the restrictions or conditions related to this incentive. As I progressed through the loan process, I was told that I could not use the full $ XXXX for a conventional loan, and the loan officer recommended switching to an FHA loan. After understanding this limitation, I agreed to move forward with the FHA loan. 

I provided all the necessary documents and worked closely with the team to ensure everything was in order. However, just XXXX days prior to closing, I was informed that I no longer qualified for an FHA loan and would need to consider switching back to a conventional loan. This last-minute change left me with less than XXXX hours to complete the loan process. 

By this point, I had already vacated my apartment, planned a housewarming event, and made travel arrangements for friends to attend. I also took XXXX days off from work to accommodate the closing and housewarming plans. Unfortunately, the sudden change in the loan process caused a complete disruption to my plans. 

The most frustrating part of this experience was having to move and cancel my housewarming, which I had spent a lot of time, effort, and money planning. The event had been scheduled in advance, and I had made arrangements for friends to travel from out of town. I had also spent money on catering and decorations, all of which went to waste because of the last-minute changes. Not only was I emotionally stressed from the changes, but I also had to bear the financial burden of canceling and rearranging everything. 

To make matters worse, I was not able to fully utilize the $ XXXX incentive, which was one of the main reasons I chose to work with Pulte in the first place. The constant back-and-forth with the mortgage team and the confusion surrounding the loan options created unnecessary delays, ultimately impacting my finances and my overall experience. 

While I did not have any issues directly with the builder, the entire process was a logistical and emotional nightmare. The lack of communication, the sudden changes, and the missed opportunity to use the builder incentive have left me deeply frustrated and disappointed. 
Name : XXXX XXXX XXXX Phone : XXXX email : XXXX Builder : Pulte Homes Mortgage : Pulte Mortgage Planned date of closing : XX/XX/year> XXXX XXXX  Received update that I need to switch loan types : XX/XX/year> XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
Someone from this company called and told me to start a payment plan and I agreed but a week later they put me in dept collection without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have discovered unauthorized accounts on my consumer report, prompting me to file a complaint with the Federal Trade Commission ( FTC ). My grievance is directed towards Experian, Transunion, and Equifax for infringing upon my consumer rights by including this public record in my credit report. I strongly believe this situation exploits me, and I seek resolution.

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 2025-03-17 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: IL

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 non-monetary relief
Consumer complaint received 2025-03-17 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: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting an account on my credit report as " charged off, '' indicating that they have written off the debt as a loss. According to IRS regulations, when a creditor cancels or writes off a debt of {$600.00} or more, they are required to report the cancellation to the IRS and issue a **1099-C Cancellation of Debt** form for the balance they wrote off. However, I have not received a **1099-C** form from XXXX XXXX XXXX XXXX for this debt .

As a result, the reporting of this account as charged off is inaccurate, and it is my belief that this account should be removed from my credit report. Under the **Fair Credit Reporting Act ( FCRA ) **, specifically **Section 1681i**, consumers have the right to dispute inaccurate information on their credit reports, and creditors are required to investigate and correct any errors. If the information is found to be inaccurate or unverifiable, it must be corrected or removed from the credit report.

Additionally, under the **Fair Debt Collection Practices Act ( FDCPA ) **, any information that is deemed inaccurate must be promptly updated or removed by the creditor or credit bureau XXXX in accordance with the law. If this account is being reported inaccurately, I request that it be removed from my credit report as required by law.

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 2025-03-17 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: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting an account on my credit report as " charged off, '' indicating that they have written off the debt as a loss. According to IRS regulations, when a creditor cancels or writes off a debt of {$600.00} or more, they are required to report the cancellation to the IRS and issue a **1099-C Cancellation of Debt** form for the balance they wrote off. However, I have not received a **1099-C** form from XXXX XXXX XXXX XXXX for this debt . 

As a result, the reporting of this account as charged off is inaccurate, and it is my belief that this account should be removed from my credit report. Under the **Fair Credit Reporting Act ( FCRA ) **, specifically **Section 1681i**, consumers have the right to dispute inaccurate information on their credit reports, and creditors are required to investigate and correct any errors. If the information is found to be inaccurate or unverifiable, it must be corrected or removed from the credit report.

Additionally, under the **Fair Debt Collection Practices Act ( FDCPA ) **, any information that is deemed inaccurate must be promptly updated or removed by the creditor or credit bureau XXXX in accordance with the law. If this account is being reported inaccurately, I request that it be removed from my credit report as required by law.

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 2025-03-17 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: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting an account on my credit report as " charged off, '' indicating that they have written off the debt as a loss. According to IRS regulations, when a creditor cancels or writes off a debt of {$600.00} or more, they are required to report the cancellation to the IRS and issue a **1099-C Cancellation of Debt** form for the balance they wrote off. However, I have not received a **1099-C** form from XXXX XXXX XXXX XXXX for this debt . 

As a result, the reporting of this account as charged off is inaccurate, and it is my belief that this account should be removed from my credit report. Under the **Fair Credit Reporting Act ( FCRA ) **, specifically **Section 1681i**, consumers have the right to dispute inaccurate information on their credit reports, and creditors are required to investigate and correct any errors. If the information is found to be inaccurate or unverifiable, it must be corrected or removed from the credit report.

Additionally, under the **Fair Debt Collection Practices Act ( FDCPA ) **, any information that is deemed inaccurate must be promptly updated or removed by the creditor or credit bureau XXXX in accordance with the law. If this account is being reported inaccurately, I request that it be removed from my credit report as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-03-17 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: AR

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-03-17 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: MO

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 2025-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Monarch Recovery Holdings, Inc.
State: NY

Complaint narrative:
I get repeated harassing calls while Im at work. I dont know who they are and what debt they supposedly have

Company response to consumer: Closed with explanation