vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-19 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: OH

Complaint narrative:
I received a copy of my credit report and found the following items ) to be in error : XXXX XXXX  XXXX Under the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted an item in violation of 15 USC 1681e ( b ) ; this item is incorrect and in error. You failed to maintain reasonable procedures to assure maximum possible accuracy in the credit reports you furnish. Credit reporting laws ensure consumer reporting agencies report only 100 % accurate credit information and every step must be to assure the information is completely accurate and correct. The information must be deleted from my report as soon as possible. The information is inaccurate and misleading and as such ; this represents a very serious error in your reporting. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. Following, 15 USC 1681 ( 2 ) ( a ) ( i ) clearly states a consumer report does not include Report containing information solely as to transaction or experiences between consumer and the person making the report. Why is this item appearing in my personal consumer report? Remove this item 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 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
Before XX/XX/XXXX payment, I switched bank info and called into verify everything was good on their end. Confirmed. 

XX/XX/XXXX payment was reversed. Called into verify everything again to verify bank info. Everything was verified correct. Freedom agent told me that since I was refinancing I wasnt liable for payments until after closing. 

Told I owe XXXX and was told the payments were being taken out of XXXX XXXX account that was removed in XXXX. During all of this Ive been in contact with freedom about refinancing and was never once mentioned by anyone. 

Was informed by a future lender of the three 30 day delinquent payments on my credit report. Contacted Freedom Mortgage about this issue and was told to send them the dispute to have it reviewed. They have done nothing to remove them.

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 2025-03-19 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: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
I was in arrears and got help from ( XXXX ) NJ 's XXXX XXXX XXXX  assistance Program who paid Select Portfolio Services XXXX XXXX, XXXX {$20000.00} which included all that was owed to bring my account up to date. That payment included XXXX 's XXXX mortgage payment also. Once my account was up to date my Mortgage payment went from {$2000.00} to {$1400.00} so Select Portfolio sent the overage back to XXXX on XXXX XXXX the same day XXXX resent the {$520.00} to Select Portfolio and told them to apply any overage payments to my account. On my XXXX statement it shows out of the {$20000.00} Principle {$1900.00} Interest {$4900.00} Escrow {$12000.00} Fees & Other charges {$1600.00}. My taxes for XXXX were {$7200.00} my homeowners ins. {$2000.00}. and I had already paid some of it for XXXX so where did they get the Escrow amount they took? 
Then in XX/XX/XXXX I get my statement saying my mortgage payment is now {$1500.00} for XXXX which XXXX paid them again {$2000.00} on XX/XX/XXXX which this statement says for last months payment Principle {$740.00} Interest {$540.00} Escrow {$730.00}. Then this morning I get my XXXX statement saying for XXXX I owe {$1500.00} which last months payment went as follows, Principle $ XXXX Interest {$1000.00} Escrow {$1100.00} Partial payment not applied $ XXXX. I have called Select Portfolio several times which I have dates, times & names of who I have spoken to, no one seems to be able to tell me where my overage payments have gone. I am extremely upset to the point of being sick from the XXXX  of them playing with my money and my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax is incorrectly reporting discharged accounts from my XXXX XXXX bankruptcy case ( # XXXX ). Despite supplying documentation proving the bankruptcy discharge ( Docket # XXXX ) and a Schedule E/F listing all included accounts, Equifax continues reporting them inaccurately, violating : FCRA 1681e ( b ), 1681i, and 1681s-2 ( b ) FCRA 1681c ( a ) ( 1 ) UDAAP ( 12 U.S.C. 5536 ) 11 U.S.C. 524 ( a ) ( 2 ) Accounts in violation include : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Given the recent legal action against Credit reporting agency fulfilling to properly investigate consumers disputes, I expect immediate attention to this matter Failure to comply, will leave me no choice, but to pursue legal action for damaged incurred Im giving them five days and I specify five day. To solidify this issue.

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 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
I recently noticed unauthorized hard inquiries on my credit report which I did not authorize. Under the Fair Credit Reporting Act ( FCRA ) 1681b, companies must have a permissible purpose to pull my credit report, and I have not given consent for these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: LA

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report a fraudulent account appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of an accounts opened at XXXX  # XXXX {$330.00} opened XXXX, XXXX XXXX XXXX {$1100.00} # XXXX opened XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX $ {$1600.00} # XXXX opened XXXX, XXXX XXXXXXXX {$460.00} XXXX, XXXX XXXXXXXX XXXX {$270.00} # XXXX opened XXXXThese accounts have resulted in a fraudulent accounts appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. CFPB Complaint against Credit Reporting Agency Experian What happened ( statement of pertinent facts ) : Consumer Name : XXXX XXXX XXXX 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 Experian 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, account have resulted in a account 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 item. I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections 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 as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the Experian credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address 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 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The following accounts do not belong to me and are reporting erroneously on my credit. I suspect identity theft. I have tried to dispute these accounts but the companies have not given me any signed documents. the accounts are as follows : 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/year>

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 2025-03-19 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:
The following accounts do not belong to me and are reporting erroneously on my credit. I suspect identity theft. I have tried to dispute these accounts but the companies have not given me any signed documents. the accounts are as follows : 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/year>

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 2025-03-19 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: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( 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 2025-03-19 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: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( 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 explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC.
State: GA

Complaint narrative:
XXXX has violated the FDCPA. I have voice recordings for XX/XX/XXXX and XX/XX/XXXX, which verify an agreement being broken that was made on XX/XX/XXXX with representative XXXX. She saw my payment history was pristine and advised that she could reduce the dept and resolve it, if I came to an agreement with her on the call. I agreed and made a {$40.00} payment on XX/XX/XXXX ; I also agreed to make a payment of {$450.00} by XX/XX/XXXX and on XX/XX/XXXX to resolve the debt for a total of {$900.00}. She advised I would receive a letter weeks after final payment confirming XXXX balance from XXXX. She then advised I would be able to reinstate my XXXX XXXX, and I was adamant that I had no desire to business with XXXX ever again, and I only wanted to resolve this matter to avoid any adverse credit actions. I called the afternoon of XX/XX/XXXX, was advised the account had been transferred to Collections " XXXX XXXX ''. I asked how my account could be in collections when I made an agreement less than 30 days ago and I was within the time frame I agreed to make my payment. I was directed to the aforementioned company. After being transferred twice, to XXXX, and then to XXXX ; she advised that the agreement was null and void after placing me on hold for several minutes to research. I am in the process of obtaining an attorney to determine my next steps, because I can prove that I made a payment on XX/XX/XXXX due to false and misrepresented statements by the representative. I have other recordings prior to XX/XX/XXXX where I attempted to resolve the debt and XXXX representatives gave me the " run around '' and disconnected the line. I was unable to attach the recording, because it exceeds the XXXX limit. I am including the transcript of the recording.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am interested in processing disputes on my credit report to delete a remove all unauthorized items listed on my file. I am a victim of identity theft an have no knowledge of the accounts listed. This has caused major denials an needs to be reviewed an deleted asap. None of the accounts are following the FCRA guidelines. Please review an remove the listed accounts asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CO

Complaint narrative:
Ever since XXXX, my automatic monthly payments of {$50.00} continue to bounce back. I even got a new bank account, confirmed that my numbers were correct, and my payments from MOHELA would still keep bouncing my payments back. They told me to call XXXX XXXX and ask them, and I was told they are not at fault, MOHELA keeps sending the payments back. My credit score is crashing and I just got it back up. They won't even let me pay {$10.00} without them sending it back, so now it says I'm 4 months late and I'm delinquency. {$200.00} behind. They will not let me pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Given the recent legal action against Credit reporting agency fulfilling to properly investigate consumers disputes, I expect immediate attention to this matter Failure to comply, will leave me no choice, but to pursue legal action for damaged incurred Im giving them five days and I specify five day. To solidify this issue.

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 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Given the recent legal action against Credit reporting agency fulfilling to properly investigate consumers disputes, I expect immediate attention to this matter Failure to comply, will leave me no choice, but to pursue legal action for damaged incurred Im giving them five days and I specify five day. To solidify this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: CA

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 explanation
Consumer complaint received 2025-03-19 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-03-19 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint against [ Creditor Name ] regarding an account I have with them, [ Account Number/Reference Number ]. I believe that this account needs to be removed from my credit report due to error, fraud, and be remove Here are the details of my complaint : Creditor Name : LVNV FUNDING LLC Account Number/Reference Number : XXXX Date the Account Was Opened : XX/XX/year>2024 I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with LVNV FUNDING LLC buttonoavail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX {$4900.00} This account is missing information. The credit bureau must report complete and accurate info according to the laws. 
XX/XX/XXXX through XX/XX/XXXX the data and payment history is missing. This is an inaccuracy. 
Theres a charge off listed XX/XX/XXXX and XX/XX/XXXX. This is not legal and inaccurate. Wheres the 30 day late? Where the 60 day late? Wheres the 90 day late? Wheres the 120 days late? These must come before an account is charged off.

Company response to consumer: Closed with explanation