vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

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 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I previously held a personal loan with XXXX XXXX, which was formerly known as XXXX XXXX. In XXXX, I encountered significant financial difficulties, making it challenging to negotiate a reduction in the interest rate with the company. Consequently, I sought assistance from a debt consolidation firm, XXXX XXXX, which facilitated the consolidation of my outstanding debts. XXXX XXXX accepted the settlement, and I fulfilled the payment agreement. Following this, I received a Form XXXX for the portion of the debt that was deemed taxable income, for which I duly paid the corresponding taxes. The debt was subsequently reported as settled on my credit report ; however, I have recently observed that the debt has reappeared on my credit report, indicating that the portion of the debt previously written off is now marked as unpaid.

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 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I previously held a personal loan with XXXX XXXX, which was formerly known as XXXX XXXX. In XXXX, I encountered significant financial difficulties, making it challenging to negotiate a reduction in the interest rate with the company. Consequently, I sought assistance from a debt consolidation firm, XXXX XXXX, which facilitated the consolidation of my outstanding debts. XXXX XXXX accepted the settlement, and I fulfilled the payment agreement. Following this, I received a Form XXXX for the portion of the debt that was deemed taxable income, for which I duly paid the corresponding taxes. The debt was subsequently reported as settled on my credit report ; however, I have recently observed that the debt has reappeared on my credit report, indicating that the portion of the debt previously written off is now marked as unpaid.

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 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
NAME : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX  XXXX, KY XXXX SSN : XXXX EQUIFAX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Removal of Unauthorized Hard Inquiries - Based on the FCRA Dear XXXX, I am writing to formally request the immediate removal of the hard inquiries listed on my credit report that were not authorized by me. According to the Fair Credit Reporting Act ( FCRA ) - 15 U.S. Code 1681b, credit bureaus may only include credit inquiries in my report if I have given explicit and verifiable permission to the company that conducted the inquiry. 
After reviewing my credit report dated ( XX/XX/XXXX ), I have identified the following unauthorized inquiries : XXXX. XXXX XX/XX/XXXX XXXX. XXXX  XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX I have no knowledge of these inquiries and did not provide written or electronic authorization, making this a violation of Section 604 of the FCRA. As a consumer, I have the right to dispute any inaccurate or unverifiable information on my credit report.

Requested Action : I request that you immediately investigate these credit inquiries and provide proof of valid authorization within 30 days, as required under FCRA 15 U.S. Code 1681i. If you are unable to verify authorization, I demand that these inquiries be removed from my credit report immediately.

I am attaching a copy of my identification and proof of address to verify my identity. I expect a written response confirming the removal of these inquiries. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I tried to get my credit score online and with the company and they. Could not recognize or verify my SSN : keep giving me error message : Sorry, we can't show you today 's 3-bureau report.

This might mean that Equifax has no record of your credit history or different personal details for you on file. Until this issue is resolved, you won't be able to see your report.

With live agent could not resolve the issue either my identity has been compromised.

15 USC 1681

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 2025-02-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
On the evening of XX/XX/XXXX after business hours, we received a letter XXXX  in the mail from PHH mortgage company in the mail stating that the rating of our home insurance company had dropped to a XXXX  rating. They consider this rating too low and stated that we would have to switch to a new insurance. The letter also stated that due to this lower rating they did not send a payment to our current carrier from our escrow account. The policy expired the next day on XX/XX/XXXX. We called the next morning and were told that this was their policy. We were also told that if we had a lapse in coverage we would be placed on a Lender placed policy which only covers the structure. We asked what this coverage would cost and were told that they would let us know after we secured new coverage. We attempted to contact a couple of carriers and discovered that this was going to take some time. So we contacted our current carrier and paid out of pocket to maintain the coverage we already had in place to protect ourselves home and assets. Due to the fires in California and a previous claim were unable to secure a new policy for XXXX weeks. 
During those 2 weeks and even after I have called PHHs Insurance division to appeal this process. During those calls I was told the our Insurance companies insurance rating actually dropped in XXXX of XXXX. And that PHH received our renewal information from California XXXX on XX/XX/XXXX. Sitting all year on the information that our companies rating had dropped and not informing us of that or their intention of not allowing in the future is something that they should have shared in a more timely fashion. Waiting for the renewal and then sending it the slowest possible way to inform us seems intentional and a way for them get more money from us.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
DEBT COLLECTORS CONTACTED ME AND I CONTACTED THEM, THEY HAVE INCORRECT INFORMATION EITHER THE ACCOUNTS ARE FRAUD OR THE ACCOUNTS BELONG TO A PERSON WITH SIMILAR NAME.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
DEBT COLLECTORS CONTACTED ME AND I CONTACTED THEM, THEY HAVE INCORRECT INFORMATION EITHER THE ACCOUNTS ARE FRAUD OR THE ACCOUNTS BELONG TO A PERSON WITH SIMILAR NAME.

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 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have requested you update my XXXX XXXX XXXX XXXX  ( XXXX  XXXX ) there is a lot of missing payments and incorrect information. I have in the past requested you update the following, XX/XX/XXXX needs to be updated as current ; I was not late for this payment as you can see it was current XX/XX/XXXX. 

Missing payments XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Current balance is {$780.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
XX/XX/year> I checked my credit report on Equifax, Transunion, and Experian, and they all show my current address incorrectly. 

The only address that should be on my credit report is my current address : XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX. To rectify this I've supplied my recent utility bill for my current address.

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 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
XX/XX/year> I checked my credit report on Equifax, Transunion, and Experian, and they all show my current address incorrectly. 

The only address that should be on my credit report is my current address : XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX. To rectify this I've supplied my recent utility bill for my current address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am asking for your help in investigating accounts where companies have inaccurately reported late payments. After reviewing my credit report, I noticed errors in certain accounts, as they should not have any late payment records. Please look into this matter.

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 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am asking for your help in investigating accounts where companies have inaccurately reported late payments. After reviewing my credit report, I noticed errors in certain accounts, as they should not have any late payment records. Please look into this matter.

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 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Send a certified letter on XX/XX/year> delivered date of XX/XX/year>. Still waiting on status. I called and no 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 non-monetary relief
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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 to formally express my concerns regarding Zelles 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 CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: MS

Complaint narrative:
paid/settled scciunt abd it was supposed to go 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 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit reports. Upon reviewing my report, I have identified multiple errors in the reporting of two accounts XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I am requesting an immediate investigation and correction of these inaccuracies under the Fair Credit Reporting Act ( FCRA ). 

XXXX. XXXX XXXX  Account - Inaccuracy : My payment history for XXXX, XXXX, XXXX, and XX/XX/year> is marked as " Not Current, '' yet my report also states that my XXXXamount past due is XXXX XXXX  and my XXXXlast payment was made on XX/XX/XXXX, XXXX. If I had been behind on payments, there should have been a past-due balance. 
XXXX XXXXRequested Action XXXX XXXX Please verify the accuracy of these late payment reports and correct them if they are inaccurate. If XXXX XXXX  can not substantiate the late payments with proper records, this information should be removed from my credit file. 

XXXX. XXXX XXXX XXXX XXXX ( Collection Account for XXXX ) - Inaccuracy : XXXX. The account is reported as " Open, '' even though collection accounts should be listed as " Closed '' once sold by the original creditor ( XXXX ). 
XXXX. The remarks section redundantly states, " Account information disputed by consumer '' twice, which could indicate a reporting error. 
XXXX. The balance of {$320.00} needs verification to ensure it does not include unauthorized fees or interest that were not originally agreed upon. 
XXXX XXXXRequested Action XXXX XXXX I request validation of this debt, including a breakdown of the balance and confirmation that the account status is correctly classified as a collection rather than an " Open '' account. If the information can not be validated, it should be removed from my credit report. 
Under the FCRA, I request that this matter be investigated and corrected. 

Thank you for your time and prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit reports. Upon reviewing my report, I have identified multiple errors in the reporting of two accounts XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I am requesting an immediate investigation and correction of these inaccuracies under the Fair Credit Reporting Act ( FCRA ). 

XXXX. XXXX XXXX  Account - Inaccuracy : My payment history for XXXX, XXXX, XXXX, and XX/XX/year> is marked as " Not Current, '' yet my report also states that my XXXXamount past due is XXXX XXXX  and my XXXXlast payment was made on XX/XX/XXXX, XXXX. If I had been behind on payments, there should have been a past-due balance. 
XXXX XXXXRequested Action XXXX XXXX Please verify the accuracy of these late payment reports and correct them if they are inaccurate. If XXXX XXXX  can not substantiate the late payments with proper records, this information should be removed from my credit file. 

XXXX. XXXX XXXX XXXX XXXX ( Collection Account for XXXX ) - Inaccuracy : XXXX. The account is reported as " Open, '' even though collection accounts should be listed as " Closed '' once sold by the original creditor ( XXXX ). 
XXXX. The remarks section redundantly states, " Account information disputed by consumer '' twice, which could indicate a reporting error. 
XXXX. The balance of {$320.00} needs verification to ensure it does not include unauthorized fees or interest that were not originally agreed upon. 
XXXX XXXXRequested Action XXXX XXXX I request validation of this debt, including a breakdown of the balance and confirmation that the account status is correctly classified as a collection rather than an " Open '' account. If the information can not be validated, it should be removed from my credit report. 
Under the FCRA, I request that this matter be investigated and corrected. 

Thank you for your time and prompt attention to this matter. I look forward to your response. 

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 explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: UPGRADE, INC.
State: FL

Complaint narrative:
am writing to formally file a complaint against Upgrade Inc as I believe they have wrongfully charged off my loan despite my consistent and on-time payments. Their actions have negatively impacted my financial standing and credit history, and I seek your intervention in this matter. 

I took out a loan with Upgrade Inc and have always made my payments on time. In XX/XX/year>2024, I was approved for a three-month hardship payment plan, which I completed as agreed. Once the hardship period ended, I resumed my regular payments. However, when I attempted to make a payment online, I was shocked to see that my loan had been charged off and sold to another collection agency. 
When I was trying to make my regular payment on XXXX XXXX 2024 I strongly believe this is unfair and unlawful, as a loan can not be charged off while payments are being made. This action has caused unnecessary harm to my credit report and financial situation. I have contacted Upgrade multiple times and all the three credit bureau XXXX, XXXX and XXXX, but they have failed to resolve the issue.

Company response to consumer: Closed with explanation