vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-21 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nv XXXX XXXX XXXX Experian Credit Services Credit Reporting Agency ATTN : Disputes Department XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/year> Subject : Formal Dispute of Inaccurate Information and Notice of FCRA Violations Dear Experian, This will be my final attempt to dispute the inaccurate information that has been reinserted into my credit report after it was previously deemed unverifiable and removed. Your company has not been compliant with conducting proper investigations.

Per

15 U.S.C. 1681i ( a ) ( 1 ), credit reporting agencies are required to conduct a reasonable investigation of disputed information within 30 days. Despite multiple dispute letters sent to your agency, you have failed to provide reasonable protocol on how these accounts were investigated violating 15 USC 1681i ( a ) ( 6 ) ( B ) ( 3 ) along with responding within the legally allotted time frame Additionally, the re-insertion of previously removed and unverifiable information without following the required protocol violates 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). According to this law, any information that is reinserted must be certified as accurate and the consumer must be notified within 5 business days. No such notification was provided to me.

I would also like to bring to your attention the ongoing lawsuit against Experian filed by the Consumer Financial Protection Bureau ( CFPB ) for similar violations, further underscoring the severity of these issues. Due to these repeated violations and the substantial harm caused, I will be seeking punitive damages for your continued non-compliance with federal law. 
I demand that all inaccurate and improperly reinserted accounts be permanently removed from my credit report immediately. 
Failure to comply will result to me seeking {$1000.00} per violation found on my consumer report Thank you 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 2025-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: TX

Complaint narrative:
I have disputed this account with Discover card numerous of times with no feedback from the company, they still continue to report this account on my credit report and it does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: TN

Complaint narrative:
Year XXXX I Filed A Dispute With Experian Informing Them Some Accounts Has Been Settle & According To The IRS These Companies ( Collection Agency- 3rd Party Debt Collectors ) Can't Report Income. These Debts Don't Exist Anymore. I Have Already Filed My Taxes ( XXXX XXXX XXXX XX/XX/XXXX ) To Report The Debt With The Original Creditor. I Will Upload My XXXX Taxes. Go To Schedule XXXX XXXX Part XXXX Line XXXX That Amount Included The Debts I Had Informed The Credit Agency. Those Debts Included > XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Hello, Please note that i have consent from my XXXX  attorney to communicate with you or the mortgage company directly. 
Please also take a look at the other complaint dated XX/XX/year> in which i complained about Shellpoint Mortgage keeping erroneous mortgage records. They recified that problem but its sad to note that they once again have started maintaining erroneous records. They have also refused to work with me on a XXXX or a XXXX even though i notified them of my XXXX XXXX diagnosis which occurred XX/XX/year> which left me with complications which have kept me out of work until i am cleared by my primary care physician. 

Shellpoint mortgage has a legal fee on my mortgage statement for {$3100.00}. A representative at the mortgage company told me that this amount was put on my statement on XX/XX/year>. I paid XXXX funding an amount of {$12000.00} on XX/XX/year> before the mortgage was transfered to Shellpoint mortgage on XX/XX/year>. 

Shellpoint mortgage need to stop making errors on my mortgage statement once and for all as it is not only very time consuming to keep up with checking for errors but it is also very risky for me and can be very detrimental to me. 

The loss mitigation department also needs to work with me and give me a modification or forbearance as i have already provided proof of my XXXX XXXX XXXX 

Finally, the staff at Shellpoint mortgage need to stop giving me a run around and stop stop telling me lies.

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 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Servicer under contract with Federal Student Aid
State: TX

Complaint narrative:
I have disputed this alleged loan numerous times due to the fact that there is no contract between XXXX XXXX, the natural person, and XXXX XXXX XXXX or the US Department of Education. There is no promissory note with wet ink signature. There is no proof of original contract that exists. Who authorized this loan? 
They keep submitting " proof '' of a master promissory note with a typed signature. I am questioning the validity of the alleged promissory note. Anyone could have TYPED my name in the space. Where is the original contract?

Company response to consumer: Untimely response
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Revolut Technologies Inc.
State: GA

Complaint narrative:
I formally dispute an unauthorized transaction of {$310.00} charged to my Revolut Virtual Single Use Debit Card on XX/XX/year>. The merchant in question is identified as XXXX XXXX XXXX' I confirm that I did not authorize this transaction or have engaged in any business with this entity. No goods or services were rendered in exchange for this payment. 

I submitted a dispute claim through Revolut Technologies Inc XXXX XXXX XXXX XXXX within XXXX hour of the unauthorized charge appearing on my account. Unfortunately, this claim was denied via email correspondence. 

I respectfully request a thorough investigation into this matter and a complete reversal of the fraudulent charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: WI

Complaint narrative:
On XX/XX/XXXX I received a letter from Federal Student Aid thanking me for my public service and that my student loans had 192 payments and the effective date of forgiveness was XX/XX/XXXX. This letter stated, " Your loan servicer will send you communication about PSLF/TEPSLF forgiveness within 30 business days.

It has been 6 months and I have not received anything from my servicer XXXX as this letter stated I would. 

I have contacted Federal Student Aid three times from when this letter was sent starting in XXXX, XXXX and as recent at XX/XX/XXXX. Each time I have contacted Federal Student Aid they have told me that my loans have been forgiven but I just need to wait. 

What am I waiting for, it has been 6 months. In addition they can't tell me why I continue to have a balance and what the problem is. 

How can they send me a letter telling me my loans have been forgiven and I would receive communication within 30 days and then for 6 months tell me to just wait without telling me what the problem is? This is completely fraudulent. 

I have contacted my servicer XXXX and they tell me to contact Federal Student Aid. 

I continue to have a loan balance and a monthly payment. I now have 195 qualifying payments towards this loan.

Company response to consumer: Untimely response
Consumer complaint received 2025-01-21 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: First Federal Credit Control, Inc.
State: SC

Complaint narrative:
Per new laws Medical debt can not be added to credit reports. With all three credit bureaus I submitted to have this removed and was denied immediately. I also called the collection agency First Federal Credit Control and asked to have this removed and their customer service rep said she was unaware of any law about adding medical debts to credit reports which has to be categorically false. I would like these collections removed from my credit report and hopefully these companies will not continue to try and do this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: FL

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: VA

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's 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 CFPB 's 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 2025-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PNC Bank N.A.
State: GA

Complaint narrative:
I am writing to express my ongoing concern regarding a credit account ( XXXX ) reported by PNC Bank on my credit report, which I firmly know does not belong to me. I am a victim of identity theft, a situation that has persisted for several years, and I have been actively trying to resolve this matter. 

Despite submitting multiple letters to all 3 credit bureaus that this account is fraudulent, I have yet to see any progress. I recently contacted PNC Bank to inquire about the status of this account, and I was informed that it is currently undergoing investigation, with no plans for removal. This is deeply troubling, especially since I requested proof showing that I opened this account at one of your branches, which I have not received. 

As an identity theft victim, I believe it is vital that financial institutions take the necessary steps to verify the legitimacy of accounts. It is disheartening to think that a lack of thorough verification practices has impacted my credit report negatively. I kindly urge PNC Bank to conduct a proper investigation into this matter and provide clear evidence of my involvement with this account other than a signature on a piece of paper since I was told this account was open in a branch it should be video evidence and other articles of proof that this account belongs to me I appreciate your attention to this critical issue, and I look forward to your prompt response. Thank you for your understanding and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm writing to express my deep concern about the lack of my credit information from your bureau. As a careful customer who regularly examines their credit profile, I am concerned about the recent discovery that crucial information appears to be missing from your records. Despite my proactive approach to managing my finances and making timely payments on all accounts, I have faced major challenges as a result of the absence of my credit data from your bureau. This has not only caused annoyance, but it has also left me in a hazardous position, particularly in light of recent financial transactions and loan applications. I have made repeated attempts to resolve this issue through your customer support channels, but the process has been lengthy and inefficient. As a result, I am experiencing unnecessary obstacles to receiving crucial financial services and opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: VA

Complaint narrative:
Mohela abruptly increased my payments without warning for student loan repayments. Orginial payment was $ XXXX and without warning increased it to {$2200.00} per month ( 60 % of my monthly income ). I have asked numerous times for justification as to why my payment increased by a FACTOR of 3 when my salary only increased by 3 % and they can not provide that information, I requested a refund for the amount above in XX/XX/year>2024, again in XX/XX/scrub> 2024 when they said they never filed the refund request, and when I checked back in XX/XX/scrub> 2024, they stated again that the refund was never submitted properly. They continued to withdraw {$2200.00} despite explicit instruction not to. They now owe me > {$6700.00} in refunds and I have been waiting on this for over 6 months. When I call for an update, it takes 2-3 hours on hold before getting a service representative and then I have to wait another 1-2 hours on hold for a supervisor who acts very reassuring every time. I am a physician and can not take 4-6 hours out of my day every time I need an update nor can they provide an accurate update. It feels frankly fraudulent to make customers wait this long when 1. they can not justify their actions/billing and 2. When thousands of dollars are at stake. I have ask for their attorney 's information and they refused to provide. They already have one open lawsuit against them for this type of behavior but they continue to push struggling customers around.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: NV

Complaint narrative:
Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately. 
Thank you for your prompt attention to 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 2025-01-21 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX, OH XXXX XXXX Social Security Number : XXXX XX/XX/year> Equifax Information Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX Subject : Request for Removal of Unauthorized Hard Inquiries Due to Identity Theft Dear, EQUIFAX I am writing to formally request the removal of unauthorized hard inquiries from my credit report. After a recent review, I discovered several hard inquiries that I did not authorize, which are negatively impacting my credit score. 
The unauthorized inquiries related to identity theft are as follows : Please remove inquiries below XXXX XX/XX/scrub> 2025 XXXX XXXX XX/XX/year>2025 Under the Fair Credit Reporting Act ( FCRA ), 1 have the right to dispute any inaccurate information on my report. Since I did not authorize these inquiries, I am requesting their immediate removal. To assist with verification, I have enclosed a copy of my ID, a recent utility bill, and my credit report with the unauthorized inquiries highlighted.

Additionally, I have filed an FTC identity theft report with the Consumer Financial Protection Bureau ( CFPB ).

Please investigate these inquiries and remove them from my credit report at your earliest convenience. I would appreciate confirmation once the removal is completed or guidance on any further steps required.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX, OH XXXX XXXX Social Security Number : XXXX XX/XX/year> Equifax Information Services , LLC , XXXX XXXX XXXX, XXXX XXXX GA XXXX Subject : Request for Removal of Unauthorized Hard Inquiries Due to Identity Theft Dear, EQUIFAX I am writing to formally request the removal of unauthorized hard inquiries from my credit report. After a recent review, I discovered several hard inquiries that I did not authorize, which are negatively impacting my credit score. 
The unauthorized inquiries related to identity theft are as follows : Please remove inquiries below XXXX XX/XX/scrub> 2025 XXXX XXXX XX/XX/year>2025 Under the Fair Credit Reporting Act ( FCRA ), 1 have the right to dispute any inaccurate information on my report. Since I did not authorize these inquiries, I am requesting their immediate removal. To assist with verification, I have enclosed a copy of my ID, a recent utility bill, and my credit report with the unauthorized inquiries highlighted.

Additionally, I have filed an FTC identity theft report with the Consumer Financial Protection Bureau ( CFPB ).

Please investigate these inquiries and remove them from my credit report at your earliest convenience. I would appreciate confirmation once the removal is completed or guidance on any further steps required.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief