vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Subject : Formal Complaint Against Shellpoint Mortgage XXXX XXXX and XXXX  To Whom It May Concern, I am writing to formally file a complaint against Shellpoint Mortgage XXXX XXXX and XXXX  regarding the mismanagement of my property tax overpayment refund for my property located at : XXXX XXXX XXXX, XXXX, SC XXXX Loan Number : XXXX Shellpoint Mortgage overpaid my annual property tax, and on XX/XX/year>, XXXX XXXX issued a refund check in the amount of {$3900.00} ( Check # XXXX ) to XXXX. According to the issuing party, this check was cashed by XXXX on XX/XX/year>. 

Despite my numerous attempts to have these funds properly applied to my escrow account, Shellpoint Mortgage and XXXX have failed to take action. As a direct result of this delay, my escrow account now has a negative balance, creating an unnecessary financial burden. 


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 2025-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
I am filing a complaint against Cashapp ( Block inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFFA ) specifically, cash app has failed to take timely and effective measures to prevent and address fraud on their platform leaving my account and personal information unprotected. Their dispute resolution is unfair and deceptive knowing they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. Due to this issue it has caused me several inconveniences and financial loss.I seek appropriate redress for these violations. Ive used my account for over 6 years and it was closed with no explanation.

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: MS

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from my credit report.

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: EQUIFAX, INC.
State: CA

Complaint narrative:
My personal information was leaked in a data breach

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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My personal information was leaked in a data breach

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: IN

Complaint narrative:
I am writing to address a serious issue regarding identity theft and the inaccurate reporting of information on my credit reports. I have previously requested that all debt collectors and reporting agencies involved in this matter properly validate and verify the debts associated with the accounts listed below. Despite these requests, the reporting agenciesspecifically TransUnion, Equifax, and Experianhave failed to conduct proper investigations as required by the Fair Credit Reporting Act ( FCRA ) and continue to report inaccurate and incomplete information. 

The following accounts and inquiries require immediate removal from my credit reports due to identity theft : XXXX XXXX  Account : XXXX XXXX XXXX Account : XXXX XXXX XXXX  Account : XXXX Inquiries : XXXX, XXXXXXXX XXXX XXXX  XXXX As per the FCRA, Section 605B, I am entitled to have any fraudulent or identity theft-related accounts removed from my credit report once I have provided sufficient evidence and made a request for such removal. Under Section 1681i of the FCRA, I also have the right to dispute any inaccurate or incomplete information, and you are required to investigate the matter thoroughly. 

It has been brought to my attention that TransUnion, Equifax, and Experian are actively assisting debt collectors who have been served with a cease and desist letter and have failed to provide the requested validation of debt. These agencies are violating the FCRA by continuing to report accounts without proper verification and by not conducting a full investigation into the fraudulent activity associated with these accounts. 

This is a final warning. If these matters are not immediately addressed and the fraudulent accounts and inquiries removed from my credit reports, I will have no choice but to pursue legal action under the FCRA. I will seek damages and any necessary relief through litigation, including filing a lawsuit against TransUnion, Equifax, and Experian for failure to comply with federal law regarding identity theft and inaccurate reporting.

Please take this letter as my formal notice that any further attempts to report incorrect information related to the fraudulent accounts mentioned will not be tolerated. I expect all erroneous accounts and inquiries to be removed from my credit report within 30 days, as required by law.

Failure to comply with this request will result in legal action and may include reporting violations to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for further investigation and enforcement.

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: IN

Complaint narrative:
I am writing to address a serious issue regarding identity theft and the inaccurate reporting of information on my credit reports. I have previously requested that all debt collectors and reporting agencies involved in this matter properly validate and verify the debts associated with the accounts listed below. Despite these requests, the reporting agenciesspecifically TransUnion, Equifax, and Experianhave failed to conduct proper investigations as required by the Fair Credit Reporting Act ( FCRA ) and continue to report inaccurate and incomplete information. 

The following accounts and inquiries require immediate removal from my credit reports due to identity theft : XXXX XXXX  Account : XXXX XXXX XXXX Account : XXXX XXXX XXXX  Account : XXXX Inquiries : XXXX, XXXXXXXX XXXX XXXX  XXXX As per the FCRA, Section 605B, I am entitled to have any fraudulent or identity theft-related accounts removed from my credit report once I have provided sufficient evidence and made a request for such removal. Under Section 1681i of the FCRA, I also have the right to dispute any inaccurate or incomplete information, and you are required to investigate the matter thoroughly. 

It has been brought to my attention that TransUnion, Equifax, and Experian are actively assisting debt collectors who have been served with a cease and desist letter and have failed to provide the requested validation of debt. These agencies are violating the FCRA by continuing to report accounts without proper verification and by not conducting a full investigation into the fraudulent activity associated with these accounts. 

This is a final warning. If these matters are not immediately addressed and the fraudulent accounts and inquiries removed from my credit reports, I will have no choice but to pursue legal action under the FCRA. I will seek damages and any necessary relief through litigation, including filing a lawsuit against TransUnion, Equifax, and Experian for failure to comply with federal law regarding identity theft and inaccurate reporting.

Please take this letter as my formal notice that any further attempts to report incorrect information related to the fraudulent accounts mentioned will not be tolerated. I expect all erroneous accounts and inquiries to be removed from my credit report within 30 days, as required by law.

Failure to comply with this request will result in legal action and may include reporting violations to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for further investigation and enforcement.

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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My Experian credit report contains serious reporting errors that should have never been included. This level of negligence is unacceptable and raises major concerns about the reliability of your verification process. These inaccuracies are actively damaging my credit profile, and I will not allow them to go unchallenged. 

The following disputed accounts need immediate correction : XXXX XXXX  - XXXX - {$2000.00XXXX XXXX - XXXX - {$0.00} XXXX XXXX XXXX - XXXX - {$4200.00} XXXXXXXX XXXX - XXXX - {$2600.00} XXXX XXXX XXXXXXXX XXXX XXXX - {$11000.00} XXXXXXXX XXXX XXXX XXXX XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX - {$16000.00} As a consumer, I am legally entitled to a credit report free from false or unverifiable information. The FCRA mandates that all reported data must be 100 % accurate and provable. If these errors can not be supported by concrete documentation, they must be removed immediately. I demand a thorough reinvestigation and immediate resolutiondelays will not be tolerated.

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: Penn Credit Corporation
State: MI

Complaint narrative:
Upon recently checking my credit reports I found that there were fraudulent inquiries from companies that I dont recognize. These Inquiries are listed below. And companies that was wrongfully opened are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Penn credit corporation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Fidelity National Information Services, Inc. (FNIS)
State: LA

Complaint narrative:
This letter serves as a formal dispute regarding adverse information present in my consumer report with Chex Systems. I hereby demand a thorough investigation in accordance with the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws

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: AL

Complaint narrative:
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, 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. XXXX  XXXX, XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX : XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX  XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report, Ive attached a list of hard inquires in question as well as a copay of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the results of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the results of identity theft and fraud.

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 information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Id really appreciate it if you could quickly take off the fraudulent items from my credit report given the circumstances and fix any inaccuracies or fraud. This is the umpteenth time Im reaching out for your help. Ive attached documents from the relevant authorities that back up my claims.

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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My credit report contains late payment remarks that I firmly believe are inaccurate and misleading. These incorrect records are unfairly lowering my credit score, and I refuse to accept this damage to my financial reputation. 

The following late payment remarks require immediate correction : XXXX XXXX XXXX XXXX - XXXX - {$3300.00} I have diligently maintained my financial responsibilities, yet these errors continue to create unnecessary obstacles. The FCRA clearly states that any incorrect, outdated, or unverifiable information must be promptly corrected or removed. I demand immediate action to rectify these errorsany further delay will be seen as deliberate negligence.

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 information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
There are incorrect entries on my report that are unfairly damaging my scores and making my financial situation harder than it should be. Its frustrating to be held back by errors that shouldnt 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: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing a formal complaint against SoFi Bank regarding the unjust restriction placed on my account, preventing me from accessing my funds. Despite multiple attempts to resolve the issue through their customer service, I have been given inconsistent responses and no clear justification for their actions. 

I hold an online bank account with SoFi Bank, and my access to funds has been restricted. After making several calls to their customer servicewhere communication was difficultI was eventually informed that my account was being closed and that I could not withdraw my balance. When I asked for the reason, I was repeatedly given vague responses until, after eight calls, I was finally told that the issue stemmed from a transfer made by my wife to my account. 

SoFi Bank claims that receiving funds from my wife violates a banking regulation, though they have not provided specific details. What makes this even more unreasonable is that the funds in question came from a joint account that both my wife and I legally own. SoFis actions appear arbitrary and unfair, as they are withholding my legally owned money without justification.

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: MI

Complaint narrative:
At this point the laziness and lack of consideration is because so apparent that there is no possible way for claims of disputes being justified to ever been deeper accurate or at FCRA standard. The attached credit report shows NO NEGATIVE REMARKS. As there should be none on my report. When asked to dispute issues company continues to say they are complying with FCRA standards Company should explain why exactly standard allows them to manipulate and continue posting outdated and inaccurate information on behalf of creditors. Company should explain how they review a legal credit report thats 100 % accurate the year of 2025 and found they made no mistakes. 

Why Im being told to trust a company that is being sued for false data while continuing to provide false data is insane. 

Follow XXXX Role and rule legal credit reports.

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: LA

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 2025-03-19 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: TX

Complaint narrative:
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 four ( 4 ) business days of receiving this complaint.

The fraudulent, inaccurate, and false information consists of collection accounts and hard inquiries that I did not open or authorize. These accounts include XXXX, opened on XX/XX/XXXX ; XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX ; XXXX XXXX XXXX, opened on XX/XX/XXXX ; XXXX XXXX, opened on XX/XX/XXXX ; XXXX XXXX - XXXX XXXX, opened on XX/XX/XXXX ; and XXXX - XXXX XXXX XXXX, opened on XX/XX/XXXX. These unauthorized accounts have resulted in fraudulent collections that are negatively impacting my consumer FICO credit report. 

I do not recognize these accounts as reported. They were not opened, made, or initiated by me and are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. Federal Trade Commission that all of these fraudulent collection accounts must be blocked and permanently removed from my credit file.

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 — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
There are incorrect entries on my report that are unfairly damaging my scores and making my financial situation harder than it should be. Its frustrating to be held back by errors that shouldnt exist.

Company response to consumer: Closed with explanation