vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-29 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: TX

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Consumer XXXX XXXX have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX Account Number : XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided Please remove these accounts from my report they are hurting my ability to obtain crediT. Thanks.

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 2025-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
The Bureaus ( Collection Agency ) is attempting to collect a debt on behalf of Capital One that I have no recollection of. I have made numerous attempts to reach them to validate this debt and have received no response or correspondence. Please remove from XXXX, XXXX, and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: SC

Complaint narrative:
Today I decided to review all my credit reports. In my review I discovered so many inaccuracies. I prepared a letter of an investigation for Experian, XXXX and XXXX to conduct a proper investigation on each accounts listed within my letters. 

According to the FCRA all information reporting on my credit report must accurate and complete. There are plenty of inaccurate information. This type of action can cause me from growing my business and purchasing a home.

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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To Experian XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX Subject : Formal Dispute Resolution XXXX XXXX ( Acct : XXXX ) ** Dear Experian & XXXX XXXX Representative , I am formally disputing the incorrect charge-off listed on my Experian credit report for XXXX XXXX due to errors in reporting, failure to notify me, and potential IRS non-compliance. 

Account Details : Creditor : XXXX XXXX Account Number : XXXX Status : Charge-Off Date Reported : XX/XX/year> Issue : Account was settled, yet still marked as charge-off, with no IRS Form XXXX issued Reasons for Immediate Removal or Correction : The account was settled in full, yet still marked as a charge-off. 

This account was legally settled for less than the full balance, meaning it should not be reported as a charge-off but rather as " Settled Paid in Full. '' The reporting misrepresents the true status of the account, violating Fair Credit Reporting Act ( FCRA ) guidelines. 
Failure to Notify Me of the Charge-Off ( FCRA Violation XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) ) Under the FCRA, creditors must notify consumers before reporting a charge-off to the credit bureaus. 
XXXX XXXX never sent me any notice informing me of this charge-off before it appeared on my report. 
Failure to Issue IRS Form XXXX for Canceled Debt ( IRS Violation XXXX XXXX. XXXX ) If XXXX XXXX canceled {$600.00} or more of this debt, they were legally required to issue Form XXXX and report the canceled amount to the IRS. 
Since no XXXX was issued, this charge-off is either invalid or should not exist on my credit report. 
Requested Actions : Remove the charge-off from my credit report immediately to correct this reporting error. 
Update the account status to " Settled Paid in Full '' instead of " XXXX. '' Provide documentation proving I owed a balance after my settlement agreement. 
Provide written proof that I was notified before this charge-off was reported. 
Confirm whether XXXX XXXX reported this charge-off to the IRS and provide a copy of Form XXXX if applicable. 
If no valid proof exists, issue a formal statement confirming the charge-off was incorrectly reported. 

Under FCRA ( XXXX XXXX. XXXX ), you are legally required to investigate and respond within XXXX days. If this charge-off is not removed or corrected, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission XXXX FTC ) XXXX and the IRS for investigation into non-compliance with tax reporting laws. 

Please confirm receipt of this dispute and provide written confirmation of the resolution. You may contact me at XXXX or XXXX. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: MI

Complaint narrative:
Im writing a complaint because the agency is continuing to furnish invalid and fraudulent information onto my consumer report without my consent. Ive tried disputing but the agency doesnt accurately investigate. My finances have been damaged, im not able to be approved for anything for the fact that said agency will not cease to furnish inaccurate data onto my consumer report. 
According to XXXX U.S.C XXXX ( XXXX ) ( XXXX ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2025-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Late last year ( XX/XX/XXXX ) I experienced what I believe is Identify theft. I discovered that someone had applied & received multiple credit cards in my name. So, I called experian to explain that this was not my doing & to please take it off my credit report & do a security freeze & fraud alert, so that no one could do it again. I took notes only during some of the calls I had to make to get this sorted out but here is all the info I have. Just recently my credit score suffered damage due to the same account I thought had long been taken off my credit account. 
The rep. I spoke with recently gave me this info : Reference ID # - XXXX Opened date Origination date - XX/XX/XXXX XXXX XXXX is the credit companys new name originally it was XXXX XXXX Proof that I spoke w/ someone at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Name XXXX XXXX Employee XXXX XXXX XXXX = last time I called now its a collection XX/XX/XXXX up to XXXX  days investigate The fraudulent accounts : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: LEXISNEXIS
State: MI

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: IL

Complaint narrative:
I received dispute results and credit reports giving contradictory information. 
Experian Report # XXXX, dated XX/XX/year> reads a bankruptcy that I disputed as, " DISPUTED ITEM NOT LISTED ON CREDIT REPORT ''. It does not give a status of " Deleted '', " Remains '', " Updated '', " Processed '' or " Verified and Updated ''. Under the heading " How to Read Your Results '' that portion is blank. 

Yet on Experian Report # XXXX, also dated XX/XX/year>, under the " How to Read Your Results '' section, there is a sub-heading the that reads " Here are your results '' and " Still pending '' is listed for accounts under dispute but the Bankruptcy has been illegally re-inserted into this report. 

So I would like a deletion of the bankruptcy, and a thorough explanation on how can a bankruptcy that I am disputing from a previous report, be " NOT LISTED ON CREDIT REPORT '' on dispute results report # XXXX, yet it shows up on dispute results report # XXXX and both reports are produced on the same day?

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 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I disputed transactions that werent made by me and the companies refused to make an effort to resolve them saying that there wasnt anything that they could do to fix the issue

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: NV

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 2025-01-29 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: General Motors Financial Company, Inc.
State: PA

Complaint narrative:
I would like for the inquiries to be deleted because did not authorize these companies to run my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
I would like for the inquiries to be deleted because did not authorize these companies to run my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: SC

Complaint narrative:
Today I decided to review all my credit reports. In my review I discovered so many inaccuracies. I prepared a letter of an investigation for XXXX, Transunion and XXXX to conduct a proper investigation on each accounts listed within my letters. 

According to the FCRA all information reporting on my credit report must accurate and complete. There are plenty of inaccurate information. This type of action can cause me from growing my business and purchasing a home.

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 2025-01-29 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: SC

Complaint narrative:
Today I decided to review all my credit reports. In my review I discovered so many inaccuracies. I prepared a letter of an investigation for XXXX, XXXX and Equifax to conduct a proper investigation on each accounts listed within my letters. 

According to the FCRA all information reporting on my credit report must accurate and complete. There are plenty of inaccurate information. This type of action can cause me from growing my business and purchasing a home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: CT

Complaint narrative:
TransUnion According to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. All inaccurate information much removed from credit reports. 

XXXX XXXX. XXXX is part of the Fair Credit Reporting Act ( FCRA ). The FCRA requires consumer reporting agencies to use fair and impartial procedures to gather and evaluate consumer information. The FCRA also gives consumers the right to dispute inaccurate information on their credit reports. 

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 XXXXXXXX

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 2025-01-29 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: PA

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS AND CONFIDENTIUALITY UNDER XXXX XXXX XXXX. 



ACCOUNT NAME ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. 

XXXX XXXX. XXXX SECTION XXXX A. STATES I HAVE THE RIGHT TO PRIVACY. 

XXXX XXXX. XXXX SECTION XXXX A SECTION XXXX : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH An ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

XXXX XXXX. XXXX. ( a ) ( XXXX ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN XXXX YEARS. 

XXXX U.S.C XXXX ( A ) ( XXXX ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELEIVE THAT THE INFORMATION IS INACCURATE.

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 2025-01-29 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: PA

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS AND CONFIDENTIUALITY UNDER XXXX XXXX XXXX. 



ACCOUNT NAME ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS. 

XXXX XXXX. XXXX SECTION XXXX A. STATES I HAVE THE RIGHT TO PRIVACY. 

XXXX XXXX. XXXX SECTION XXXX A SECTION XXXX : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH An ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

XXXX XXXX. XXXX. ( a ) ( XXXX ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN XXXX YEARS. 

XXXX U.S.C XXXX ( A ) ( XXXX ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELEIVE THAT THE INFORMATION IS INACCURATE.

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 2025-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
This is in regards to a mortgage for the XXXX of XXXX XXXX ( my XXXX  mother and I am a certified successor ), loan # XXXX. I paid a private insurance company in full for the year on XX/XX/XXXX. Even after I sent proof of insurance and payment, Shellpoint Mortgage Servicing also paid my private insurance company in full. My insurance company quickly sent me a refund, but Shellpoint has refused to return the {$3800.00} currently held in escow ( escrow is for lender placed insurance only which I didn't need ) AND continues to take {$760.00} each month in escrow despite the fact insurance has been paid by them and me. On XX/XX/XXXX I requested an escrow cancellation. I called back on XX/XX/XXXX and was told the last agent didn't submit the request properly and that agent resubmitted it ( task # XXXX ). I called back on XX/XX/XXXX and was told the prior agent hadn't submitted the request correctly and they had to resubmit it for the XXXX time. On XX/XX/XXXX I also sent an email requesting escrow removal. On XX/XX/XXXX I called and was told they used a different case number so the request didn't go through for a XXXX time. On XX/XX/XXXX I was told by " XXXX '' escrow was cancelled and she said my new payment was {$2300.00}. She also said I would have a refund sent directly to my checking account within XXXX  days. This wasn't reflected online so I called back on XX/XX/XXXX and was told my escrow request was denied due to a missed payment during the last XXXX  months. There were late payments due to a pending lawsuit to have my mother 's trustee removed as he developed XXXX. He was not making payments for the trust. Once the lawsuit was settled I paid all missing payments immediately and the mortgage is completely caught up. In addition, since Shellpoint bought the mortgage from XXXX XXXX in XXXX, all payments have been paid on time. XXXX XXXX didn't consider the payments late because it was in their " estate care division '' and we were in constant contact with them explaining the situation.

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 2025-01-29 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: TX

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 XXXX hours, stating that the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, EQUIFAX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) 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. These are the accounts that I have marked inaccurate : XXXX XXXX, XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: NH

Complaint narrative:
An individual used my personal information to open a XXXX XXXX account in my name. They accumulated a total amount of {$6400.00}. The account number that the fraudulent individual used is XXXX, and the address that the account is listed under is XXXX XXXX XXXX, XXXX, FL XXXX. I have spoken with the XXXX XXXX Fraud Department, and they have begun the process of investigating the fraud. I have begun to file my case on the XXXX XXXX Fraud website, and will need this case number to complete the information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation