vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-27 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX Phone : XXXX Email : XXXX Date : XX/XX/year>2025 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Against Equifax for Fraudulent Reporting Dear CFPB Team, I am writing to formally file a complaint against Equifax for fraudulently reporting negative information on my credit report and misrepresenting my personal credit history. This issue has caused significant harm to my financial well-being, and I am requesting your intervention to resolve this matter.

Nature of the Complaint Equifax has inaccurately reported negative information against my credit history, which I believe to be false and without justification. These fraudulent entries have damaged my credit score, hindered my financial opportunities, and do not accurately reflect my financial actions or behavior. Despite my efforts to address the issue directly with Equifax, the problem remains unresolved.

Impact on Me Due to Equifaxs negligent and inaccurate reporting : 1. My creditworthiness has been unjustly impacted.

2. I have been denied access to credit and financial opportunities.

3. I have experienced stress and frustration in trying to correct their errors.

Actions I Have Taken 1. Disputes Filed : I have contacted Equifax to dispute the inaccurate reporting. However, my disputes were either ignored or inadequately addressed.

2. Fraud Alerts : I have placed fraud alerts on my credit reports with all major credit bureaus to safeguard my identity and credit history.

3. Identity Theft Recovery Steps : I have also filed an Identity Theft Affidavit through the FTC and submitted a police report regarding this issue.

Resolution Requested I am requesting the CFPB to : 1. Investigate Equifaxs mishandling of my credit information.

2. Ensure that Equifax removes all fraudulent or inaccurate entries from my credit report.

3. Hold Equifax accountable for their negligence and prevent similar occurrences in the future.

Supporting Documentation To support my claim, I have attached the following documents : Copies of my correspondence with Equifax regarding my disputes.

A copy of the FTC Identity Theft Affidavit.

A copy of the police report I filed.

Copies of my credit report highlighting the fraudulent or inaccurate information.

I respectfully request your assistance in resolving this matter promptly. Please let me know if additional information or documentation is required. I can be reached at XXXX or XXXX. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Late payment report on ; XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: U.S. BANCORP
State: MO

Complaint narrative:
US Bank Home Mortgage, paid XXXX XXXX Homeowners insurance twice in year XXXX. Once in XX/XX/XXXX and again in XX/XX/XXXX. The XX/XX/XXXX payment was for the upcoming XXXX homeowners insurance coverage due XX/XX/XXXX. By making these XXXX insurance payments in the same XXXX calendar year, this completely changed the Escrow balance. So, instead of having a {$1600.00} Escrow balance for the year XXXX it is now down to a {$200.00} balance. This creates a domino effect by creating an Escrow shortage for XXXX and an increased monthly mortgage payment, along with US Bank Mortgage requesting additional funds for the XXXX Escrow shortage. This complaint fell on deaf ears with the US Bank Mortgage Dept. and the US Bank Escrow Dept. I feel this is a mistake made by US Bank and I should not be forced to come up with more funds to correct their mistake. If this is not corrected this time it will happen again for XXXX. Thank you for any assistance you could provide. 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 non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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 led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit card accounts opened with XXXX  XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX  XXXX on XX/XX/XXXX. These accounts have resulted in several fraudulent collections such as XXXX XXXX XXXX on XXXX XXXX, XXXX XXXX XXXX  on XX/XX/XXXX, and XX/XX/XXXX appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts or collections as reported. The aforementioned accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, and collections are the result of identity theft and fraud.

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 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL

Complaint narrative:
Received a phone call from XXXX and associates out of XXXX XXXX, California stating that I have a credit card debt for almost {$6000.00} and to settle out for XXXX. I checked my credit report and I have no file or record of the account they are talking about they are threatening to subpoena me, but I don't have any records of What they are talking about. I'm thinking that they are trying to scam me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
PLEASE REMOVE THEM upon reviewing my credit report, i discovered several unauthorized hard inquiries that i did not recognize. i contacted TransUnion to dispute these hard inquiries and requested removal. unfortunately TransUnion refused to remove them off my repport this issue is causing undue stress and is negatively affecting my financial standing. 

INQUIRIES : DATES : XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX. XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX VIA DEALER. XX/XX/year> XXXX XXXX XXXX XXXX XXXX XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX I visited a branch and deposited {$3400.00} through an atm because the bank was closed at the time I got there. the atm machine had an error. the complete deposit stated that I only deposited XXXX cents. Quickly I called the bank and they ask me what happened, so I explained. The atm took my money and didn't credit me. I files a dispute and a credit was given while investigation was in progress. Today XX/XX/XXXX I received a letter stating that funds will be reversed and that I only deposited {$10.00} on that day but the receipt clearly shows {$0.00}. with an already balance of {$66.00} before I tried to deposit the amount. The money they gave me for provisional credit was money that was suppose to pay my bills. But due to the incident I had to withdraw manually and pay my bills. Wellsfargo is practicing bad business. The machine took my money but all of a sudden they are telling me basically that I never deposit the amount I did. which the machine malfunction from the large quantity of bills I inserted. I can't afford to owe them any money which I rightfully deposited but there machine didn't record my amount. I shouldn't be held responsible. Now its schedule to be reversed and I as a customer will be in the negative with my account because wellsfargo machine had an error

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 2025-01-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
ACCOUNT NUMBERXXXX AMOUNT BALANCE : {$410.00} To Whom It May Concern : I am writing in reference to the collection account reported on my credit file associated with the account number mentioned above. This account is negatively impacting my credit profile, and I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) to request validation of this debt and to demand that you cease all communication with me regarding this matter. Pursuant to 15 U.S.C. 1692g, I request that you provide the following information to validate this debt : 1. The name and address of the original creditor.

2. A copy of the signed agreement or contract that allegedly obligates me to pay this debt.

3. A complete account history, including all charges, payments, and credits applied to the alleged debt.

4. Documentation showing that you have the legal right to collect on this debt.

Until this information is provided, I demand that this collection account be removed from my credit report as reporting inaccurate or unverifiable information violates 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681s-2 ( a ). Additionally, under 15 U.S.C. 1692c ( c ), you are hereby notified to cease and desist all communication with me regarding this matter. Any further attempts to contact me will be considered a violation of federal law. 

I expect written confirmation that this collection account has been removed from my credit report and that you have ceased all collection efforts. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-01-27 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 Search failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating that 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. 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 2025-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: FL

Complaint narrative:
Date : XX/XX/2025 Jefferson Capital Systems LLC XXXX XXXX XXXX XXXX XXXX, MN XXXX Subject : Cease and Desist Demand Regarding Account Number XXXX To Whom It May Concern, I am writing to formally notify you that I demand that all communications and collection activities related to the account referenced above ( Account Number : XXXX ) cease immediately. This includes any and all attempts to contact me via phone, mail, email, or any other method of communication. 

I believe that the debt you are attempting to collect may be either invalid, erroneous, or outside of any legal collection period, and I request that you provide the following documentation as proof of the validity of the debt : A detailed statement of the account, including a breakdown of the amount owed. 
A copy of any signed agreement or contract related to the debt. 
Proof that you have legal authority to collect this debt in my jurisdiction. 
If you continue to attempt to collect this debt without providing the requested information or if you disregard this demand, I will take appropriate legal action to protect my rights. This may include filing complaints with relevant consumer protection agencies, such as the Federal Trade Commission ( FTC ) or the Consumer Financial Protection Bureau ( CFPB ), as well as pursuing legal action for harassment or violations of the Fair Debt Collection Practices Act ( FDCPA ). 

Please consider this letter a formal cease and desist request. I expect no further contact regarding this matter unless you can provide the aforementioned documentation. If you are required by law to report this debt to credit agencies, I request that you cease reporting until you have fully provided the requested proof. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: DE

Complaint narrative:
I called the law firm to provide me wet signature between me and the original creditor also to verify the account and to send me original statements from the creditors

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
We are defending Foreclosure in XXXX XXXX NJ XXXX vs XXXX XXXX  XXXX XXXX for XXXX XXXX XXXX XXXX XXXX Plaintiff & their debt collector XXXX firm XXXX XXXX XXXX XXXX 
The Plaintiff is now trying to use a page from the XXXX XXXX modification regarding Errors & Omissions, see attachment, as a basis to reform mortgage without a mutual mistake as required. 
Rushmore Loan Management who became Rushmore Servicing aka Nationstar LLC mailed a letter that the Errors & Omissions page can not & will not be used in any future proceedings and can be ignored as invalid by Rushmore.

We are asking CFPB to demand Rushmore 1. Provide that letter to both XXXX and the NJ XXXX XXXX for XXXX so the Judge is fully made aware that the Plaintiff & debt collector XXXX  firm, are breaching the words and terms of that letter and the modification and can not use as any exhibits or motions in Foreclosure case. 

We need CFPB to demand Rushmore produce this letter within the next 10 business days at email XXXX & hard copy mail address XXXX XXXX XXXX XXXX XXXX NJ XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
ACCOUNT NUMBER:XXXX AMOUNT BALANCE : {$190.00} To Whom It May Concern : I am writing in reference to the collection account reported on my credit file associated with the account number mentioned above. This account is negatively impacting my credit profile, and I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) to request validation of this debt and to demand that you cease all communication with me regarding this matter. Pursuant to 15 U.S.C. 1692g, I request that you provide the following information to validate this debt : 1. The name and address of the original creditor.

2. A copy of the signed agreement or contract that allegedly obligates me to pay this debt.

3. A complete account history, including all charges, payments, and credits applied to the alleged debt.

4. Documentation showing that you have the legal right to collect on this debt.

Until this information is provided, I demand that this collection account be removed from my credit report as reporting inaccurate or unverifiable information violates 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681s-2 ( a ). Additionally, under 15 U.S.C. 1692c ( c ), you are hereby notified to cease and desist all communication with me regarding this matter. Any further attempts to contact me will be considered a violation of federal law. 

I expect written confirmation that this collection account has been removed from my credit report and that you have ceased all collection efforts. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-01-27 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Having reviewed my most recent credit report, I noticed an error that does not match the documentation I have. This discrepancy could lead to misunderstandings or inaccuracies in assessing my creditworthiness, which I would like to avoid. Please take the time to carefully investigate this issue and correct it as needed. I value your assistance in ensuring the accuracy of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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