vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-07 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: NC

Complaint narrative:
Account Name : XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Amount in Dispute : {$1600.00} Dear Credit Bureau , I am writing to formally dispute the collection account listed on my credit report under the account number XXXX, which reflects a balance of {$1600.00}. Under the CFPB 's amended Regulation V implementing the Fair Credit Reporting Act ( FCRA ), medical debt information is prohibited from being included on credit reports provided to lenders. 
Additionally, lenders are barred from considering such information in lending decisions. 
The continued reporting of this collection account directly violates the amended regulation. This account represents a medical debt, and its inclusion on my credit report contravenes the legal protections now in place to prevent the misuse of medical debt information. 

In accordance with these legal standards, I kindly request the immediate removal of this collection account from my credit report. Please investigate this matter promptly and provide me with a written response indicating the actions taken. If this account can not be verified or its inclusion justified under current law, I expect its deletion. 
Thank you for your attention to this urgent matter. I look forward to your response within the 30-day period allowed by law.

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 2025-04-07 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$710.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$2800.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2025-04-07 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: WI

Complaint narrative:
I have multiple complaints. 

XXXX - the automated phone system they use is impossible to get through XXXX XXXX XXXX on average trying to click the right numbers to talk to someone : Either the right options are not present, they put you in a self serve mode or you hit a dead end. Ther is no easy way to talk to someone. You have to try many routes to find a place where you can finally get connected. It's cumbersome clearly on purpose to have people not talk to real people, but it's impossible to use. WhichI have used many times this month to cleare up issues. 

XXXX. Sending letters is error that need me to take action on, then after XXXX mins of trying to online chat ( to avoid the phone tree ) and not resolving my issues and saying I need to call a different number, then having to use thier phone tree again - where they then look up my account and tell me the letter was in error. 

XXXX. Escow and taxes issues - Many times they have not paid my taxes on time where i recived letters of fines/penalties from the state/county - which I then have to go do work to figure out what is happenign with my account - and then how do I do that- you guessed it, I haver to call in and try and navigate the phone tree again. 

In addition, constantly evolving monthly mortgage from {$1100.00} to {$1600.00} and in between the mortgage amount jumps/changes yearly because they either did not take out enough taxes or then took out to much. A {$500.00} jump isn't easy to swing unexpectedly.

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 2025-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
When I first opened my account with Chase I didn't have an ITIN so I opened it with my two foreign passports however now I was assigned an ITIN and I would like for that to be added to my account. Not having an ITIN on file is making it hard to apply for credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: NC

Complaint narrative:
On XX/XX/year>, while I was in the Hair Salon in my city, I got a text message from Chime Banking asking me if I was trying to use my XXXX XXXXXXXX XXXX for {$1500.00}. I replied no and was told someone would contact me about the transaction and closing this account. A gentleman named XXXX XXXX, who stated that he was with Chime XXXX XXXX, called me and stated that someone named XXXX was in XXXXXXXX XXXX, trying to use my account at XXXX XXXX through XXXX I informed him that I did not know any XXXX and that I wasn't in XXXX. He later informed me that he would lock my account and get me a new card so that my money would be safe. He continued to explain to me that he was locking my account and that he had successfully locked XXXX out of my account then he hung up, and my money was gone. I immediately called Chime back and explained to them what had happened, and I was informed that due to the pending hold on the account, they could not do anything at that time. However, I was instructed to keep an eye on my account and that the money could be put back in my account as soon as the XXXX of XXXX. I checked my account all day on the XXXX of XXXX, and at XXXX pm, before I went to bed, I checked it again, and the pending hold was still there. At XXXX on the XXXX of XXXX, I checked it, and the hold was off, and my money was gone. I filed a dispute on the XXXX of XXXX at XXXX am and was told I would hear something in XXXX days. On XX/XX/XXXX I called and spoke to two gentlemen who assured me that they were expediting me out a new card, my credit builder account was closed, and that the money would be on the card that they sent out in XXXX business days. On XX/XX/XXXX, I received an email from Chime stating that they found no error on their end and that I had to pay for that transaction, which meant that the XXXX XXXX got to keep my money. I immediately filed another dispute and was told by XXXX, a supervisor of Chime, that she would be handling this one personally. I got an email on XX/XX/XXXX saying the same thing. I talked to XXXX on XX/XX/XXXX and was told that even though I didn't have any cards connected to my XXXXXXXX XXXX, all the person needed to do was make a transaction without having my physical card or card numbers. I was told by XXXX that all the bank has to do is authorize the transaction and release the money, and that is what happened. I only want my money back because I don't have money to give away. I will say that one of the uploads has me saying yes to a transaction. However, XXXX XXXX told me that Chime was sending me a bogus transaction to see if they had successfully locked XXXX out of my account. I was also told on the XXXX of XXXX that XXXX XXXX had been suspended because he didn't successfully lock my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: FL

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am filing this complaint due to multiple inaccuracies in how [ Insert Lender Name ] is reporting a charged-off account on my credit report. These errors have had a negative impact on my credit profile and may violate the Fair Credit Reporting Act ( FCRA ). The following issues have been identified : XXXX. Incorrect Balance Reporting After Charge-Off The account is listed as Charged Off but continues to show an outstanding balance. If this debt was sold, the original creditor should report a {$0.00} balance. The current reporting is misleading and may be unlawful. 
XXXX. Inaccurate Payment History ( XXXX Late After On-Time Payments ) A XXXX delinquency is being reported in [ Insert Month/Year ], despite several consecutive months of on-time payments prior to this. This inconsistency raises questions about the accuracy and reliability of the payment history. 
XXXX. Duplicate XXXX Late Payments in Consecutive Months The credit report reflects XXXX late payments across two or more consecutive months, which is not accurate. A payment that remains unpaid should progress to XXXX  days late, not remain at XXXX. 
XXXX. Inconsistent Date Closed Among Credit Bureaus The Date Closed for this account varies depending on which bureau is reporting it. This inconsistency is problematic and suggests that the data being furnished is not uniform or accurate. 
XXXX. Repeated Monthly Reporting of Charge-Off Status The account is marked as Charged Off month after month in the payment history. A charge-off is a one-time event. Continuously reporting it as recurring misrepresents the account and causes unnecessary harm to my creditworthiness. 
XXXX. Failure to Issue a XXXX Tax Form After Charge-Off Despite the account being charged off or written off, I have not received a XXXX form from the creditor, which is typically issued when a debt is canceled or forgiven over {$600.00}. The absence of this form further calls into question the legitimacy and completeness of the accounts reporting.

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 2025-04-07 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: NY

Complaint narrative:
i recently review a copy of my credit report and notice i had fraudulent accounts on my report. i also was aware that i was a victim of XXXX data breach. please remove these accounts from my credit report. they are hurting my ability to obtain credit, being that i was recently released from XXXX I'm having a hard time finding stability. thank you

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 2025-04-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I am disputing a collection account reported by XXXX that is connected to an address I have never lived at. This is inaccurate personal information, and I have provided proof of my actual addresses in my XXXX profile. I submitted a dispute with XXXX directly and did not receive a resolution. This is negatively impacting my credit score and ability to obtain credit. I am requesting that XXXX immediately investigate and delete the collection account and all data associated with the inaccurate address from my report. 

This is a violation of the Fair Credit Reporting Act ( FCRA ), and I request the CFPBs help in holding XXXX accountable. 

Vehicle was repossessed and was enough to clear debt. I owe nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: TX

Complaint narrative:
In XX/XX/XXXX, I noticed several accounts and credit inquiries on my report that I did not authorize. These entries are the result of identity theft, and I had no involvement in opening or applying for any of them. 

The accounts in question are : XXXX XXXX XXXX Opened on XX/XX/XXXX XXXX XXXX XXXX Opened on XX/XX/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 XXXXXXXX Opened on XX/XX/XXXX XXXX XXXX XXXX  Opened on XX/XX/XXXX XXXX XXXX XXXX Opened on XX/XX/XXXX XXXX XXXX XXXX Opened on XX/XX/XXXX XXXX XXXX XXXX Opened on XX/XX/XXXX XXXX XXXX XXXX Opened on XX/XX/XXXX The following unauthorized credit inquiries were also made and should be eliminated from my credit report : XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/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 2025-04-07 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TransUnion Reporting Inaccurate Late Payments Immediate Correction Required XXXXXXXX XXXX - Account Number : XXXX - Past Due Amount : {$0.00} XXXXXXXX XXXX  - Account Number : XXXX - Balance & Past Due Amount : {$0.00} My credit report contains late payment remarks that I firmly believe are inaccurate and misleading. These false records are unfairly lowering my credit score and creating unnecessary financial roadblocks. I have always upheld my financial responsibilities, yet these errors persist. 

Under the FCRA, all reported information must be accurate and verifiable. If these remarks can not be substantiated with original, signed documentation, they must be removed at once. I expect immediate corrective actionany further delay will be considered deliberate noncompliance.

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 2025-04-07 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: TX

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over XXXX days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2025-04-07 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: MN

Complaint narrative:
The following accounts and hard inquiry currently listed on my Experian credit report are fraudulent and authorized accounts and a fraudulent and unauthorized hard inquiry : XXXX XXXXXXXX XXXX  XXXX, {$1200.00}, XXXX XXXX  {$390.00}, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$730.00} and XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX The accounts or hard inquiry doesnt belong to me. The accounts and hard inquiry is fraudulent and unauthorized. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/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 2025-04-07 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: TX

Complaint narrative:
I am filing a formal dispute regarding multiple violations of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I demand immediate correction and removal of the following inaccurate and unverified information from my credit report : 1. Invalid and Unverified Debt ( FDCPA Violations ) Under 15 U.S. Code 1692g, I am disputing the listed accounts as they have not been properly validated under the FDCPA. Your failure to provide legal validation means you can not report or collect on these accounts, and they must be removed immediately.

2. Incorrect Late Payment Remarks ( FCRA Violations ) Under 15 U.S. Code 1681s-2 ( a ) ( 1 ) and 15 U.S. Code 1666b, I am disputing inaccurate late payment remarks on the following accounts. These accounts were paid on time, and the false reporting of late payments is a violation of FCRA and TILA. I demand that these remarks be removed immediately to ensure the accuracy of my credit file. 


Additionally, I have already filed a formal complaint with the Federal Trade Commission ( FTC ) under Reference Number : XXXX regarding these violations. If this matter is not resolved promptly, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action to protect my rights. 

I expect a written response and correction within the legally required timeframe. Failure to comply may result in additional legal consequences.

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