vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-06 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: GA

Complaint narrative:
WELL I CHECKED CREDIT REPORT BECAUSE I WAS BUYING A NEW CAR AND THATS WHEN I NOTICED ACCOUNTS THAT DIDN'T BELONG TO ME SO I SUBMITTED AND FTC IDENTITY THEFT REPORT ALONG WITH MY SUPPORTING DOCUMENTS AND THEY HAVE FAILED TO REMOVED IT. I HAVE ALSO ASKED THE COLLECTION AGENCIES FOR THE FORWARD FLOW AGREEMNET TO EVEN PROVE THAT ITS MY DEBT OR IF THEY EVEN HAVE THE RIGHT TO COLLECT ON THE DEBT.

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 2025-02-06 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: GA

Complaint narrative:
WELL I CHECKED CREDIT REPORT BECAUSE I WAS BUYING A NEW CAR AND THATS WHEN I NOTICED ACCOUNTS THAT DIDN'T BELONG TO ME SO I SUBMITTED AND FTC IDENTITY THEFT REPORT ALONG WITH MY SUPPORTING DOCUMENTS AND THEY HAVE FAILED TO REMOVED IT. I HAVE ALSO ASKED THE COLLECTION AGENCIES FOR THE FORWARD FLOW AGREEMNET TO EVEN PROVE THAT ITS MY DEBT OR IF THEY EVEN HAVE THE RIGHT TO COLLECT ON THE DEBT.

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 2025-02-06 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: NC

Complaint narrative:
I am writing to file a complaint against Experian for failing to comply with the requirements set forth in the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i ( 5 ), and 15 USC 1681c ( c ). I have attempted multiple times to resolve inaccuracies on my credit report through formal dispute letters, but Experian has failed to adequately investigate and correct these errors. 
I have read about the recent lawsuit filed by the CFPB against Experian for sham investigations into consumer disputes and re-inserting incorrect information into consumer credit reports. Based on this lawsuit and my personal experience, I believe that Experians actions are in violation of the FCRA, and their failure to properly investigate and address the inaccuracies on my credit report is causing significant harm.

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 2025-02-06 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: NC

Complaint narrative:
I am writing to file a complaint against Experian for failing to comply with the requirements set forth in the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i ( 5 ), and 15 USC 1681c ( c ). I have attempted multiple times to resolve inaccuracies on my credit report through formal dispute letters, but Experian has failed to adequately investigate and correct these errors. 
I have read about the recent lawsuit filed by the CFPB against Experian for sham investigations into consumer disputes and re-inserting incorrect information into consumer credit reports. Based on this lawsuit and my personal experience, I believe that Experians actions are in violation of the FCRA, and their failure to properly investigate and address the inaccuracies on my credit report is causing significant harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Please remove this item from my credit report it is illegal to report information on my credit without my permission according to FCRA Section 605B

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
I received a copy of my credit report and found the following personal information to be in error :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: LEXISNEXIS
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX Date : XX/XX/year> To : LexisNexis Risk Solutions XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to Update Public Records with Phone Number Dear LexisNexis Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: AZ

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 non-monetary relief
Consumer complaint received 2025-02-06 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX 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 2025-02-06 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX, NewRez informed me I was required to carry flood insurance and had 45 days to obtain coverage. However, they charged my escrow for lender-placed flood insurance retroactive to XX/XX/XXXX, XXXX I was even notified. I provided an HOA master flood policy effective XX/XX/XXXX and also obtained a separate policy of my own active from XX/XX/XXXX ( active hurricane season did not allow me to get one sooner ). Despite this, NewRez keeps insisting I owe for lender-placed coverage dating back to XX/XX/XXXX. 

They issued only a partial refund without explaining how they calculated it. Ive asked for either a full refund or a detailed breakdown of these charges, but they have not responded. I believe this violates the 45-day notification rule for force-placed flood insurance. I am requesting CFPB assistance in getting a full refund or a proper explanation, including any legal basis for backdating these charges to XX/XX/XXXX. 

Additionally, my latest escrow analysis shows Newrez is deducting the ENTIRE CONDO BUILDING flood policy from my escrow which is raising my mortgage significantly and shows I am in deficit. I need this corrected ASAP please. 

As seen on their website : XXXX XXXX XXXX  XXXX XXXX XXXX {$3000.00} XX/XX/XXXX {$180000.00} 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 2025-02-06 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: TX

Complaint narrative:
THEY ARE CONTINUING TO REPORT FRAUDULENT ACCOUNTS ON MY CREDIT REPORT EVEN AFTER BEING NOTIFIED.

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 2025-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redres for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
I made several purchases from XXXX ( XXXX XXXX XXXX XXXX ) using PayPal, relying on PayPals Buyer Protection Policy for security. When I encountered issues with my purchases, I followed PayPals dispute resolution process, but PayPal engaged in the following misconduct : 1. Facilitated Merchant Retaliation After filing a legitimate dispute, XXXX banned my account, preventing access to previous purchases. 
This was retaliation for using PayPals dispute system, and PayPal refused to intervene despite multiple reports.

2. Unfairly Denied My Dispute PayPal denied my claim, allowing the merchant to retain my funds while barring me from accessing my purchases.

This contradicts PayPals Buyer Protection Policy and violates 15 U.S.C. 1666 ( Fair Credit Billing Act ).

3. Allowed Harassment & Coercion G2G sent multiple emails pressuring me to drop the dispute in exchange for access to prior purchases.

PayPal refused to take action, violating 15 U.S.C. 45 ( FTC Act ), which prohibits unfair trade practices. 
4. Misrepresented Buyer Protection Policy PayPal falsely claimed that it does not intervene in merchant account bans, contradicting its own policy that buyers are entitled to a refund if they can not access their purchase.

This is false advertising and deceptive trade practices under 15 U.S.C. 45.

5. Pattern of Consumer Harm & Prior Violations PayPal has a documented history of shielding fraudulent merchants and denying valid consumer claims.

In 2015, PayPal was fined {$25.00} XXXX by the CFPB for deceptive dispute practices. 
This establishes a pattern of misconduct warranting regulatory enforcement. 

Legal Violations : PayPals actions constitute violations of multiple federal consumer protection laws, including : 15 U.S.C. 45 ( FTC Act ) Prohibiting unfair and deceptive trade practices.

15 U.S.C. 1666 ( Fair Credit Billing Act ) Requires financial intermediaries to fairly investigate disputes.

15 U.S.C. 1693 ( Electronic Fund Transfer Act ) Mandates fair transaction processing. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( 9th Cir. 2018 ) Payment processors can not enable merchant fraud. 
XXXX v. XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ) Failure to enforce consumer protection policies is deceptive and unlawful. 

Requested CFPB Action : 1. Investigate PayPals Dispute Handling Practices Examine how PayPal denies valid disputes and enables merchant retaliation.

2. Issue Financial Penalties Fine PayPal under 15 U.S.C. 45 for deceptive practices.

3. Mandate Policy Reforms Require PayPal to prohibit seller retaliation, enforce fair disputes, and ensure policy compliance. 
4. Issue a Consumer Advisory Warning Warn consumers that PayPal fails to enforce Buyer Protection and allows merchants to retaliate against disputes.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-07 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence XXXX. v XXXXXXXX XXXX XXXX ) XXXX XXXX | Presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX {$1400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
PennyMac who holds our mortgage sent out two insurance checks in XX/XX/2024, one to our current insurance company and one to XXXX XXXX for {$5500.00} who we canceled. XXXX sent back a refund check directly to Pennymac on XX/XX/2024 for the {$5500.00} and the check was cashed by Pennymac on XX/XX/2024. The refund never showed up into our account or escrow for the refund. Now our escrow account is short and we have a {$320.00} mo. higher morgage payment bc of the shortage. Pennymac is stating that a refund check should have been sent directly to me and deposited. XXXX has sent me a copy of the refund check that was mailed for the exact amount that Pennymac is stating was never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: OR

Complaint narrative:
I have a catastrophic " Comprehensive '' homeowners insurance policy. It covers FLOOD, fire, wind, hail, water damage related to emergency, earthquakes and earthquakes caused by volcanic eruptions. I have had the same insurance carrier for this coverage since XXXX. NewRez after their XX/XX/XXXX Annual Escrow review decided to Force-Place Flood Insurance disregarding the sufficiency of demonstration of having private flood insurance and that/those insurance declarations and riders. I have not received notice of increase mortgage payment in accordance with the National Flood Insurance Act of 1968, RESPA, or the Fair Debt Collection Act. I have also not received the XXXX Payment Statement so I can mail in the proper mortgage payment

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 2025-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NE

Complaint narrative:
am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: Westlake Services, LLC
State: CA

Complaint narrative:
This is on my credit as a charge off and I'm requesting a 1099c from the company west lake financial, Now it's under XXXX XXXX XXXX XXXX who I don't know who they are and never had a contract with.

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 2025-02-06 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:
incorrect information that does not belong to me, was not verified when requested or obtained illegally. Will not remove from my 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 2025-02-06 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:
incorrect information that does not belong to me, was not verified when requested or obtained illegally. Will not remove from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: IL

Complaint narrative:
The company Is reporting pass due payments when I have always made onetime payments as agreed. 
Latest report is that account is 60 plus days pass due when payment was just processed this pass month along with the last.

When I call no one can explain why there is negative reporting, the account is reporting open ( when I requested in writing that it was closed and that no payment has been received.

This is false reporting.

Please delete this information from my account

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 2025-02-06 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: IL

Complaint narrative:
The company Is reporting pass due payments when I have always made onetime payments as agreed.

Latest report is that account is 60 plus days pass due when payment was just processed this pass month along with the last.

When I call no one can explain why there is negative reporting, the account is reporting open ( when I requested in writing that it was closed and that no payment has been received.

This is false reporting.

Please delete this information from my account

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 2025-02-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
My original XX/XX/XXXX was withXX/XX/XXXX and was transferred to Shellpoint. Upon transfer a {$99.00} fee appeared I was never aware of. I contacted the company and after they researched it, I was emailed XX/XX/XXXX that the fee was from the prior servicer ( SLS ) and had been waived as of XX/XX/XXXX. The fee continued to show on all my statements thereafter. I called Shellpoint XXXX/XXXX and was told they would escalate it to a manager to remove it from the website and my statements. That did not happen. I called again XX/XX/XXXX, spoke to XXXX who again said would escalate it to manager to remove it from the account within 24 hours. It did not happen. I called again XX/XX/XXXX spoke to XXXX who said the same. I asked for manager and spoke to XXXX XXXX who said they don't know how to remove it and she has to contact prior boarding to find the right pathway to remove it. This is now over 100 days of excess interest charged to me, because of this fee, I can not pay extra principal payments on theXX/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 explanation