vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-15 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:
XXXX XXXX XXXX XXXX ( Case XXXX ) I have been impacted by XXXX, ( ID XXXX XXXX ), my SSN being used as a personal gain. I have reported the criminal activity to the appropriate authorities. My file keeps showing over time FCRA violations : Late Payments : 15 USC 1681 a ( 2Xi ), 15 USC 1681 ; Permissible Purpose : 15 USC 1681b ; Reinsertion Deleted Items : 15 USC 1681i ( 5 ) ( b ) Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 ; Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) ; Verification : 15 USC 1681i ( 7 ) I am complaining about the handling of my identity theft claim, and to bring to your attention the impermissible access of my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ). I have discovered that the fraudulent account had been opened in my name without my knowledge or consent. However, there is no legal admissible evidence to verify the accuracy. I am requesting the fraudulent items are removed immediately : XXXX XXXX XXXX : Opened : XXXX : {$6300.00} XXXX XXXX  : Opened : XXXX : {$640.00} XXXX XXXX  : Opened : XXXX : {$1700.00} XXXX XXXX  : Opened : XXXX : {$230.00} XXXX XXXX XXXX XXXX XXXX : XXXX : {$820.00} XXXX XXXX XXXX XXXX XXXX : XXXX : {$520.00} XXXX XXXX XXXX XXXX XXXX : XXXX : {$96.00} XXXX XXXX XXXX XXXX XXXX : XXXX : {$90.00} After discovering this unauthorized activity and receiving mail about these erroneous collections, I took steps to protect my credit files and identity to prevent more damages.

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 2025-02-15 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: NJ

Complaint narrative:
I am reaching out to formally request the immediate removal of an account listed on my credit report that is not only inaccurate but is currently involved in pending litigation. This account does not reflect the reality of my financial situation and is, in fact, a matter of legal dispute at this time. 

As you are likely aware, accounts involved in litigation should not be represented in the same manner as accounts that have been settled or closed. The inclusion of this account is both misleading and harmful to my credit report, and I am taking legal action to resolve the matter. Given the ongoing litigation, it is critical that this account be removed from my credit report immediately to prevent further harm to my credit score and financial reputation.

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 2025-02-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc.
State: DC

Complaint narrative:
I placed an XXXX XXXX  delivery order from " XXXX XXXX  '' for {$27.00} on XX/XX/year> at XXXX. I paid with my Cash App card and never received the order as the restaurant told me that it was stolen and that XXXX XXXX  needed to dispatch the order once more. Thus, I was surprised when a delivery person delivered a XXXX order for a " XXXX XXXX '' shortly after. I have filed XXXX Cash App disputes ( with documentation of what I ordered, what I received, my communication with XXXX XXXX, and XXXX XXXX  ' refusal to refund me ) to get my money back as of the submission of this complaint and have yet to be refunded. Cash App also closed my account after I filed my initial dispute on XX/XX/XXXX, claiming that I violated their terms of service but have not been able and/or willing to tell me how and reopen my longstanding account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: MO

Complaint narrative:
I did not authorise Ally to run my credit over and over every few days. Ally hard inquiries need to be removed from all three credit agencies immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: MI

Complaint narrative:
They aren't investigating my disputes at all. They refuse to investigate them. 
I have sent multiple police reports and cfpb fraud affidavits concerning all Department of Education XXXX accounts for years. They will not investigate my disputes. They only quickly say verified. Now their are accounts that say XXXX. I have no accounts with them. You cant verify fraud. You cant verify accounts that arent mines. I have sent multiple account disputes concerning these student loans. I have no student loans. Ill keep disputing these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: MI

Complaint narrative:
They aren't investigating my disputes at all. They refuse to investigate them. 
I have sent multiple police reports and cfpb fraud affidavits concerning all Department of Education XXXX accounts for years. They will not investigate my disputes. They only quickly say verified. Now their are accounts that say XXXX. I have no accounts with them. You cant verify fraud. You cant verify accounts that arent mines. I have sent multiple account disputes concerning these student loans. I have no student loans. Ill keep disputing these accounts.

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 2025-02-15 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX, GA XXXX Subject : Dispute of Late Payment on My Credit Report Under 15 U.S.C. 1681c ( a ) To Whom It May Concern, I am writing to formally dispute a late payment that appears on my credit report with Equifax. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c ( a ), outdated and incorrect negative information should not be reported on my credit history.

I hereby formally request that Equifax verify and remove the inaccurate late payment entry from my credit history if it does not comply with the legal reporting timeframe.

Additionally, I believe that the reporting of this late payment violates multiple consumer protection laws, including : 15 U.S. Code 6801 : Protection of personal information.

15 U.S. Code 6802 : Obligations regarding the disclosure of personal information.

15 U.S. Code 6803 : Disclosure of privacy policies.

15 U.S. Code 1681e ( b ) : Accuracy of credit reports.

15 U.S. Code 1681a ( d ) ( 2 ) : Exclusion of certain transactions from credit reports.

18 U.S. Code 1028A : Aggravated identity theft.

I urge you to initiate an investigation under the Fair Credit Reporting Act ( FCRA ) and notify me of the resolution of this dispute within the legally required timeframe. Please provide a written response confirming the removal of this late payment from my report or supplying the required documentation validating its accuracy.

I am attaching a copy of my identification and my credit report with the disputed late payment highlighted for your reference.

I appreciate your prompt attention to this matter and expect your response within the 30-day legal period. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX, GA XXXX Subject : Dispute of Late Payment on My Credit Report Under 15 U.S.C. 1681c ( a ) To Whom It May Concern, I am writing to formally dispute a late payment that appears on my credit report with Equifax. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c ( a ), outdated and incorrect negative information should not be reported on my credit history.

I hereby formally request that Equifax verify and remove the inaccurate late payment entry from my credit history if it does not comply with the legal reporting timeframe.

Additionally, I believe that the reporting of this late payment violates multiple consumer protection laws, including : 15 U.S. Code 6801 : Protection of personal information.

15 U.S. Code 6802 : Obligations regarding the disclosure of personal information.

15 U.S. Code 6803 : Disclosure of privacy policies.

15 U.S. Code 1681e ( b ) : Accuracy of credit reports.

15 U.S. Code 1681a ( d ) ( 2 ) : Exclusion of certain transactions from credit reports.

18 U.S. Code 1028A : Aggravated identity theft.

I urge you to initiate an investigation under the Fair Credit Reporting Act ( FCRA ) and notify me of the resolution of this dispute within the legally required timeframe. Please provide a written response confirming the removal of this late payment from my report or supplying the required documentation validating its accuracy.

I am attaching a copy of my identification and my credit report with the disputed late payment highlighted for your reference.

I appreciate your prompt attention to this matter and expect your response within the 30-day legal period. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 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:
My SSN has been used as a personal gain. 
have reported the criminal activity to the appropriate authorities. My file keeps showing over time FCRA violations : Late Payments : 15 USC 1681 a ( 2Xi ), 15 USC 1681 ; Permissible Purpose : 15 USC 1681b ; Reinsertion Deleted Items : 15 USC 1681i ( 5 ) ( b ) Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 ; Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) ; Verification : 15 USC 1681i ( 7 ) I am requesting the fraudulent items are removed immediately : XXXX. XXXX XXXX- $ XXXX : XX/XX/XXXX XXXX XXXX XXXX $ XXXX : XX/XX/XXXX XXXX. XXXX : $ XXXX : XX/XX/XXXX XXXX. XXXX XXXX : {$4700.00} : XXXX? 

Unauthorized Inquiries : XXXX XXXX  : XX/XX/XXXX ; XXXX XXXX : XX/XX/XXXX ; XXXX XXXX  : XX/XX/XXXX ; XXXX XXXX : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XXXX XXXX XXXX : XX/XX/XXXX After discovering this unauthorized activity and receiving mail about these erroneous collections, I took steps to protect my credit files and identity to prevent more damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
Portfolio Recovery has been calling up to 8 times a day from different numbers each time. They did not have all the information reqiured on the debt validation letter, so all they do is call and call and call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it. 
XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX  Inquiry Date XX/XX/XXXX, XXXX XXXX  Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX  Inquiry Date XX/XX/XXXX, XXXX  Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry XXXX XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX  Inquiry Date XX/XX/XXXX, XXXX XXXX  Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX XXXX XXXXXXXX Inquiry Date 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 explanation
Consumer complaint received 2025-02-15 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX DC XXXX Subject : Formal Dispute Request for Removal of Inaccurate Information from My Credit Report Dear CFPB Representative, I hope this letter finds you well. I am reaching out for your assistance in resolving an issue with my credit report that I have attempted to address directly with the credit bureaus, but have not been successful in obtaining a proper resolution. Specifically, I am requesting the removal of inaccurate or outdated information that is negatively impacting my credit profile. The information in question pertains to the account below based on the following legal grounds : Account Disputed XX/XX/year> : Original creditor Company : LVNV FUNDING LLC Amount : {$2500.00} Remarks : Placed for collection Account information disputed by consumer Account information disputed by consumer FCRA XXXX ( a ) ( XXXX ) : Credit bureaus are required to delete or correct information that can not be verified as accurate. Despite my previous dispute, the listed account ( XXXX ) remain on my report without sufficient verification. 
FCRA XXXX ( b ) : Creditors and debt collectors must investigate disputed information and remove any inaccuracies. However, I have not received proper validation of this account, and it should therefore be removed. 
FCRA XXXX ( a ) ( XXXX ) & ( a ) ( XXXX ) : If this account is related to a collection or charge-off, it should not be reported beyond XXXX years from the date of first delinquency. If it exceeds this time frame, it must be removed immediately. 
FDCPA XXXX ( XXXX ) : Reporting false or misleading information to credit bureaus violates federal law. If this account is incorrect or unverifiable, it should no longer be reported. 
FDCPA XXXX ( b ) : If this debt was not properly validated upon request, it should not have been reported at all. 
Given the legal protections under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I kindly request that the CFPB assist in ensuring the proper investigation and removal of this account from my credit report. 

To support my claim, I have attached a copy of my credit report with the disputed item highlighted, previous dispute letters, and any supporting documentation. I would appreciate a prompt review of this matter and a written confirmation once the issue has been resolved. 

Thank you for your time and assistance. I truly appreciate your help in ensuring my credit report reflects only accurate and fair information. Please feel free to reach out if any additional information is needed. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: NV

Complaint narrative:
I am reaching out to formally request the immediate removal of an account listed on my credit report that is not only inaccurate but is currently involved in pending litigation. This account does not reflect the reality of my financial situation and is, in fact, a matter of legal dispute at this time. 

As you are likely aware, accounts involved in litigation should not be represented in the same manner as accounts that have been settled or closed. The inclusion of this account is both misleading and harmful to my credit report, and I am taking legal action to resolve the matter. Given the ongoing litigation, it is critical that this account be removed from my credit report immediately to prevent further harm to my credit score and financial reputation.

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 2025-02-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
This is complaint XXXX of XXXX complaints against Freedom Mortgage company ( Escrow insurance ). 
XX/XX/year> I received a letter from my Mortgage company saying I am underinsured on my Insurance coverage. The mortgage company is saying the replacement cost is underinsured. They are tacking on {$130.00} to my mortgage. 
XX/XX/year> I responded with my insurance company information stating my policy is an XXXX  at 100 % replacement cost. 
XX/XX/year> The Mortgage company continues to say I will have to pay the {$130.00} and not acknowledge that my policy is not a divide by units in the building policy ( or at least that is how I understand what they are saying ). I want them to explain to me why my coverage is not enough as my Master Policy Insurance people are saying it is and that I meet the requirements the mortgage company is claiming I do not meet. 

This is complaint XXXX of XXXX against Freedom Mortgage Company ( Erroneous Escrow Analysis ) 2025 Escrow analysis on my account as of XX/XX/year> : This information is false and Freedom Mortgage claims I have an Escrow Shortage of {$600.00}.

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 2025-02-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Selene Holdings LLC
State: MI

Complaint narrative:
My mortgage was transferred to Selene Finance on XX/XX/25. I had an auto draft scheduled with my previous servicer for XX/XX/25, which they mistakenly cancelled. I called Selene Finance daily and was finally able to make my XXXX payment over the phone on XX/XX/25. Since then, they have not processed the payment and are showing me 45 days late. I have called them daily and have been told each time that the payment would be applied the next day. They are deliberately not applying payment that is already with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: NC

Complaint narrative:
My SSN has been used as a personal gain. 
have reported the criminal activity to the appropriate authorities. My file keeps showing over time FCRA violations : Late Payments : 15 USC 1681 a ( 2Xi ), 15 USC 1681 ; Permissible Purpose : 15 USC 1681b ; Reinsertion Deleted Items : 15 USC 1681i ( 5 ) ( b ) Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 ; Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) ; Verification : 15 USC 1681i ( 7 ) I am requesting the fraudulent items are removed immediately : XXXX. XXXX XXXX- $ XXXX : XX/XX/XXXX XXXX XXXX XXXX $ XXXX : XX/XX/XXXX XXXX. XXXX : $ XXXX : XX/XX/XXXX XXXX. XXXX XXXX : {$4700.00} : XXXX? 

Unauthorized Inquiries : XXXX XXXX  : XX/XX/XXXX ; XXXX XXXX  : XX/XX/XXXX ; XXXX XXXX  : XX/XX/XXXX ; XXXX XXXX : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XXXX XXXX XXXX : XX/XX/XXXX After discovering this unauthorized activity and receiving mail about these erroneous collections, I took steps to protect my credit files and identity to prevent more damages.

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