vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I contacted XXXX ( via ) phone 1st 2nd attempt was by letter again requesting a 1099-C since as it states on my credit report that this account was listed as a charge off. In which by 15.u.c code 1681 ( e ), along with 15 u.s. code 1681 ( i ) states in particular that income can not be reported on a citizens credit report. Since a charge off is taxable and considered income it should not be reporting a negative 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 2025-02-08 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: FL

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity 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 2025-02-08 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) 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 2025-02-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
XXXX of 2024, I believe, the servicing of my XX/XX/XXXX was transferred from XX/XX/XXXX XXXX to SHellpoint Mortgage Servicing. TheXX/XX/XXXXis in its 10 year repayment period. I noticed when making my payment that the majority of the payment was going to interest, rather than principal. I contact Shellpoint and described the problem. From what I understand, they had set up the servicing as though it were a 25 year amortizing loan. I told them that this is not correct. They asked for documentation, so I uploaded to the account, the modification agreement changing the loan from being in its draw period to its repayment period. I called them back the following month to see if they rectified the problem. They acknowledge receipt of the documentation and asked that I call back the following month. The following month, the same thing. This time they said they would be contacting me. They never did. Mind you, I have been making my monthly payments every month. Finally, in XXXX I believe, they acknowledged their error, but still had not fixed it. XXXX, XXXX, I called back. Same thing. I was able to make my payment online. Then in XXXX I received a modification package. I said that I asked for this hardship modification. They were asking me to attest to a lie. I called them and told them that they created the problem, that it had been previously modified to be in the payback period, and that I would not attest to something that was untrue. The following month, when I went to make my payment, I was unable to do so online. I called Shellpoint and made the payment over the phone and let them know that I was no longer able to make the payment online. They said that the payments were now being applied correctly. I asked if they went back to the beginning of this issue to make sure the principal was applied correctly from the get-go. They were not able to tell me this. Same thing in XXXX, can not make the payment online, made the payment over the phone. I was told they would take the payment but they were not being applied while they sort this out. I pointed out that they previously told me the account was corrected. I was also told by the representative that they would be calling me back the following week. They never did. Now, I received a letter from Shellpoint that I was in default. I have never missed a payment. I am livid. Shellpoint does not seem to care that they caused the problem, and are now exacerbating the problem by telling me I am in default. I asked the representative I just called, XXXX XXXX, to be transferred to the Office of the Presidnet and CEO. I was told I would have to request this in writing. Please help.

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 2025-02-08 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: UT

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint against Experian for unlawfully re-reporting a previously deleted XXXX XX/XX/XXXXaccount on my credit report without following the proper reinsertion procedures outlined in the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

According to the FCRA, if a previously deleted account is reinserted, the credit bureau must : Ensure the information meets reinsertion requirements ( Experian has not provided proof that these steps were followed ).

Notify me in writing within five business days of reinsertion ( I was not notified ).

Provide me with the name, address, and contact number of the furnisher of the information ( Experian failed to provide this ).

Since Experian has violated this law, I request immediate action to : Remove the XXXX XXXX account from my credit report due to its improper reinsertion. 
Hold Experian accountable for violating the reinsertion provisions of the FCRA and ensure they comply with reinsertion requirements moving forward. I request a prompt investigation and written confirmation once this issue is resolved. 

Thank you for your time and attention to this matter. I look forward to your response. 

Sincerely, 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 2025-02-08 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:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name :XX/XX/XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XX/XX/XXXX XX/XX/XXXXAccount Name :XX/XX/XXXX Account Name : XXXXXX/XX/XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XX/XX/XXXX# XXXX Account Name : XXXX XXXXXX/XX/XXXX# XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-02-08 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: CA

Complaint narrative:
Recent reports from the Consumer Financial Protection Bureau ( CFPB ) indicate that Equifax has failed to properly investigate consumer disputes. A lawsuit has even been filed against Equifax for violating consumer protection laws by not complying with the Fair Credit Reporting Act ( FCRA ).

Under federal law ( 15 U.S.C. 1681i ), Equifax is required to thoroughly reinvestigate disputed items within 30 days and remove any information that is inaccurate, incomplete, or unverifiable. Ignoring this obligation is a direct violation of my rights. 

I am disputing the following negative items, which I strongly believe may be linked to a data breach : XXXX XXXX - XXXX - {$460.00}XX/XX/XXXXXXXX XXXX XXXX - {$0.00} XX/XX/XXXX XXXX - {$0.00} XX/XX/XXXX XXXX - {$100.00} XXXX XXXX - XXXX - {$0.00} XX/XX/XXXXXXXX - {$1400.00} XXXX XXXX - XXXX - {$1800.00} XX/XX/XXXXXXXX - {$330.00} XX/XX/XXXX XX/XX/XXXX - XXXX - {$0.00} NXX/XX/XXXX XXXX XXXX {$300.00} XXXX - XXXX - {$0.00} DEPTEDXX/XX/XXXXXXXX - {$0.00} XX/XX/XXXX - XXXX - {$530.00} XX/XX/XXXX - XXXX - {$840.00} XXXX XXXX XXXX - XXXX - {$3900.00} XXXX XXXX XXXX - XXXX XXXX {$5000.00} XX/XX/XXXX- XXXX - {$620.00} XXXX - XXXX - {$0.00} XX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX - {$0.00} XX/XX/XXXX- XXXX - {$1200.00} I have already provided supporting documentation multiple times, yet these errors persist. The lack of corrective action has caused me financial harm and unnecessary distress.

I have a legal right to an accurate credit report, and I expect these items to be properly investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Im reaching out because Ive discovered multiple errors on my credit report that need to be corrected immediately. I strongly believe these inaccuracies may have resulted from a data breach, and they are unfairly affecting my financial situation. Here are the items in question : XXXX XXXX  Bankruptcy - XXXX XXXX XXXX - XXXX - {$0.00} XXXX XXXX  XXXX - {$0.00} XXXX XXXX  - XXXX - {$0.00} As a consumer, I have a legal right under the Fair Credit Reporting Act ( FCRA ) to an accurate credit report. Im requesting that you promptly verify and correct these inaccuracies. If they can not be verified, they must be removed in compliance with federal law. I appreciate your immediate attention to this matter.

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 2025-02-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: MOHELA
State: TX

Complaint narrative:
I have received multiple emails from Mohela to resolve a student loan balance of < {$100.00}. I was also notified by a person that I listed as my emergency contact that Mohela called them looking for me or trying to get updated contact information. I had not authorized this. The emergency contact is a law enforcement officer and was upset about the disturbance ( s ). We are unsure if Mohela attempted to contact this officer multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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:
To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS :XX/XX/XXXX- XXXX - XX/XX/XXXX - {$00.00} XX/XX/XXXX - XXXX - XX/XX/XXXX - {$4300.00} INQUIRIES : XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXXXX/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 2025-02-08 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: John C. Heath, Attorney at Law, PLLC
State: NC

Complaint narrative:
Lexington Law Firm is the company I used for debt removal. The dates is from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: DE

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XX/XX/XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : AXX/XX/XXXX XXXX - DATE OPENED XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
I have been disputing the unauthorized reporting of this TD Bank business credit card account on my personal credit since XXXX2024. I did not authorize or give anyone permission to use my ( SSN ) for this account. This account was improperly linked to my personal credit, and I request its immediate removal. 
The creditor failed to provide the documentation. I requested a hand written business credit card application with my SSN filled out as proof that I was in any kind of agreement for business under my personal name, Per FCRA, unverifiable information must be deleted from my credit report immediately.

The data furnisher failed to provide the verification documents I requested within the 30-day dispute period. As this account is now legally unverifiable, it must be removed immediately per FCRA guidelines

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: PA

Complaint narrative:
I'm a victim of a sham investigation from Exqfaix creditreportingagency. They have not done a real investigation, but rather only relied upon the response from the creditor and basting. Their investigation solely on a fault. E oscar system that is not accurate please delete all items that's listed in my documents immediately.

Please see documents in attachments this dispute was not made in error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 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: MD

Complaint narrative:
Good day! I'd like to let you know that the transactions on this account and its respective charges are all fraudulent to which I never benefitted from. Please prevent further harm and fraud to my personal information by having all these fraudulent transactions and account removed from my credit report. It would be a big help. 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 explanation
Consumer complaint received 2025-02-08 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: FL

Complaint narrative:
When I checked my credit report today, I was shocked to see an unauthorized inquiry that I never approved. This was completely unexpected, and despite refreshing my browser multiple times, the error remained. I am beyond frustrated and demand that the documents I submitted be carefully reviewed so this issue is resolved once and for all.

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 2025-02-08 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: AL

Complaint narrative:
In XX/XX/2024 there was a {$300.00} loan taken out in my name that was not mine from a company that starts with a XXXX I forgot the name but its the only {$300.00} loan taken out in XXXX. I did not make this loan. Also, there have been SEVERAL hard inquires where my credit was pulled that I did not do. These need to be removed from my report. I have tried really hard to bring my score up and this has hurt my score terribly. Lastly, alot of old information needs to be removed from my report please. Also, All the credit cards and loans that were not paid my ex husband ran those up on purpose. All my credit cards, loans, XXXX XXXX, all utilities, he ran everything up as high as he could without me knowing and purposely did not pay any of them and ruined my credit. IfXXXX you could try to get those removed as well I would appreciate it. I would be happy to talk with someone as I know this is alot of information but all of this has ruined me at I time Im desperate and need my credit right now as a single mom. I have other disputes but these are my main concerns right this minute. Please help me get this negative off of my report so my score will increase. I appreciate your help. Thank you ao much. Sincerely, 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 2025-02-08 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: CA

Complaint narrative:
Recent reports from the Consumer Financial Protection Bureau ( CFPB ) indicate that Equifax has failed to properly investigate consumer disputes. A lawsuit has even been filed against Equifax for violating consumer protection laws by not complying with the Fair Credit Reporting Act ( FCRA ). 

Under federal law ( 15 U.S.C. 1681i ), Equifax is required to thoroughly reinvestigate disputed items within 30 days and remove any information that is inaccurate, incomplete, or unverifiable. Ignoring this obligation is a direct violation of my rights. 

I am disputing the following negative items, which I strongly believe may be linked to a data breach : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I have already provided supporting documentation multiple times, yet these errors persist. The lack of corrective action has caused me financial harm and unnecessary distress. 

I have a legal right to an accurate credit report, and I expect these items to be properly investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint against XXXX for failing to conduct a proper investigation of my disputes regarding inaccuracies in my credit report. Despite submitting multiple disputes over the past [ specify timeframe ], I have consistently received responses within XXXX hours stating that the account in question is accurate, without providing any evidence that a thorough investigation has been conducted. 

This practice is a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, which requires that credit reporting agencies conduct a reasonable investigation when a consumer disputes the accuracy of information on their credit report. XXXX 's actions, which involve closing disputes without any substantive review or supporting documentation, fall short of meeting the statutory requirements for a proper investigation. 

Furthermore, I believe that XXXX 's actions may also violate the Consumer Financial Protection Act ( CFPA ), specifically 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), which the Consumer Financial Protection Bureau ( CFPB ) has reinforced in its recent proceedings regarding inaccurate credit reporting practices. The failure to conduct a reasonable investigation into my disputes, coupled with the lack of transparent evidence of any real investigation, undermines my rights under both the FCRA and CFPA. 

I request that XXXX provide me with a detailed explanation of the investigation process, including : The methodology used to verify the accuracy of the disputed information. 
The specific evidence considered during the investigation. 
The reason why my disputes were closed without any meaningful review. 
If this issue is not resolved promptly and satisfactorily, I will consider further action, including submitting formal complaints to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and pursuing any additional remedies available under the law. 

I expect a response from you within [ reasonable timeframe, e.g., 30 days ], including a clear explanation of how you will resolve this matter in accordance with the FCRA and CFPA. 

Thank you for your attention to this serious matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation