vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
I contacted the XXXX  membership and I let them know that I was working as a XXXX XXXX  and I was let go and I did not have the money to keep paying on the membership and the person named XXXX said to email her and that she would send my information over to a higher ups for them to look at and instead of contacting me and letting me know anything they sat there and sent it to a debt collection even though they told me I needed to email

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: IL

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate.

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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: IL

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate.

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the 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 2025-05-05 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. 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 2025-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
Debt collector attempting tp.collect a debt that is the result of identify theft. I requested debt validation from company I didn't get it and now I am seeing the debt collector on my credit report please help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: MA

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 2025-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I want to file a formal complaint against my mortgage company NewRez LLC dba Shellpoint Mortgage Servicing whose address is XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX. 
We pay them a monthly mortgage amount as well as pay into escrow for our property taxes we owe to XXXX XXXX. After receiving our recalculation for our XXXX escrow, our escrow amount per month increased by {$970.00} After examining the statement as to why there was such a large increase, we saw New Rez LLC. paid XXXX XXXX XXXX different amounts for our XXXX property taxes. They paid the following in XX/XX/XXXX : {$4000.00} {$5000.00} {$4900.00} We have confirmed with XXXX XXXX that our actual property tax owed was for the first amount of {$4000.00} and that the other XXXX checks from Newrez were returned to them. On the escrow disclosure statement, Newrez credited our account in XX/XX/XXXX, of {$10000.00} for the XXXX erroneous payments. This credit did not get applied to the Actual Tax paid. 
The calculation of our new escrow required payment still includes these XXXX erroneous payments causing the estimated tax bill for this year to be {$14000.00}, when based on our conversation with the XXXX XXXX tax office the amount anticipated to be owed is approximately {$4500.00} at the maximum. This would be an overpayment to our escrow of over {$9500.00}. 
We contacted New Rez XX/XX/XXXX to fix this egregious error in their calculations and they responded that they would investigate it and have a resolution within 14 days. We sent copies of the actual XXXX bill and receipt of payment to XXXX on XX/XX/XXXX. When contacted again on XX/XX/XXXX they had no resolution. I was told to call back the next day. On XX/XX/XXXX I contacted them and was told there was no resolution and to call back the next day. We were told they were waiting for a response from XXXX XXXX for verification of something. We went into the XXXX XXXX tax office and they are not aware of any one contacting them about this We requested that we be removed from the escrow and we would pay the taxes directly to XXXX XXXX, but Newrez also denied us this option since we have been a customer less than 2 years. 
Overpaying escrow is a common occurrence, but overpaying by {$9500.00} is a scam. The interest and use of this amount of money should not be held by the mortgage company when it is obvious to anyone based on the statements that our escrow is being overstated. 
Please let us know if there is anything else we can do to resolve this situation.

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 2025-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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: FL

Complaint narrative:
Recently I look at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure their accuracy. Here are the items I am asking you to verify as accurate Credit Card XXXX XXXX XXXX account # XXXXXXXX XXXX XXXXXXXX account # XXXXXXXX XXXX XXXX  XXXX account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing to dispute a charge-off account that appears on my credit report from XXXX  XXXX XXXX XXXX XXXX account number ending in XXXX I believe this account is either inaccurate, incomplete, or should no longer be reported. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate this account and provide proper documentation to validate the debt, including the original contract, full payment history, and explanation of how the charge-off was calculated. 

If this information can not be verified, I am requesting the charge-off be removed from my credit report. Additionally, please ensure that any information shared with the credit bureaus is accurate and up to date. 

I expect a response in writing within the XXXX investigation period as required by law. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
After reviewing my credit report, I found multiple accounts that I did not authorize or open. These unauthorized accounts have been affecting my efforts to secure a home for my family. I kindly ask for the immediate removal of these fraudulent accounts from 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 2025-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/XXXX TX XXXX Date : XX/XX/XXXX TransUnion Consumer Solutions XX/XX/XXXX, PA XXXX XXXX : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX with Social Security Number XXXX , a resident of XXXX XXXX XX/XX/XXXX XXXX TX XXXX, submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 

Affidavit : Applicant Identification : Full Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of XXXX Current Address : XX/XX/XXXXXXXX, TX XXXX Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent.

o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements.

Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID.

o A copy of a recent utility bill or bank statement confirming my current address. 
o A copy of my Social Security Number.

Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information.

Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX 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 2025-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
Bank of America withdrew a payment of {$650.00} from my checking account twice bringing my BoA account to a XXXX balance and overdrawing my checking account. When I called to resolve the issue initially BoA said the funds would be returned within 5 days. Three days later, the funds had been removed from my BoA account bringing it to 0 but I still did not receive them. I was told to wait 2 more business days. On the 5th business day, I called again when the funds has still not been returned and I was then told that it would take 30 more days for the funds to return and that there was no other solution. I was transferred to five different customer care representatives, none of whom were able to help me and finally I was given an email to someone in client care and told there was nothing else that could be done. I am still waiting on my returned funds and have since accrued overdraft fees on my personal checking 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 monetary relief
Consumer complaint received 2025-05-05 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 writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX Balance : {$640.00} Open Date XX/XX/XXXX XXXX XXXX  Balance : {$3100.00} Open Date XX/XX/XXXX XXXX XXXXXXXX Balance : {$580.00} Open Date XX/XX/XXXX XXXX XXXX Balance : {$0.00} Open Date XX/XX/XXXX Inquiries : XXXX XXXX  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 non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This CFPB complaint is submitted pursuant to FCRA Section 605B ( 15 U.S.C. 1681c-2 ) to request that Experian immediately block the following fraudulent and unauthorized accounts from my consumer credit report within XXXX business days of receiving this complaint. In addition, under FCRA Section 611 ( 15 U.S.C. 1681i ), I formally dispute the accuracy and validity of these accounts and demand a full reinvestigation as required by federal law.

The fraudulent accounts reported on my credit file include : An auto loan account with XXXX XXXX opened on XX/XX/XXXX, with a balance of {$3700.00} An auto loan account with XXXX XXXX opened on XX/XX/XXXX, with a balance of {$0.00} A student loan account with XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, with a balance of {$3500.00} A student loan account with Dept of XXXX XXXX XXXX XX/XX/XXXX, with a balance of {$7900.00} A student loan account with Dept of XXXX opened XXXX XX/XX/XXXX, with a balance of {$4600.00} A student loan account with XXXX XXXX XXXXXXXX opened on XX/XX/XXXX XXXX XXXX a balance of {$10000.00} A student loan account with XXXX XXXX XXXXXXXX opened on XX/XX/XXXX XXXX with a balance of {$6700.00} Under FCRA Section 611, I demand that Experian provide complete details of its reinvestigation, including the method of verification used for each account and physical proof supporting the accuracy of the reported information. Without such evidence, these entries are presumptively fraudulent and constitute prima facie violations under the 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 2025-05-05 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: NY

Complaint narrative:
HARD INQUIRIES WERE REPORTED ON THE 3 CREDIT BEARUE, I DO NOT RECOGNIZE THEM AND THEY ARE TO BE REMOVED IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: NY

Complaint narrative:
HARD INQUIRIES WERE REPORTED ON THE 3 CREDIT BEARUE, I DO NOT RECOGNIZE THEM AND THEY ARE TO BE REMOVED IMMEDIATELY

Company response to consumer: Closed with explanation