vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-25 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: SC

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. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-03-25 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: MO

Complaint narrative:
Experians has all the information needed that Ive provided time & time again and has totally ignored my point of view, in which is so very distasteful and leads me to wonder how many other victims are here being treated with injustice just because the creditor say the account is verified. XXXX XXXX XXXX XXXX employees fumble the ball and this is nothing less than sham and cover up for XXXX XXXX XXXX XXXX mishaps and Experian is playing a major part by letting them do this consumers credit reports after you have submitted additional documentation to support your dispute. To just dismiss a consumers complaint and side with the creditor is simply not abiding by the law set forth by Congress and violates FCRA & ECOA. A creditor can not UNILATERALLY change the ORIGINAL LOAN BALANCE of a contract or agreement without both sides, The Creditor & Myself '' either restructuring or refinancing the original contract especially after an Employee who is in fact a Loan Supervisor tells you on recorded phone call that the account is closed and lock you out of the account, just because you are a victim of identity theft, and you send them proof in black and white showing your information was part of a data breach. I passed every security question they asked me on the recorded phone call, was then approved for the loan and personal credit card with 3k limit. Then to only find out a week later that their using your identity theft and credit freeze against you stating that there is a discrepancy in social security numbers. So I sent them the additional information needed to prove that I was a victim. Then to later find out that XXXX XXXX XXXX XXXX XXXX employee or employees inserted 2 FRAUDULENT PAYMENTS on all 3 of my credit reports without my consent. Not to mention, they actually changed the ORIGINAL LOAN BALANCE without my knowledge, which is an ADVERSE ACTION.

Violating 623 of the FCRA & section 701 ( d ) ( 6 ) of ECOA " Borrower Detriment '' with their one sided unfair terms on a closed account that they are reporting as open, when I was told by the loan supervisor on a recorded call that the account was closed. Even the dealer told me that he was told to return the check.

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 2025-03-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
Ally Bank. Repossession of vehicle without a repossession notice. Also because my account was past due, they wouldnt let me access the online account to make any payment. They told me that is the policy. 
I told them my income changed and my husband lost his job, it didnt matter. They didn't have any options for us and they wanted us to pay the vehicle off in less than a year rather than the original life of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: MI

Complaint narrative:
My accounts were always on time! Specially with XXXX XXXX, I had a wonderful payment history, and every payment was set up on autopay. They processed the transaction incorrectly on their end, which is why this late payment is being reported. 

I demand the late payment reported to be removed/updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: CA

Complaint narrative:
I am formally disputing the following late payment entries on my credit report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: OH

Complaint narrative:
XX/XX//2025 The addresses associated with these accounts are illegal and fraudulent needs to be removed asap! 

Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XX/XX/XXXX Date Opened XX/XX/2025 Balance {$490.00} **Inquiries** XX/XX/XXXX XXXX XXXX XXXX, 2025XX/XX/XXXX XX/XX/XXXX 2025XX/XX/XXXX, 2025 XX/XX/XXXX2025XX/XX/XXXX 2025 2025

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 2025-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. 
XXXX Georgia XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Subject : Request for Validation of Debt Under 15 U.S.C. 1681 ( b ) Dear Sir/Madam, I am writing to formally request validation of the debt referenced by your records, as required by the Fair Credit Reporting Act, specifically 15 U.S.C. 1681 ( b ). I am seeking clarification and verification of the debt related to my account, which is currently being reported as either in collections or marked as closed.

Under the provisions of 15 U.S.C. 1681 ( b ), I am entitled to receive the following documentation and information : 1. Details of the original creditor : The name and contact information of the original creditor to whom the debt was originally owed.

2. The full amount of the debt : A detailed statement of the amount owed, including any interest, fees, and other charges that have accrued since the original account was closed or placed into collections.

3. Proof of ownership of the debt : A statement verifying that you are legally entitled to collect this debt and that it has not been transferred, sold, or otherwise assigned to another party.

4. Account history : A complete history of the account, including the original account number, balance at the time it was closed, and a breakdown of any charges applied.

5. Documentation confirming that this debt has not been settled or discharged : Proof that this debt has not been satisfied, written off, or discharged through bankruptcy or any other means.

I request that you provide me with this information in writing within 30 days from the receipt of this letter, as required by the law. Please note that if you fail to validate this debt within the allotted time, you are required to remove it from my credit report in accordance with the Fair Credit Reporting Act.

If this account was closed or discharged, kindly provide documentation supporting this status and the closure of the account. If this account is a part of any ongoing dispute, I request full details and documentation regarding that as well.

Please be aware that I am aware of my rights under the Fair Credit Reporting Act, and I expect a timely response to my request. Any failure to comply with my request will be considered a violation of federal law, and I will take all necessary steps to protect my rights.

Thank you for your prompt attention to this matter. 
Sincerely, 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 2025-03-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Accelerated Servicing Group LLC
State: NV

Complaint narrative:
I started receiving phone calls about a debt that they say I took out and did not pay off the loan. I have received about 5 calls stating that I owe and amount and thay they are going to file in a local court a lawsuit to collect the loan plus expenses. 
When I received the first text I replied back that I would not talk to them unless they provide me with the paperwork that shows the amount of the loan, the date is was taken out, what company that I received the loan from and from what location I received the loan. Since my text message I have received 3 more messages with exactly the same message but with a different person talking. 
I checked with Scam Detector an online service that investigates companies such as this. It is strange that the company has only been in business since XX/XX/year>, thus supporting my contention that this is a company that is trying to collect a loan I have already paid off.This is not the first time I have received a message or email from a scam company and given my past loan history I know it will not be the last. 
Because they have refused to provide me with information on the so called loan and because they have called me at least 5 times I feel that this is sufficient enough to give them a cease and desist order. 
Thank you.

Company response to consumer: Untimely response
Consumer complaint received 2025-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
I received a check in the amount of {$760.00} from Shellpoint, I deposited it into my checking account and the funds became available and I spent them. I had automatic withdrawals coming out of my account and I paid other bills because funds were available. Couple days later the money was withdrawn from my account. I had funds of {$760.00} and. {$160.00} withdrawn from my account, her the account they were withdrawn from as my XXXX checking account. I called XXXX and they told me that Shellpoint mortgaging took the funds away. I called Shellpoint and they told me the check was sent in error and they tried to cancel the check before they sent it, but it was a mistake. I told them that I deposit the check because it was sent to me from my escrow. I had just filled out a no modification so I figured the check was in relation to that and was rightfully mine. The fact that they made an error and are having me pay for itwhen I had funds coming out of my checking account is something they need to rectify. This is their responsibility to fix their error. It is not mine. I did send an urgent email to loan servicing two weeks ago, filing a claim/notifying them that this is an issue and they would need to address it. The woman today told me that. It would take two days approximately for them to respond once they receive it. I notified her that it had been two weeks already and I have not heard anything back from them. When I called her to speak about this, she could not find the email or any of my contact messages, until I asked her why I have not heard back. I know Im not to let things go unhandled with this company because they miss handled my loan modification for a different loan and a different mortgage and upon me declining the terms ( which were absolutely ridiculous ) they pushed me straight into foreclosure. I had to pay {$4000.00} to get myself out of that mess, so {$760.00} is something that I of course welcomed and used immediately to pay bills.

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 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: American First Finance, Inc.
State: NC

Complaint narrative:
Issue Type : Problem with a purchase shown on your credit report Company : American First Finance Merchant : XXXX XXXX XXXX XXXX ( XXXX, NC ) Complaint Description : I am filing this complaint due to a misleading and deceptive transaction involving a financed jewelry purchase through American First Finance. On XX/XX/year>, I purchased a jewelry set from a store called XXXX XXXX located in XXXX XXXX XXXX XXXX, NC ). The merchant verbally sold me the item as a diamond Cuban link chain with bracelet, even using a diamond tester to falsely validate the claim. 

However, after reviewing the receipt and doing further research, I discovered the jewelry is not real diamond, but rather moissanite. This was not made clear to me before the sale. I immediately canceled the financing contract due to the false representation of the item. 

I am now concerned that American First Finance may report this to credit bureaus as a delinquency or missed payment, even though the contract was canceled in good faith due to fraud on the merchants part. I want to ensure no negative impact is made to my credit report, and I request written confirmation that the account has been voided and will not be reported negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have not received any response from the Bureaus even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. But unfortunaetly it has been over 30 days and no accounts was updated.

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 2025-03-25 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 am a victim of XXXX The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$7900.00} XXXX - XXXX - XX/XX/XXXX - {$930.00} XXXX XXXX  XXXX - XXXX XXXX XX/XX/XXXX - {$1800.00} XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$690.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$480.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$3900.00} XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$530.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1200.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX XXXX {$1200.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$3800.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$7700.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$3800.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1200.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I formally request an investigation into these unauthorized inquiries and ask that you provide documentation regarding their origin. Please include all pertinent details, such as the name of the entity responsible for the inquiry and any records or consent forms that demonstrate my authorization for these actions.

Since these unrecognized inquiries may harm my credit score and financial stability, I urge you to address this matter without delay. Your prompt attention to this issue would be greatly appreciated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-03-25 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
I am writing to dispute a hard inquiry that appears on my credit report. I did not authorize this inquiry, and I am requesting its removal. 

Details of the Unauthorized Inquiry : XXXX XXXX XXXX CITIBANK NA., BEST BUY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Scheduled to Remain Until : XX/XX/XXXX I did not apply for credit with this institution, nor did I XXXX permission for this inquiry. Under the Fair Credit Reporting Act ( FCRA ), unauthorized inquiries should be removed from my credit report. 

Please investigate this matter and provide confirmation of the removal. If this inquiry was the result of fraudulent activity, I am prepared to take further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ). 

Thank you for your prompt attention to this matter. Please confirm in writing once this inquiry has been removed.

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 2025-03-25 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: TX

Complaint narrative:
Im not aware of such inquiries, therefore this one appears to be illegal and a fraud. As soon as possible, please fix this problem. Thank you

Company response to consumer: Closed with explanation