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: 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 writing to formally dispute innacurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the fair credit reporting act and request a thoroughinvestigation into these inaccuracies, as required by federal law. 
Recently the consumer financial burueau filed a lawsuit against experian for its failure to properly investigate consumer disputes, ciitng " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinstating previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.

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: 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 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: 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 2025-03-25 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: FL

Complaint narrative:
Notice to XXXX XXXX From : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX and Desist Demand Regarding Account No. XXXX Dear XXXX XXXX I am writing to formally request that you cease and desist all actions regarding my account numbered XXXX. This request is made under the Fair Debt Collection Practices Act ( FDCPA ), specifically under 15 USC 1692 ( a ) ( B ).

Cease and Desist Demand : Reporting or Sharing Information : I request that you immediately cease and desist from reporting or sharing any information related to this account or debt under my personal information with any third parties, including but not limited to credit reporting agencies.

Collection Activities : You are also required to stop engaging in any further collection activities that may violate the provisions of 15 USC 1692 ( a ). This law prohibits abusive, deceptive, or unfair debt collection practices.

Please be advised that failure to comply with this demand will constitute a violation of federal law and may result in legal action against your company. 
I expect your prompt attention to this matter and look forward to your written confirmation that you have complied with my requests. 
Thank you for your immediate attention to this urgent matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: FIRST NATIONAL BANK OF OMAHA
State: NY

Complaint narrative:
Disputed it with credit bureaus.They didn't investigate either. Even though I sent them my XXXX XXXX, stating I have no debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: United Collection Bureau, Inc.
State: PA

Complaint narrative:
REQUESTING FORM 1099-C. THE FORM WAS NEVER SENT WHICH IS REQUIRED BY LAW.

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 information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away. Kindly remove and block them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV FUNDING LLC - {$1800.00} ( XX/XX/XXXX ). I disputed it, the company said they would look into it but still up on my credit report and hurting it as I build my credit every time. 

XXXX XXXX {$0.00} ( XXXX XXXX, XXXX ). Same thing, I reported it and they just left it on there. 

Few was deleted recently, and at times they come back again. 

Some of the Hard Inquiries as well, I disputed them but they are still there.

Company response to consumer: Closed with explanation
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: CA

Complaint narrative:
I am writing to formally dispute the recent charges and adjustments on my mortgage account # XXXX ]. Upon reviewing my account, I have identified the following issues that require immediate correction : Incorrect Late Charges My mortgage payments are scheduled through my bank and are consistently sent several days in advance, ensuring timely arrival before the due date. However, my account reflects multiple late charges that are inaccurate. 

Unexplained Increase in Loan Principal I have noticed an unexpected increase in my loan principal. Please provide a clear breakdown of this adjustment and correct any errors. 

Unauthorized Insurance Premium Disbursements I maintain my own homeowners insurance coverage, yet my payment history includes disbursements labeled as Insurance Premium Disbursement. This appears to be force-placed insurance, which is unnecessary and unjustified. 

I have attempted to contact Shellpoint numerous times to resolve these issues but have not received a response. I am requesting ShellPoint the following actions be taken within 15 business days in compliance with the Real Estate Settlement Procedures Act ( RESPA ) : Provide a detailed explanation of the charges in question, including a transaction history of my account.

Reverse any erroneous late fees and incorrect principal increases. 

Cease any force-placed insurance charges and confirm that my existing insurance policy is acknowledged. 

Update my account to reflect accurate payment history. 

Attached,!. XXXX XXXX XXXX XXXX 2. Shell Point LetterXXXX 3. Shell Point XXXX XXXX XXXX Shell Point Payment History-XXXX XXXX Newrez XXXX XXXX XXXX XXXX XXXX XXXX Statement, XXXX XXXX Statement, XXXX XXXX Statement XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Sincerely, XXXX XXXX XXXX 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 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: AZ

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

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 — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I thought the economy was tough, but seeing my credit report made it clear what's even worse its filled with inaccurate information thats causing me overwhelming stress. As a consumer, I have the right to an accurate credit report, yet these errors are holding me back. Its disheartening to face constant financial setbacks and the emotional toll is unbearable. I cant even consider seeking professional help for my mental health because I know my credit cards will be declined due to these unjustly low scores.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: FL

Complaint narrative:
Friday XX/XX/XXXX i was suppose to be getting money and they held neary all of it and i wasnt able to get my money back because nobody was available to pick up the phone for the longest and you can sue because of that. I just want my money back

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: TN

Complaint narrative:
I am a victim of XXXX XXXX  of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. As per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

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: 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: MN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Dear Experian Representative, I am writing to formally request the method of verification used for a charge-off account listed on my credit report. My name is XXXX XXXX, The account in question is with XXXX  XXXX Unsecured Loan, account number # XXXX, which was charged off on XX/XX/XXXX. As a responsible consumer, I regularly monitor my credit report to ensure its accuracy. Upon reviewing my recent report, I noticed this charge-off account and have reason to believe it may be inaccurate. 

I have previously disputed this account on XX/XX/XXXX, and it was verified. However, I still believe it is inaccurate, and I am now exercising my rights under the Fair Credit Reporting Act ( FCRA ) to request the method of verification used during the reinvestigation.

Under 15 U.S.C. 1681i ( b ), your agency is required to reinvestigate disputed information and verify its accuracy. Furthermore, under 15 U.S.C. 1681g ( a ) ( 2 ), I am entitled to request the sources of information and any records used in preparing my report.

The recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Experian on XX/XX/XXXX, for conducting sham investigations of credit report errors, serves as a stark reminder of the legal obligations credit bureaus must uphold. The CFPBs action seeks to stop unlawful conduct, provide redress for harmed consumers, and impose civil money penalties. I expect your agency to fully comply with the FCRA to avoid similar consequences. 

Therefore, I demand a detailed explanation of the method of verification used for this charge-off account, including : How the information was obtained from the furnisher The specific steps taken to verify its accuracy during the reinvestigation Copies of any documentation relied upon during the verification process Please provide this information within 30 days, as mandated by the FCRA.

Failure to comply with this lawful request will leave me no choice but to escalate the matter. This may include filing a formal complaint with the CFPB, seeking legal counsel to pursue remedies under the FCRA, or both. Be advised that violations of the FCRA can result in civil penalties, including actual and punitive damages, as well as attorney fees, as outlined in 15 U.S.C. 1681n. 

Thank you for your prompt attention to this serious matter. Please direct all correspondence to the address listed above or contact me at XXXX or XXXX 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 2025-03-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response. Below are the details of my complaint : 1. Charged-Off Account or Collection Account Creditor/Collection Agency Name : XXXX Account Number : XXXX Creditor/Collection Agency Name : XXXX Account Number : XXXX Creditor/Collection Agency Name : XXXX XXXX Account Number : XXXX Issue : This account was charged off/placed in collections without proper notification or validation of the debt. 

I requested validation of the debt per my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), but the creditor/collection agency failed to provide sufficient documentation. 

The reported balance and payment history contain inaccuracies that I have disputed with the credit bureaus, yet the creditor refuses to correct or remove the erroneous data. 

The account was sold to a third-party collector, yet it remains listed under the original creditor, creating duplicate reporting and unfair harm to my credit profile. 

I am requesting the immediate deletion of this inaccurate and unverifiable account from my credit report or proper documentation proving its validity. 

2. Unauthorized/Incorrect Hard Inquiry Company That Performed Inquiry : XXXX Date of Inquiry : XX/XX/year> Issue : I did not authorize this company to pull my credit. 

No written consent or permissible purpose exists for this hard inquiry, which is a violation of the FCRA ( 15 U.S.C. 1681b ). 

Despite my dispute, the credit bureaus and the creditor have refused to remove the unauthorized inquiry. 

I am requesting the immediate removal of this hard inquiry from my credit report, as it was made without my authorization.

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 — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX & XXXX OF XXXX XX/XX/XXXX

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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX & XXXX OF 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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

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 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 information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX RE : Account XXXX XXXX XXXX XXXX I am contacting you to inform you that Regional Acceptance has been inaccurately reporting a balance for the above listed account number of {$13000.00} for the past 13 months. XXXX XXXX wrote off the entire loan for {$32000.00} on XX/XX/XXXX received insurance payment in the amount of {$20000.00} on XX/XX/XXXX. Regional Acceptance also received GAP Insurance payments from XXXX XXXX XXXX XXXX for this account in the amount of {$4200.00} on XX/XX/XXXX, along with a dealer check in the amount of {$4100.00} on XX/XX/XXXX. A credit card payment in the amount of {$1500.00} dollars was also made on XX/XX/XXXX. XXXX XXXX has not correctly reported any of the above listed payments on my credit report along with SEVERAL missing payments that were made from XXXX and XXXX. XXXX XXXX has received {$30000.00} in payments on this account. The CORRECT balance owed is {$2400.00}, yet XXXX XXXX has reported an inaccurate balance of {$13000.00} on my credit report for the past year and a half. 
I have disputed this information from my credit report several times, I have requested a validation of debt letter in reference to this account with ALL payments XXXX XXXX has received several times and never received it. I have called XXXX XXXX Recovery Department approximately 19 times and given a different story each time by the representative on why the balance has not been updated on my report or within their system or I just never receive a phone call back after leaving several voicemails and even faxing and mailing letters to them.

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