vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-12 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: GA

Complaint narrative:
I was a victim of identity theft I pulled my credit to find I had multiple accounts that was not mine and some of my reports has stated that my credit had been ran over a XXXX times in a year span for some I have continuously disputed everything that didnt belong to me and well that hasnt worked so I been reaching out to the creditors and well I spoke with a company called XXXX that was reporting a secured credit card that I supposedly opened Ive disputed multiple times and same answer it has been verified is what the credit bureaus had advised me after all the documentation Ive had to send over to prove my case well the representative from XXXX proceeded to pull this fraudulent account and I stated Ive XXXX it with the credit bureaus she said maam we have not received a dispute but I will be happy to help get this off your credit I will have this sent to our fraud department because she said if it had been disputed then notes of the investigation process would be documented on your account so with that being said we take our time to put our faith in these so called credit bureaus that take our information makes us jump through all kinds of hoops to send documents and not to mention the XXXX it is to speak to someone the hold time is ridiculous and thats if you can ever figure out a way around the virtual XXXX  thats absolutely no help my credit is suffering because these bureaus refuse to do their job properly

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have repeatedly disputed an account listed as a collection account with experian because the collection company refused to provide information about the account, including the XXXX date of delinquency/missed payment, only reporting the date that the collection company reported it for collection. No info was available about when the account became 30 days past due, 60 days past due, etc. 

Each of those disputes resulted in experian continuing to report the same information but with additional collection fees added to the balance owed. Even when a dispute was filed again the next day, the amount owed increased from the previous dispute. 

Each time the dispute resulted, the result stated that the item was scheduled for deletion from my credit report XXXX, XXXX. 

In XXXXXXXX XXXX, I filed a dispute stating that the item was scheduled for deletion but had not been deleted. I requested deletion as scheduled. 

I again pointed out that there had never been an original date of delinquency reported for this account and that even using the collection date instead of XXXX delinquency, the account is now time bared for collection in the State of Nevada because it would be 6 years, 8 months, 1 day old. It can not be collected. It is not a collection account. 

As a result of that dispute, experian simply deleted the deletion date! Now, the report states " invalid date '' numerous times in the section where the deletion date of XXXX, XXXX  had been on all the previous dispute results. The entry remains on my report as a collection account but now with no end date.

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 2025-01-12 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I sent tender of payment filled in with the account information along with payout intsrtuctions with the payout quote and the company has disregarded my instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX / XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX - XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent account and inquiries in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these account and inquiries were eliminated and not verified by others bureaus I don't understand how they usually say that these account and inquiries are mine, I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, 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 2025-01-12 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX / XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX As required by XXXX U.S.C XXXX, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent account and inquiries in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these account and inquiries were eliminated and not verified by others bureaus I don't understand how they usually say that these account and inquiries are mine, I have requested contracts from this company with my information and for more than XXXX days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, 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 non-monetary relief
Consumer complaint received 2025-01-12 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: ID Analytics, Inc.
State: TX

Complaint narrative:
I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information. 
I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: AZ

Complaint narrative:
Cash App 's Dispute process is at best SCARY and lacks any backbone for customer. 

on XX/XX/XXXXXXXX XXXX XXXX XXXX  my account XXXX for a Total of {$60.00} on XX/XX/XXXX I called told XXXX that they did not provide any services and the XXXX card I got on the day prior never was able to be activated. I asked for my money to be returned. Customer services told me absolutely. 

XX/XX/XXXX RETURNS XXXX for XXXX $ each totals {$40.00} ... < {$20.00} I have called and called but XXXX and now CASH APP just turns there head. 

I AM OWED {$20.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Used obscene, profane, or other abusive language
Company: Kikoff Inc.
State: PA

Complaint narrative:
I asked him to stop contacting me and I also to. what is The debt about? and also how much any refused to give me the information. and so I can handle the business impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
My XXXX was restricted, I spoke with customer support to make it available again, but nothing has happened.

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 2025-01-12 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: CA

Complaint narrative:
I recently review a copy on my credit report and notice I had fraudulent accounts and hard inquiries on my credit report please remove these accounts and hard inquiries from my report, they are hurting my ability to obtain credit. 
Hard inquiries 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 explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
XX/XX/XXXX, {$3200.00} was erroneously deducted from my escrow account with Newrez LLC for a force-placed insurance premium even after I provided verification of continuous coverage through my own insurance policy with XXXX underwritten by XXXX A copy of my policy and payment was provided to them via email on XX/XX/XXXX. I was never contacted nor was my account credited/corrected. An escrow analysis was done in XX/XX/XXXX where I was cited for a shortage amount increasing my mortgage roughly $ XXXX month to make up the difference. Had the proper refund but provided, there would not have been a shortage amount but instead an overage. Reawakening the matter for me, I submitted on XX/XX/XXXX, another copy of verification of insurance to the XXXX in hopes of getting this fee returned. I submitted to this portal under customer service advisement. Still, my escrow account was not credited back the {$3200.00}. I began contacting them again weekly starting in XX/XX/XXXX up until as recently as yesterday to no avail. This contact is being done through their website for which no proof of submission is provided except the occasional acknowledgement receipt and empty promise to respond. This matter has persisted for over a year and is a CLEAR violation of law 1024.17 ( e ) ( 1 ) ( ii ). I need my REFUND EXPEDITIOUSLY!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: 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. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX [ XXXX, XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Information on Credit Report Dear Consumer Financial Protection Bureau XXXX I am writing to formally dispute inaccurate information reported on my credit report related to an account with GM Financial XXXX After carefully reviewing my credit report, I have identified several inaccuracies that I believe should be corrected, resulting in completely removing this debt from my credit report. Below are the specific details : XXXX. Account Information : Creditor Name : GM Financial Account Number : XXXX Date Opened : XX/XX/XXXX Charge-Off Amount : {$23000.00} XXXX. Inaccuracies : Reported Balance : The current balance is listed as {$10000.00} as of XX/XX/XXXX, which conflicts with the account being charged off as stated in the remarks ( Profit and Loss Write-Off ). Once an account is charged off, there should not be a remaining balance reported unless updated appropriately. 

Payment History : The payment history reflects inaccuracies, showing missed payments after the account was closed on XX/XX/XXXX. It is not possible to report payments as missed after closure. 

Remarks : The remarks indicate a Profit and Loss Write-Off, yet the balance and payment activity are inconsistent with this status. 

XXXX. Request for Action : Delete the account off of credit completely for the account was already written off and paid as a profit loss charge off by the company therefore the company was already paid for this debt. 

Verify the profit loss charge-off information with GM Financial and delete the record from my credit report completely. 



I have attached supporting documentation, including screenshots from my account records, for your reference. Please investigate this matter promptly under the Fair Credit Reporting Act ( FCRA ) and provide me with an updated credit report reflecting these corrections. 



Thank you for your time and attention. I look forward to your response within XXXX days, as required by the FCRA. Should you require additional information to process this dispute, please contact me at XXXX or XXXX. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX / XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent account and inquiries in my report and EQUIFAX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these account and inquiries were eliminated and not verified by others bureaus I don't understand how they usually say that these account and inquiries are mine, I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX / XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent account and inquiries in my report and EQUIFAX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these account and inquiries were eliminated and not verified by others bureaus I don't understand how they usually say that these account and inquiries are mine, I have requested contracts from this company with my information and for more than XXXX days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 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: CBC Companies, Inc.
State: GA

Complaint narrative:
Subject : Complaint Against XXXX, XXXX, XXXX for Refusal to Update Personal Information Dear CFPB, I am filing a formal complaint against Innovis for their refusal to update my personal information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). 
Details of the Issue : Date of Initial Request : XX/XX/year> Documents Submitted : Personal information update letter, driver 's license, Social Security card, and utility bill ( notarized ) Response from XXXX : XX/XX/year>, stating my request could not be processed due to missing government ID ( which was, in fact, included ). 
Violation of Rights : XXXX 's refusal to update my information is a direct violation of 15 USC 1681 ( a ) ( 4 ). The FCRA mandates that consumer reporting agencies must handle their responsibilities with fairness, impartiality, and respect for consumer privacy. By not properly reviewing the provided documentation, XXXX has failed to conduct a fair investigation, thus violating my consumer rights under : 15 U.S.C. 1681i : Procedure in case of disputed accuracy 15 U.S.C. 1681e ( b ) : Compliance procedures to ensure maximum possible accuracy

Company response to consumer: Closed with non-monetary relief