vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-25 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: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I am filing a formal complaint against XXXX XXXX XXXX regarding account XXXX, which is reporting inconsistent and inaccurate information across all three credit bureaus, violating 15 U.S. Code 1681 ( Fair Credit Reporting Act ). The account reflects different " date last active '' and " reporting dates '' across XXXX, XXXX, and XXXX, which is not possible for the same account and fails to meet FCRA accuracy requirements. Additionally, you have falsely reported the account as 120 days late in both XXXX and XX/XX/XXXX, which is impossible. There was no prior XXXX or XXXX late payment leading up to these reports, making this information clearly inaccurate. Furthermore, the last reported XXXX late payment was in XX/XX/XXXX, yet you have also marked XX/XX/XXXX and XX/XX/XXXX as 30 days late, further contradicting your own reporting. 

It is also important to note that your companys business registration has been forfeited in Texas, meaning this account should not be legally reported. The presence of these errors suggests either a blatant disregard for compliance with the law or significant negligence in reporting practices. As a result, I am demanding the immediate deletion of this account from my consumer report. If this request is not met, I will pursue legal action for damages caused by these violations. I expect a prompt response and corrective action in accordance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: IL

Complaint narrative:
I've never had an account with XXXX XXXX and the Bureaus refuse to delete this account. XXXX XXXX  provided a letter that doesn't validate that I've had an account with them. I've tried to contact XXXX in regards to this account and they continue to report to my credit report. I've never had a credit card with XXXX and yet they are reporting on my credit report. This accounts is reporting information which varies from bureau to bureau so that in and of itself proves that this account is reporting inaccurately and also for some of them. I'm not even sure what they are so by the provisions of 15 USC, section 168li of the Fair Credit Reporting Act. 
I demand a re-investigation and deletion of this account and if you or your agency refuses to do so, I demand the names and addresses of the Resident Agent or Corporate Officers of this agency who are going to accept the responsibility of your actions in this matter. Unless immediately notified otherwise, I'm going to assume that 30 days constitutes more than enough " Reasonable Time '' for the re-investigation and correction of my credit report..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I've never had an account with XXXX XXXX and the Bureaus refuse to delete this account. XXXX XXXX  provided a letter that doesn't validate that I've had an account with them. I've tried to contact XXXX in regards to this account and they continue to report to my credit report. I've never had a credit card with XXXX and yet they are reporting on my credit report. This accounts is reporting information which varies from bureau to bureau so that in and of itself proves that this account is reporting inaccurately and also for some of them. I'm not even sure what they are so by the provisions of 15 USC, section 168li of the Fair Credit Reporting Act.

I demand a re-investigation and deletion of this account and if you or your agency refuses to do so, I demand the names and addresses of the Resident Agent or Corporate Officers of this agency who are going to accept the responsibility of your actions in this matter. Unless immediately notified otherwise, I'm going to assume that 30 days constitutes more than enough " Reasonable Time '' for the re-investigation and correction of my credit report..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: IL

Complaint narrative:
I've never had an account with XXXX XXXX and the Bureaus refuse to delete this account. XXXXXXXX XXXX  provided a letter that doesn't validate that I've had an account with them. I've tried to contact XXXX in regards to this account and they continue to report to my credit report. I've never had a credit card with XXXX and yet they are reporting on my credit report. This accounts is reporting information which varies from bureau to bureau so that in and of itself proves that this account is reporting inaccurately and also for some of them. I'm not even sure what they are so by the provisions of 15 USC, section 168li of the Fair Credit Reporting Act.

I demand a re-investigation and deletion of this account and if you or your agency refuses to do so, I demand the names and addresses of the Resident Agent or Corporate Officers of this agency who are going to accept the responsibility of your actions in this matter. Unless immediately notified otherwise, I'm going to assume that 30 days constitutes more than enough " Reasonable Time '' for the re-investigation and correction of my credit report..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: GA

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 2025-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I am writing to formally dispute the accuracy of a collection account appearing on my credit report. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), I am exercising my right to challenge any inaccurate, incomplete, or unverifiable information that may be damaging my credit profile.

The following account is incorrect and must be removed immediately : Midland Credit Management /Creditor Name : XXXX XXXX XXXX Basis for Dispute : 1. Unverified Information : According to 15 U.S.C. 1681i ( a ), and 15 U.S.C. 1692C credit bureaus are required to conduct a reasonable reinvestigation of disputed accounts. I demand documented verification that this account is accurate and legally belongs to me. If no verifiable proof is provided within 30 days, this account must be deleted. 
2. Failure to Adhere to Federal Standards : Recent actions by the Consumer Financial Protection Bureau ( CFPB ) have highlighted the frequent mishandling of consumer data by credit reporting agencies. The CFPB lawsuit filed in [ Year ] against XXXX, XXXX, and XXXX for violations of consumer rights under the Fair Credit Reporting Act ( FCRA ) is a clear indication of industry-wide misconduct. 
3. Case Studies of Violations : o XXXX was fined in XXXX due to its data breach exposing consumer information. 
o XXXX was sued in XXXX by the CFPB for deceptive marketing practices and failure to remove erroneous accounts. 
o XXXX has faced multiple lawsuits for failing to correct disputed consumer records. 
Given this precedent and the bureaus legal obligation under the FCRA, I demand the immediate removal of this collection account unless you can provide substantive, legally admissible proof that this account is valid and belongs to me. 
Requested Action : Remove the aforementioned account from my credit report within 30 days per FCRA guidelines. 
Provide written confirmation of this removal or verification of accuracy. 
If the account is not removed, provide a detailed explanation and copies of all documents used to verify the debts legitimacy. 
If my request is ignored or denied without substantial proof, I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General 's office. 
Please consider this letter a formal request under the Fair Credit Reporting Act and confirm receipt by responding in writing to my address above. 
Enclosing : According to 15 U.S.C. 1692C Equifax have violated my rights by in lawful communication. Please remove these collections off of my credit report. According to section 1681e ( b ), section 1681i to 15 U.S.C. 1681 B, to 15 U.S.C. 1681 EB and section 1681s

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: OH

Complaint narrative:
Select Portfolio Servicing , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Failure to take my account off of escrow and the fact that I paid my property taxes -- -- I paid my property taxes -- -- -- -- -- -- -- -- -- -- -- -and homeowners ' insurance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX ACCOUNT # XXXX, ITS WAS OPENED XX/XX/year> BY A XXXX EMPLOYEE AT XXXX XXXX IN XXXX GA. XXXX XXXX KNOWS THIS ACCOUNT IS FRAUD BUT A PEROSN NAMED XXXX KEEPS SAYING ITS NOT. I FILED LEGAL ACTIONS AGAINST XXXX AND XXXX LEGAL TEAM WAS SERVED AND NEVER CAME TO COURT SO A JUDGEMENT WAS PLACED AGAINST XXXX CREDIT, NOW I FILED A LAWSUIT AGAINST XXXX ID THEFT TEAM AS TRADE LINE FRAUD AND REP IN THE ID DEPARTMENT XXXX FOR TRYING TO DO FINANCIAL RUINS. EQUIFAX HAS SO MUCH DOCUMENTS SUPPORTING THIS ACCOUNT IS FRAUD AND STILL ALLOWING XXXX TO PLACE THIS ACCOUNT BACK ON MY CREDIT FILE AND NOT LOOKING INTO THE FRAUD THAT XXXX XXXX XXXX XXXX IS ACTING DOING. I WILL FILE LEGAL ACTIONS AGAINST EQUIFAX IF THIS ACCOUNT IS NOT TAKEN DOWN AND DOWN WERE IT CAN NOT APPEAR ON MY EQUIFAX TRADE LINE EVER AGAIN. I HAVE ATTACHED SOME MANY POLICE REPORT AND UNDATED POLICE REPORTS AND FTC IDENTITY THEFT REPORTS AND COURT XXXX AND THEY STILL ALLOW THEM TO PLACE IT BACK ON MY CREDIT FILE. IM NOW LOSING MY HOUSE DUE TO MY BANK IS CALLING THE LOAN IN BECAUSE OF THIS XXXX ACCOUNT THATS NOT EVEN MINE. NOW IF I LOSE MY HOUSE BECAUSE OF A LOAN THATS FRAUD AND EQUIFAX CLEARLY HAS THE RIGHT DOC TO PERM BLOCK THIS ACCOUNT I WILL FILE LAWSUIT AGAINST EQUIFAX. I SUED XXXX AND WON AND THEY WILL NEVER REPORT THIS ACCOUNT AND ITS PERM BLOCKED. PLEASE REMOVE AND BLOCK THIS ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I arranged with a friend in XXXX to purchase a used washer/dryer and refrigerator. Her parents were downsizing and getting rid of things while they moved. We agreed to XXXX part of the funds since I did not have XXXX pay. I Zelled {$500.00}. I found out within an hour that the persons XXXX was hacked and that their parents were not moving nor selling anything. The money I sent was sent to a fraudster. 

I filed a fraud report with Wells Fargo Bank ( XXXX claim XXXX ) and they did not do anything. I also filed a report with my local police department ( City of XXXX Police Department case # XXXX ) and with the Internet Crime Complaint.gov site ( XXXX complaint XXXX ) both of which I updated my Wells Fargo Bank XXXX XXXX for reference.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Re : Complaint Regarding XXXX XXXX XXXX and Violation of Consumer Protection Laws Dear Consumer Financial Protection Bureau, I am filing this formal complaint against XXXX XXXX XXXX regarding its failure to protect consumer data, resulting in the massive 2017 data breach, which exposed sensitive personal information, including names, Social Security numbers, birth dates, addresses, and in some cases, drivers license numbers. Despite the passage of time, XXXX continues to mishandle consumer data and fails to provide sufficient remedies to affected individuals like myself. 
Facts of the Complaint Exposure of Personal Data : As a result of the XXXX breach, my personal information was exposed to unauthorized third parties without my consent. 
Failure to Notify in a Timely Manner : XXXX failed to notify affected consumers, including myself, in a timely and transparent manner, violating legal standards under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Inadequate Remediation : The remedies offered, such as free credit monitoring, are insufficient to mitigate the long-term risks of identity theft and fraud. 
Failure to Maintain Reasonable Security Practices : XXXX violated the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 ( b ), which requires financial institutions to protect the security and confidentiality of customer data.

Ongoing Harm : Despite corrective measures, I have experienced fraudulent activity and credit issues as a direct consequence of the breach.

Legal Violations Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 


1681b : XXXX failed to properly restrict access to consumer information. 
1681e : XXXX failed to implement adequate procedures to ensure consumer file accuracy and security. 
Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 et seq.

6801 ( b ) : XXXX failed to implement safeguards to ensure the security of sensitive consumer data. 
Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 et seq.

5531 ( a ) : XXXX engaged in unfair, deceptive, and abusive acts or practices ( UDAAPs ) by failing to disclose the breach promptly and misleading consumers about their security measures. 
Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ) umer data and not adequately notifying affected consumers. 
XXXX engaged in unfair and deceptive trade practices by failing to protect consumer data and not adequately notifying affected consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: FL

Complaint narrative:
I have made numerous attempts to address this issue by submitting disputes and complaints. I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: IL

Complaint narrative:
I recieved an Email from the Department of Ed on XXXX That says that my loans are forgiven due to XXXX Tech closing down. They are on my credit report. I want them off as soon as possible.. They are hard to get ahold of by phone with ridiculous wait times and sometimes hang up on you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: FC HoldCo LLC
State: GA

Complaint narrative:
I didn't authorize this hard inquiries and didn't receive the service expected. This took place on XX/XX/year>2023 2023

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Portfolio recovery is violating the FCRA. Porfilio recovery is refusing to acknowledge a payment of {$580.00} per their own records. Proof of payment has been provided in the screenshot below. I have contacted portfolio recovery to try and have this removed from my credit report due to their error and they have refused. Per their own website they are showing this payment was made but will not reflect the payment in the balance. Please remove from credit report due to erroneous reporting!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: MO

Complaint narrative:
I am a victim of Identity Theft due to the Equifax and XXXX  data breaches. After recently reviewing a copy of my credit report, there are accounts and inquiries on my report that I do NOT recognize. Please delete them immediately. Thank you. 
Accounts : XXXX XXXX XXXX # : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX 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 Hard Inquires : XXXX XXXX XXXX : XX/XX/year>

Company response to consumer: Closed with non-monetary relief