vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-03 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: PA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

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 2025-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

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

Company 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 2025-02-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX FL XXXX XXXX2025 Collection Agencys Name and Address Cavalry portfolio Services Dear Sir/Madam : I am writing in regards to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. 
I am disputing this debt because I do not owe it. 
Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report infor- mation correctly, violates the Fair Credit Reporting Act. 
Finally, please note that I do not wish to receive further telephone calls or letters concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C.

1692 ( c ).

Thank you for your attention to this matter.

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
We had a 2nd mortgage with XXXX XXXX  and the loan was sold to XXXX servicing after a XXXX that occured in XXXX. We contacted XXXX specialized loan servicing ( this was in XXXX ) and they told us they could not do anything due to the XXXX. I never received any letters or communications until XXXX. Never received any statements or demands for payments. Then out of the blue they sent us a notice of default. This seemed very strange as in XXXX we refinanced our first mortgage with XXXX XXXX and at the time a title search was done on the property and the so called XXXX lien did not show up. The home was refinanced and a full insured title policy was issued. In XXXX we refinanced again and no lien ever showed on title to XXXX and we did receive a full final title insurance. Now we are getting threats from Shellpoint Mortgage who states the took over the loan from XXXX and they are stating we owe them over XXXX and saying they will be filing a notice of default. We have outstanding credit and are very concerned that this will effect our ratings. I have sent letter out to prove that they do not have any outstanding mortgage on the home and i sent a full title policy showing it was insured with the XXXX refinance but they still keep sending us letters saying they are going to forclorse on our home. I have sent a demand letter to resind the notice of default, i have requested verification of the debt from them, i have requested cessation of collection activities as well but still no action on their part.

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 2025-02-03 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, theTRANSUNION credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX - XX/XX/XXXX XXXXXX/XX/XXXX - XX/XX/XXXX XX/XX/XXXX - XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX- XX/XX/XXXX XXXX OF XXXX - XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XXXX XXXX - XX/XX/XXXXXX/XX/XXXXXXXX - XX/XX/XXXX XXXX OF XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXXXX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXX- XX/XX/XXXXXX/XX/XXXXXXXX - XX/XX/XXXX XX/XX/XXXX- XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-02-03 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: TN

Complaint narrative:
I did not open these accounts and believe them to be fraudulent. I request a thorough investigation and removal from my credit report. Supporting documents are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Complaint Against Equifax for Failure to Remove Disputed Account I, XXXX XXXX, am filing a formal complaint against Equifax for failing to remove an account from my credit report despite receiving official confirmation from the creditor that the account should be deleted. 

On XX/XX/XXXX, the creditor who originally reported the accountXXXX XX/XX/XXXX( related to Beauty and Health ) and XX/XX/XXXX me documentation stating that the account would be removed within 1 to 4 business days. However, as of XX/XX/XXXX, one account remains on my report. 

I promptly contacted Equifax and provided them with the necessary documents proving that the creditor instructed all three credit bureaus to remove the account through an XXXX XXXX XXXX (XX/XX/XXXX) form, which is a direct order to delete the account, not a request for a new dispute. Despite this, Equifax has failed to comply. Instead, they opened a new dispute without my request and are now claiming they have another 30 days to investigatefurther delaying the removal of an account that should have already been deleted. 

I expedited my documents to Equifax via next-day shipping, ensuring they received all relevant proof. However, they continue to report inaccurate information, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and a potential data breach. Their negligence has caused me significant emotional distress, XX/XX/XXXX, and financial hardship, including missed workdays. 

I am requesting immediate removal of the inaccurate account from my credit report. Additionally, I am considering legal action against Equifax for : 1. Failure to follow the FCRA by not correcting inaccurate information in a timely manner.

2. Data breach and negligence in handling my credit report.

3. Emotional distress and financial damages resulting from their failure to act.

I demand an urgent resolution to this matter and the immediate deletion of the incorrect account. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: GA

Complaint narrative:
My complaint is in reference to SallieMae. My total loan payment is {$490.00} in total. I have requested for several months over the past 2-3 years a lowered amount. One of the loans original amount was {$5000.00}, I have been paying anout {$150.00} on the loan since 2021 and my loan amount has only gone down {$530.00}. I informed them that I moved and changed jobs which resulted in a decrease to my salary and they could not provide me with any assistance in lowering my monthly payments. I informed them when I lost a job and their response was to just pay what you can and once the loan goes into default they may be able to assistance in lowering the monthly payment. SallieMae has been a predatory company, they are not doing things any differently than when they were under the name XXXX. They are taking advantage of vulnerable populations that need funding for school and offering ridiculous interest rates that result in paying 3x the amount originally charged.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: FL

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 
XXXX XXXX XXXX XXXX XXXXXXXX - This is completely inaccurate. - I believe this is reporting inaccurately. 
XXXX XXXX XXXX XXXXXXXX - This is completely inaccurate. - I believe this is reporting inaccurately. 
XXXX XXXX XXXX XXXX XXXXXXXX - The term that is being reported is reporting inaccurately- This is not mine - please remove this inaccuracy from my report XXXX XXXX XXXX - XXXX - The term that is being reported is reporting inaccurately- This is not mine - please remove this inaccuracy from my report XXXX XXXX XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - The following inquiry was not authorized and should not be reporting

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 2025-02-03 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:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 
XXXX XXXX XXXX XXXX XXXXXXXX - This is completely inaccurate. - I believe this is reporting inaccurately. 
XXXX XXXX XXXX XXXXXXXX - This is completely inaccurate. - I believe this is reporting inaccurately. 
XXXX XXXX XXXX XXXX XXXXXXXX - The term that is being reported is reporting inaccurately- This is not mine - please remove this inaccuracy from my report XXXX XXXX XXXX - XXXX - The term that is being reported is reporting inaccurately- This is not mine - please remove this inaccuracy from my report XXXX XXXX XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - The following inquiry was not authorized and should not be reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 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 formally dispute certain entries on my credit report related to closed accounts that are inaccurately reported as having late payments. These entries are negatively affecting my credit history, and I am requesting their immediate removal in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

Specifically, the accounts listed XXXX - XXXX - This is paid as agreed and should not be reporting negatively on my report.are closed but still show late payments. These reports are unjust and create significant obstacles to accessing credit and financial opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 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 formally dispute certain entries on my credit report related to closed accounts that are inaccurately reported as having late payments. These entries are negatively affecting my credit history, and I am requesting their immediate removal in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

Specifically, the accounts listed XXXX - XXXX - This is paid as agreed and should not be reporting negatively on my report.are closed but still show late payments. These reports are unjust and create significant obstacles to accessing credit and financial opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: General Motors Financial Company, Inc.
State: OH

Complaint narrative:
I have 200 hard inquiries right that should not be on there and saying my payment are late student loan forgiveness still on there that was supposed to been off there my credit score was up now it low

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
Dear, LVNV Funding LLC This letter serves as formal notice to you and any affiliates that you must immediately cease and desist from disclosing, disseminating, or conveying any informationwhether written, verbal, electronic, or otherwiseregarding me to any third party. This includes, but is not limited to, the sharing, reporting, or publication of any personal, confidential, or sensitive information without my express written consent. 

Your actions constitute an invasion of my right to privacy and may violate applicable laws, including but not limited to Privacy Act of XXXX  5 U.S.C. 552 Disseminating or reporting my information to third parties without authorization is a direct violation of my privacy rights and may subject you to legal liability. 

You are hereby instructed to immediately : Cease and desist from any further disclosure, discussion, or distribution of any information related to me. 

Refrain from using any mediumsuch as social media, emails, text messages, phone calls, or verbal communicationsto convey information about me to any third party. 

Destroy or delete any records or documentation that contain my private information. 

Failure to comply with this demand will result in legal action being taken against you, including but not limited to seeking damages, injunctive relief, and any other remedies available under the law. Additionally, be advised that continued violations may result in a lawsuit in which you may be held responsible for all associated legal costs and damages incurred as a result of your actions. 

Please provide written confirmation of your compliance with this demand no later than 10 business days. If you fail to do so, I will pursue all available legal remedies. 

This letter serves as formal notice of my rights and should not be construed as a waiver of any legal claims I may have against you now or in the future. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: AL

Complaint narrative:
My mortgage servicer, Shellpoint, has not paid my property taxes. They were due in XXXX with a final due date of XX/XX/XXXX. They have still not paid my property taxes, which are now delinquent. If they are not paid by XX/XX/XXXX, my house will be sold at a tax auction. My escrow account is properly funded with enough money to more than cover my property taxes. It is nearly impossible to get them on the phone and even then they are not helpful.

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 2025-02-03 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: MD

Complaint narrative:
" I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. 

You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected. 
"

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