vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-12 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I, XXXX XXXX, am submitting this statement to report an incident of identity theft that has significantly impacted me. I recently discovered unauthorized activity involving my personal information, which was used without my knowledge or consent. 

Upon reviewing my financial and personal records, I identified fraudulent activities, e.g., unauthorized accounts opened, fraudulent transactions, misuse of Social Security Number. I did not authorize these actions, nor did I grant permission for anyone to use my identity for these purposes. 

I have taken immediate steps to secure my identity, see attached identity theft 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 2025-02-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: 2288984 Ontario Inc.
State: MI

Complaint narrative:
On XX/XX/year> money key teceived two payments from me. The first payment came from my bank at XXXX for the amount XXXX. Then I made a payment with my XXXX card for XXXX. They credited the account only XXXX payment of XXXX. They instead say it takes XXXX to XXXX business days to credit the account yet XXXX shoes my payment of XXXX was credit to them on XXXX it shows it cleared the other payment from my XXXX card cleared on XXXX. This is unfair debt practice they do this so they can collect more interest it has been well over 3 days and they have refused to show me where they credit the account XXXX payments. I made them a promise that I would make this complaint against them I also told them to close this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: FL

Complaint narrative:
I have attached documentation from the appropriate authorities to support my claims. I would be grateful if you could promptly remove the fraudulent entries from my credit report and take the necessary steps to rectify any inaccuracies or fraudulent activities because I already file a complaint again for these items.

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 2025-02-12 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: FL

Complaint narrative:
I have attached documentation from the appropriate authorities to support my claims. I would be grateful if you could promptly remove the fraudulent entries from my credit report and take the necessary steps to rectify any inaccuracies or fraudulent activities because I already file a complaint again for these items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
Hello, I am reaching out for assistance with my new mortgage servicing company not releasing insurance money they received for a fire claim for my home. I have submitted all documents they've requested since XX/XX/2024 and they continue to refuse to send the money with no reason. This was money they received from my insurance policy at the time of servicing transfer from XXXX XXXXXXXX XXXX to ShellPoint Mortgage. The fire occurred on XX/XX/2024 and I can not rebuild due to their handling of my claim and requests continually being ignored. This is devastating and causing extreme financial hardship. Please help. 

Thank you, 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 2025-02-12 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: GA

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 2025-02-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 non-monetary relief
Consumer complaint received 2025-02-12 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.

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward 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 explanation
Consumer complaint received 2025-02-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : as XXXX evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. XXXX XXXX  XXXX, Number : 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 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am writing to formally dispute an inaccurate collection account currently being reported on my credit file. I have no recollection of this alleged debt, and I can guarantee that you are falsely reporting incorrect information. This account is completely invalid, and I never signed any agreement with the agency in question. 

XXXX  XXXX  XXXX ( Original creditor : XXXXXXXXXXXX  ) 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 2025-02-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law.

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 2025-02-12 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: VA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transaction were authorized. However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. 
This issue appears consistent with the recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initial having adequate funds. I believe these practices are deceptive and unfair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
My information has been compromised in multiple data breaches over the last five years. During this time, a payday loan and a XXXX account were fraudulently opened in my name. Over the past four years, my family and I have been harassed with phone calls at all hours, despite having no business with these companies or receiving any prior correspondence. 

I have repeatedly attempted to dispute these items on my credit report but lacked the knowledge and resources to do so effectively. Now, I am aware of Section 605B of the FCRA regarding identity theft and am prepared to use all available resources to have these fraudulent items removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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 interested in processing disputes on my credit report to delete a remove all unauthorized items listed on my file. I am a victim of identity theft an have no knowledge of the accounts listed. This has caused major denials an needs to be reviewed an deleted asap. None of the accounts are following the FCRA guidelines. Please review an remove the listed accounts asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward 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 2025-02-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
I have contacted NewRez on SEVERAL occassions to have the PMI removed because I am below 80 % XXXX ratio. They never send me the information I need to have it removed. I have requested the PMI cancellation authorization form be emailed to me because I do not get any mail from them when I put in a request online. The only mail I receive is a letter saying they are behind and will follow up shortly. They NEVER send the form. I have tried calling to speak to someone. I have used the chat feature. They all tell me the same thing. " It will be sent '' and then it NEVER gets sent. If you use the chat feature they end the chat on you before your problem is resolved. I will be seeking legal guidance if I do not get PMI canceled as they are now STEALING from 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 2025-02-12 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: FL

Complaint narrative:
On XX/XX/year> I was XXXX moving into my first student housing apartment XXXX hours away from home to attend my XXXX  year of university. However when I arrived to move, the place was filthy. So my mother suggested that I leave Apt . complex XXXX and sign a lease somewhere else. So on that day around XXXX my mother and I, under immense amount of stress, go to an Apt complex XXXX ( the one that sold the debt ) and requested to sign a lease there. Apt complex XXXX informed us that although we signed a lease, we may not be accepted and we also were asked to pay money for the lease to be accepted. They also informed us it was the choice of the person who already occupied the Apt . whether I can stay so I was given their contact information in order to ask for personal permission. The managers on shift also gave my mother their personal contact information in case we needed anything else because they sensed the urgency and helplessness of the situation given the fact that I lived nowhere near XXXX and would have no where to go. 

Around XXXX XXXX  we left to back to Apt complex XXXX  and seen that it had been cleaned so I decided to stay where I originally signed a lease. During that time, we were on a time crunch because my mother had work later that night and she lived XXXX hours from where we were so we had to move in quickly. 

After I moved in to Apt XXXX, my mother let me know that she had informed the manager at around XXXX through text message that I would no longer be needed to move in and to cancel the process. She read the message but did not reply. At that time also I had still not been approved for the apartment. 

My mother informed me that she also did call the office and was informed by and employee on shift that they would pass the message along. 

On XX/XX/XXXX I was refunded the money i paid for the lease to go through. At that time I thought that everything was ok and it had been cancelled. I was also never contact verbally or by phone by anyone from Apt complex XXXX I normally have my phone as my preferred method of contact. 

According to my email, on XX/XX/XXXX I was sent an email by Apt complex XXXX, however I did not see it until the time the debt had already been sold. 

They sold my debt with the claims that I owe rent but how can I owe rent to a property I never lived in AND if they also acknowledged the cancellation of my lease by sending me a refund back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to formally dispute the delinquent accounts listed on my credit report. Upon reviewing my report, I was alarmed to discover that my personal information has been shared without my explicit consent, resulting in the dissemination of inaccurate and incomplete data. This has caused me significant distress and raises serious legal concerns regarding your companys compliance with federal regulations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to formally dispute the delinquent accounts listed on my credit report. Upon reviewing my report, I was alarmed to discover that my personal information has been shared without my explicit consent, resulting in the dissemination of inaccurate and incomplete data. This has caused me significant distress and raises serious legal concerns regarding your companys compliance with federal regulations.

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 2025-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I would like to be reimbursed for the reported transaction

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have XXXX Capital One credit cards and each has a different interest rate. I called Capital One to have the lower interest rate applied to the card with a higher base interest rate ( XXXX ). Capital One applies the base interest rate at the time the account was opened and will NEVER change it. Capital One will allow you to open another account to get a lower interest rate based on your credit score, how ever they WILL NOT allow you to transfer any balance on an old Capital One credit card to a new Capital One account with a lower interest rate. I believe this is an unfair and illegal business practice, and if not illegal, it should be made illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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 a victim of identity theft, which resulted in fraudulent accounts being opened in my name after my wallet, containing my ID and Social Security card, was stolen. Additionally, my personal information was compromised due to the XXXX and Equifax data breaches, which likely contributed to the fraudulent activity. As a result, the following fraudulent accounts were reported on my credit file : XXXX XXXX XXXX Credit Bureau XXXX ( Account # : XXXX ) XXXX XXXX  XXXX  ( Account # : XXXX ) I have provided an FTC Identity Theft Report and a police report verifying the fraud. Despite submitting a dispute to the credit bureaus under FCRA Section 605B ( 15 U.S. Code 1681c-2 ), these accounts have not been blocked from my credit file within the required XXXX-day period.

Company response to consumer: Closed with non-monetary relief