vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute the collections account listed on my credit report under the account number referenced above. Under 15 U.S. Code 1681i, I have the right to dispute any information on my credit report that I believe to be inaccurate, incomplete, or unverifiable.

I demand that you conduct a full investigation of this account in compliance with Section 1681i ( a ), which requires that the information be verified, corrected, or deleted if it can not be substantiated. As per Section 1681s-2, it is also the responsibility of the furnisher of information to ensure the accuracy of the data they are providing to the credit bureaus. 
Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ), a collections account must be fully validated with supporting documentation from the original creditor. If such validation can not be provided, this account must be removed from my credit report immediately. 
I expect this matter to be resolved within 30 days as required by law, and I look forward to your timely response. 
Thank you for your attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: RoundPoint Mortgage Servicing LLC
State: VA

Complaint narrative:
I am a XXXX veteran who has real estate tax relief and use auto pay directly from my bank to my mortgage company every month on the first of the month. 

I also provided documentation of this to my mortgage company several times. 

My mortgage company overpaid my real estate taxes in XX/XX/XXXX and increased my escrow payment {$200.00} effective XX/XX/XXXX. This had happened with previous mortgage company and when I contacted them over the phone they told me to just continue with your regular payments as it may take a couple months to catch up.

I called them several times to explain my county had refunded the taxes and requested a escrow review. 

When an escrow analysis was conducted in XX/XX/XXXX, my payments were reduced an {$800.00} On XXXX XX/XX/XXXX I sent a certified letter to my mortgage company requesting all late fees on my account be remove and all negative reports to credit bureaus be rescinded. 

The mortgage company replied that they completed an escrow analysis on XX/XX/XXXX using real estate taxes and insurance raising my escrow requirements.They feel they are justified in charging me late fees and the negative reports they have sent ot the credit bureaus. 

Even though I consistently disputed the erroneous information on the taxes for they used for the audit. 

On XX/XX/XXXX the mortgage company performed a review of my escrow account and corrected escrow requirements and refunded me {$790.00} and decreased monthly escrow payments. 

I continued to pay my mortgage with auto pay directly from my bank every first of the month, I disputed the escrow amount. In XX/XX/XXXX, the mortgage company adjusted escrow correctly and confirming I was correct in my request. 

I do not believe I should be penalized with late fees and multiple negative credit reports when they refused to review the XX/XX/XXXX escrow analysis.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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:
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 explanation
Consumer complaint received 2025-01-30 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Subject : Violation of Fair Credit Reporting Act ( FCRA ) - Request for Resolution Details of the Complaint : The accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under the Fair Credit Reporting Act ( FCRA ), specifically under the provisions outlined in 15 U.S.C. 1681. 

* XXXX & XXXX XXXX. 
* XXXX * XXXX * XXXX * XXXX * XXXX The following violations apply : 1. 15 U.S.C. 1681 Section 602 ( a ) : This section guarantees my right to privacy. The dissemination of my personal account information has occurred without my consent, violating this right.

2. 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) : A consumer reporting agency can not furnish any information regarding my accounts without my explicit, written instructions. No such authorization was provided for the accounts listed above.

3. 15 U.S.C. 1681c ( a ) ( 5 ) : This section prohibits consumer reporting agencies from including adverse information in a report that antedates the report by more than 7 years ( excluding criminal convictions ). Adverse information tied to these accounts violates this time limit.

4. 15 U.S.C. 1681s-2 ( a ) ( 1 ) : A person or entity is prohibited from furnishing any information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. The furnishing of such inaccurate or outdated information has harmed my credit profile.

Requested Resolution : I respectfully request that these violations of the FCRA be corrected immediately by : 1. Removing the unlawful collections and adverse items associated with the accounts listed above from my credit report.

2. Investigating and addressing the improper furnishing and reporting practices that led to these violations.

3. Ensuring compliance with all relevant provisions of the FCRA going forward.

I trust the CFPB will assist in holding the responsible parties accountable and ensuring that my consumer rights are respected.

Supporting Documentation : I am prepared to provide supporting documents, including copies of credit reports and correspondence, to substantiate my claims.

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 2025-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: GLOBAL SOLUTION BIZ LLC.
State: OH

Complaint narrative:
I have received harassing phones calls and emails from XXXX XXXX at Global Solutions Biz, LLC in reference to my company, including contacting family members! However, I have not received any legal notice/letter of any debt through the physical verification of the original signed consumer contract according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). This is a violation of the both Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I have sent 2 Cease and Desist letters to Global Solutions Biz, LLC on XX/XX/XXXX and XX/XX/XXXX and yet I received another phone call from XXXX XXXX which is now evidence of a violation of the cease & desist on XX/XX/XXXX. 

GLOBAL SOLUTION BIZ, XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX You are hereby notified under the provisions of Public Laws 95-109 and 99-361, also known as the Fair Debt Collection Practices Act, that your services are no longer needed or desired in this matter.

You and your organization must CEASE & DESIST all attempts to collect the above debt. Failure to comply with this law will result in my immediately filing a complaint with the Federal Trade Commission and this state Attorney General 's Office. I will pursue all criminal and civil claims against your company. 

Let this letter also serve as your warning that I may utilize telephone-recording devices in order to document any telephone conversations that we may have in the future. 

Furthermore, if any negative information is placed on my credit bureau reports by your agency after receipt of this notice this will cause me to file suit against you and your organization, both personally and corporately, to seek any and all legal remedies available to me by law. Since it is my policy neither to recognize nor deal with collection agencies, I intend to settle my account with the original creditor, if I ever am able and the statute of limitations hasn't run out.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: EQUIFAX, INC.
State: TX

Complaint narrative:
The inquires below are fraud and needs to be removed from credit report. 

Inquiry details XXXX XXXX XXXX XXXX XX/XX/scrub> 2025 XXXX XXXX XXXX XXXX XXXX, 2025 XXXX XXXX XXXX XXXX XXXX XXXX, 2025 XXXX XXXX XXXX XXXX, 2025 XXXX XXXX XXXX XXXX XXXX XXXX, 2025 XXXX XXXX XXXX XXXX  XXXX XXXX, 2025 XXXX XXXX XXXX XXXX XXXX, 2025 XXXX XXXX XX/XX/scrub> 2025 2025

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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 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 non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: VA

Complaint narrative:
Cash app XX/XX/XXXX XXXX at a XXXX  XX/XX/XXXX XXXX XXXX  phone bill XX/XX/XXXX XXXX in florida for food. Contact customer service. Automated machine said they would get back to me. Never heard nothing back from cash app.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: DE

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 2025-01-30 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: CA

Complaint narrative:
XXXX XXXX XXXX sent me a closing statement of my account but my account should have been closed due to identity theft from the XXXX breach 3 months ago I been getting flagged as late they sent me a letter closing the account and it still shows as open

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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-01-30 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: OneMain Finance Corporation
State: NJ

Complaint narrative:
I am filing this dispute due to serious violations of federal and state privacy laws by OneMain, including the Gramm-Leach-Bliley Act ( GLBA ) and the NJ Identity Theft Prevention Act ( N.J.S.A. 56:11-44 ). OneMain shared my sensitive financial information with third parties, such as credit reporting agencies, without my knowledge, consent, or written authorization. This unauthorized reporting constitutes identity theft as defined by the FTCs identity theft guidelines and violates the permissible purpose standards under the Fair Credit Reporting Act ( FCRA ), which require proper authorization before reporting any account to credit agencies. By failing to offer me an opt-out option or obtain written consent, OneMain breached its obligations under the GLBA, which mandates safeguarding consumer privacy. This negligence has caused substantial harm to my financial reputation and peace of mind. The fraudulent account on my credit report misrepresents my financial behavior and has resulted in credit denials, higher interest rates, and emotional distress. Despite my multiple disputes, OneMain has failed to correct or delete the inaccurate account, demonstrating a pattern of willful noncompliance under 15 U.S.C. 1681n. Each day this issue persists worsens the damage to my creditworthiness and financial stability. I am requesting the immediate removal of this fraudulent account and written confirmation of its deletion. Additionally, I demand that OneMain implement measures to ensure that my personal financial information is not shared without proper consent in the future. If the matter is not resolved promptly, I will escalate this complaint through legal and regulatory channels and seek damages for the harm caused. I urge the CFPB to investigate OneMains handling of this issue and enforce corrective action in accordance with the law. Thank you for your attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXXXX/XX/XXXX # XXXX Account Name : UNIVERSITY XX/XX/XXXXXXXX XXXX # XXXX Account Name : XX/XX/XXXX # XXXX Account Name : XX/XX/XXXX # XXXX Account Name : XX/XX/XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XX/XX/XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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 am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I received a XXXX with the filer name Block Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX. This form listed myself as the payee which included my name address and my SSN. The form stated that I received funds totaling XXXX in the form of XXXX payment transactions, for the year 2024. The form has a merchant category, account number, and filers TIN. I contacted the phone number listed on the internet and was sent an email with instruction ref fraud. I was told that one of the affiliations for this company was Cash App. At no time have I ever downloaded or used this App on any device. I did as instructed per the email. One key factor was to contact company and close the account. When I called back to close the account, I was told I could not do that. Therefore, someone still has my information on their device and using my SSN to receive funds. I will be responsible for all monies issued fraudulently and will be responsible for taxes. I would also like to point out that I am not responsible for the earnings and would like this company to file a corrected XXXX along with a letter stating my information was used in a scam or fraud setting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
VICTIM OF IDENTITY THEFT DUE TO XXXX XXXX BREACH

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I recently looked at my credit report and noticed that I had several late payments, but I've never paid late. It's critical for consumer reporting companies ensure that ALL my information reported is accurate. I have never missed a payment on account # XXXX XXXX XXXX. I'm requesting an investigation be done on ALL discrepancies, and that the CFPB provides proof of these late payments. If no evidence can be found, then I request that their status be changed to reflect the true status to ' on time '.

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 2025-01-30 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:
My credit report contains inaccurate and mixed information, including accounts and transactions that have nothing to do with me. Despite my efforts to resolve this issue, these errors persist, causing unnecessary stress and negatively impacting my financial standing.

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