vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-09 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: TX

Complaint narrative:
Reported incorrect addresses names and inquiries and haven't been fixed on XXXX XXXX, Equifax, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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:
I am contacting you as a victim of the Data Breach. Since my information was compromised, I am invoking my rights under 15 USC 1681c-2 ( a ) to request that any fraudulent accounts associated with my identity be permanently blocked and deleted from my credit file. Please take the necessary actions to ensure that any unauthorized or fraudulent accounts, as detailed in the accompanying documentation, are blocked and removed from my records. 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: TX

Complaint narrative:
I am contacting you as a victim of the Data Breach. Since my information was compromised, I am invoking my rights under 15 USC 1681c-2 ( a ) to request that any fraudulent accounts associated with my identity be permanently blocked and deleted from my credit file. Please take the necessary actions to ensure that any unauthorized or fraudulent accounts, as detailed in the accompanying documentation, are blocked and removed from my records. 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 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

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 2025-01-09 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: AL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax XXXX XXXX Subject : Request for Investigation and Removal of Negative Items Dear Equifax, XXXX, XXXX I am writing to formally dispute certain items that appear on my credit report dated [ XX/XX/year> ]. The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have reviewed my credit report, and I believe that the entries listed above contain inaccuracies or outdated information that do not accurately reflect my credit history. 

Provide a brief explanation of why these items are inaccurate ( e.g., paid off, incorrect balance, identity theft, etc. ). Be sure to include any relevant evidence you might have, such as payment receipts, correspondence with the creditors, or identity theft reports. ] According to the 15 U.S. Code 1681 Fair Credit Reporting Act, I am entitled to dispute inaccurate information contained in my credit report. I kindly request that you investigate these accounts and confirm their accuracy. If you find that these accounts are indeed inaccurate, I ask that you remove them from my credit report as soon as possible. 

Please find enclosed copies of any supporting documentation that substantiate my claims. I appreciate your prompt attention to this matter and look forward to your response. 

Thank you for your help in resolving this issue. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: TN

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
There is a alias name and two addresses that dont belong to me on Experian consumer 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 2025-01-09 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: CA

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Personal Information Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/scrub>/2020 Employers : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: NY

Complaint narrative:
XX/XX/XXXX I opened my new square account for payments taken from friends and family for services done by my small business. I just finished a series of projects for a friend and they paid me once for them all. On XX/XX/XXXX using the TAP TO PAY function my friend gave me permission to charge his credit card. The amount i was owed by them totaled {$980.00}. I entered that amount, and square added a 2.6 % + {$0.00} fee of {$27.00} for using tap to pay ( which i was never told ) and also a 7.3 % fee of {$71.00} making the total charge to my clients card {$1000.00} to which only {$1000.00} of that was deposited to my account. 
Immediately i had a {$0.00} balance still showing up but had seen this before with my husbands account. I left it a lone for a bit. Customer service said they needed to verify my account it would be released to me shortly. Then on XX/XX/XXXX i was alerted my funds would be held and my account was deactivated. No reason why or what i did to have that happen with my XXXX single payment i took. They also said theyd hold my funds until XX/XX/XXXX. Customer service wouldnt tell me what i did or why my account was inactive. They refused to let me speak to a XXXX and were rude and condescending every communication with them. After a recent issue where they charged me for a loyalty service i never got to use and never told me to unsubscribe because although they deactivated me, i would still be charged if i didnt select unsubscribe. So XX/XX/XXXX i was charged 2x {$10.00}. I then unsubscribed and called again. They said i would be refunded. I asked about my funds and they said theyd be returned to the customers card on XX/XX/XXXX. 

Few days later on XX/XX/XXXX despite unsubscribed to the service i was again charged 2 times more for {$10.00}. Upon calling yet again. I was met with rudeness and a condescending representative who told me i didnt get charged and didnt know what i was talking about. The money was removed from my bank twice. He said no it wasnt and they couldnt refund me cause they didnt receive it. 

I got XXXX refund. Not the second and have yet to get my funds released. I want my funds released to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: MOHELA
State: MO

Complaint narrative:
MOHELA had searched and contacted XXXX in-laws that have nothing to do with this debt or who need to know any information about my personal and private financial matters. This is disruptive and intrusive to my in-laws and unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: CA

Complaint narrative:
I have discovered that my personal information was used without my authorization to open accounts and conduct transactions that I did not initiate. I strongly assert that these accounts and transactions are fraudulent, resulting from identity theft or fraud. Despite promptly reporting this issue to the appropriate authorities and the involved companies, the matter remains unresolved, and the fraudulent accounts and charges persist on 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 2025-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I called NewRez Mortgage Servicing LLC on Tuesday, XX/XX/XXXX to request removal of my PMI. At that time, my loan-to-value was 79.89 %. I have made on-time payments for my home loan since my loan was transferred to NewRez. The last time I made late payments for my loan was in XXXX and XXXX of XXXX. At that time my loan was being processed by a different servicer. 
When I spoke with the representative, I was informed that someone from NewRez would be reaching out to me within three to seven business days regarding my request. That did not happen. 
I did not receive a phone call nor did I receive any correspondence by mail regarding my request. 
I called to follow-up on the status of my request on Friday, XX/XX/XXXX. Per the representative that I spoke with, my request was still in progress. When I requested to speak with the NewRez representative who was handling my request, I was told that I could not be transferred. Not because the representative was unavailable, but because there was no NewRez representative working on my request. When I asked for any documentation/notes on my account, I could not be provided with any. Again, because no NewRez representative was working on my request. 
Today is XX/XX/XXXX and I still have not heard from any representative nor have I received any mail correspondence from NewRez regarding my request. 
Just as there are expectations that consumers should follow ; the same should apply for service providers like NewRez. I am not asking NewRez for a favor, I am requesting cancellation of my PMI, which is well within my right as a homeowner. I am very disappointed with their failure to handle my request in a timely manner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: NV

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: NV

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-01-09 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 am writing to formally dispute inaccurate information on my credit report as permitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Upon reviewing my credit report, I discovered discrepancies in the reporting of last payment dates for closed accounts. These inaccuracies are violations of FCRA requirements to ensure accurate and fair reporting of consumer information, specifically under 1681e ( b ), which requires that credit reporting agencies maintain reasonable procedures to assure maximum possible accuracy. 

The accounts with discrepancies are as follows : XXXX. XXXX XXXX Account Number : XXXX Reported Last Payment dates XXXX LAST PAYMENT DATE ( XXXX XXXX ) Experian LAST PAYMENT DATE ( XXXX XXXX ) XXXX. XXXX XXXX XXXX  Account Number : XXXX Reported Last Payment Date XXXX last payment date ( XXXX XXXX ) Experian last payment date ( XX/XX/year> ) XXXX. XXXX XXXX Bank Account # : XXXX XXXX last payment date ( XX/XX/year> ) Experian last payment date ( XXXX XXXX ) XXXX XXXX XXXX XXXX Account # : XXXX XXXX last payment date ( XXXX XXXX ) Experian last payment date ( XX/XX/year> ) XXXX XXXX XXXX Account # : XXXX XXXX last payment date ( XXXX ) Experian last payment date ( XXXX ) XXXX XXXX  Account # : XXXX XXXX last payment date XXXX XXXX XXXX ) XXXX last payment date XXXX XXXX XXXX ) These accounts are closed, and the inaccuracies are a violation of 1681c ( a ) of the FCRA, which governs the inclusion of outdated or incorrect information. Furthermore, these discrepancies likely result from the data furnishers failure to comply with 1681s-2 ( a ) of the FCRA, which mandates accurate reporting of consumer information.

In addition to these discrepancies, I have also been the victim of identity theft, which I have officially reported to the Federal Trade Commission ( FTC ). I have attached my FTC Identity Theft Report as part of my formal dispute. Due to the fraudulent nature of these accounts, I am requesting the immediate removal of these accounts from my credit report. These inaccuracies are materially damaging to my credit and can not be verified, therefore I am requesting their deletion as per my rights under FCRA 1681i ( a ), which entitles me to dispute and remove unverifiable information.

As required under FCRA 1681i ( a ) ( 1 ), you must investigate and resolve this dispute within 30 days.

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 2025-01-09 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:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: TX

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-09 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: MI

Complaint narrative:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF 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 2025-01-09 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: IL

Complaint narrative:
My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( 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 section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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 section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

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