vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-04 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: ID Analytics, Inc.
State: CA

Complaint narrative:
I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information. 
I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: FL

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute Regarding Equifax 's Inadequate Investigation Dear CFPB Representative, I am writing to formally dispute the handling of my complaint against Equifax regarding inaccurate reporting on my credit report. My primary concern is that Equifax is reporting my consolidated loan with XXXX twice, which has negatively impacted my credit profile. 

I have submitted multiple complaints to Equifax requesting a thorough investigation into the duplicate reporting of my loan. Despite my efforts, Equifax has failed to adequately address my concerns. Their response stated that they verified the accounts and confirmed that they belong to me. However, they did not acknowledge my primary issue : that I have one consolidated loan with XXXX, account number XXXX, and it is being reported as two separate accounts. 

The details provided by Equifax in their response included the following : - Trade : XXXX XXXX XXXX XXXX - Equifax verified that this item belongs to me and stated that the account has been updated with additional information. 
- Both instances of this trade line appear to indicate that they belong to me without addressing the duplication issue I raised. 

I want to clarify that I have never denied the loan is mine ; my concern is solely about the erroneous duplicate reporting. I have provided supporting documentation to substantiate my claim, yet Equifax continues to disregard my request to remove the duplicate account. 

I believe that Equifax has not conducted a thorough investigation as mandated by the Fair Credit Reporting Act, and their failure to resolve this matter is causing me considerable distress. I respectfully request that the CFPB look into this issue to ensure that Equifax complies with the necessary regulations and provides a fair resolution to my dispute. 

Thank you for your attention to this matter. I appreciate your assistance in helping me resolve this issue with Equifax. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX ( XXXX ) XXXX [ XXXX XX/XX/XXXX Via Certified Mail Return Receipt Requested XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Re : Dispute of Unverified Debt CFPB Complaint Pending Account Number : XXXX To Whom It May Concern, I am formally disputing the validity of the debt that you are reporting to the credit bureaus under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2. Your company has failed to provide proper notification of this debt or evidence that I am legally responsible for it. Additionally, your failure to provide written notification before reporting it to the credit bureaus constitutes a violation of my consumer rights. 

Under 15 U.S.C. 1692g, a debt collector must provide the consumer with a written validation notice within five days of initial communication. I have not received any such notice, and therefore, I dispute the validity of this debt. Furthermore, under FCRA 15 U.S.C. 1681b, you do not have my express permission to report any information about me to the credit bureaus without proper validation. 

Additionally, in XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ) **, the court held that a debt collector must validate the debt before attempting collection. As I was never given an opportunity to dispute or verify this debt before it was reported, you are in direct violation of this precedent. Furthermore, the failure to notify me before reporting the debt constitutes **negligent and willful noncompliance** under 15 U.S.C. 1681n and 1681o, making your agency liable for damages. 

I am demanding the immediate **cessation of all credit reporting activities** related to this account and the removal of this item from my credit report. If this matter is not resolved promptly, I will have no choice but to file a formal complaint with the **Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. ** Additionally, I reserve the right to seek legal action for any continued violations of my rights under the FDCPA and FCRA. 

Please provide written confirmation within 15 days that this debt has been removed from my credit report. Failure to comply will result in further legal action. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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: Global Credit & Collection Corporation
State: MI

Complaint narrative:
Here is a formal letter template you can use to address the credit company regarding negligence and non-compliance with civil liberty laws. Be sure to customize it with specific details relevant to your situation. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2025 Subject : Formal Complaint Regarding Negligence and Non-Compliance with Civil Liberty Laws To Whom It May Concern, I am writing to formally address an issue concerning your companys negligence and non-compliance with applicable credit reporting and civil liberty laws. My account, associated with [ your account number ], has been negatively impacted due to [ describe the specific issue, such as incorrect reporting, failure to respond to disputes, unauthorized actions, etc. ]. 

As a consumer, I have the right to fair and accurate credit reporting under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. However, your company has failed to comply with these obligations by [ explain how the company has been negligent, such as failing to investigate disputes, providing false information, or engaging in unfair practices ]. 

I request that you take immediate corrective action by : 1. Investigating the issue and providing a written response within 30 days.

2. Correcting any inaccuracies and ensuring compliance with federal and state regulations.

3. Providing a detailed explanation of why this negligence occurred and what measures will be taken to prevent further violations. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and legal counsel if necessary. I expect a response by [ reasonable deadline, e.g., 30 days from the date of this letter ]. 

Please consider this a formal request for compliance, and I urge you to address this issue immediately. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-02-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: SC

Complaint narrative:
I have a XXXX XXXX XXXX that I purchased from XXXX XXXX XXXX in XXXX, XXXX in XXXX. They are a buy here, pay here company that has in-house financing. I made payments just fine, everything is going good for several years. In XX/XX/XXXX, I receive an email informing me that my loan had been sold to Westlake Financial and I will now be making payments through them, cool. I made the account, informed them that I had just joined XXXX XXXX XXXX and would like my interest rates dropped according to the XXXX. Well, that email was completely ignored. Fast forward to XXXX of XXXX, I am struggling a little to make my payments on time due to the XXXX not paying me right for around 6 months, so I was getting behind on some things. It was at this time that I requested my interest rate/payments get lowered ( refinancing my loan ) so I can afford it. They said they would get back to me while they verify all of the information. In XX/XX/XXXX, they finally get back to me with some options. I selected Option B ( as seen in attached file dated XX/XX/XXXX ) which states : " Interest Rate Benefit applied to reduce or cover monthly payments {$1000.00}. Your adjusted APR is 6.00 %. Effective : XX/XX/XXXX. Your next monthly payment amount is {$14.00} and is due on XX/XX/XXXX. Your adjusted currently monthly payment amount is {$190.00} and will begin with your payment that is due on XX/XX/XXXX. '' Cool, awesome. Monthly payments cut in half, interest rate dropped to 6 %, I am all about it. I have the payments on autopay, that first {$14.00} gets taken out smoothly and I'm not worried about anything. Due to negligence on my part, I never checked the app or my bank account for several months to verify that everything was as it should have been. I try to log on to the app in XXXX to see what my payoff is on the vehicle and it tells me my account is past due and that I needed to give them a call. I called to figure out what was going on, they told me that the monthly charges of {$380.00} weren't going through. As you can see, this is quite a shocker to me. They also said I didn't have autopay set up at all which I found to be alarming. I spoke on the phone with customer service for over an hour, fought with them, and eventually got back in contact with XXXX ( Director of Compliance for Westlake ). They informed me that the original agreement never should have said monthly, it should have said bi-monthly, and now I owed back around {$1500.00} because of this. I told them no repeatedly and that they need to fix this. I agreed on specific terms. They did not honor those specific terms, made me fraudulent, and now probably are getting ready to repossess my vehicle and/or send the loan to collections.

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 2025-02-04 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: KY

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:XXXX as 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. ACCOUNTS : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-02-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I cancelled my services with XXXX in XX/XX/XXXX. They failed to process the cancellation. 

Capital One, who I've trusted for 18 years, failed to protect me, its customer, by allowing XXXX to charge a cancelled credit card. Charges occurred between XX/XX/XXXX and XX/XX/XXXX. 

When I called Capital One, they filed a dispute with XXXX. 

They insisted this is " a Visa problem '' and " they can't control XXXX. '' They informed me of a program that automatically updates credit card information so merchants can charge customers. 

If they know of this program, why would they not notify all customers? 

And if they now know specifically that XXXX uses this type of program, why are they failing to flag all accounts with XXXX charges and sending a notification to their customers to confirm the payment is approved. 

Yes, it shouldn't have taken me 14 months to catch this. That's why I bank with institutions I trust. Capital One is no longer an institution I can trust. 

This is a breach of security and a complete failure by a financial institution not to protect the customers trusting them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Subject : Urgent Request for Resolution Incorrect 1098 Form and Overpayment Issue Dear CFPB Representative, I am writing to formally bring to your attention an issue regarding the sale and reporting of my home property on XX/XX/year>. The IRS has informed me that an incorrect Form 1098 was provided for the tax year XXXX  by my mortgage servicer : NEWREZ LLC DBA Shellpoint Mortgage Servicing XXXX XXXX XXXX XXXX, SC XXXX Customer Service : ( XXXX ) XXXX Loan Number : XXXX Despite my repeated attempts to address this matter with the mortgage servicer, I have not received any meaningful assistance. Over the past three weeks, I have made multiple requests to correct this issue. Most recently, I spoke with a supervisor named XXXX XXXX, who provided me with ticket # XXXX in response to my request. However, I have yet to see any progress in resolving this issue. Additionally, I have concerns regarding an overpayment during my loan payoff. On XX/XX/year>, the XXXX XXXX XXXX forwarded {$360000.00} to the mortgage lender, while the exact payoff amount was {$360000.00}, resulting in an overpayment of {$910.00}. I have not received an explanation as to where these excess funds were allocated. This mortgage servicer has consistently been difficult to work with when addressing issues, not only with this matter but also since the original loan date. I have attached supporting documentation to substantiate my claims, including records that indicate an IRS interest and penalty assessment exceeding {$250000.00} due to the incorrect 1098 form. I am requesting the CFPBs assistance in ensuring that Shellpoint Mortgage Servicing promptly corrects Form 1098 and provides an explanation for the overpayment. This correction is critical so that the IRS can accurately update my records. Thank you for your time and attention to this matter. I look forward to your prompt response and resolution. Please feel free to contact me at your earliest convenience. Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: FL

Complaint narrative:
I have had requested the credit bureaus to fix several incorrect information on my credit report and they have not done so. I also sent them an identity theft report and they still not removing the incorrect information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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: FL

Complaint narrative:
I have had requested the credit bureaus to fix several incorrect information on my credit report and they have not done so. I also sent them an identity theft report and they still not removing the incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
On XX/XX/year> I attempted to make contact with the credit bureau Transunion. However, I was not able to reach them. Theres an account listed on my credit report that is not accurate. The type of account is inaccurate. The reporting date is inaccurate, and the balance is not correct.

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 2025-02-04 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: NJ

Complaint narrative:
I am filing this complaint for inaccurate reporting and unfair reinvestigation practices in violation of the FCRA specifically 1681i ( a ) ( 1 ) ( A ), 1681e ( b ), 1681i ( a ) ( 5 ). Despite my detailed dispute, Equifax failed to correct clear discrepancies in my credit report and appears to have accepted inaccurate information without proper verification or never conducted a reinvestigation in general. According to my records ( See Exhibits ) Equifax asserts that all information reported is 100 % accurate and doesn't retains correction but the exhibits shows that Equifax is reporting that I made a payment in XX/XX/year>, and did not may a payment on XX/XX/year> which conflicts with both my records and the lenders records XXXX XXXX XXXX XXXX ). Additionally in XX/XX/year> Equifax simultaneously report me as 90 days past due for both XXXX and XX/XX/year>, which is impossible. You can not be 90 days past due two months in a row. The credit report lists a balance of {$34000.00}, whereas the deficiency balance on my records is {$34000.00}. 
Additionally, Equifax reports the deficiency date as XX/XX/year> when, according to my documentation, it should be XXXX XXXXThese inconsistencies prove that Equifax did not properly verify the disputed information. I respectfully request the CFPB to investigate this matter. XXXX actions suggest a disregard for FCRA procedures and consumers rights to accurate credit information. Given that the CFPB is already involved in legal actions against similar practices, I urge the Bureau to take notice of this additional instance of improper handling.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: CO

Complaint narrative:
Was renting an apartment through a complex. Finished my lease term. They overcharged me for the last month owed and would not tell me why they were charging me for such a high amount. They told me I was unable to sign a new lease due to late monthly rent payments. I attempted to call and email asking for a statement of what the charges were for, if they had a security deposit that was not refunded to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
Well I signed into my credit card account. And found the following companies reporting on my XXXX report and XXXX report : XXXX. XXXX XXXX XXXX XXXX. Lvnv funding LLC 3. Lvnv funding LLC 4. XXXX and associates Apparently these companies which are reporting their tradeline against my XXXX and XXXX reports are collection agencies. I have attempted multiple times to get these collection agencies to verify the debt. None of them can provide me physical documentation that I owe any debts. 

All these companies are reporting as original creditors on my transunion and XXXX reports when they are clearly collection agencies. None are able to provide me with any proof of debt. I have never entered any contract or financial business with these companies. Again they are collection agencies not creditors. But they are reporting on my credit reports as creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: TX

Complaint narrative:
The ongoing errors on my report are not only frustratingtheyre outright harmful. My score is being dragged down by information that is either incorrect or cant be verified, and its costing me opportunities Ive worked so hard to earn. It feels incredibly unfair that Im being punished because of these mistakes.

Company response to consumer: Closed with non-monetary relief