vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( XXXX ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within XXXX business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


XXXX Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA XXXX XXXX ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( XXXX ) ( A ) ( B ) ( i ) ( XXXX ). They must be deleted from my 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 non-monetary relief
Consumer complaint received 2025-02-27 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: AR

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported 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 account and 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 explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Zebit, Inc.
State: NC

Complaint narrative:
XXXX XXXX ( Debt Collector ) contacted me with an attempt to collect a debt for a company that no longer exists, and is not contactable ( Zebit Inc. ). Debt verification shows only original purchase agreement, does not include any payments made/missing. The original purchase receipt on a payment plan can not be counted as debt verification. XXXX XXXX claims since the original company is out of business and can not be contacted, further verification can not be done -- and they will continue their collection practices for the account. 

The account was paid in full years ago ( XXXX  ). No communication was ever received from Zebit Inc. directly about any missing payments.

Company response to consumer: Untimely response
Consumer complaint received 2025-02-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SLM CORPORATION
State: MN

Complaint narrative:
I live in XXXXXXXX XXXX XXXX In early XXXX of XXXX, I applied for a " XXXX XXXX '' loan with Sallie Mae online. The loan application was approved and the loan disbursement was mailed XXXX business days later. However, I never received the " physical check '' in the mail. In the days before and after XXXX, I was a victim of identity theft, with my Bank Accounts at XXXX XXXX drained. As part of this elaborate scheme, the Sallie Mae check was used to create a fraudulent account at a XXXX XXXXXXXX XXXX XXXX XXXX XXXX. This was the same bank that processed the withdrawals from my bank accounts. 

When the fraud was discovered, XXXX XXXX immediately froze the fraudulent account. However, their investigation into the account was only completed on XX/XX/XXXX. XXXX XXXX 's stance is that they need Sallie Mae to request a return of funds from them. Then, XXXX XXXX will send the proceeds of the " XXXX XXXX '' loan ( {$15000.00} ) back to Sallie Mae. XXXX XXXX claims they need the matter resolved by XX/XX/XXXX, or else the funds will be converted to a " unclaimed property account '' for some unknown state. ( probably XXXX  or XXXX  ). 

I called Sallie Mae on XX/XX/XXXX and informed them of the fraud situation, and I was told this was a matter that would be referred to the " back office. '' I have called Sallie Mae repeatedly, incurring as to what they are doing about the check that is frozen in a XXXX XXXX account. Generally, their stance has been : " we mailed the check ; we've completed our end of the agreement ; this is not our problem. '' However, I never received the check. Most recently, when informed of XXXX XXXX 's stance on needing a " return '' request, Sallie Mae was once again uncooperative. The entire time, Sallie Mae has been charging me interest on loan proceeds that I never received. In doing so, I believe Sallie Mae is in breach of our contract according to the loan agreement and Article three of the UCC. I am filing separate complaint against XXXX XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Asset Recovery Bureau LLC
State: MS

Complaint narrative:
This company has repeatedly sent emails to an address not provided to them by myself, when responded to requesting no phone or email communication only written communication they then proceeded to text a number they were told to not call. I have requested information and they have chosen to ignore my request and continue to harass me for payment via email and text.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had several inaccuracies on my account. Please remove this account from my report. It is hurting my ability to obtain credit. It is to my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate. 

XXXX XXXXXXXX

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 2025-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bounce AI, Inc.
State: NC

Complaint narrative:
Bounce AI ( Debt Collector ) contacted me with an attempt to collect a debt for a company that no longer exists, and is not contactable ( XXXX XXXX ). Debt verification shows only original purchase agreement, does not include any payments made/missing. The original purchase receipt on a payment plan can not be counted as debt verification. Bounce AI claims since the original company is out of business and can not be contacted, further verification can not be done -- and they will continue their collection practices for the account. 

The account was paid in full years ago ( 2019 ). No communication was ever received from XXXX XXXX directly about any missing payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-02-27 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I get an average of XXXX calls a day from all different numbers. It is a credit card I can not pay at this time. ( XXXX credit card ) But now I am getting random charges on my debit card and my last credit card for random things I did not purchase. I think it is the credit company trying to garnish my wages by making it look like just everyday purchases. My debit and XXXX credit card have now been shut down due to these fraudulent charges. This has made it hard to pay or purchase ANYTHING. Even gas at this point. If it is them, that can not be legal. I want to press charges.

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 2025-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Dear to whom it may concern : I recently pulled up my Experian report and I noticed a derogatory remark on there.

Under 15 USC 1692cc : ( c ) Ceasing communication If aconsumernotifies adebtcollector in writing that theconsumerrefuses to pay adebtor that theconsumerwishes thedebtcollector to cease furthercommunicationwith theconsumer, thedebtcollector shall not communicate further with theconsumerwith respect to suchdebt, except ( 1 ) to advise theconsumerthat thedebtcollectors further efforts are being terminated ; ( 2 ) to notify theconsumerthat thedebtcollector orcreditormay invoke specified remedies which are ordinarily invoked by suchdebtcollector orcreditor ; or ( 3 ) where applicable, to notify theconsumerthat thedebtcollector orcreditorintends to invoke a specified remedy. 
If such notice from theconsumeris made by mail, notification shall be complete upon receipt. 

Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

Your failure to positively verify these accounts has hindered my ability to obtain credit.It has also damaged my mode of living, my character, and much more. 

Under the Fair Credit Reporting Act, unverifiable accounts must be DELETED and if you can not provide me a copy of verifiable proof, you must DELETE the account listed below.

Im giving your company 15 days to respond to this matter. 

Failure to respond to this matter will result in legal actions pursued against your company. 

I demand that the following account be validated or DELETED immediately : Original Creditor : XXXX XXXX Account Number : XXXX Debt Collector : XXXX  XXXX XXXX XXXX Best Regards, 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 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I want to be absolutely clearI did not authorize this company to pull my credit report, nor was I aware of any legitimate reason or transaction that would justify them accessing my credit. This inquiry is in violation of the FCRA, which requires that credit inquiries be made only for permissible purposes, such as a transaction initiated by me or for a credit application I have made. As there was no such authorization from my side, this inquiry should not be 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 non-monetary relief
Consumer complaint received 2025-02-27 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: DISCOVER BANK
State: GA

Complaint narrative:
I had a dispute with discover for credit card fraud from identify theft where someone rented a vehicle in my husbands name and charged it to our credit card from XXXX XXXX. I opened a dispute with discover who told me the claim was denied despite this being identify theft and despite me letting them know I was in contact with XXXX who advised I must file the claim with them. I reached out on numerous occasions being escalated when asked to provide proof on how this is denied when this is 100 % fraud with no responses. They closed my account sending me my card to collections and never returning calls with information on their investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Hello, My husband had a XXXX check that he deposited into our joint account at Citi Bank in XXXX XXXX we received a message stating that the funds will be available on XX/XX/XXXX, when we called because the check was placed on hold, we've been contacting them almost every day because we have to pay some bills and finally i spoke with this representative at the branch and she told us that she was finally able to reach out to fidelity to verify the check and it is confirmed to be a valid check and that to allow XX/XX/XXXX hours the account will be back to active and the funds will be available. I called in today and they are telling me I need to wait XX/XX/XXXX days to receive the funds. It has been almost a whole month despite the typical check holding policies outlined under regulation cc. I have attempted to resolve this matter through multiple previous calls but i have not received a satisfactory response or release of funds. I am requesting a written explanation for this excessive delay and immediate access to my money. This delay has caused me financial hardship where i have missed a car payment. I am even considering taking legal action for 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 non-monetary relief
Consumer complaint received 2025-02-27 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
We have an inaccurateXX/XX/XXXX lien on our house. 
We reached out to the original servicer SHELLPOINT for the release of the lien and never got a response so we filed a complaint with CFPB and was told that SLS servicing on XX/XX/XXXX purchased the loan and it was then recoded to an unsecured lien status. Shellpoint, SLS and NewRez were merged in XX/XX/XXXX so they should be responsible for the release of lien on the home as it was an UNSECURED LIEN and should no longer have been a secured lien as of XXXX when when SLS purchased it and SLS is owned by Shellpoint.

We were told by Shellpoint that our unsecured lien was purchased by XXXX XXXX in XXXX of XXXX. 
We now can not find any XXXX XXXX address or contact. I called any number I could find online and left 8+ messages and never heard back along with emails sent to the only email address I could find for XXXX XXXX. 
I spoke with our real estate lawyer and they advised we reach out AGAIN to the CFPB in regards to the inaccurate information as SHELLPOINT/SLS/NewRez would be the release of lien holder as they held the loan when it was recoded to unsecure and SOL had run out .

We are now in a situation that if this is not provided, we will have to resort to a law suit as this has taken a ton of time, missed money and stress due to inaccurate information from Shellpoint.

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 2025-02-27 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: PA

Complaint narrative:
My account with EQUIFAX EXPERIAN 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.

EQUIFAX EXPERIAN 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 response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: LA

Complaint narrative:
I disputed the collection through XXXX XXXX. The company did not respond within their XXXX window, and my scores through neither bureau have been updated, so the collection remains. I'm disputing this collection again because they're constantly reporting false information/charges without getting the proper confirmation or updated charges from the companies involved. I will attach the XXXX XXXX dispute for records that state they did not receive a response and this should be removed from all XXXX bureaus IMMEDIATELY until the company can legitly prove ownership of a collection. They have been reporting inaccurate information and the bureaus have yet to remove the collection entirely, I have not received anything or heard back from anyone in regards to this debt. This is ILLEGAL reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
I received a letter from the City of Chicago to repair my porch in XXXX, and after that, I can not just call and get information about my home, I am current on the mortgage, taxes, and insurance. There is no reason for withholding information about my home.

Company response to consumer: Closed with explanation