vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-10 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: TX

Complaint narrative:
I am writing to file a formal complaint against XXXX Credit Card. I recently discovered XXXX accounts listed on my credit report that I did not authorize and have no knowledge of. These accounts are with XXXX Credit Card. 

I have never conducted business with XXXX Credit Card, nor have I ever applied for or received any credit cards from them. I am concerned about the unauthorized use of my personal information to open these accounts. 

I am requesting your assistance in resolving this matter. I demand that XXXX Credit Card : Immediately remove these unauthorized accounts from my credit report. I require written confirmation that this has been completed. 
Cease all communication with me regarding these fraudulent accounts. I do not owe any debt to XXXX Credit Card, and any attempts to collect payment are unwarranted and unwelcome.

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 2025-02-10 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: IL

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 2025-02-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
On XX/XX/XXXX I was notified by my Homeowners Insurance that my coverage had lapsed ( since XXXX of XXXX ) because of non-payment from Shellpoint Mortgage. When I contracted Shellpoint, their response was " how were we supposed to know to pay the insurance if you never provided that information to us ''? Despite the fact that I am in escrow and they are accruing for insurance payments. 

Due to not paying my Homeowners insurance, Shellpoint had an overage in my escrow account of {$190.00}, which they sent me a personal check for around XX/XX/XXXX. I cashed the check with my bank and then was notified the check was cancelled by Shellpoint. When I called to discuss, the Agent did not know why the check was cancelled, but said there was a current overage of {$490.00} and they would send me another check. The check came for {$190.00}, which I cashed in XXXX. On my XXXX statement, they deducted the same {$190.00} and put it back in escrow. 

On that same phone call in XXXX, I also requested to have my PMI dropped, given the current outstanding loan balance is only $ XXXX of a $ XXXX loan and I've clearly met the loan/debt ratio. The agent said they would submit a request to have PMI researched and dropped. When I called to check the status XXXX XXXX  XX/XX/XXXX ) was told there is no way to drop PMI on an FHA loan despite the fact that I haven't missed a single payment in XXXX XXXX. 

The primary reason for calling Shellpoint today was to ask about the calculation of my interest rate. On my XXXX statement, I am being charged {$83.00} against a mortgage payment of {$450.00}, which is XXXX XXXX. I always overpay my mortgage each month, so in XXXX paid {$1000.00}, minus the {$190.00} they took to replace escrow, leaving {$720.00} to go towards principal. {$83.00} against {$720.00} is still XXXX XXXX. Or if calculated against my total payment of {$1000.00}, XXXX is still XXXX XXXX -- - NOT XXXX XXXX as it should be. When I asked the agent to explain their calculation to me, he said he needed to put me on a brief hold to " go find a calculator. they've taken our calculators away ''. When he returned, he could not get the " calculator to work '' and didn't know how my interest was being calculated, or why they are charging interest on my principal only payment, but he would have someone return my call in XXXX XXXX. I highly doubt any call with be placed.

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 2025-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: OH

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: CA

Complaint narrative:
My identity and data has been breached per all three bureau and I would like to have my credit report clear of all inquiries a well as my credit accurately reported I dont have any debit.

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 2025-02-10 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:
My identity and data has been breached per all three bureau and I would like to have my credit report clear of all inquiries a well as my credit accurately reported I dont have any debit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: VA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-02-10 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 have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 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: GA

Complaint narrative:
Experian has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ) by neglecting to conduct a reasonable reinvestigation of disputed information on my credit report. As a result, inaccurate and unverified accounts remain unresolved, violating my rights as a consumer. There are information on my credit report that is still inaccurate Furthermore, the Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against Experian, citing systemic issues such as : Failing to forward consumer-provided evidence to furnishers, Accepting unreliable responses from data furnishers, and Failing to adequately notify consumers of dispute outcomes. 
These failures align with my experience. Despite my formal disputes, Experian has neither corrected nor removed the inaccurate accounts, specifically : XXXX XXXX XXXX XXXX XXXX Experians continued inaction constitutes a direct violation of federal law, including but not limited to : 15 U.S.C. 1681i ( a ) Obligation to conduct a reasonable reinvestigation, 15 U.S.C. 1681e ( b ) Duty to maintain accurate consumer reports, and 15 U.S.C. 1681n & 1681o Liability for willful or negligent noncompliance. 
I demand immediate removal or correction of these accounts as required by law

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Repeated calls by the company after blocking them and reporting them. I have written notification saying that it has been 7 years and the debt is null and void.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: MD

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request that you promptly and decisively take action to remove the fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
I am writing to file a formal complaint against Aspire Credit Card. I recently discovered two accounts listed on my credit report that I did not authorize and have no knowledge of. These accounts are with Aspire Credit Card. 

I have never conducted business with Aspire Credit Card, nor have I ever applied for or received any credit cards from them. I am concerned about the unauthorized use of my personal information to open these accounts. 

I am requesting your assistance in resolving this matter. I demand that Aspire Credit Card : Immediately remove these unauthorized accounts from my credit report. I require written confirmation that this has been completed. 
Cease all communication with me regarding these fraudulent accounts. I do not owe any debt to Aspire Credit Card, and any attempts to collect payment are unwarranted and unwelcome.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
They have not been trying to resolve the problem.i gave reports from XXXX, still no answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: GA

Complaint narrative:
I am formally disputing the following negative items on my credit report : 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 XXXXXX/XX/XXXX These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally dispute inaccurate and unverifiable information appearing on my credit report. Under 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), I am requesting that these accounts be investigated and removed if they can not be properly verified. 

The accounts in question are : CREDIT COLLECTION SERVICES Opened : XX/XX/XXXXXXXX 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 XXXXXX/XX/XXXX Balance : {$3300.00} XXXX XXXX XXXX Opened : XXXX XXXX Balance : {$10000.00} I am disputing these accounts due to inaccuracies and/or lack of proper verification. According to FCRA, 15 U.S.C. 1681i, consumer reporting agencies must conduct a reasonable investigation and remove any information that can not be verified as accurate and complete. 

I request that you : Provide documentation proving that these accounts belong to me- as I never signed any contracts with any of the creditors listed with a wet signature, nor was I provided ID verification of agreement with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally dispute inaccurate and unverifiable information appearing on my credit report. Under 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), I am requesting that these accounts be investigated and removed if they can not be properly verified. 

The accounts in question are : XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$190.00} XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$220.00} XXXX XXXX Opened : XX/XX/XXXX Balance : {$400.00} XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$580.00} XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$3300.00} XXXX XXXX XXXX Opened : XXXX XXXX Balance : {$10000.00} I am disputing these accounts due to inaccuracies and/or lack of proper verification. According to FCRA, 15 U.S.C. 1681i, consumer reporting agencies must conduct a reasonable investigation and remove any information that can not be verified as accurate and complete. 

I request that you : Provide documentation proving that these accounts belong to me- as I never signed any contracts with any of the creditors listed with a wet signature, nor was I provided ID verification of agreement with them.

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 2025-02-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Synchrony bank tturn our account over to XXXX XXXX XXXX. to collect a debt on a credit card from lowes. Currently my husband is applying for XXXX for he has XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX so we were to pay. XXXX XXXX filed a lawsuit to collect the debt case XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. We then called a number given to us to call synchrony bank. We reach an agreement to pay XXXX dollars by the XXXX of the month. We have the bank statements and confirmation numbers for this. XXXX day on statement shows the lastest payment was pulled on the XXXX. The agreement was sent to XXXX XXXX XXXX on XX/XX/XXXX signed. Never received a response from XXXX XXXX, so we thought agreement was good. On XX/XX/XXXX we rthe courts asking for mediation and a bech trial. We thought issue was solved. I have made several attempts to reach XXXX XXXX XXXX. Where i waited over XXXX minutes on hold and the system after asking for a voicemail hung up on XX/XX/XXXX i lrft a message and receive no call back. On XXXX XXXX XXXX call synchrony bank said all turned over to XXXX XXXX XXXX and they claim they have no information on us. Please help.

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 2025-02-10 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: IL

Complaint narrative:
To Whom It May Concern : I am writing to formally dispute the information in my credit report related to [ specific accounts, bankruptcy entries, or inquiries ]. I believe Equifax has failed to fulfill its obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in conducting a reasonable reinvestigation and ensuring maximum possible accuracy of the information reported.

Key Issues : Failure to Conduct a Reasonable Reinvestigation Equifax is required to conduct a thorough and reasonable reinvestigation of disputed information under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). However, I believe Equifax has not adequately reviewed the evidence I provided or forwarded it to the appropriate data furnishers. 

Failure to Address Bankruptcy and Negative Accounts The disputed accounts include entries related to a bankruptcy filing that are either outdated, inaccurately reported, or entirely inapplicable. Equifax XXXX failure to rectify these inaccuracies violates its duty under the FCRA to ensure that consumer reports are accurate and complete. 

Failure to Investigate Improper Inquiries Hard inquiries listed on my report, which were not authorized by me, have remained despite my dispute. According to the CFPB 's lawsuit ), Equifax has failed to reinvestigate disputes regarding hard inquiries unless identity theft or fraud was specifically alleged, which directly violates the FCRAs requirements. 

Improper Use of Dispute Codes Inadequate or generic dispute codes were applied, as referenced in the CFPB lawsuit, leading to mischaracterization of my dispute. This prevents accurate review and resolution by the furnishers. 





My Request : Under the FCRA : I demand that Equifax conduct a reasonable reinvestigation of the disputed items and provide me with clear documentation of the findings. 

Any information found to be inaccurate, incomplete, or unverifiable must be modified, corrected, or deleted as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

Notify me of the outcome within the statutory timeline of 30 days, as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( A ). 

If Equifax continues to fail in meeting its statutory obligations, I will consider filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office. 

I have attached the following documents to support my dispute : ( See Attachments ) Please confirm receipt of this letter and respond promptly. I expect Equifax to uphold my rights under the FCRA and take immediate corrective action to address these issues. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: EQUIFAX, INC.
State: MT

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX 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 XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
This account was charged off and it was paid after after the charge off. However, after being charged off I should have been sent a 1099c and this debt should have been completely removed from my credit report.

Company response to consumer: Closed with explanation