vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am requesting immediate deletion of the inaccurate account, correction of personal information, and confirmation of these actions in writing. 
I am filing this complaint against Experian for failing to comply with the Fair Credit Reporting Act ( FCRA ). On or about XX/XX/year>, I sent Experian a formal dispute letter requesting verification of the account and removal of inaccurate personal information from my credit report. 

In that same dispute, I also included a court document from XXXX XXXX, which shows that one of the accounts in question was dismissed with prejudice by a judge meaning this debt was ruled as not valid and should have been permanently removed from my credit report. 

Experian responded with a letter dated XX/XX/year> claiming these accounts were verified. However, they failed to provide any actual proof or documentation as required by FCRA 611 ( 15 U.S.C. 1681i ) to validate the accounts. They ignored the court ruling entirely and kept the account on my report. Experian also failed to remove inaccurate and outdated personal addresses, even though that was part of my dispute request. 

After receiving their response, I sent a formal demand letter on XX/XX/year>, giving them additional time to correct these errors. To this day, Experian has not removed the account that was dismissed by the court, nor have they corrected the personal address information or provided valid documentation for the other disputed accounts. 

This is a clear violation of my rights under the Fair Credit Reporting Act and has caused ongoing damage to my credit and financial standing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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 XXXXXXXX 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 explanation
Consumer complaint received 2025-04-21 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 XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: NC

Complaint narrative:
I am an XXXX XXXX XXXX XXXX XXXX who experienced documented financial hardship during a military PCS and divorce proceeding. During this period, I incurred derogatory marks on XXXX XXXX XXXX credit card accounts due to temporary nonpayment while navigating legal disputes over financial responsibilitiessome of which were ultimately assigned to me, and others to my ex-spouse, by court order. These delinquencies occurred while I was under XXXX protection, actively serving, and managing severe transitional and financial strain. 

I formally requested a goodwill adjustment and correction of reporting errors from XXXX XXXX. My request cited my XXXX eligibility, the equitable distribution terms of my divorce decree, and the fact that I have since brought the accounts current and maintained timely payments. I also provided supporting documentation and requested account history verification. 

XXXX XXXX responded with a generic denial and did not address the legal or military context of the request. These negative marks continue to affect my credit profile, despite my improved standing, and now pose a significant barrier to securing housing for my children and fulfilling my obligations as a single parent and active-duty service member.

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 2025-04-21 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX, has violated my right XXXX XXXX XXXX Section XXXX A States I have the right to privacy XXXX XXXX XXXX Section XXXX A Section XXXX. It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
NewRez LLC, my mortgage servicing company, opened an unauthorized escrow account even after I provided proof that I had already paid my property taxes in full. Despite this, they increased my mortgage payment by {$87000.00} to {$2100.00} and are incorrectly claiming that I owe a balance of $ XXXX tax payements they never made. 

I sent XXXX written notices to NewRez LLC XXXX on XX/XX/2025, and another on XX/XX/2025 explaining that they had made an error by sending a duplicate tax payment to my township for taxes I had already paid prior to their payment. I have been responsible for paying my own property taxes and homeowners insurance for the past 13 years, as outlined in my mortgage agreement, and I submitted documentation confirming this to NewRez LLC. 

Even after providing clear proof that my taxes were paid in full and notifying them of their mistake, NewRez LLC created an escrow account showing a negative balance of {$4700.00} and, without my consent, increased my monthly mortgage payment by {$850.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Im filing a complaint about incorrect personal information on my credit report. The report is full of inaccurate details that need to be corrected.These kinds of errors can negatively affect my credit standing, and I want to make sure my file reflects accurate and verified information

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 2025-04-21 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: GA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: CO

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: M&T BANK CORPORATION
State: NE

Complaint narrative:
I was qualified and approved for the XXXX XXXX Mortgage program, and have done all the paperwork for it and received the final paperwork from M & T bank. XXXX  paid M & T bank on XXXX XXXX, 2024 in full for my Mortgage and M & T has failed to transfer the mortgage to XXXX as well as they are still trying to collect monthly payments from me when they dont own the mortgage any more.

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 2025-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to follow up on my previous correspondence dated XX/XX/year>, in which I disputed the following collection account on my credit report pursuant to my rights under the Fair Credit Reporting Act ( XXXX  ), the Fair Debt Collection Practices Act ( XXXX  ), and the Consumer Financial Protection Act ( XXXX ) : * * Creditor/Collection Agency Name : XXXX XXXX BANK XXXX XXXX XXXX * * Account Number : XXXX * * * * Amount : - {$1700.00} * * * * Date of Account : XX/XX/year> * *

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
THIS ACCOUNT WAS CHARGED OFF ON THE FOLLOWING DATE ( XXXX XXXX  of XXXX  CHARGE OFF ) SINCE THEN THE ACCOUNT HAS REPEATEDLY BEEN UPDATED AS CHARGED OFF EVERY MONTH. THIS IS AN UPDATE IN THE PAYMENT HISTORY. A CHARGED OFF ACCOUNT SHOULD NOT INCLUDE AN ACTIVE PAYMENT HISTORY. THIS INACCURATE INFORMATION FALSELY MANIPULATES THE STATUTE OF LIMITATIONS. YOU FAILED TO INVESTIGATE THIS ACCOUNT PROPERLY AND YOUR NEGLECT HAS VIOLATED MY RIGHTS. I AM DEMANDING A DELETION OF THE FOLLOWING ACCOUNT : XXXX  XXXX XXXX Account number : XXXX As you can see, the high balance in one credit bureau is different from the others, which is inappropriate. 

I attached a photo below that is highlighted showing the error.

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 2025-04-21 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XX/XX/XXXX CARD ACCOUNTXX/XX/XXXXXXXXXX/XX/XXXX, has violated my right 15 U.S.C XXXX Section XXXX A States I have the right to privacy 15 U.S.C XXXX Section XXXX A Section XXXX. It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XX/XX/XXXX CARD ACCOUNTXX/XX/XXXXXXXXXX/XX/XXXX, has violated my right 15 U.S.C XXXX Section XXXX A States I have the right to privacy 15 U.S.C XXXX Section XXXX A Section XXXX. It also states a consumer reporting agency can not furnish an account without my written instructions

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 2025-04-21 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX and this is not a third party filing this. I am writing to express my concerns regarding the investigation practices of the XXXX major credit bureaus : Experian, TransUnion, and Equifax. Many consumers, including myself, have experienced significant difficulties when dealing with inaccuracies in our credit reports and the subsequent investigations launched by these bureaus. 

Despite the Fair Credit Reporting Act requiring that these agencies conduct fair and thorough investigations into disputes, the reality has often been different. There are numerous reports from consumers suggesting that the investigation process is neither thorough nor transparent. Many disputes receive cursory reviews, with inadequate attention given to supporting evidence provided by consumers. 

Additionally, the timelines for resolving disputes appear to be frequently extended, with little communication from the bureaus regarding the status of these investigations. This lack of transparency fosters distrust and raises questions about whether consumers ' rights are being adequately protected. 

The practices employed by these credit bureaus can have serious repercussions on consumers access to credit, employment opportunities, and overall financial health. As such, I urge the CFPB to investigate these practices and ensure that the rights of consumers are upheld. It is vital that these agencies adhere to regulations and provide consumers with the protection they deserve.

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 2025-04-21 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX and this is not a third party filing this. I am writing to express my concerns regarding the investigation practices of the XXXX major credit bureaus : Experian, TransUnion, and Equifax. Many consumers, including myself, have experienced significant difficulties when dealing with inaccuracies in our credit reports and the subsequent investigations launched by these bureaus. 

Despite the Fair Credit Reporting Act requiring that these agencies conduct fair and thorough investigations into disputes, the reality has often been different. There are numerous reports from consumers suggesting that the investigation process is neither thorough nor transparent. Many disputes receive cursory reviews, with inadequate attention given to supporting evidence provided by consumers. 

Additionally, the timelines for resolving disputes appear to be frequently extended, with little communication from the bureaus regarding the status of these investigations. This lack of transparency fosters distrust and raises questions about whether consumers ' rights are being adequately protected. 

The practices employed by these credit bureaus can have serious repercussions on consumers access to credit, employment opportunities, and overall financial health. As such, I urge the CFPB to investigate these practices and ensure that the rights of consumers are upheld. It is vital that these agencies adhere to regulations and provide consumers with the protection they deserve.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC 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 XXXX XXXX XXXX SECTION XXXX A. STATES I HAVE THE RIGHT TO PRIVACY. XXXX XXXX XXXX SECTION XXXX SECTION XXXX. 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 non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Spring Oaks Capital, LLC
State: NY

Complaint narrative:
Spring oaks capital called me on XX/XX/year> at XXXX, XXXX and XXXX. On Friday XX/XX/year> they called me at XXXX, XXXX and XXXX. Called me Saturday XX/XX/year> at XXXX and as of today on XX/XX/year> they called XXXX. They've called me more than XXXX  times in a XXXX  day period and won't stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-04-21 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 non-monetary relief
Consumer complaint received 2025-04-21 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:
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 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 2025-04-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
Rushmore XXXX XXXX XXXX. On XXXX, I sent in final balance of home loan check for {$54.00}. XXXX bill has ( Total amount due {$00.00} ) Same on XXXX bill. The XXXX bill Says {$2.00}. CALLED XX/XX/25 told I owe XXXX XXXX XXXX.- BECAUSE final check MUST be certified., AND they never cashed ( the final check of {$54.00} ) ( Sorry did not see check had not been cashed ) BECAUSE it was not certified. IT DOES NOT COUNT????. AND with interest I now owe the {$100.00}. 

ARE THEY NOW GOING TO TAKE MY HOUSE? WHAT A GREAT SCAM WOW

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

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 non-monetary relief