vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-25 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:
I am submitting a complaint against XXXX XXXX for inaccurate and misleading credit reporting, failure to follow proper dispute procedures under the Fair Credit Reporting Act ( FCRA ), and refusal to provide adequate resolution. 
I made multiple and timely payments on my XXXX XXXX auto loan. Due to their system mistakenly flagging XXXX of my payments as a duplicate, my account was marked late. I spoke to XXXX different XXXX XXXX representatives who confirmed my payments were showing as successful and told me there was no past-due balance - their mobile app and online portal also showed no outstanding amount due. 

Months later, when I called for clarification as to why I was receiving a late charge, I was informed my account was behind, and late payments had already been reported to the credit bureaus Equifax and XXXX reporting a late payment in XXXX, and XXXX showing a late payment in XXXX. This adds to the inaccuracies. 

I submitted a written dispute directly to XXXX XXXX. Their only response was a letter asking me to call them. When I called, they refused to provide any written findings or conclusions, despite the FCRA requiring furnishers to conduct a reasonable investigation and provide results. The supervisor was dismissive, rude, and stated that despite not listening to the entire call, she had already decided XXXX XXXX would not remove the late mark. 

I asked for call transcripts and a written decision. I was told I would need legal representation to access my own call history, and that they would not send me written documentation of their final decision. 

I am requesting the CFPB investigate this matter and that the late payment be removed from all credit bureaus due to XXXX XXXX  failure to : Conduct a complete and fair investigation, Provide written findings, Accurately report consistent information across credit bureaus, and Take accountability for the misinformation given to me that directly caused the late reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: NY

Complaint narrative:
Jefferson Capitol LLC XXXX XXXX XXXXXX/XX/XXXX Account numbers XXXX XX/XX/XXXX- XXXX, XXXX has been repeatedly calling me and texting me infinity, mail and reporting previously on my credit report with all XX/XX/XXXXcredit borrows

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
On XX/XX/XXXX, I mailed a check to my mother 's XXXX XXXX XXXX XXXX XXXX, in XXXX, XXXX. The check was intercepted and was deposited into an individual 's account at XXXX XXXX XXXX XXXX. I contacted Chase in XX/XX/XXXX to complain that my check had been deposited somewhere other than XXXX 's bank account. See copy of the check below. Chase took my complaint over the phone, but did not file a claim on my behalf. Per banker instruction, I made an appointment in advance, travelled XXXX hour to my nearest bank branch on XXXX XXXX, XXXX, and filed a declaration regarding the stolen & deposited check. Chase has done nothing on the claim, and now says that they are denying it based on the fact that my declaration was made more than XXXX  days after I wrote the check. I am appealing this denial based on the fact that I informed Chase about this in XX/XX/XXXX, within a month of the issue. They should have opened the claim then, so that was banker error that they did not - nor did they give me any option to file a declaration without me driving to their nearest branch over an hour away. In addition, Chase should not have allowed my check, made out to XXXX XXXX, to have been deposited in a random person 's account. I have filed a police report with XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: TX

Complaint narrative:
For as long as XXXX years I have tried everything to make the needed updates to this reporting agency file for me, after several attempts and complaints with the agency I had made complaints with the CFPB, I have since come across this lawsuit and I believe Ive been impacted negatively by all XXXX violations at some point as you can see from the previous complaints still available for viewing I have these accounts that need removal and are scheduled to be removed in the near future, Id like to use this complaint to ensure compliance and not be altered or over extended or verified through recent disputes. Please remove all information for accounts listed from my EXPERIAN Credit reports and please set this account aside for harm consumer penalty fund. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
On XX/XX/year> I contacted Experian, XXXX and XXXX free annual reports and requested printed reports to be mailed to my address. I received only XXXX report from XXXX. 
On XX/XX/year>, I called back Experian and XXXX to inquire if my reports had been mailed, I was able to speak to a person at XXXX, who reissued a report and varied that my first request on XX/XX/year> failed to process a reports. 
Experians automated system would not connect me to a live agent, so I could inquire on the status of my first request for my credit report made on XX/XX/year>. I was on an endless loop in the automated system and was eventually hung up on by the system. I attempted a second call to reach a live agent, and it was a repeat of my first attempt. I am extremely frustrated since I had all my information leaked in several breaches this past year. They are making it impossible to access a person who can understand the situation.

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 2025-03-25 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: AZ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-03-25 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: AZ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
I cant do this with Shellpoint / Newrez Mortgage Services anymore, I am being lied to, not given current breach letter and they said I am in foreclosure, I asked them for lawyers name and number and called them. This file is closed and has been closed for years!!! They are saying I am in foreclosure to prevent me from getting help for my arrears, they have told my investors I am in foreclosure but its a lie, I called lawyer today. They never sent me a breach letter, they gave me XXXX from my previous mortgage servicer from XX/XX/XXXX. I am trying to get a reasonable repayment plan, but because they have everyone believe if I am in foreclosure when I am not they gave me this XXXX down payment. I also could be making payments again not in foreclosure ( talked to lawyer today XX/XX/XXXX ). I am getting no help from this company, lies lies lies! I am behind but I could have been making payments but they would not let me because they say I am in foreclosure, not true. I have sent disputes to newrez but no answer. This company is really really bad, I cant describe how bad this company is. I wish someone would realize the truth and see all the bad bad things they are doing. How can you tell someone they are in foreclosure and I have worried and cried cause I didnt know what to do, my husband is in home XXXX XXXX, he is XXXX, I am stressed so much and this company has added to my stress. The email me a voided breach letter from XXXX but never gave me a breach letter from Shellpoint. This is against the law and lender misconduct, but they will get a slap on hand and told to ruin more people life. I cant believe that this company is allowed to disregard every law and policy and walk away. Someone needs to hold Shellpoint/ Newrez accountable.

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 2025-03-25 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: PA

Complaint narrative:
I am writing to formally dispute several accounts listed on my credit report that were opened as a result of identity theft. My personal information was compromised in the XXXX data breach, leading to the fraudulent opening of accounts in my name without my knowledge, consent, or authorization. 
The following accounts are fraudulent, inaccurate, and must be immediately removed and blocked from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As a victim of identity theft, I am invoking my rights under 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), which mandates the blocking of fraudulent information from my credit report. In accordance with Section 605B of the FCRA, I am requesting the immediate removal of these fraudulent accounts, which must be completed no later than four business days from your receipt of this notice. 
PLEASE SEE ATTACHED SUPPORTING DOCUMENTS

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 2025-03-25 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: NV

Complaint narrative:
I submitted a complaint against these Bureaus a month ago, yet the incorrect information on my report persists. To my surprise, I have not received any communication from the Bureaus, and they have already closed my complaint. Can you clarify why my complaint was closed without addressing the issue? Have they acknowledged or verified my dispute? I require confirmation that they have thoroughly investigated the inaccuracies on my report and validated the accounts. Additionally, could you provide information on the verification methods they employed? This situation is extremely frustrating, as it has been over 30 days since I filed the complaint, and I anticipated updates to these accounts by now. If they are not updated promptly, I will be compelled to consider legal action due to the significant stress this has caused. Furthermore, I am worried about the security of my personal data, especially in light of the Equifax, Experian, and Transunion data breach.

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 2025-03-25 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: FL

Complaint narrative:
I hope this message finds you well. I am writing to formally dispute the inaccurate information currently listed on my credit report. Upon reviewing my report, I noticed discrepancies that do not reflect my actual credit history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
Money taken from my cashapp account with being authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: IL

Complaint narrative:
I am writing to have the following information removed from my credit file. I am a victim of identity theft. I DID NOT apply for the item on my credit report. I ask that this item 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 this item deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-03-25 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: IL

Complaint narrative:
I am writing to have the following information removed from my credit file. I am a victim of identity theft. I DID NOT apply for the item on my credit report. I ask that this item 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 this item deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-03-25 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 am writing to have the following information removed from my credit file. I am a victim of identity theft. I DID NOT apply for the item on my credit report. I ask that this item 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 this item deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I DEMAND Cease and Desist Demand ( 15 USC 1692 ( a ) ( B ) ) This letter also serves as a formal cease and desist demand under the Fair Debt Collection Practices Act ( FDCPA ), Section 15 USC 1692 ( a ) ( B ).

Under this law, I am requesting that you immediately cease and desist from : Reporting or sharing any information related to this account or debt under my personal information with any third parties, including credit reporting agencies.

Engaging in any further collection activities that violate the provisions of 15 USC 1692 ( a ), which prohibits abusive, deceptive, or unfair debt collection practices.

Failure to comply with this demand will constitute a violation of federal law and may result in legal action.

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 2025-03-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 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 non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I have no acknowledgment of this account XXXX  XXXX XXXX not only do I have no acknowledgment of this account. They keep reporting this every single month. 

I want to report I want to dispute some inaccurate and unverifiable information. 
I have filed a complaint with the credit bureaus, but they continuously are leaving this on my report without proper debt validation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-03-25 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: TN

Complaint narrative:
I am a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the FCFIA and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: TN

Complaint narrative:
I am a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the FCFIA and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance.

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