vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Netspend Corporation
State: FL

Complaint narrative:
On XXXX XXXX, my Netspend bank account was closed. At first they did not want to tell me the reason why, after insisting, they finally told me that it was closed because of the last transactions I was making in my account. They found it suspicious and they closed my account. I asked for my money back and they didn't give it back. I have in my bank account {$1900.00}. They gave me XXXX options for the money : a gift card to make online or in-store purchases. I did not accept the gift card because this money is for my rent, which I did not pay because they closed my account. Then they told me they would send me a check in XXXX working days to my address. I accepted that because they did not want to give me my money. It seems to me that what they are doing is illegal and I need help to get my money back, because I don't believe that I will receive my money in 20 days. not only this happened today XXXXXXXX XXXX  I get my direct deposit sent to my account that is closed so I did not receive it. I working on getting my paycheck but the company said that they could send a check like in 5 days to my mail. SO, i have no money to pay my bills. All my money is in my account. I tried to open a bank account they told me that I have to at least have to deposit {$5000.00} so I could not open the account because I have no money at all. I feel helpless and if my rent gets 2 month late they will send me a XXXX notice for eviction, so as you see because of this I am drowned in debt. Please help me. Thank you. 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 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: TSC Accounts Receivable Solutions
State: TX

Complaint narrative:
XXXX from TSC Account Solutions ( XXXX ) XXXX continues to call after being asked to stop contacting me. I went to XXXX XXXX XXXX XXXX  when I worked in XXXX. It was supposed to be a free visit. XXXX has continued to call from various numbers marked Spam for {$250.00} debt. 

XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
This is a government-backed mortgage with Fannie Mae XXXX Sold to Shellpoint, who have done nothing but mess up this account over & over. 
I have requested this mortgage be sold to any other co. but Shellpoint/New Rez , yet here we are, with them still screwing this account up. 
I requested a FORBEARANCE due to XXXX in XXXX XXXX. 
This was approved. 
Then I was given TRIAL PAYMENTS for a slightly lesser amount of {$1700.00} starting on XX/XX/XXXX. 
This was paid XXXX on XX/XX/XXXX for {$1700.00}. 
The next payment was due on XX/XX/XXXX. 
I paid that also XXXX on XX/XX/XXXX for {$1700.00}. 
The next payment is not due until XX/XX/XXXX. 
I have not missed a single payment. I have not paid anything late. This is a govt.-backed loan and was in forbearance due to XXXX. 
Now Shellpoint just reported to XXXX  the following : " SHELLPOINT MORTGAGE account has become 120 Days Late Between XX/XX/XXXX and XXXX XXXX, XXXX, your SHELLPOINT MORTGAGE mortgage status changed from " Current '' to " 120 Days Late ''. '' Dropping my score XXXX points. 
My payments are NOT late. 
Shellpoint does not have the authority to report a government-backed mortgage in approved forbearance due to COVID or job loss or cutbacks due to XXXX as " LATE. '' Shellpoint needs to fix this immediately. 
In addition, this mortgage is no longer in " forbearance '' as is being reported to the XXXX XXXX XXXX. 
It WAS in forbearance, now it's being paid, XXXX, on time, as required by their own billing. 
This account is not " SHELLPOINT MORTGAGE account has become 120 Days Late, '' it is being paid regularly and on-time. 
Being in forbearance due to XXXX is NOT the same as paying 120 days late. 
Shellpoint can remove this from my credit reports, or I'm filing a lawsuit against them and Fannie Mae.

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 2025-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Weber & Olcese, PLC
State: MI

Complaint narrative:
I am reporting the debt collection company Weber & Olcese PLC. 

I contacted the creditor ( XXXX XXXX ) for the debt collectors proper phone number and address around XX/XX/year>. The creditor informed me the debt collector was Weber & Olcese PLC located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI, XXXX. After receiving the phone number, I contact this debt collector over 10 times in the since XX/XX/year> and left voicemails yet have not received a call back. On XX/XX/year>, I sent a certified letter after several failed attempts by phone requesting intent of the debt being collected. The letter was returned to me due to the vacancy at this address. I called XXXX XXXX on XX/XX/year> and informed them of this situation which they escalated in their department. This debt is negatively affecting my credit due to being unable to pay or settle the debt for several months.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: CA

Complaint narrative:
After a recent data breach, fraudulent accounts were wrongfully added to my credit report. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these items within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Please delete and block the following accounts from my credit report Accounts XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$250.00} Inquiries XXXX Date : XX/XX/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 non-monetary relief
Consumer complaint received 2025-06-05 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: SC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I had requested all Equifax, Transunion and Experian to update all of my accounts sent in proff of everything that was paid, I also informed them of Identify theif and asked that all of my accounts be closed and that no one should be checking my credit without my permission. In addition, I wanted to know how someone else was using my information without my permission and received a credit card. 
There was also information on my account that should have not been there without some type of request to see if the information was even accurate. 
I have applied for several position of employment and was turned down because of incorrect information on my account. In addition, to property,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: LA

Complaint narrative:
Im reaching out to dispute fraudulent accounts resulting from a data breach. In compliance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and remove them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX Please delete and block the following accounts from my credit report Accounts 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-06-05 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: GOLDMAN SACHS BANK USA
State: DC

Complaint narrative:
I have a savings account with Marcus by Goldman Sachs. In XX/XX/XXXX, I received a notice stating the IRS had flagged a mismatch between my name and taxpayer identification number ( TIN ). I immediately sent a W-9 form with my correct information. Marcus told me everything was updated. 

However, in XX/XX/XXXX, I received a second B-notice from Marcus and the IRS, again claiming my name/TIN does not match IRS records. Marcus stated I must send a copy of my Social Security card, which I did via certified mail, including a copy of the notice. The XXXX tracking shows that Marcus received the documents on XX/XX/XXXX, but Marcus now tells me they never received them.

Ive called several times, and each time Marcus confirms my SSN is correct in their system, but the notices continue and I am at risk of 24 % backup withholding and IRS penalties for something Ive already corrected. Marcus is not escalating or resolving this issue, and they are mishandling sensitive personal tax documentation. 

This has now caused over 10 months of stress and IRS complications through no fault of my own. 

I am requesting immediate resolution and verification that my account reflects the correct TIN, and that my documentation has been properly received and recorded.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XX/XX/year>XXXX XXXX  account number XXXX company XXXX address XXXX XXXX XXXX XXXX XXXX CA XXXX report to Experian XXXX contacted Unidentified credit company XXXX  Phone system as well as Representative XXXX unable to identify any of my information. Asked i send and email for further help, return email from XXXX stating unable to assist any further without necessary information. Also refuse to Search my SSN. 
XXXX 1st dispute with Experian- dispute return less than 24hrs later as verified. 
XX/XX/year> Called Experian spoke with Representative-Asking for method verification of information and unable to provide any information. 
XXXX 2nd dispute XXXX 2nd dispute return again as verified no proof supplied

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 2025-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Ray Klein, Inc.
State: OR

Complaint narrative:
Theyve contacted me through email asking to pay the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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:
Due to a breach of my personal data, unauthorized accounts have been posted to my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these items within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Please delete and block the following accounts from my credit report Accounts 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 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

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 2025-06-05 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: NH

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my consumer credit report by Equifax regarding the following accounts : XXXX with account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX with account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX with account number XXXXXXXX XXXX XXXX Specifically, Equifax is reporting the account as " Pays account as agreed '' with a " XXXX days past due '' delinquency. These reports are inaccurate and need to be updated to reflect " Paid on time '' and " Paid as agreed '' for all accounts. These entries are inconsistent, contradictory, and inaccurate. I am requesting that the status of each account be updated to reflect " Paid on time '' or " XXXX, '' and that the worst delinquency status be corrected accordingly to ensure accuracy in reporting. Upon review, I have discovered that these entries violate the Fair Credit Reporting Act ( FCRA ), particularly Section 611, which requires consumer reporting agencies to ensure the maximum possible accuracy of the information contained in consumer reports. Furthermore, the entries were reported without my written authorization, in direct violation of 15 U.S. Code 1681b ( 2 ), which mandates that consumer information can not be accessed or used without the explicit written consent of the consumer. I expect a detailed response outlining the findings of your investigation, including documentation of the original written instructions from me, with my wet signature, authorizing the reporting of this information, and an explanation of the legitimate purpose for reporting these late payments. Additionally, I request a thorough investigation into these disputed late payments as per Section 604 ( a ) ( 3 ) of the FCRA and written confirmation of the investigations completion, along with details of any actions taken to rectify this matter.

Lastly, I request documentation to verify compliance with 15 U.S. Code 1666b, which mandates that periodic statements must be delivered at least 21 days before the payment due date, including the periodic statement and corresponding tracking number to confirm timely delivery. I have attached proof of the inaccuracies and highlighted them in red for your convenience. I trust that you will handle this matter promptly and in compliance with all applicable federal regulations. I look forward to receiving a response within 30 days of the date of this letter. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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:
Subject : Formal Notice to Dispute Inaccurate, Incomplete, and Unverifiable Information Pursuant to FCRA 605, 609 ( a ), 611, 623 ( b ) and Metro 2 Compliance Standards Dear Consumer Relations, I am writing to formally dispute the following information you have listed on my consumer report. After reviewing my reports from all three consumer reporting agencies, I noticed several inaccuracies and incomplete entries which violate the Fair Credit Reporting Act ( FCRA ) Sections 605, 609 ( a ), 611, and 623 ( b ), and are not in compliance with Metro 2 data reporting standards.

As a consumer, I have the right to accurate, complete, and verifiable information. Therefore, I am demanding immediate investigation and deletion of all inaccurate, incomplete, and/or unverifiable accounts listed below.

I am requesting a complete reinvestigation and results in writing within the 30-day timeframe, as provided by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: GA

Complaint narrative:
Subject : Formal Notice to Dispute Inaccurate, Incomplete, and Unverifiable Information Pursuant to FCRA 605, 609 ( a ), 611, 623 ( b ) and Metro 2 Compliance Standards Dear Consumer Relations, I am writing to formally dispute the following information you have listed on my consumer report. After reviewing my reports from all three consumer reporting agencies, I noticed several inaccuracies and incomplete entries which violate the Fair Credit Reporting Act ( FCRA ) Sections 605, 609 ( a ), 611, and 623 ( b ), and are not in compliance with Metro 2 data reporting standards.

As a consumer, I have the right to accurate, complete, and verifiable information. Therefore, I am demanding immediate investigation and deletion of all inaccurate, incomplete, and/or unverifiable accounts listed below.

I am requesting a complete reinvestigation and results in writing within the 30-day timeframe, as provided 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 explanation