vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-06 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: VA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this formal complaint regarding an unjust collection account that has been placed on my credit report by XXXX XXXX XXXX This debt is invalid for several reasons, and I am requesting your assistance in having it removed. 

Debt Was Never Verified : I have never received any proper verification of this alleged debt from XXXX XXXX XXXX as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ). Under federal law, I have the right to dispute a debt and request validation, yet no documentation proving the validity of this debt has been provided. 

Services Were Not Rendered : XXXX XXXX was unceremoniously expelled from XXXX XXXX and was not allowed to attend for the week in question. Since services were never provided during that time, I am not responsible for paying for them. The daycare effectively breached our agreement by refusing service, thereby invalidating any claims for payment. 

No Agreement with Collection Agency : I have never had an account with XXXX XXXX XXXX nor signed any contract obligating me to pay them. The original creditor XXXX XXXX allegedly sold this debt to a third party without my knowledge or consent, effectively severing any contractual obligation I may have had. As the original creditor is no longer attempting to collect the debt, and I never entered into any agreement with the collection agency, this account should not be reported under my name. 

Unfair and Deceptive Credit Reporting : Reporting this invalid debt on my credit file violates the Fair Credit Reporting Act ( FCRA ), as it is both inaccurate and misleading. It is my right to dispute any unverified or erroneous accounts appearing on my credit report, and I demand its immediate removal. 

Requested Resolution I am formally requesting that XXXX XXXX XXXX  provide immediate proof of the following : A valid, signed contract between myself and XXXX XXXX XXXX proving that I owe them this debt. 
A detailed itemization of any charges, including proof that services were actually provided. 
Legal proof that XXXX XXXX XXXX has the right to collect on this debt and report it to credit bureaus. 
If the collection agency can not provide proper verification of this debt, I request that it be immediately removed from my credit report with all bureaus. 

I appreciate your assistance in resolving this matter and ensuring that my consumer rights are upheld. Please keep me informed of any updates regarding my complaint. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation
State: PA

Complaint narrative:
Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am formally disputing the inaccurate, unauthorized, and/or unverifiable information currently reported on my credit file. The continued reporting of this information violates federal law and has caused harm to my financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C 1681e ( b ) 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required.

This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the F.D.C.P.A. laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you.

Please provide me with the below mentioned items : *1099c Request * The amount you claim the Respondent owes you * An explanation showing me how you have computed the amount.

* Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( SOL ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: TX

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: NJ

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. 

Account name : XXXX XXXX XXXX XXXX. Account XXXX : XXXX, Account name : XXXX XXXX XXXX XXXX has violated my rights. 

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 2025-02-06 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:
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. I looked at my experian credit report XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX, {$2600.00}, XXXX XXXX XXXX XXXX XXXXXXXX, {$1700.00} XXXXXXXX XXXXXXXX XXXX XXXX XXXX, {$4800.00} XXXX XXXX XXXX XXXX XXXX, {$310.00} has violated my rights.

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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 2025-02-06 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: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: GA

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. Continued to mislead me suggesting to wait on pending transactions. In conclusion to improperly investigating my complaints, after being a trusting consumer, have closed my accounts without informing me. 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 2025-02-06 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: FL

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

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 2025-02-06 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: CA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am reaching out to dispute an account that was previously deleted from my credit report but has now reappeared, which constitutes a violation under 15 U.S.C. 1681i - FCRA Section 611 ( a ) ( 5 ) ( B ) ( ii ). Under the Fair Credit Reporting Act ( FCRA ), once an account is removed, it can not be reinserted without proper notification and certification of accuracy from the data furnisher. I have not received any such notification, making this reappearance unlawful and damaging to my credit profile. 
This inaccurate reporting is negatively impacting my credit standing, which is particularly concerning as I am in the process of launching my own business and need access to funding. I formally request an immediate investigation and the permanent removal of this account from my report. Please provide written confirmation of your findings and any corrective actions taken within the legally mandated timeframe.

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 2025-02-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: RoundPoint Mortgage Servicing LLC
State: WA

Complaint narrative:
On XX/XX/XXXX after nearly 6 months of unemployment I applied for mortgage forbearance with Roundpoint Mortgage, however shortly thereafter, I did receive an offer of employment and accepted the job. 

On XX/XX/XXXX, I was approved for forebearance for the months of XXXX, XXXX and XXXX. 

A Roundpoint Mortgage agent called me shortly thereafter to inform me that I was approved. I mentioned I just got a job and probably didn't need forbearance anymore. The Roundpoint Agent mentioned it was totally up to me if I wanted to accept forbearance or not. I asked the agent how the 3 months would be repaid, the agent mentioned that those 3 payments are usually 'tacked ' on to the end of a mortgage and are paid off after the mortgage itself is complete.

I asked the Roundpoint agent if this would affect my credit score- they assured me ( at least twice ) that it absolutely would not affect my credit score. I even mentioned to the agent that I was not interested if this in anyway would affect my credit. They again assured me that it would not affect my credit score.

The Roundpoint agent mentioned accepting forbearance would probably be useful given the time of year ( XXXX ). 


When I asked the Roundpoint agent what I needed to do to 'accept ' the forbearance they mentioned that all I would need to do is simply resume my normal mortgage payments XX/XX/XXXX. 



I paid mortgage for XXXX and decided per the Roundpoint Agents ' advice to take the forbearance for the months of XXXX and XXXX. 


Per the Roundpoint agents instructions, I resumed my normal mortgage payments in XXXX. However on XX/XX/XXXX, I come to find out that Roundpoint Mortgage submitted a 60 day delinquincy report to XXXX on XX/XX/XXXX! 




I reached out Roundpoint 's Customer Service department XX/XX/XXXX to open an 'escalation ' ( an issue opened by a Roundpoint agent ). The results of the investigation was that 'credit was accurately reported '. I was informed by customer service that I should write a letter to XXXX and explain the situation. I wrote and sent this letter on XX/XX/XXXX, however, the response was 'the account was accurately reported as 60-days past due '.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I have contacted our HELOC lender regarding the incorrect flood escrow collection on this mortgage. I explained we already have our first mortgage is collecting the escrows. HELOC 's do not require to collect escrows. I have emailed and spoke to someone 3 times and all I get is a case number. We have an Auto-Pay deduction from HELOC in which the lender deducts the mortgage payments monthly. In spite of me letting them know numerous times and documented paper, they still deducted the flood escrow from our account. Our mortgage payment is {$380.00} and we pay {$380.00} on time. They are now additionally deducting {$100.00} for flood insurance escrow for a total of {$480.00}. This is an error on the lender 's side.

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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
as per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt Bondage which falls under XXXX accoring to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 102.142 ( b ) i kindly request that you block this information from my credit report within four business days, pursuant to secrion 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and delted from Transunion. Please delete the following accounts. XXXX XXXX  XXXX {$15000.00} XXXX XXXX. {$8600.00} XXXX XXXX XXXXXXXX. {$8300.00} XXXX XXXX XXXX. {$880.00} XXXX XXXX XXXX {$400.00}. XXXX XXXX. {$0.00}, XXXX XXXX XXXX. {$19000.00}

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 2025-02-06 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: TX

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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