vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Alorica Inc.
State: CT

Complaint narrative:
Dear Systems & Services Technologies , Inc., Thank you for your response to my CFPB complaint dated XX/XX/year>2025. However, I strongly disagree with the findings presented in your letter and maintain that your reporting of a delinquency on my credit report is inaccurate. 

Specifically, I dispute the following points : Notification of Account Transfer : You state that " a welcome letter was sent advising of the new servicer '' and that " XXXX sent two notifications. '' I categorically state that I did not receive any such notification from either XXXX  or SST  regarding the transfer of my account. I have no record of any communication, informing me of this transfer, the new payment procedures, or the due date of my first payment to SST. This lack of proper notification is a direct violation of federal loan transfer regulations.

Verification of My Identity : My repeated attempts to contact SST directly to verify my account information were unsuccessful. Your representatives were unable to locate or identify my account, which raises serious concerns about the accuracy and validity of your records. This calls into question your claim that you sent a " welcome letter '' and further substantiates my claim that I was not properly notified.

Accuracy of Debt and Payment History : I have bank statements that demonstrate consistent, and timely payments to XXXX prior to their reported closure. I require detailed documentation of the alleged balance of {$4000.00} and a full accounting of all payments received and applied to my account. Furthermore, I request proof of the " Truth-In-Lending Disclosures '' you claim were sent, including the date and method of delivery. 

Reporting to Credit Bureaus : Your claim that " no errors are being reported '' is demonstrably false. The delinquency reported by SST is negatively impacting my credit score and hindering my ability to secure financing for a home purchase. I demand immediate correction of this erroneous reporting. 

Alleged Agreement Terms : While I acknowledge the original agreement with Tally, I dispute the assertion that I agreed to immediate account closure and a fixed amortization schedule in the event of a servicing change without proper notification. 
Therefore, I reiterate my request for : Immediate removal of the inaccurate delinquency from my credit report. 
-Provision of concrete proof of the notification of account transfer that you claim was sent. 
-Detailed verification of the alleged debt and payment history. 
-Documentation of the dates and methods used to send any correspondence to me. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: IL

Complaint narrative:
I am writing to formally dispute inaccuracies on my credit report related to the XXXX XXXX  account ending in XXXX. Upon careful review of my credit report, I have identified multiple serious reporting errors that violate the Fair Credit Reporting Act ( FCRA ) : Inaccurate Charge-Off Reporting Post-Settlement This account was settled in XX/XX/year>, with a written-off balance of {$530.00} which is incorrect. Despite this, the payment history continues to reflect charge-off statuses ( " CO '' ) in XXXX, which is both misleading and incorrect. Once an account is settled, no further charge-offs should've been reported. 

The reported 30, 60, and 90-day late payments associated with this account are factually incorrect and do not align with my actual payment history, as supported by my bank records. These delinquencies are being inaccurately reported and are grossly misleading. Their continued presence on my credit report constitutes a violation of the Fair Credit Reporting Act ( FCRA ), particularly the requirement under 607 ( b ) to maintain maximum possible accuracy in consumer reports. 

The misreporting of these late payments has directly harmed my creditworthiness and created a distorted view of my financial behavior. This is unacceptable, and I am demanding immediate removal of all inaccurately reported delinquencies from this account across all credit reporting agencies.

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 2025-04-01 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:
This is my 2nd attempt i am interested in processing disputes for inaccuracy on my credit report an i accurate accounts thats are not mines reporting to my credit report. These accounts do not follow the FCRA rules. I am a victim of identity theft i have no knowledge of the invalid accounts listed. Please review an remove the accounts listed in the dispute to clear and correct my credit report asap

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
My daughter XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I provided a copy of the death certificate and will designating her father and I as beneficiaries of her condo as well as executors of the estate to the mortgage Company NewRez, Loan Number XXXX. The property address is XXXX XXXXXXXX XXXX XXXX XXXX XXXX, WA XXXX NewRez is located at XXXX XXXX XXXX, XXXX, SC XXXX Phone XXXX. 

In XX/XX/XXXX, the notified me the insurance policy was lapsing. I purchased a policy and had XXXX send XXXX ' - XXXX XXXX XXXX Homeowners Policy, Homeowners Insurance directly to NewRez. 

In XX/XX/XXXX NewRez sent a letter from their insurance Dept located in Michigan telling me they were going to proceed with purchasing an insurance policy. I personally forwarded proof of insurance for the policy, yet they have added over {$400.00} escrow charge to which I am held hostage, as part of the required payment to prevent the mortgage from going into default. 

I wrote another letter on XX/XX/XXXX, demanding they cease and desist this unlawful collection and refund my money. I also again sent proof of insurance. 

I repeated the process in XXXX and XX/XX/XXXX. In early XXXX, I again spoke to a representative on the phone who said they sent you a letter to which I responded bull hockey! I am not someone who would have failed to follow the process to remove an over {$8000.00} annual charge that I e been writing letters and phone calls to remove. 

They told me they would send another letter so I could get my money refunded. It is now nearly a month later no form, no letter. No action on their part despite phone calls, emails, letters, proof of insurance sent multiple times by my insurance company XXXX and me personally. 

The actual homeowners policy I am paying for coats {$580.00} The mortgage company is charging me approximately {$400.00} each month despite not having my consent and being told numerous times, in writing and on the phone, it is duplicative. 

Please help stop this

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 2025-04-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc
State: TX

Complaint narrative:
I contacted the creditor because I consistently received phone calls regarding a debt collection only to find out it's not for me. This is the 2nd time the same person 's name reflects as a debt on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: NC

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 explanation
Consumer complaint received 2025-04-01 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: DE

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
Bank of America ( BOA ) took an escow shortage and added it on to my principal as a balance owed. Which showed my principal increasing and that caused for my credit score to drop XXXX points. BOA said they can add an escow shortage on to the balance of the principal. But they did this between XX/XX/scrub>XXXX XXXX XXXX  before my escrow analysis and I paid the shortage XX/XX/year> wasnt even aware they did this to me. No one notified me of this. No letter saying the bank is going to do this. No one at BOA could even explain so they came up w/ the explanation of adding escow as a balance owed on my principal. Due to this reporting my credit score went from a XXXX to XXXX. They said they worded it wrong on the credit report but they are unable to give me my points back. How could this happen? XXXX XXXX XXXX are staying BOA has to send them a balance summary which they have not. I have never been 30 days late on my mortgage and was not aware they can take a shortage in escrow and add it to principal. Now other creditors are dropping me and its making my score go down even 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 2025-04-01 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: FL

Complaint narrative:
I have multiple late payment on my credit under as XXXX I have attempted multiple of times to inform Experian that the account made as Late payment were in process of being disputed and have gotten disputed. They are not wanting to remove the late payments notice which has my credit score extremely low.

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 2025-04-01 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: OH

Complaint narrative:
You received these documents on XX/XX/year>, and yet the fraudulent data remains on my credit report. This is a blatant and willful violation of federal law, specifically the Fair Credit Reporting Act ( FCRA ).

YOU ARE NOW IN VIOLATION OF : FCRA 605B ( 15 U.S.C. 1681c-2 ) You were required to block this information within 4 business days. You failed.

FCRA 611 ( a ) ( 1 ) ( A ) You failed to conduct a reasonable reinvestigation.

FCRA 611 ( a ) ( 7 ) You refused to provide the method of verification for the disputed items.

FCRA 623 ( a ) ( 6 ) You continue to report information you know is the result of identity theft.

FCRA 607 ( b ) You are reporting inaccurate, unverifiable, and outdated information.

FCRA 605 ( a ) You continue to report obsolete data that should be suppressed. 

CASE LAW THAT SUPPORTS MY RIGHTS : XXXX XXXX XXXX Failure to block identity theft data = FCRA 605B violation XXXX XXXX XXXX, XXXX Willful FCRA noncompliance resulted in damages XXXX XXXX XXXX XXXX Industries Reporting false info led to successful suit XXXX XXXX TransUnion You must do more than a lazy verification attempt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: OH

Complaint narrative:
You received these documents on XX/XX/year>, and yet the fraudulent data remains on my credit report. This is a blatant and willful violation of federal law, specifically the Fair Credit Reporting Act ( FCRA ).

YOU ARE NOW IN VIOLATION OF : FCRA 605B ( 15 U.S.C. 1681c-2 ) You were required to block this information within 4 business days. You failed.

FCRA 611 ( a ) ( 1 ) ( A ) You failed to conduct a reasonable reinvestigation.

FCRA 611 ( a ) ( 7 ) You refused to provide the method of verification for the disputed items.

FCRA 623 ( a ) ( 6 ) You continue to report information you know is the result of identity theft.

FCRA 607 ( b ) You are reporting inaccurate, unverifiable, and outdated information.

FCRA 605 ( a ) You continue to report obsolete data that should be suppressed. 

CASE LAW THAT SUPPORTS MY RIGHTS : XXXX XXXX XXXX Failure to block identity theft data = FCRA 605B violation XXXX XXXX XXXX, XXXX Willful FCRA noncompliance resulted in damages XXXX XXXX XXXX XXXX Industries Reporting false info led to successful suit XXXX XXXX TransUnion You must do more than a lazy verification attempt

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 2025-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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:
FOR THE COMPANY TO DO WHAT IS FAIR AND EQUITABLE TO ME AS A CONSUMER AFFECTED BY THE XXXX DATA BREACH BY DELETING THE ITEMS IDENTIFIED AS IDENTITY THEFT. 
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 2025-04-01 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:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2025-04-01 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: TX

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 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 2025-04-01 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: MD

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

Company 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 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I tried to login but got a restricted access and couldnt access my bank account Account name XXXXXXXX XXXX  Account number XXXX Account type Credit card Responsibility XXXX Individual Date opened XX/XX/XXXX Status Account charged off. {$1.00}, XXXX written off. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1700.00} Balance updated XX/XX/XXXX Recent payment - - Monthly payment Credit limit {$1500.00} Highest balance

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 2025-04-02 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:
These following accounts are no longer in dispute. 


Account Name : XXXX XXXX # XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX Date XXXX XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXXXXXX XXXX XX/XX/XXXX Unauthorized Inquiry XXXX XXXX XXXX XX/XX/XXXX Unauthorized Inquiry XXXX XXXX XXXX XX/XX/XXXX Unauthorized Inquiry XXXX XXXX XX/XX/XXXX Unauthorized Inquiry XXXX XXXX XX/XX/XXXX Unauthorized Inquiry

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