vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing a formal complaint regarding multiple inaccuracies in my credit report due to improper debt validation and reporting practices by several collection agencies and creditors. These entities have failed to provide proper verification of debts and continue to inaccurately report information to the credit bureaus. The specific concerns are as follows : XXXX. XXXX XXXX XXXX There are 4 separate entries on my credit report related to this company. Despite my dispute, they have been unable to validate the chain of custody or prove the legitimacy of these accounts. 
XXXX. XXXX Card I have disputed an entry from XXXX Card, but they have failed to provide sufficient proof of the debts validity. 
XXXX. XXXX  XXXX XXXX There are 5 line items being reported, yet the company can not verify the value of the debt. Additionally, certain accounts have been written off, and 1099 forms have been filed, yet they remain on my credit report. 
XXXX XXXX XXXX XXXX This company has not provided adequate proof of the debts legitimacy or the chain of custody, yet they continue to report the accounts to the credit bureaus. 
XXXX. XXXX Similarly, XXXX has not demonstrated the viability of the debt or established a clear chain of custody, but they continue to report this information to the credit bureaus. 

These reporting issues are negatively impacting my credit profile and financial standing. I request the CFPBs assistance in ensuring these entities comply with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) by either properly validating the debts or removing them from my credit report.

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 2025-02-20 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: TX

Complaint narrative:
I am filing a formal complaint regarding multiple inaccuracies in my credit report due to improper debt validation and reporting practices by several collection agencies and creditors. These entities have failed to provide proper verification of debts and continue to inaccurately report information to the credit bureaus. The specific concerns are as follows : XXXX. XXXX XXXX XXXX There are 4 separate entries on my credit report related to this company. Despite my dispute, they have been unable to validate the chain of custody or prove the legitimacy of these accounts. 
XXXX. XXXX Card I have disputed an entry from XXXX Card, but they have failed to provide sufficient proof of the debts validity. 
XXXX. XXXX  XXXX XXXX There are 5 line items being reported, yet the company can not verify the value of the debt. Additionally, certain accounts have been written off, and 1099 forms have been filed, yet they remain on my credit report. 
XXXX XXXX XXXX XXXX This company has not provided adequate proof of the debts legitimacy or the chain of custody, yet they continue to report the accounts to the credit bureaus. 
XXXX. XXXX Similarly, XXXX has not demonstrated the viability of the debt or established a clear chain of custody, but they continue to report this information to the credit bureaus. 

These reporting issues are negatively impacting my credit profile and financial standing. I request the CFPBs assistance in ensuring these entities comply with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) by either properly validating the debts or removing them from my credit report.

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 2025-02-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: ID

Complaint narrative:
Payment descripincies with amounts paid/applying incorrectly ; charging late fees when not late. 
HOLDING my payments and not applying correctly ; billing ledger is impossible to read and not even their csr reps understand it. In XXXX, did a XXXX forbearance plan where they were putting missed pymts = $ XXXX on the back of loan. Appears as they did a second mortgage? They increased my escrow and insurance DOUBLE even though they got their money back from home owners insurance companies. Ive called several times asking them to fix but they say they will and dont. I requested a ledger showing all my payments from XXXX forward. I was told they only keep the last XXXX yrs. I am unable to view ANY payments prior to XX/XX/XXXX online customer portal via their website.

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 2025-02-20 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX XXXX  XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.

Complaint narrative:
Account info Account name XXXXXX/XX/XXXXAccount number XXXX Account type Credit Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$9.00}, XXXX written off. {$10.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$10000.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$10000.00} Highest balance {$10000.00} Terms - On record until XX/XX/XXXX This account don't belongs to me, I requested deleting from Expriean credit bureau but was not deleted. please remove thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
Account info Account name XXXXXX/XX/XXXXAccount number XXXX Account type Credit Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$9.00}, XXXX written off. {$10.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$10000.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$10000.00} Highest balance {$10000.00} Terms - On record until XX/XX/XXXX This account don't belongs to me, I requested deleting from Expriean credit bureau but was not deleted. please remove thanks

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 2025-02-21 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! 

Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Self Financial Inc.
State: MI

Complaint narrative:
Im a victim of identity theft I dont understand or recognize the item

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
My name is XXXX XXXX, the owner of XXXX XXXX XXXX. I have been a loyal customer of Chase Bank since XXXX and have never encountered any issues until the recent incident I am writing to you about. 
On XX/XX/XXXX, I discovered two unauthorized transactions deducted from my bank account ( Account XXXX : XXXX ) using my debit card ending in XXXX. The transactions in question are : {$200.00} at XXXX XXXX, XXXX, FL {$9200.00} at XXXX XXXX, XXXX, FL During the time these transactions occurred, I was in XXXX XXXX, New Jersey. I have never been to XXXX, Florida. The day before, I used the card in my office in New Jersey. 
Upon discovering these discrepancies, I contacted Chase Bank multiple times by phone and visited the main branch in XXXX XXXX on the following day. I met with the manager, XXXX XXXX, who advised me to file a police report, which I did ( Department Case Number : XXXX ). 
On XX/XX/XXXX, my lawyer sent a letter to the Legal Department detailing the issue and attaching the necessary documentation. 
Upon inquiring how these transactions were executed, I was informed that the authorization was made by phone and associated with the telephone number XXXX, which is my office landline ( attached is the landline bill from XXXX XXXX for the mentioned period ). Therefore, these transactions were done without my authorization. 
On XX/XX/XXXX, we received a reply stating that my claim was denied due to the PIN being entered with bad attempts and a one-time passcode sent to the phone number on file, despite it being a landline. I believe there is a deficiency in the system that allowed the perpetrator to execute these transactions fraudulently. 
Given the circumstances, I kindly request an internal audit and thorough investigation into this matter. I believe that an independent review by your esteemed department will uncover the issues and ensure that the bank 's systems are secured to prevent such occurrences in the future. 
Attachments : XXXX. Police report ( Department XXXX XXXX : XXXX ) XXXX. Transactions in question XXXX. XXXX sent in XX/XX/XXXX XXXX. Reply received in XX/XX/XXXX XXXX. XXXX XXXX landline bill for the mentioned period XXXX. REPLY IN XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
There's an amount on my credit report that has been there for the past XXXX years. It was paid for using XXXX XXXX XXXX but Experian, and all those other credit report refused to remove it. I file a claim through XXXX XXXX at least XXXX times to no avail. 
Please help me remove it and clear my scores 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 explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
On XXXX XXXX our house caught fire, that morning we reached out to the mortgage company to inform them about the matter. In XXXX we requested a copy of the payoff balance, we received this request in XXXX. On XX/XX/XXXX I sent the dwelling payment from our insurance company to XXXX Mortgage. They received the payment on XX/XX/XXXX ( This was certified, and I had a receipt request ). About mid-month of XXXX, we called in regard to the remaining funds from the dwelling payment, we were told we had to wait XXXX  days before they would release the funds. So, we waited and in XXXX of XXXX  we called about it again since the XXXX  days had already passed. XXXX informed us they never received the payment and told us how much we owed and that we hadn't made a payment in XXXX  months ( this not being true ). Later that month we kept getting text messages and calls in regard to our house being up for foreclosure. On XX/XX/XXXX I checked with the County Clerk 's office to see if a foreclosure had been filed and sure enough it had been, it was filed on XX/XX/XXXX. 
I called Power Default who is the " Attorney '', I was asked to send them all documentation I had showing it had been paid, they would then call me back, which they still have not done. The house is scheduled to be auctioned on XX/XX/XXXX at XXXX. 
I reached out to XXXX who is our insurance to ask if the dwelling payment had been made and I received an email back within seconds saying the check cleared the bank on XX/XX/XXXX and XXXX has the funds. We had tried calling XXXX and talking to them about this matter, but no one seems to know where the money went and again, we are being told we are behind.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX : XXXX I have asked this company and creditors for proof of the debt and the dates of last activity on this account is different for the bureaus. This account is inaccurate remove this account prom my consumer report demanding my good name.

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 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AK

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
I am filing a mpla ainst XXXX XXXX XXXX ( Block , Inc. ) ue to quat 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. 
XXXX Urthermore air dispute XXXX prAdes {$7.00} 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian has failed to fulfill its legal obligation under the fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate information on my credit reports, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issue such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. these failures align with my experience, where Experian has neither corrected nor removed entity from my credit report there using XXXX party operator to collect personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
The listed companies below are on my credit report I dont recognize any of the companies listed below I have not given verbal or written authorization to any of the listed companies to obtain or use my personal information and want them removed from my 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 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 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is ( XXXX ), filed on ( XX/XX/XXXX ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : 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 Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request XXXX request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.

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