vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-19 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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of 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 XXXX XXXX XXXX XXXX  Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: EQUIFAX, INC.
State: CA

Complaint narrative:
A collection for a XXXX  account for the amount of {$1800.00} that was previously disputed as a fraudulent account was placed back on my credit report again under a new collection agency, XXXX XXXX XXXX. I am not liable for the debt with XXXX XXXX XXXX nor XXXX XXXX I do not have a contract with them nor did they provide any contract signed by myself to the original creditor XXXX. I never signed any contracts and they haven't provided information validating The amount I owe, The date I incurred the debt, The date of the last payment or Evidence that connects me to the debt. This account was previously disputed as fraudulent under a different company 's name, XXXX XXXX  but for the original creditor XXXX on XX/XX/year> as reflected on my FTC Identity Theft Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ACCOUNTS TO BE REMOVED XXXX  XXXX XXXX XXXX {$430.00} XXXX  XXXX BALANCED {$19000.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX BALANCED {$2500.00} XXXX  XXXX XXXX BALANCED {$530.00} XXXX XXXX  XXXX XXXX BALANCED {$1600.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX BALANCED {$1000.00} These accounts has resulted in several appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent accounts. I do not recognize the aforementioned accounts, as reported. The aforementioned accounts, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: CA

Complaint narrative:
I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). Despite having sent several letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ). 

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under XXXX clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through XXXX, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid. 

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXX v. Experian Information Solutions XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX. XXXX XXXX ) : This decision clarified that a XXXX XXXX XXXX is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 

XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: Shellpoint Partners, LLC
State: CA

Complaint narrative:
This is what i sent Shell point Mortgage Servicing The big questions is are they using creative finance on all there loans. I have two loans that are identical in every way and i pay the same on each why is there a {$10000.00} different on the pay offs. 
Thank you XXXX XXXX XXXX Shell Point Mortgage XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I am writing this letter to clarify the confusion I have with these two loans you are servicing. 
First : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX in the amount of {$95000.00} at a 6.275 % mortgage rate. 
Second : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX in the amount of {$95000.00} at a 6.275 % Mortgage Rate. 
The property is a duplex and are identical in every way I made these loans at the same time and paid the same amount on both each month since the start of the loan. The confusion I am having is that the pay off on the first loan is {$35000.00}. The second loan payoff is {$45000.00} Why? 
I have the money to pay off one or both loans, but until I get a valid explanation, I am having a hard time doing it. 
I have contacted you several times by phone and written XXXX letters to you with no valid explanation. 
If possible, I would like you to audit these loans and give me a valid explanation why theres such a big difference or revise the principal balance to the first loan

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: SC

Complaint narrative:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$9700.00} Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$110.00} XXXX XXXX XXXXXXXX Original Creditor : XXXX XXXXXXXX XXXX  XXXX Balance Owed : {$1100.00} XXXX XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: SC

Complaint narrative:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$9700.00} Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$110.00} XXXX XXXX XXXXXXXX Original Creditor : XXXX XXXXXXXX XXXX  XXXX Balance Owed : {$1100.00} XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: MI

Complaint narrative:
According to FCRA consumer law 605B it is against law to furnish information without written consent from the consumer this company is violating my right bye reporting incorrect late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: U.S. BANCORP
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed that these unauthorized inquiries had been made : US BANK XXXX XX/XX/XXXX ) US BANK XXXX XXXX XXXX ) US BANK XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I contacted the creditors, XXXX XXXX XXXX XXXX  US Bank and XXXX XXXX that placed the inquiries, and asked them to remove their credit inquiries from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request.

Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at my address listed above. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your help and assistance. 

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 non-monetary relief
Consumer complaint received 2025-03-19 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: PA

Complaint narrative:
When I checked my credit report this morning, I was surprised to find inaccurate accounts that I dont recognize. I routinely monitor my report, and this is the first time I have encountered such discrepancies. Thinking it might be a system glitch, I refreshed my browser, but the errors did not disappear. Given this, I am requesting a careful review of the documents I submitted to ensure I wont have to deal with this issue 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 explanation
Consumer complaint received 2025-03-19 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:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payment reported on an account that was, in fact, paid on time. 
Under the Fair Credit Reporting Act, credit reporting agencies are required to report accurate and verifiable information. 
I am requesting that you investigate this account and provide records proving I had a late payment on the following date : XX/XX/year>. 
If this information can not be verified, I demand the status be updated to paid on time and never late. I appreciate your assistance 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 2025-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: NV

Complaint narrative:
I requested verification of debt from the collection agency as detailed in attached letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
I purchased an alarm system that was installed by XXXX XXXX XXXX. I cancelled the purchase after the alarm system sounded off by mistake. It was too loud for me. When I tried to cancel, XXXX kept ignoring my request. I believe XXXX was in violation when they decided to open a credit account for me. I did not ask for credit. XXXX has held me XXXX to a contract that I do not approve of now or then. I requested that they remove the alarm system that they installed within the three day time frame to cancel. XXXX did not allow me to cancel. I had 30 days to cancel at my age. My dissatisfaction with the product was ignored. I do not owe XXXX anything as the equipment ( brand new ) is still waiting to be picked up by XXXX. 

I DO NOT WANT THE HOME ALARM SYSTEM! I want XXXX to stop harrassing me about payment. XXXX has sent my account to collections. I'm trying to replace needed windows in my home and was surprised to find that my credit score has been affected. This incident with XXXX is on it's way to court at this point.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: CT

Complaint narrative:
Re : Method of verification Highly Requested Under 15 U.S.C. 1681i ( 7 ) Method of verification As a consumer I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 usc ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. 

Please send the following information used to validate the validity of the invalidated items below XXXX. XXXX XXXX  Account Number : XXXX Items Highly Requested The name of the original creditor The creditors address and telephone number The persons name they verified the dispute with The Valid documentation used to validate the dispute. 


Also, the procedures your company has in place to ensure each account is 100 % correct which I doubt. 



IF YOU CANT PROVE IT YOU MUST REMOVE IT OR PAY XXXX per VIOLATION YOU ARE COMMITTING. 

In accordance with FCRA,15 U.S. Code 1681e ( b ) Compliance procedures I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. if you fail to comply with this request and send all documentations that prove you seen and were sent valid documentation to say these items are 100 % accurate you will be held liable under 15 U.S. Code 1681 n and 15 U.S. Code 1681o Civil liability for negligent noncompliance I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right under FCRA and pursue legal action. 



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 non-monetary relief
Consumer complaint received 2025-03-19 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: CAVALRY INVESTMENTS, LLC
State: MO

Complaint narrative:
I had a car loan through XXXX XXXX that began in XXXX. In XXXX, I voluntarily surrendered the vehicle due to hardship. The car was auctioned off and my balance with XXXX was {$2900.00}. On XX/XX/XXXX, I received a settlement offer from XXXX XXXX that stated the following : " Our records show that you currently have a balance of {$2900.00}. For your convenience, XXXX is offering to settle this balance with a one-time payment of {$580.00}. To accept this offer, payment must be made with certified funds and received within fourteen ( 14 ) days from the date of this letter. Once you have fully performed under the terms of this offer, XXXX will close your account, release you from all your obligations with XXXX, and report your account as " Account Paid in Full For Less than Full Balance '' to the credit bureaus. '' On XX/XX/XXXX, just four days after receiving the offer, I reached out to XXXX XXXX to take them up on the settlement offer, and made a payment of {$580.00}. I was told by the representative that my account would be closed within 10 business days. 

On XX/XX/XXXX, I received a notification that a collection agency, " CAVALRY PORTFOLIO SERVICE '' had bought out my XXXX account, and that I now had a balance with them of {$2300.00}. I was also notified on the same day that XXXX had received a report from XXXX XXXX that they had " charged off '' the amount of {$2900.00}, which is {$37.00} HIGHER than my original balance with XXXX. 

I have reached out to both XXXX XXXX and Cavalry Portfolio Services to no avail. No one can help me. My credit is suffering due to these mistakes. 

Finally, I filed a dispute with XXXX on XX/XX/XXXX as a last ditch effort. Their investigation was ongoing until XX/XX/XXXX. They have not assisted in any way, and in fact made it worse, by changing my XXXX XXXX account to say that {$3200.00} was " charged off '' instead of the original {$2900.00} that XXXX had reported as " charged off. '' I truly do not even know where this number came from. My balance with XXXX was never {$3200.00}. 

I have nowhere else to turn. No one will help me, and my credit is suffering due to the carelessness of these companies.

Company response to consumer: Closed with non-monetary relief