vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-13 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: FL

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 Experian 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 explanation
Consumer complaint received 2025-01-13 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: FL

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 Experian 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 explanation
Consumer complaint received 2025-01-13 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: FL

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 Department TransUnion XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Unauthorized Collection Account on My Credit Report Dear TransUnion Dispute Department : I am writing to formally dispute a collection account that appears on my credit report. According to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to provide consumers with a validation notice within five days of their initial communication. This notice must inform the consumer of their rights to dispute the debt and request verification. If this validation process has not been properly followed, the collection account should not appear on my credit report. 

I have not received proper validation of the debt in question, and I am requesting that this account be removed from my credit report unless proper validation is provided. The presence of an unverified collection account is damaging to my creditworthiness and violates my rights under federal law. 

Please investigate this matter and remove the collection account from my credit report if it can not be properly validated. I request a written confirmation once the investigation has been completed and the necessary corrections have been made. 

As outlined in 15 U.S.C. 1692g, consumers have the right to : Receive a validation notice informing them of the amount of the debt and the name of the original creditor.

Dispute the validity of the debt within 30 days of receiving the notice.

Request verification of the debt before any further collection efforts are made.

If the collection account on my credit report does not meet these criteria, it must be removed immediately.

Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any additional information. 

Sincerely, XXXX XXXX XXXX XXXX 15 U.S.C. 1692g Validation of Debts This section of the Fair Debt Collection Practices Act ( FDCPA ) requires debt collectors to provide consumers with a validation notice within five days of their initial communication. This notice must include : The amount of the debt. 
The name of the creditor to whom the debt is owed. 
A statement informing the consumer of their right to dispute the debt within 30 days. 
A statement that if the consumer disputes the debt, the debt collector will obtain verification and provide it to the 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 non-monetary relief
Consumer complaint received 2025-01-13 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: AZ

Complaint narrative:
I reported an inaccurate account to Experian multiple times. The account is not mine and is affecting my credit. XXXX investigation concluded that the account is mine, which is not true. I reported it a few different times with the same exact result each time.

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 2025-01-13 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: TN

Complaint narrative:
I am writing to formally dispute inaccurate information that is being reported on my credit report. 
Specifically, the following items are incorrect and are negatively impacting my credit score : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reason : I am disputing the missed and late payments reported on this account. I kindly request that you provide detailed statements and records of all payments made and missed since I opened the account. 
I also disagree with the results of your investigation. Please mail me the documentation supporting your investigation and proof of the negative payment status for this account. If you can not provide this evidence, I ask that you delete the negative information associated with this account. 


status for this account. If you can not provide this evidence, I ask that you delete the negative information associated with this account. 
INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year> The items in question are either inaccurately reported or have already been resolved. I request a thorough investigation and correction of these inaccuracies. Despite my efforts to contact the credit reporting agency and the data furnisher, the issue remains unresolved. 
I have attached supporting documentation, including screenshots of my credit report, to highlight the inaccuracies and substantiate my claim. 
Please investigate this matter promptly and update my credit report to reflect accurate and updated information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing a complaint regarding the inaccurate reporting of a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my credit report by XXXX and Equifax XXXX This account is reporting several errors, including an incorrect open date, date last active, and date of last payment. Additionally, erroneous payment information is being reported, specifically 120 days late consecutively for XXXX XXXX XXXX XXXX XXXX This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as such payment reporting is not permissible. 

Furthermore, during the COVID-19 pandemic, my payments were deferred, and I was protected under the CARES Act. Reporting missed payments during this period is inaccurate and harmful. Notably, XXXX has already deleted this account due to its inaccuracies. 

I demand the immediate deletion of this account from my credit report. If this account is not removed within 30 days, I will proceed with litigation against XXXX and Equifax for their noncompliance with federal law. I have attached all supporting documentation for this loan, including evidence of the account 's inconsistent and inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Gurstel Law Firm, P.C.
State: NV

Complaint narrative:
I am writing to file a formal complaint against Gurstel Law Firm regarding their debt collection practices, which I believe are in violation of the Fair Debt Collection Practices Act ( FDCPA ) and Nevada state laws. 

Background : Alleged Prior Contact : Gurstel Law Firm claims to have contacted me in XX/XX/XXXX ; however, I did not receive any communicationneither a call nor a letterduring that time. My first interaction with them was in XX/XX/XXXX, when I settled a previous debt. 

Lack of Written Notice : Under the FDCPA, debt collectors are required to send a written notice of the debt within five days after the initial communication. Gurstel Law Firm failed to provide such notice, which constitutes a violation of federal law. 

Delayed Legal Documentation : A court order dated XX/XX/XXXX, was sent via USPS, with the envelope postmarked XX/XX/XXXX. Considering we reside in the same county, this delay appears intentional, potentially to limit my response time. 

Inconsistent Service Methods : Previously, Gurstel Law Firm delivered court documents in person through a process server. This time, no such attempt was made, indicating a deviation from standard procedures. 

Intent to Garnish Bank Account : I received a letter from the Constable 's Office, XXXX XXXX XXXX XXXX XXXX XXXX, indicating a debt amount of {$7800.00}, with a judgment entered for {$8000.00}. The letter states their intent to garnish my bank account, causing significant distress. 

Personal Circumstances : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Financial Hardship : I am currently unemployed with no consistent income. 

Violations and Concerns : FDCPA Violations : Gurstel Law Firm 's failure to provide timely written notice and their intent to proceed with garnishment despite my financial hardship may constitute violations of the FDCPA.

Nevada State Law Violations : Their actions may also infringe upon Nevada 's debt collection laws, which prohibit abusive and deceptive practices. 

Request for Relief : I respectfully request the CFPB to investigate Gurstel Law Firm 's practices concerning my case. Specifically, I seek : Immediate Suspension of Garnishment Actions : To prevent further financial hardship. 

Compliance Review : To ensure Gurstel Law Firm adheres to both federal and state debt collection laws. 

Formal Acknowledgment : Of my current financial and health circumstances, with appropriate adjustments to any collection activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: Consumer Portfolio Services, Inc.
State: NY

Complaint narrative:
I Have 6 Hard Inquiries On My Credit Report That Were Placed There Fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Global Processing Services, LLC
State: CA

Complaint narrative:
I am being PLAGUED by calls from so-called " XXXX XXXX '' Their latest number is ( XXXX ) XXXX. They claim I took out a payday loan and that I owe a large balance. They say they can help me " mediate '' this by giving THEM a smaller payment to clear my account. This is a SCAM and a LIE and I want these scamming, lying schemers SHUT DOWN.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I Have XXXX Hard Inquiries On My Credit Report That Were Placed There Fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: KY

Complaint narrative:
I recieved a letter showing my overall monthly payments for the new year would go up due to a " shortage '' in my escrow account. previous year escrow payments were XXXX and new monthly escrow payments were to be XXXX which is actually less that the previous year. This was due to my taxes going down and insurance being less. Also, on XXXX there was an excess or overage of XXXX so there was not shortage at all. With all this, my actual escrow being less, my payment should go down, not up. For the previous year XXXX was the total dollar amount paid in through escrow and XXXX would be the actual dollar amount needed and paid out. XXXX would be the new amount of escrow needed for the upcoming year, which is obviously less than the previous year. Again, the payment should go down, not up. After trying to get an explanation i was transferred back and forth multiple times and was on the phone for over an hour with no resolution

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 2025-01-13 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
Consumer ID XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ALL FRUADULENT INQUIRIES.

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 2025-01-13 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: Westlake Services, LLC
State: IL

Complaint narrative:
According to FCRA section 605b. It is illegal to report any information on my credit profile without my permission. Please remove this negative item from my credit report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
I'm a XXXX XXXX XXXX on XXXX and remaining in my home until I can find suitable low income senior housing which takes sometimes years. So {$710.00} goes to my mortgage/mo. ( my income is < $ XXXX, XXXX by util. discounts, XXXX, etc. ). So I'm in a precarious situation most of the time, and have connected w/ local charities et al help agencies. One of them found enough extra funds at the end of 2024 to pay XXXX mo. of my mortgage, and all that was needed was a simple back & forth from Shellpoint, my current mortgager ( my mortgage just got sent to them fr. XXXX XXXX ). We tried contacting Shellpoint several weeks before the end of the year on this -- I called several times and finally retrieved an email for their loan servicing dept. which was to be used for my caseworker to mail several forms allowing XXXX party paymt. and a signature. Shellpoint said they didn't receive the forms and after numerous calls, we did a XXXX party call to them to discuss it. First they said it takes a XXXX hr. turnaround, then after the holidays, they had still not responded. Another call and they said it could take a lot longer. This went back and forth until I finally gave up, thereby losing XXXX 's mortgage. 

My complaint is this : Shellpoint refuses to provide its customers w/ a direct contact for such back-and-forths that are critical to making a payment work. And every time I called them I got someone else who didn't seem to know what to do, couldn't get a supervisor, couldn't check on the status of this request. THIS SHOULD HAVE BEEN SIMPLE. Each party needed to verify that the other was legitimate, my caseworker had to verify that I wasn't in arrears and that the money would go to a month 's mortgage, and Shellpoint had to sign. There should have been a mechanism to COMMUNICATE. To add to the absurd, I rec 'd a snail mail letter several weeks after the initial request, saying that they " acknowledged my inquiry '' and " were working to gather the requested information '' blah blah. We had made it clear fr. the beginning in our conversations that the money would not be available after the first of the year, that it was a last-min. deal. But still, several weeks to even get the process started? Ridiculous!

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 2025-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ZIONS BANCORPORATION
State: NV

Complaint narrative:
Here we are again. More missing money. Attempted to transfer {$98.00} via XXXX on Saturday XX/XX/year> and it said it went through, yet the money has not shown up on the other end. 

Waited until Sunday, money still missing. I go into my portal online in XXXX to review the transaction and it says the money was sent, again money is still missing. 

Today I go into the portal again and it says the transaction is posted and it was sent, it wasn't sent. 

I call XXXX back at XXXX regarding this and I just get a response about limits and that they will hold my money for multiple days until XX/XX/XXXX. This is an XXXX issue. This is not a XXXX issue. They are CHOOSING to put limits on customers accounts and clearly these limits need to be raised. 

My limit on XXXX with XXXX XXXX is $ XXXX month. This is ridiculous. My account is currently overdrawn which I assume XXXX will try to charge an overdraft fee on as they are HOLDING MY MONEY against my will. 

I BEG the CFPB to do something about this. This is absolutely insane that banks can do this. First charging illegal fees for withdrawing from savings, to then charging account service fees because I refused to pay the illegal fees charged now they are holding money without cause.

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