vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-02 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: GA

Complaint narrative:
Dispute Statement for Reinvestigation Date : XX/XX/year> To : Equifax TransUnion Experian Subject : Request for Reinvestigation of Disputed Accounts Under the Fair Credit Reporting Act ( FCRA ) Dear [ Equifax TransUnion Experian ], I am writing to formally dispute the accuracy and completeness of the following accounts listed on my credit report. I believe these accounts are in violation of my federally protected rights under the Fair Credit Reporting Act ( FCRA ). I am requesting a reinvestigation of these accounts in accordance with 15 U.S.C. 1681i, 15 U.S.C. 1681s2, and 15 U.S.C. 1681b. 
The accounts in question are as follows : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX Basis for Dispute Violation of 15 U.S.C. 1681i - Procedure in Case of Disputed Accuracy Under this section, consumer reporting agencies are required to reinvestigate disputed information free of charge and record the current status of the disputed information or delete it if it can not be verified. I am disputing the accuracy and completeness of the above-listed accounts and requesting that you reinvestigate them immediately.

Violation of 15 U.S.C. 1681s2 - Responsibilities of Furnishers Furnishers of information are required to provide accurate information to consumer reporting agencies and must investigate disputes when notified. If the information can not be verified, it must be corrected or removed. I believe the furnishers of these accounts have failed to meet their obligations under this section.

Violation of 15 U.S.C. 1681b - Conditions for Disclosure This section outlines the permissible purposes for which consumer information may be disclosed. If any of the above accounts were disclosed without proper authorization or for purposes not allowed under the FCRA, it constitutes a violation of my privacy rights.

Request for Action I am requesting the following actions : Reinvestigation of the Listed Accounts : Please conduct a thorough reinvestigation of the accounts listed above. If the information can not be verified, I request that the accounts be removed from my credit report immediately.

Written Confirmation of Results : Upon completion of your reinvestigation, please provide me with a written statement detailing the results of your investigation, including any changes made to my credit report. 
Notification to Furnishers : Notify the furnishers of these accounts of my dispute and ensure they comply with their responsibilities under 15 U.S.C. 1681s2.

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 2025-04-02 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:
XXXX XXXX, XX/XX/1970. 
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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.

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: CA

Complaint narrative:
" I have repeatedly notified XXXX of inaccurate personal information on my credit report. Despite my efforts, they continue to report this incorrect information, which is not only unfair but also a violation of legal consumer rights ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: EdFinancial Services
State: IL

Complaint narrative:
Statement of Identity Theft : I, XXXX XXXX XXXX XXXX, am a victim of identity theft. I am reporting fraudulent student loan accounts that have been opened and reported in my name without my knowledge, authorization, or consent. These accounts are listed on my credit report and are negatively affecting my credit history. 
Fraudulent Accounts Identified : 1. EDFINANCIAL SERVICES L - Balance : {$2800.00} - Date Opened : XXXX XXXX XXXX. EDFINANCIAL SERVICES L - Balance : {$2800.00} - Date Opened : XX/XX/XXXX XXXX. EDFINANCIAL SERVICES L - Balance : {$5300.00} - Date Opened : XX/XX/XXXX XXXX. EDFINANCIAL SERVICES L - Balance : {$8300.00} - Date Opened : XX/XX/XXXX I did not open these accounts, authorize their creation, nor have I received any benefit from them. These fraudulent accounts were created using my identity and personal information without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
We were getting assistance from a charity to help us with our second mortgage. On XX/XX/XXXX, in a XXXX way phone call, between a representative at Shellpoint mortgage company, an XXXX XXXX representative and me, the mortgage representative gave us the total needed to cure the loan. ( @ {$2900.00} ). We told the representative at Shellpoint Mortgage that we would send the amount needed to cure the loan as soon as possible, but needed time to get it to them. Shellpoint Mortgage, however, did not give us time to send the money to them and immediately started the process to put our home into foreclosure. XXXX XXXX sent Shellpoint Mortgage company a check for their part of the amount they were helping us with, but Shellpoint Mortgage company rejected it and returned the check. I was in the process of sending my part to complete the total that was needed to cure the loan, but did not get a chance to do so, due to the actions of the mortgage company. Now, Shellpoint has added over {$5000.00} to what we owe to cure the loan. ( Over {$8000.00} ) This is not right, not fair, and the mortgage company did not work with us like they are required to. 

I tried to do a mortgage modification with Shellpoint Mortgage in XXXX of XXXX, but the mortgage representative, who is assigned to my account, never got back to me about the results of our application. Every time I tried to get in touch with him, he was either not available or not working, I left several messages, but he did not return my phone calls. Then, XXXX XXXX hit XXXX North Carolina, where we live, and everything was chaos for several months. I finally found out what the terms were being offered in the mortgage modification, but Shellpoint wanted a {$13000.00} payment to do the modification, which was more than what was owed to cure the loan. 

We got behind with our mortgages due to several hardships, including out house catching on fire from a faulty air handler ( cost us {$10000.00} ), our business slowing down due to excessive amounts of construction on the road right in front of our business, and hurricane XXXX wiping out XXXX. We just need this mortgage company to be reasonable and let us cure this loan, or offer a reasonable modification. And, the extra fees that were added for the foreclosure that should have never happened need to be removed.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 has violated my rights. 
I looked at my XXXX Equifax XXXX credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

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

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: CA

Complaint narrative:
Im writing to inform you that there is an account listed on my credit report that I do not recognize. This account is completely unknown to me, and it appears to be a mistake or a case of mixed information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phillips & Cohen Associates, Ltd.
State: CA

Complaint narrative:
They are asking me to pay a debt that is not mine.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: LA

Complaint narrative:
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. 

Account Name : XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX - Date Opened XX/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 2025-04-02 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: MN

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Experian credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-02 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act Convergent ( XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX ) ( XXXX XXXX XXXX  - account # XXXX ), have violated my rights. 15 U.S.C 1681 Section 602 A States I have the right to privacy. 15 U. S. C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2025-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: SC

Complaint narrative:
My car was towed. and at the ATM I tried to pull {$200.00}, but the atm produced a receipt but not the funds. Funds never returned to my account after it was done pending.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My car was reposted due to Wells Fargo continuously blocking automated payments from my dealership

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: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
- I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: NY

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
A company called XXXXXXXX XXXX charge my account {$49.00}, without my permission. 
I reported this fraud to chase bank, and they initially removed fee, and cancel my card, once I received new bank card, the bank reversed the fraud charge and place {$49.00} back on my checking account, I called bank again about the fraud and they said merchant had cv code, so they put the {$49.00} back on my account. I told the bank I did not authorize charge and do not know of the merchant ; the details said the transaction was made in-person. I XXXX the merchant XXXX XXXX, and there is not a merchant near me, and I have not left the city all year, so that is not my charge

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: NY

Complaint narrative:
I am formally disputing the following late payment entries on my credit report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I am writing to formally dispute inaccuracies I have identified on my credit report concerning the payment history for two of my creditors, XXXX and XXXX. 

XXXX - XXXX XXXX XXXX  : The credit report inaccurately states that my account was 30 days past due in XX/XX/XXXX and XX/XX/XXXX. Additionally, there is an inconsistency regarding the agreed monthly payment amount. My agreement specifies a monthly payment of {$63.00} ; however, the XXXX statements incorrectly reflect a monthly payment of {$84.00}. After a thorough review of my past statements and a phone confirmation with XXXX, I have verified that I have never been 30 days past due on any payment, and the correct monthly payment amount is indeed {$63.00}, contrary to what the billing statements indicate. 

XXXX XXXX : My account is incorrectly reported as being 30 days past due in XX/XX/XXXX. I have confirmed through both a phone call and a review of my past statements that I have never been 30 days past due on a payment. 

I request that these inaccuracies be investigated and corrected promptly.

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

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 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