vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Shepherd Outsourcing, LLC
State: NY

Complaint narrative:
I received a phone call around XXXXXXXX XXXX XXXX  while I was at work. I returned the call, and the first thing that happened was a female answering the line who immediately asked if I was the person she mentioned by name. I mistakenly said " yes, '' thinking the call was related to a job opportunity. However, I quickly hung up, suspecting it might be a scam, as the ladys voice sounded robotic. 

Given that I had seen the name " Shepard '' appear in previous calls, I decided to call back. This time, the same lady transferred me to another representative. He began attempting to verify my identity. I informed him that I was uncomfortable sharing any information without knowing who I was speaking to. The representative identified himself as being from Shepard Outsourcing and mentioned that they had purchased some debt I owed. When I asked for more details about the debt, he refused to provide any information. He insisted on confirming my date of birth, but I again declined to share any personal information until I understood the nature of the call. 

The representative acknowledged my reluctance to provide information but mentioned something about a recording, and then the call ended abruptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC.
State: MO

Complaint narrative:
I have an Ally Bank money market account which has check writing privileges. I wrote a check from my Ally account to my local bank in XXXX XXXX to pay off a loan. The amount of the check was in excess of $ XXXX. Today, XX/XX/XXXX, I received a letter from my local bank stating that Ally returned the check to them, with the reason being " Return to Maker ''. There was more than sufficient funds to cover the check. I've contacted Ally about why they did not honor the check. They have been unable to provide an explanation.

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 2025-03-25 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: TX

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
XXXXXXXX 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 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Someone hacked my account and stole money from my account using XXXX and my account was overdrawn and I went into the bank to tell them what happened. And Ive called them to explain what happened. Nothing was done Ive had the account for years and I couldnt believe that they didnt try to help me. I had to close my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
My account was hacked by someone that submitted various amounts of disputed and XXXX  themselves the money. Now Im responsible for the negative balance when it wasnt my doing. Navy Federal Credit Union is the bank. The amount was at least {$3000.00}. Ive been fighting ad fighting and fighting. This happened in XXXX. It is now XXXX and I cant even get any other banks due to this issue and its messing me up as an individual. NFCU was notified and closed the account and created a new account for me but Im still responsible for the amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-25 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: CA

Complaint narrative:
I have already contact the credit bureaus concerning this issue but they are not being responsive. 

The Fair Credit Reporting Act ( FCRA ) mandates that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure maximum possible accuracy when preparing consumer reports, and that inaccurate or unverifiable information must be removed or deleted This is an inacuracy on my credit reporting as if I am current on XXXX, how can I be 90 days late in XXXX. Please delete this inacuracy.

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 2025-03-25 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: 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 identitytheft.gov 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 identitytheft.gov, 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 : XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : 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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( 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. 

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 non-monetary relief
Consumer complaint received 2025-03-25 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX - XXXX XXXX XXXX - XXXX List of Unauthorized 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 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 2025-03-25 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX TransUnion LLC. 
Customer dispute centeXXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX Subject : Formal Dispute of Inaccurate Credit Reporting Under FCRA and Consumer Law To Whom It May Concern, I am formally disputing inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have raised concerns regarding TransUnion s failure to conduct proper investigations. A CFPB lawsuit alleges that XXXX and XXXX engaged in inadequate investigations, violating consumer protection laws and failing to meet its obligations under the FCRA. 
As outlined in 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), TransUnion must conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Additionally, per 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly corrected or deleted. Failure to comply constitutes a violation of federal law. 
I request that TransUnion : 1. Conduct a thorough reinvestigation of the following disputed accounts : o XXXX XXXX ( Account : XXXX ) o XXXX XXXX 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 Remove all " NON-MAIL-ABLE '' addresses and ensure that only one correct address is listed to maintain accuracy.

3. Provide me with all documentation used to verify the accuracy of the disputed information.

4. Correct or delete any information that can not be verified or is inaccurate, as required by law.

If TransUnion fails to comply, I will escalate this matter by filing a CFPB complaint regarding improper investigations, as previously cited in legal action against TransUnion. 
I have enclosed a copy of my identification and relevant supporting documents to facilitate your investigation. Please respond in writing within the legally mandated timeframe and provide written confirmation of any changes made to my credit file. 
Sincerely, 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 non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion 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 XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX 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. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
As directed by the Consumer Financial Protection Bureau ( CFPB ), I am submitting the necessary documentation, along with a letter from an advocacy organization assisting me due to my victimization by XXXX XXXX and debt bondage. Under the Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ), I am requesting the immediate removal of the following information from my credit report.

I respectfully urge you to block and remove the relevant company details from my TransUnion credit report within four business days, as mandated by Section 605C of the Fair Credit Reporting Act. As a victim of XXXX XXXX through debt bondage, I insist on the prompt removal of all related items from my report. 

Kindly ensure the deletion of the following entries from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-03-25 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I reached out to the companies lets list it as hard inquiries. They told me to take it up with the credit bureau. I tried to get them erased and removed from my credit bureau. They told me they should fall off within a few years. I dont believe that thats fair if I did not make the inquiries and I dont even recognize the companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Westlake Services, LLC
State: PA

Complaint narrative:
My car was declared a total loss in XX/XX/XXXX. 

My insurance company, XXXX XXXX, contacted Westlake Financial to determine the total payoff amount and issue the payment. Westlake Financial provided the payoff amount, which matched the balance shown on the bill I received in XX/XX/XXXX. The amount was {$5900.00}, with a note indicating that this amount was valid if paid before XX/XX/XXXX. 

XXXX XXXX issued a check for the full amount and sent it to Westlake Financial on XX/XX/XXXX, clearly indicating that the payment was for the settlement of the vehicle loan. By accepting the check, Westlake Financial acknowledged the payment. As a result, they provided the title and necessary paperwork to allow the insurance company to take possession of the vehicle. 

However, in XXXX, I began receiving emails from Westlake Financials GAP department claiming an outstanding balance. I promptly informed them that GAP coverage does not apply in this case, as the total amount due, as stated on my bill, had been fully paid by my insurer. I also submitted a copy of the final bill and proof of payment from XXXX XXXX. Despite this, they continue to ignore the facts and insist on a nonexistent balance. 

Westlake Financial has also been making repeated calls regarding this supposed debt. Today, I received a notification from XXXX XXXX indicating that Westlake Financial reported a late payment on a debt that does not exist. I have all the necessary documentation to prove that my insurer paid the full payoff amount and that all my previous payments were made on time. 

I am seeking support to resolve this matter and have this erroneous report removed from my credit record.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I 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 response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
We recently received a Notification from a Servicer : NewRez LLC, XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX Shellpoint Mortgage Servicing Servicer Contact Information : Loss Mitigation Dept.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXWe were not aware that our mortgage had been transferred or sold until recently after we questioned about issues connected with XXXX XXXX XXXX XXXX XXXX XXXXWe asked for Validation of Debt/Proof of Claim Request , Error Resolution & Information Request ( ERIR ) and Qualified Written Request.We have also recently inquired about the control number assigned to our account.The control number assigned to XXXX XXXX XXXX XXXX XXXX  XXXX is XXXX it was listed in XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXXThere are still Forensic Mortgage Violation Assessment Screening and these are 4 severity concern which have not been answered and now we are assigned to a Shellpoint Mortgage Servicing with our information that has not been answered.XXXX  of XXXX XXXX is also involved as well as XXXX XXXX XXXX In XXXX We Trust 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 2025-03-25 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Comenity Capital Bank. In XX/XX/XXXX, I fully cleared my outstanding balance with the bank. However, despite clearing my balance, Comenity Capital Bank continued to report incorrect negative information to credit bureaus regarding my account balance and usage. 

Furthermore, I have experienced repeated harassment in the form of demands for additional payments that I do not owe. Most seriously, at the end of XX/XX/XXXX, the bank resorted to intimidating tactics and threats, which I interpret as blackmail attempts to unjustly extract further payments from me. 

Notably, I was never notified by Comenity Capital Bank about these alleged charges or given access to any digital account. Additionally, I never received any physical credit card associated with this account, making it impossible for me to access account details or resolve this matter directly with the bank. 

These unfair practices have severely impacted my credit history and caused considerable emotional distress. 

I request your assistance in addressing these violations, correcting my credit report promptly, and holding Comenity Capital Bank accountable for their actions.

Company response to consumer: Closed with monetary relief