vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX  XX/XX/scrub>/2024 XXXX XXXX XXXX  XX/XX/year>2024 XXXX  XXXX/XXXX/2024

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 2025-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
The bank cleared checks worth {$7500.00} that turned out to be fake. I sent scammers {$3300.00} of my own money and roughly {$1000.00} of the money from the fake checks. Upon alerting the bank to the possible fraud the company failed to freeze my account for multiple days. I did not want to take the risk the scammers possibly hacking my account, so l removed the available funds, which was a total of {$6600.00}. The bank did an investigation and I was sent a letter telling me " an error did not occur, '' they are closing my account, and requesting all {$7500.00}. Even if I were to give the money back they say they are going to close my account because of this issue. 1 understand that a mistake was made, but it would not have been if the company had not fully cleared the checks in less than 24 hours. I am a college student who lost every cent she worked for during school breaks, all because I was looking for a job after school and got taken advantage of. I will return the {$6600.00} but I believe I should be forgiven for the remaining balance and any overdraft or late fees.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. 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
Consumer complaint received 2025-03-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Blockchain.com, Inc.
State: MI

Complaint narrative:
I had approximately XXXX XXXX on Blockchain.com that I sold on XX/XX/XXXX which translated to approximately {$7000.00} USD. I attempted to transfer that money to my bank account ; however, when clicking on that option on their website, it opens a popup with an endless loading icon and won't go any further. I contacted customer service via chat and the opened a ticket ( # XXXX ) and was informed that the issue would be looked into. I made several attempts to withdraw my funds on XX/XX/XXXX and XX/XX/XXXX with the same result, just an endless loading screen. Two additional communications with customer service via chat resulted in being told that I had already opened a ticket and the issue was being looked into. I called their phone number ( XXXX ), the recording says that there are no representatives available to help. A search on XXXX, XXXX, and the XXXX  shows that many people have been unable to withdraw funds, Blockchain.com has an XXXX XXXX with the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FISERV FINXACT CORE
State: NJ

Complaint narrative:
My XXXX debit card was stolen from the mail. I learned this once I contacted XXXX XX/XX/XXXX to find out if my application was approved. Once they said the funds was disbursed XX/XX/XXXX and a card was sent. I had to contact that company, which is XXXX XXXX spoke with XXXX around the same day. Once they told me a card was sent and activated a dispute was started. A form was sent to me signed and dated XX/XX/XXXX. Denied XX/XX/XXXX stating activated with a pin. Explained to rep I never received a card non did I give anyone a card, nor did I activate a debit card. I sent XXXX  XXXX an official dispute letter XX/XX/XXXX with 13 pages including my time clock sheets from my full time and part time employer. I have called several times, and no decision has been made. It has been well over 45-60 days. I have spoken to XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have reported the stolen debit card to my local XXXX XXXX, United States Postal Service of Investigation, Division of Banking and Insurance, and Dept of NJ Disability.

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 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

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 explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. 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
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I kindly request that you update and validate the items I previously mentioned, as they are still incorrectly reported on my account. I have already provided all the necessary details for 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 non-monetary relief
Consumer complaint received 2025-03-20 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: OK

Complaint narrative:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to dispute the fraudulent account listed below that has been reported under my name. I have never opened or authorized this account, and I am demanding that you investigate and remove it immediately :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to dispute the fraudulent account listed below that has been reported under my name. I have never opened or authorized this account, and I am demanding that you investigate and remove it immediately :

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 2025-03-20 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: NC

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
The following address needs to be added to my credit report. I can not pull my credit report online with Experian and I am paying for service with you. 

XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX I have attached the drivers license SSN and utility bill showing it as my proof of residency. I never asked for this address to be removed. And you removed it without cause and for no reason. I am buying a home and this is discrimination and I have to close immediately.

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 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Park Hill Holdings
State: NJ

Complaint narrative:
I am writing to formally file a complaint regarding an issue that has significantly impacted my ability to secure housing. I am a single mother currently facing homelessness, and I recently applied to XXXX XXXX XXXX  for housing. However, my application was denied due to inaccurate information reported by XXXX. 

Upon reviewing my application, I discovered that XXXX had reported a past due landlord balance of {$340.00}, which was the sole reason for my application being declined. However, upon further investigation, I learned that this reported balance was not related to any landlord debt but, in fact, was an unpaid auto insurance policy that had been mistakenly reported as a landlord balance. 

In an effort to resolve this issue, I contacted XXXX on XX/XX/year> at XXXX ( est ) and spoke with an agent named XXXX XXXX During our conversation, I informed her of the discrepancy and requested that the reporting be corrected. XXXX acknowledged the error and advised me to hold while she looked into the matter. After reviewing the information, XXXX confirmed that the reported balance was indeed not related to a landlord, and the error was identified. 

This misinformation has caused undue distress, especially considering my current circumstances as a single mother without stable housing. The denial of my rental application based on an incorrect report has further exacerbated my situation. I request that XXXX immediately update its records to reflect the correct information and that any negative impact caused by this error be rectified. 

The agent then informed me that the process may possibly take between 24-48 hours to correct however, I would have to contact XXXX XXXX XXXX and re-apply causing me to have to pay another non-refundable {$60.00} application fee and another non-refundable {$200.00} administrative fee.

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 2025-03-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
My Annual Escrow Disclosure was completed on XX/XX/year> and showed that my neighbor 's parcel number was incorrectly included in my escrow analysis, raising my mortgage payment significantly. 

On XX/XX/year>, I spoke with Shellpoint, who noted that my mortgage documents list only one parcel number, while my escrow analysis includes two. The agent submitted the tax issue for review and advised me to follow up later. 

On XX/XX/year>, I spoke with Shellpoint, and they confirmed that a review was requested but not yet completed. They expect it to be finished by XX/XX/year>, and advised me to call back then. 

On XX/XX/year>, I contacted Shellpoint about my incomplete tax review. They informed me that they would escalate the request, and it should be resolved by XX/XX/year>. I was advised to personally reach out to the county and township regarding the taxes and to request an immediate refund from those entities. Additionally, I was instructed to transfer any refunds I receive from the counties into my escrow account. 

On XX/XX/year>, I reached out to the XXXX County Treasurers Office, which stated that Shellpoint has not yet paid taxes from my escrow account. They indicated that Shellpoint should resolve this issue before paying taxes on the incorrect property. 

I contacted the XXXX XXXX Property Tax and Treasurer 's Office and learned that no taxes have been paid for either parcel in my escrow analysis. The treasurer said this issue must be resolved by the mortgage company that made the error. 

On XX/XX/year>, I contacted Shellpoint Mortgage for an update and was told my issue was still unresolved and to await further updates.They asked if I knew about an analysis done on XX/XX/year>. I confirmed that I had been notified, but I pointed out that the error concerning the property taxes had not been resolved prior to the new escrow analysis. As a result, the analysis still reflected the same error as initially reported, and the numbers remained unchanged. The representative informed me that she had escalated the matter to her supervisor and advised me to call back in 48 hours.

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 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I have not supplied proof under the XXXX  XXXX  XXXX  XXXX XXXX, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My account with EXPERIAN was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date.

EXPERIAN Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2025-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I requested that all further communication regarding any alleged debt be conducted in writing only via mail at my mailing address. For them to stop contact me by phone at any number, including my personal phone months ago. They have repeatedly harassed me by phone calling multiple times in a single day. Multiple times a week for months. As well as emailing me on the days they call me as well. They are now calling my job leaving voicemails, I am not allowed personal calls at work and was calling in to my managers office. I have emailed them a cease and desist letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
Here is the list of fraudulent inquiries : XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX EQUIFAX XXXX  XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
On XX/XX/year>, XXXX XXXX instructed his team of Department of Government Efficiency ( DOGE ) to gain access to multiple internal systems within the XXXX  of XXXX, including financial aid dataset that contains the personal informaion of millions of students enrolled in the federal student aid program. My information was among that dataset that has been compromised.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: TX

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 explanation