vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-05 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: TX

Complaint narrative:
Subject : IMMEDIATE REMOVAL OF FRAUDULENT HARD INQUIRIES FINAL NOTICE BEFORE LEGAL ACTION To Whom It May Concern, This letter serves as my FINAL WARNING before I escalate this matter through legal action, regulatory complaints, and media exposure regarding your willful violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, 15 U.S.C. 1681b, and 15 U.S.C. 1681i.

I recently reviewed my credit report and identified unauthorized hard inquiries that I NEVER approved. According to 15 U.S.C. 1681b, a consumer reporting agency CAN NOT furnish my credit file to any entity without my explicit written consentyet these inquiries appeared without my permission.

Additionally, per 15 U.S.C. 1681c-2, I have the legal right to request a block or removal of any information resulting from identity theft or unauthorized access. Since I never authorized these inquiries, I demand their IMMEDIATE deletion from my credit report. The fraudulent inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under 15 U.S.C. 1681i, you are REQUIRED to conduct a full and fair investigation within 4 DAYS. However, considering the clear violation of federal law, I expect this matter to be resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: TX

Complaint narrative:
I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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 hope youre doing well. Im writing because Ive found an entry on my credit report that is both inaccurate and misleading. The account in question is currently in pending litigation, and Ive noticed that its still being reported as active on my credit file.

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 2025-03-05 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:
Subject : Complaint Against Equifax for Inaccurate Information and Failure to Validate Debt Dear CFPB Representatives, I am filing a formal complaint against Equifax due to their unsatisfactory response to my dispute regarding a collection account on my credit report. 

I submitted a dispute with Equifax requesting validation of a collection account reported in my credit file. However, their response stated that the information was " verified as accurate, '' yet they failed to provide valid documentation to support this verification. 

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, credit bureaus are required to conduct a reasonable investigation when a consumer disputes the accuracy of an account. The lack of verifiable documentation of the alleged debt constitutes a violation of my rights as a consumer under the FCRA. 

I am attaching Equifaxs response for your review and request the CFPB 's intervention to ensure compliance with the law. I demand the immediate removal of the disputed account, as it has not been properly validated. 

I appreciate your prompt attention to this matter and look forward to your response regarding the next steps.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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:
Credit inquiry on my TRANSUNION credit report from XXXX XXXX  is incorrect.

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 2025-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: CO

Complaint narrative:
We received our 1098 end of year tax form in XXXX XXXX We filed our taxes as normal, received our refund from federal and state a few weeks later. On XXXX XXXX XXXX, we received an email from Shellpoint mtg/Newrez stating that they made a mistake on the 1098 form and have added a corrected form to our account. This is way past the XX/XX/XXXX time frame for companies to normally get tax documents to customers. 

This is not our first complaint with this mortgage servicer. Since our mortgage was transferred from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the company was rebranded at the same time to Shellpoint/Newrez confusing the process which looked like a scam until I called the previous mortgage company to confirm the servicer had changed to shellpoint. 


The first few statements with them were pages long in transactions and should have only be 1-3 lines of information. They asked for patience during the transition period. 

In XXXX, we received 2 letters in the mail from Shellpoint days apart stating that we did not have hazard insurance on the property and If Shellpoint chose the insurance it would be at a higher cost. We were in the middle of a year long term and paid our insurance through escrow. I called the company and uploaded proof of insurance on our home. The company said to disregard the letter it was an accident. I said why would they pay to send not one but two letters incorrectly. We still have the letters. 

In XXXX, our mortgage was autodrafted twice from our checking and bounced because we did not have the funds in our checking account. They " put the money back after realizing '', and charged us a NSF fee. Which we called to have reversed since it was not our doing. 

Our home 's taxes were not paid on time despite paying escrow the whole time we have been in the house. We received a letter from our County Tax dept that the taxes have not been paid to our surprise. It took several phone calls to get our taxes paid through the mortgage 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 2025-03-05 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: CO

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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 2025-03-05 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: KS

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 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 2025-03-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
Almost 16 or 17 years ago I obtained an auto loan from Santander. After a few years the vehicle needed constant repairing and I was financially unable to make repairs and pay the loan ; therefore, I requested that the company pick up the car in XXXX or XXXX. I received notice that Santander sold the vehicle and I was responsible for the remaining amount which I did not dispute. After I few years I was contacted by XXXX XXXX XXXX concerning the Santander debt. The collection was filed in a Georgia court and through the court the debt was paid. The final payment was made in XXXX, 7 years ago. Since paying off the debt, I have received calls from at least three different collection companies ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) just to name a few, for the same debt that is not only past the statue of limitations but also paid in full. At this point I feel harassed and very disturbed that my privacy is being violated in that my personal information is unnecessarily floating from company to company. Also, with each call I have to prove that this debt is paid which is tiresome and inconvenient.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: FinCo Services Inc DBA Current
State: SC

Complaint narrative:
It was a few years ago I did t remember the exact dates but I can get them.. I was banking with Current bank, an online bank when they were fairly new. I was getting my paycheck direct deposited there and I had lost my phone and when I had been ready to receive my paycheck the following week I downloaded the app to check my balance after my card got declined and to only discover that a person whos name Ill give you later had received a XXXX some thing payment I electronically sent them. Now at the time Current offered no kind of overdraft Protection nor was I even sure of the kind of transfer it was it was just a first and last name greyed out and I couldnt click on it to pull up any info or nothing and not only did I lose that paycheck but I got fired the following week and asked my company to please not deposit the next check in there but they did anyways so I called and asked again but they even put my last paycheck in there bringing the balance to XXXX something dollars so I got 3 paychecks stolen and a reputation with this bank to be someone who did wrong with an account and I know its on record because Im still not allowed to have an account with them today. And to top all this off I called and called and called customer service and they would just put me on hold, disconnect my calls, I even heard several people burst out in laughter in the background one time and if they did ever come back from putting me on hold it was to tell me that I had reached the highest command and that theres nothing that could be done that I had committed fraud and should be glad they arent taking. Further action. So after that I gave up but years later Im on XXXX and I hear about the fact that I can file a complaint with you guys and this should be a good one for you and it should be so easy and simple I would like to sue for a lot I mean that needed up costing me my job because I didnt have money for gas or nothing to get back to work so then I was fired and then any money I had to try and return to work or find another job was also stolen pretty much sending my life into a many years long downward XXXX hole that I would have never went down. These people at Current helped somebody steal from me, made fun of me, and it was just ok for them to do like I was in complete shock, but I bet they are about to feel that same shocked feeling I once felt and I cant wait. Please look into this for me it will be a great story I believe

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: OH

Complaint narrative:
Hello, I was a victim of identity thief from XXXX XXXX XXXX data breach, XXXX 's data breach, Experian data breach, XXXX and Trans Union data breach from XXXX and fraudulent accounts were opened without my knowledge. I summited all necessary information to all three credit bureaus online and by US mail XXXX XXXX. To be told the debits are valid and it doesn't matter if I did the debits or not I am libel for them even those the accounts were open fraudulently.. They said all their job is to do is validated a debit and nothing more. Then they wanted to all sell me their products, claiming somehow buying their credit monitoring was going to stop my indention from being stolen again. Needles to say I don't buy in to there... Stuff. And on XX/XX/XXXX I resubmitted by certified US mail a request again for an investigation and have this fraudulent accounts removed from my credit report. I am enclosing all information I sent to all 3 credit bureaus.

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 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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: NJ

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc.
State: GA

Complaint narrative:
I have information on my credit that I'm not aware I have become a victim of identity theft an they have multiple thing in my name

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: WA

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: AUSSRQ Holdings, LLC
State: NV

Complaint narrative:
Oliphant USA sends text messages at XXXX XXXX XXXX time as well as places calls before XXXX XXXX  trying to communicate with me about a debt as well as multiple phone calls and emails daily about the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Chime Financial Inc
State: OH

Complaint narrative:
a person sent funds to me via the chime app on XX/XX/XXXX. the funds can not be canceled or sent back to the person who sent it to me. my only option to access the funds is to activate a debit card that chime is mailing to me. per Chime i am not expected to receive the card until XX/XX/XXXX. I did not choose to use chime but the only way to access funds is to activate their card. chime holds my funds for 2+ weeks. chime adverstises as " Pay Anyone the fast, fee-free way. Pay friends and family fee-free, no matter what bank account they use. They can cash out instantly and securely, no sign-up needed. '' but this is false, the only option you have to access the funds is to use their virtual card which allows them to collect transactional fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Valon Technologies, Inc.
State: NH

Complaint narrative:
My mortgage company, XXXX XXXX, sold my mortgage to Valon Mortgage effective XX/XX/XXXX unbeknownst to me. In XX/XX/XXXX, I discovered this when I noticed the mortgage payment did not come out on time like it normally did and after digging, I found that this happened. 

In XX/XX/XXXX, I received a notice that my Property Taxes that were due in XX/XX/XXXX, were not paid by the mortgage company, but my escrow was continuing to grow. I immediately contacted Valon Mortgage to find out why they didn't pay and figure out what to do. They worked to pay the mortgage and accrued interest. 

My property taxes cost around $ XXXX per year. I am charged about $ XXXX in XXXX and around $ XXXX in XXXX. When receiving all paperwork for my XXXX Tax Return, the only amount I was able to claim was the $ XXXX amount, which means I am getting {$650.00} less back on my tax return. The problem with this is that the government caps your property tax allotment at $ XXXX so there is no way for me to get the refund for that. When I contacted Valon, they are refusing to reimburse me for this amount and said it will show up on my XXXX Tax form as paid in XXXX. I have reached out multiple times and they are refusing to make their error right other than paying the taxes ( with my money ) and fix the interest owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) 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 explanation
Consumer complaint received 2025-03-05 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) 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 non-monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America requires you call to close your account. However, everytime I call I spend way to long on hold and no one picks up. After wasting a ton of time, I opted to file a complaint instead.

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