vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-06 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: IL

Complaint narrative:
I was a victim of XXXX XXXX lines of credit were obtained without my knowledge

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 2025-04-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: ME

Complaint narrative:
Our mortgage lender is Newrez LLC. We refinanced with them back in XXXX of XXXXwe were set up at our previous lender to pay into our escrow account for both our home insurance premium, and our taxes. In late XXXX our home insurance company reached out to us to let us know Newrez was refusing to pay the insurance premium. I have been trying to get this issue remedied since XXXX of XXXX, but Newrez is stating although we are paying in to our Escrow account for both taxes and escrow, we did not sign a " certain paper '' at closing that indicated we wanted our insurance escrowed. They told me I need to submit a request to have our insurance set up for escrow in the " back end '' of their system, which I did in XXXX of XXXX. They are refusing to communicate since, and have stated my request is in " review ''. I have had to make monthly payments out to our insurance company so our home insurance does not lapse, as Newrez is also sending us threatening letters in the mail stating that they will obtain new home insurance for us that will drive up the cost of our mortgage if we let our covereage lapse, but they REFUSE to pay it for us even though the moneys in escrow. At this point, they have stolen thousands of dollars from us by charging us insurance costs monthly in our escrow balance, but then not paying our XXXX XXXX home insurance with this money. 

This is all documented ( or so they say ), under case # XXXX. We have spoken specifically to a XXXX and a XXXX XXXX. 

Every time we call in for help, we are transferred around and around and the calls end up being hours long where nothing gets done. Please please help us.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: MN

Complaint narrative:
I filed bankruptcy and there are 14 inquiries on my create report. I did not authorize these. I sent letters about the inquiries and all the incorrect information on my credit report. From addresses, to name misspelled, incorrect social security number, incorrect employers, and inquiries I did not do. There should not be any creditors on my credit report, nor any inquiries or false information. 
I am writing to formally request an investigation and verification of an inquiry that appears on my credit report. According to my recent credit report obtained from your bureau, there is a credit inquiry listed under my name that I do not recognize or recall authorizing. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to dispute this inquiry and request an immediate investigation. 

I would like to bring your attention to the following details regarding the disputed inquiry : Creditor Name : All or company associated XXXX XXXX XXXX XXXX, XXXX XXXX and any other iquiry Inquiry Date : 2023 to present Inquiry Type : [ Hard or soft inquiry, if specified ] Both need to be removed I have thoroughly reviewed my records and can not recall having any contact or business dealings with the aforementioned creditor or company. Therefore, I request that you promptly conduct an investigation into this inquiry and provide me with a detailed report of the findings. 

In accordance with the FCRA, I kindly request that you adhere to the following guidelines during your investigation : Verify the accuracy and legitimacy of the inquiry with the creditor or company listed. 
Confirm that proper protocols were followed to obtain my consent for the inquiry. 
Provide documentation or evidence supporting the authorization of the inquiry. 
Contact me directly with any updates or information regarding the investigation. 
Please note that any unauthorized or inaccurate inquiry on my credit report can have a detrimental impact on my creditworthiness and financial well-being. It is my utmost priority to ensure the accuracy and integrity of my credit history. Immediately remove all inquiries. I sent letters over two months ago and no response. XXXX and XXXX is my lawyer for my bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Dave Operating, LLC
State: ID

Complaint narrative:
They always take their money on the day we get paid. 

This time, the markets start crashing like never before and they take every last cent out of my banking account a week early. When I tried to talk to them about it they said that was the fulfillment date, and it is listed as XX/XX/XXXX in the app, but I dont know if that was changed or what because its always been like clockwork. 

They always take their money back when I get paid not 7 days early really 8 days before I get paid take every last cent out of my account and then claim they are going to charge fees because of it being late. I hope you guys look into this, because it seems odd to me that they would do this on the same day that the market is crashing, they probably desperately needed liquid cash for something and so XXXX all of us to get some.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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:
There is a company by the name of XXXX XXXX XXXX ( Collections ) reporting an account on my credit profile that doesnt belong to me. This is violating my consumer rights and code 605B. I have no association with this business or accounts with this business. This business is falsely reporting information and obtained my social security number illegally. This collection account must be removed now.

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 2025-04-06 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I demand the removal of all fraudulent hard inquiries from my credit report within four days of receipt. I request that you manually process my FCRA 605B deletion request and immediately block all fraudulent inquiries, as required by law. Per FCRA 605B, no further validation from creditors is necessary once proper identity theft documentation has been provided. 

Unauthorized Inquiry : XXXX Date of Inquiry : XX/XX/XXXX Unauthorized Inquiry : XXXX Date of XXXX Unauthorized Inquiry : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Unauthorized Inquiry : XXXX XXXX XXXX Date of Inquiry XXXX XX/XX/XXXX XXXX Inquiry : XXXX XXXX Date of Inquiry : XX/XX/XXXX Unauthorized Inquiry : XXXX XXXX  Date of Inquiry : XX/XX/XXXX Unauthorized Inquiry : XXXX Date of Inquiry : XX/XX/XXXX Unauthorized Inquiry : XXXX XXXX Date of Inquiry : XX/XX/XXXX Unauthorized Inquiry : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Additionally, I request that you provide the specific reason for reporting these inquiries, in accordance with 15 U.S. Code 1681b - Permissible Purposes of Consumer Reports. 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 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 explanation
Consumer complaint received 2025-04-07 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:
It has come to my attention that my personal information has been exposed in a national data breach. After reviewing my credit reports, I noticed some accounts I am unfamiliar with. I have asked the credit reporting agencies for validation of debt, however the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint reporting the information I am not familiar with. 

Please see attached copy of my ID, The FTC compliant, a copy of the XXXX report showing my information being exposed in a national data breach and a validation of debt letter.

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 2025-04-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint against Experian for their continued failure to comply with their obligations under the Fair Credit Reporting Act ( FCRA ) in connection with multiple derogatory Self Lender accounts ( including XXXX XXXXXXXX XXXX XXXX and XXXX ). 

***Delayed Response : Violation of the XXXX Requirement On XX/XX/year>, I mailed a written dispute to Experian, and XXXX have XXXX proof of XXXX confirming they received it. Despite this, Experian failed to respond until XX/XX/year>, violating the XXXX timeline required under FCRA XXXX XXXX a ). 

When they finally responded, the dispute results contained inaccurate and invalid creditor addresses. I followed their instructions and mailed XXXX certified letters to the addresses they provided all of which were returned as undeliverable. 

***Experians Manipulative Conduct and Disregard for the Law Rather than admit their failure to meet FCRA obligations or provide accurate data, Experian : Initiated a new dispute on XX/XX/year> without any request or action from me. 
Updated the creditor addresses silently without acknowledging their original failure. 
Closed the new dispute to give the appearance of compliance while evading the consequences of their original non-response. 

***Important Clarification : I Never Requested the XXXX Dispute To be clear, I have not submitted any dispute requests through Experians online portal since my original mailed dispute in XXXX. 

In fact, I intentionally chose to handle my disputes exclusively by mail because I have previously witnessed Experian open disputes and close them without my consent or direction a practice that undermines transparency, accountability, and the integrity of the process. 

When Experian opens disputes without consumer initiation, it muddies the investigative timeline, creates fraudulent audit trails, and serves as a mechanism to delay or evade legal responsibility. This conduct is not only deceptive it undermines the consumer protection framework entirely.

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 2025-04-06 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: OH

Complaint narrative:
I am filing a formal complaint against Equifax and TransUnion for failing to conduct a reasonable investigation of a disputed debit reported on my credit file, in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( a ) ( 1 ) ( A ). Despite my formal dispute and demand for verification, the company has refused to remove inaccurate information and failed to provide proper documentation supporting the validity of this debit. 
Complaint Details 1. XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Disputed Amount : {$2600.00} 2. XXXX XXXX XXXX / XXXX Account Number : XXXX Disputed Amount : {$1700.00} XXXX XXXX XXXX : Involved : Equifax and TransUnion Summary of the ViolationFailure to Conduct a Reasonable Investigation : Per 15 USC 1681i ( a ) ( 1 ) ( A ), the company is required to conduct a thorough review of disputed information. However, it has failed to provide any valid proof supporting the accuracy of the reported debit.

Failure to Provide Documentation : Despite my request, the company has not supplied a copy of the original contract with my wet ink signature, nor have they provided any verifiable proof of the debts legitimacy.

Failure to Provide a Collection License for Ohio : The company has also refused to furnish proof of licensure to collect debts in the State of Ohio, further questioning the legality of their reporting practices.

Violation of FCRA Section 611 ( a ) ( 7 ) : The company has not provided all records and procedures used in their investigation, as required under federal law.

Potential Unlawful Collection Practices : If the debt stems from unlawful or fraudulent activity, this would also constitute a violation of 18 USC 894 ( Criminal Usury Law ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have called since the credit was on the account the XXXX and XXXX of XXXX requesting my refund. Online it says XXXX business days from request I should receive and I have not. I call and nobody has answers or even helpful at all. Each time I am transfered to a Supervisor they aren't helpful either. I have called several times since the credit was posted from me over paying the balance XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have several account that was deleted out my Experian, XXXX credit reporting. For quite some month now. And magically today it reappears I would like these account to be deleted asaap

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 2025-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: OH

Complaint narrative:
Hello, XXXX XXXX on cash app XXXX XXXX XXXX ) have been stolen by some random guy named XXXX XXXX. And I have asked cash app to look into it for me, they told me 10 business days. 7 days later they closed it because they said it came from or someone I know but that is not true. Another reason they said its closed on the investigation is because I have not reached out for 3 days, which makes no sense because they told me to wait for 10 days. My money is gone please help me get it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Fidelity National Information Services, Inc. (FNIS)
State: IL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following Inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2025-04-06 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
On XXXX XXXX of XXXX I received an American Express gift card with a value of XXXX XXXX. The date on the card said it would not expire until XX/XX/XXXX so I decided to save it for a later date. On XX/XX/XXXX I attempted to use the XXXX XXXX American Express gift card at the video game retail website XXXX  for a purchase of XXXX XXXX, it did not work. I then realized it was because the card was not activated so I went to the website at the back of the card, AmexXXXX/Balance but it said my card did not exist. I then called the number on the back, XXXX, and activated the card using their automated system. I then attempted to make a XXXX XXXX  on XXXX but it said my card was declined. 

I then attempted to use the card at the convenience store XXXX to purchase a gift card for the video game retail website, XXXX, with a value of XXXX XXXX but the card was declined. I then proceeded to call the number on the back of the card, again, and inquired as to why it did not work. I was told by the operator that the card was declined on their end as it had not been activated. 

So, once again, I attempted to activate the card using the website listed on the back but was once again told by the website my card did not exist. I then called the number on the back of the card, activated it again using the automated system, and then called again to have an American Express phone operator check my card. The operator told me the card had a value of XXXXXXXX XXXX 

Once again, I attempted to make a purchase of XXXX XXXX  on the website XXXX  using the gift card but the card was declined. I proceeded to call the number on the back of the card for a fourth time to see if they could activate the gift card manually, but was told they could not. I attempted to activated via the website and phone several more time but it did not work. 

I proceeded to call the number on the back to speak with an operator two more times to see if they could replace the card or do anything so that I could acess the funds but my questions were not answered. All I was told was to try again later. 

So on XX/XX/XXXX I once again attempted to use the card on XXXX, it was declined. I attempted to activate my card via the website on the back of said card but was told the card didnt exist. I activated my card via the automated phone system and it told me the balance of my card, but the card did not work when I attempted to use the XXXX on XXXX. I talked to an operator again but none of my questions were answered and they repeated the information I was told the day before.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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:
I am writing to formally request the removal of an account reported by XXXX, which was listed as a closed account with a {$0.00} balance, from my credit report. I disputed this account with XXXX, and their investigation was completed on XXXX XXXX XXXX. As a result of the investigation, XXXX deleted the account from my credit report. This action confirms that the information is unverifiable, and your agency is now required to delete the account in compliance with federal law. 

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ), credit reporting agencies are mandated to ensure that all information they report is accurate, complete, and verifiable. Since XXXX has determined that this account can not be verified and removed it from my credit report, it is your legal obligation to do the same. 

Furthermore, FCRA 609 and 611 state that unverifiable accounts must be removed within 30 days of a dispute. Therefore, I request that you promptly investigate and remove this account from my credit report within the legally required timeframe.

If you fail to remove this unverifiable account, I must inform you that FCRA 616 and 617 provide consumers with the right to take legal action against credit reporting agencies for non-compliance. Legal remedies may include suing for damages caused by the failure to ensure accurate reporting and failure to delete unverifiable accounts. 

For your reference, I have attached a copy of my XXXX credit report confirming the deletion of this account. Please confirm in writing once the account has been removed, or provide any documentation verifying its accuracy if you choose not to delete it. 

If this matter is not resolved within 30 days, I will escalate my concerns by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and may explore additional legal remedies to protect my rights as a consumer. 

Thank you for your attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with non-monetary relief