vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute the reinstatement of fraudulent accounts on my credit report. These accounts were previously disputed and subsequently removed due to their fraudulent nature. Their reinsta tement without proper investigation and certification violates several provisions of the Fair Credit Reporting Act ( FCRA ), specifically : Section 611 ( a ) ( 5 ) ( B ) : Prohibition on Reinserting Previously Removed Information Under the FCRA, credit reporting agencies are prohibited from reinserting information previously deleted unless : The furnisher certifies the accuracy and completeness of the information.

The credit bureau notifies the consumer within 5 business days of the reinsertion. 
As of this writing, I have received no such certification or notification regarding the reinstatement of these accounts. 
Request for Immediate Action I request the following actions be taken within 5 days of receipt of this letter : Removal of the fraudulent accounts from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I am a victim of identity theft due to a data breach, and as a result, seven fraudulent accounts and multiple unauthorized inquiries have been added to my credit report across all three credit bureaus : XXXX, XXXX, and XXXX. The fraudulent accounts in question are as follows : XXXX XXXX ( Account Number : XXXX ) XXXX XXXXXXXX XXXX XXXX ( Account Number : XXXX ) XXXX XXXX ( Account Number : XXXX ) XXXX XXXX  Midland Credit Management XXXX XXXX XXXX XXXX XXXX ( Account Number : XXXX ) Midland Credit Management XXXX XXXXXXXX XXXX ( Account Number : XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Account Number : XXXX ) I did not open or authorize these accounts, nor am I responsible for any transactions, balances, or inquiries associated with them. These accounts are now showing up on reports from XXXX, XXXX, and XXXX, severely impacting my XXXX XXXX and misrepresenting my financial behavior. 

On XX/XX/year>, I sent written requests to the creditors involved to verify the accuracy of these debts, as required under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ). To date, I have not received any response or validation. Failure to verify these debts within 30 days violates my rights under the FCRA, and these accounts should have been removed as a result.

Furthermore, the FCRA 605B ( 15 U.S.C. 1681c-2 ) requires credit reporting agencies to block information resulting from identity theft upon notification. I have provided sufficient evidence that these accounts are fraudulent and demand immediate action to correct my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: WA

Complaint narrative:
My bank transferred money to a Zelle account. The recipient said she never received the money. Zelle repeatedly said they would not/ could not verify that the money was deposited in the recipient 's account ( employee XXXX XXXX, badge number XXXX, although he did lie about giving me the correct department phone number, as his department was the wrong one ). 
The recipient still claims there was no transfer of the payment. 
My bank claims the transfer was completed. 
My bank sent the following : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Either Zelle is refusing to transfer the money to the recipient or the recipient is trying to defraud me. Without Zelle or the recipient confirming the transfer, I can do nothing and need help.

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, MI, XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information XXXX XXXX XXXX Dear Experian, I am writing to formally dispute inaccurate information on my credit report. Specifically, I am referring to the following items : XXXX. XXXX Account number : XXXX XXXXXXXX XXXX XXXX Account number : XXXX XXXX. XXXXXXXX XXXX Account number XXXX XXXX. XXXX XXXX Account number : XXXX XXXX. XXXXXXXX XXXX XXXXXXXX Account number : XXXX XXXX. XXXX Account number : XXXX XXXX. XXXX Account number : XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX. XXXX XXXX XXXXXXXX XXXX Account number : XXXX XXXX. XXXX XXXX XXXXXXXX In light of the recent decision in the CFPB vs. Experian case, I am requesting that you thoroughly investigate and correct these entries, as they may be in violation of my rights under the Fair Credit Reporting Act ( FCRA ). According to this case, credit reporting agencies, including Experian, are required to accurately report all information and ensure it is substantiated by proper documentation. 

If the information can not be verified as accurate or if it is found to be incomplete or outdated, I request that these negative entries be removed from my credit report. Specifically : If the account is marked as charged off or in collection, I request validation of the debt to confirm its accuracy. 
If there are any bankruptcy entries on my report, I request verification of the dates and discharge status to ensure they comply with proper reporting guidelines. 

Additionally, under the FCRA, I am entitled to an accurate and complete credit report. I would appreciate receiving confirmation of the removal of these items or details of the investigation findings as soon as possible. 

Please be aware that under the CFPB guidelines and the FCRA, failure to correct or remove this erroneous information within the required XXXX period may result in further legal action.

Thank you for your attention to this matter. I look forward to your prompt response and the resolution of this issue. 

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 explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Chase Bank recently closed all three of my credit card accounts, where I have been a customer for XXXX years. I had approximately XXXX Ultimate Rewards ( UR ) points across these accounts, which are also about to forfeited shortly after closure. I strongly believe this action was taken unfairly as I have consistently followed the terms and conditions of the accounts and paid all bills on time. 

I contacted Chase customer service on XX/XX/XXXX to request clarification and resolution. Despite my efforts, Chase has not provided a satisfactory explanation or taken steps to resolve the issue. 

I believe Chase has acted unfairly in this matter. The abrupt closure of my accounts and forfeiture of my rewards points without adequate justification violates fair practices and undermines consumer trust.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: EQUIFAX, INC.
State: OK

Complaint narrative:
I have requested for numerous months throughout the year for written method of Validation for all accounts that the are listing on my credit report. They only send me the credit report with the same comments that they validated the accounts as accurate. They have not provided me proof of said items to include the request of method of validation. 

XXXX XXXX-showing late payments that are incorrect. Requested negative information to be deleted unless validated correctly and provided proof. 

XXXX XXXX XXXXXXXXShowing derogatory and I've requested the method of validation. Requested to be deleted in not validated correctly. 

XXXX XXXXRequested method of validation and to be deleted if not provided requested information. 

XXXX XXXXXXXXshowing late payments that are incorrect. Requested negative information to be deleted unless validated correctly and provided proof. 

XXXX XXXX XXXX-Requested method of Validation and proof of negative information or delete from report. 

XXXX XXXX XXXXRequested method of Validation and proof of negative information or delete from report. 

XXXX-Requested method of Validation and proof of negative information or delete from report. 

XXXXRequested method of Validation and proof of negative information or delete from report. 

XXXXRequested method of Validation and proof of negative information or delete from report. 

XXXX XXXX XXXX Requested method of Validation and proof of negative information or delete from report. XXXX XXXX XXXX XXXXXXXX XXXX DOES NOT report this information to any credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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: OK

Complaint narrative:
I have requested for numerous months throughout the year for written method of Validation for all accounts that the are listing on my credit report. They only send me the credit report with the same comments that they validated the accounts as accurate. They have not provided me proof of said items to include the request of method of validation. 

XXXX XXXXXXXX-showing late payments that are incorrect. Requested negative information to be deleted unless validated correctly and provided proof. 

XXXX XXXX  XXXX-Showing derogatory and I've requested the method of validation. Requested to be deleted in not validated correctly. 

XXXX XXXXRequested method of validation and to be deleted if not provided requested information. 

XXXX XXXXXXXXshowing late payments that are incorrect. Requested negative information to be deleted unless validated correctly and provided proof. 

XXXX XXXX XXXXRequested method of Validation and proof of negative information or delete from report. 

XXXX XXXX XXXXRequested method of Validation and proof of negative information or delete from report. 

XXXX-Requested method of Validation and proof of negative information or delete from report. 

XXXXRequested method of Validation and proof of negative information or delete from report. 

XXXX-Requested method of Validation and proof of negative information or delete from report. 

XXXX XXXX XXXX- Requested method of Validation and proof of negative information or delete from report. XXXX XXXX XXXX XXXXXXXX XXXX DOES NOT report this information to any credit reporting agencies.

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 2025-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees incurred. Despite having insufficient funds with transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similiar practices when the transactions settled with insufficient balances despite intillay available funds. I believe these practices are unfair and request and investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: WA

Complaint narrative:
XXXX, XXXX, and TransUnion have compromised my personal information though data breaches ; and/or have failed to investigate disputed information on my credit reports, and make the appropriate corrections, even after reporting identity theft through the FTC.

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 2025-01-25 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: WA

Complaint narrative:
XXXX, Equifax, and XXXX have compromised my personal information though data breaches ; and/or have failed to investigate disputed information on my credit reports, and make the appropriate corrections, even after reporting identity theft through the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
I closed on a loan with XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. When I closed, the initial escrow payment was {$710.00}. The monthly escrow payment was {$180.00}. I have attached the closing disclosure signed at closing and the XXXX XXXX XXXX showing this. I have also attached a closing disclosure I received from XXXX XXXX XXXX on XX/XX/XXXX, which shows the same thing. 

Today, I received a letter from Newrez LLC saying my loan was transferred to them. In the letter, there is a section called " Loan Information '' which says my escrow balance is {$670.00} and my monthly escrow payment is {$180.00}. I have attached a photo of this letter. 

The loan was transferred before I even made any payments and the loan principal balance is still {$220000.00}, which is the same as what it was at closing. There should not have been any payments made out of the escrow account as the property taxes are not due for another year and there is no homeowner 's insurance required for the loan, as XXXX XXXX XXXX cleared the loan to close without any homeowner 's insurance. 

I called Newrez today and they said they have no record of any payment history on my account and they can not see why my escrow account balance decreased by {$33.00}. I would like them to add this {$33.00} back to my escrow account or send me a refund for the {$33.00} that have disappeared from my escrow account.

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 2025-01-24 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: MD

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes, Furthermore, Equifax 's actions may also contravene the consumer financial protection act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( FILE No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XX/XX/XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I recently received a copy of my ( Experian, XXXX, or XXXX ) credit report, and I noticed some late payments posted on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These late payments could not possibly be accurate, for I was incarcerated from XX/XX/XXXX until XX/XX/XXXX. Enclosed is a copy of the order setting the conditions of my release signed by a United States Magistrate Judge and the Deputy Clerk from the United States District Court for the XXXX XXXX XXXX Pennsylvania. I was under federal detention for six years straight, so I respectfully request that you immediately delete/remove the late payments from this account being as though I was incarcerated under federal detention. I am also enclosing a copy of my Pennsylvania I.D . and a copy of my credit report. 
I am now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt 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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CREDIT ACCEPTANCE CORPORATION
State: MD

Complaint narrative:
I am disputing inaccuracies on my credit report that I believe are erroneous and negatively impacting my credit score. These inaccuracies involve the following companies : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Credit Acceptance Corp XXXX XXXX XXXX XXXX XXXX  : 1. My identity was breached, and I was notified of this breach through XXXX XXXX. I believe this breach may have resulted in unauthorized or incorrect reporting on my credit file.

2. I have identified inaccurate information linked to the above companies on my credit reports from XXXX, XXXX, and XXXX. 
3. Despite attempting to resolve these inaccuracies by contacting the credit bureaus directly, the errors remain unresolved. 

Actions Taken : I contacted the credit bureaus to dispute the inaccurate items, but their responses have been inadequate. 
I also reached out to the above companies for clarification, but I have not received satisfactory responses or resolutions. 

Dates and Amounts ( if applicable ) : The inaccuracies appear across multiple months and include amounts and accounts that I do not recognize or that are reported incorrectly. 
Specific account details and discrepancies have been highlighted in the dispute letters sent to the credit bureaus. 

I request that the CFPB investigate these inaccuracies and ensure the information is corrected or deleted as necessary. Additionally, I request that the companies involved provide proper documentation to verify the accuracy of the reported information i requested and have not received support.

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 2025-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Revco Management, LLC
State: VA

Complaint narrative:
On XX/XX/XXXX I sent a certified letter asking for Revco XXXX  to cease all calls to me or my family, and to only contact me through letter mail moving forward about negotiation of a {$3600.00} private loan debt that was transferred to them from my bank on XX/XX/XXXX. The certified letter was addressed to the mail to address listed on the debt letter Revco XXXX had previously sent me on XX/XX/XXXX. According to USPS tracking and XXXX XXXX  I communicated with personally, the cease and desist letter was delayed due to technical issues, but after resolution it was successfully delivered on XX/XX/XXXX. Revco XXXX has called me three times since : on XX/XX/XXXX, on XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief