vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-31 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: NC

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC XXXXi ( XXXX ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: OH

Complaint narrative:
Lived at XXXX XXXX  Apartments from XX/XX/XXXX until XX/XX/XXXX as primary signer with my Grandfather being the cosigner -- In XX/XX/XXXX2020 i moved out and informed the office manager XXXX in XXXX XXXX 2020 i would no longer be on the lease but my Grandfather would remain a resident there and be the sole primary resident. 
Everything was approved and she said she would get a new lease to his apartment. 
Not to mentioned, he renewed by himself later that year -- -- Fast forward to XXXXXXXX XXXX  2021, my grandfather sadly passed away due to covid. 
When they were told, that is when i found out my name was never taken off the lease and i would be responsible for rent until XX/XX/XXXX 2022. 

I went around and around and around with XXXX over this. They simply did not care, did not care that he died and i know have {$4000.00} in collections on my record- the collection company XXXX  XXXX XXXX based in XXXX GA is even WORSE to deal with. Cruel, mean and cold -- -- -- I was able to get them rental assistance from XXXX to XXXX The last month of rent i was not, that last month they tacked on ridiculous charges as they said a door was missing, that they had to remove a WALL??? 

I offered to pay the {$4000.00} in payments how i could -- -- but they wanted almost {$600.00} a week -- - i could NOT afford that --- they wouldn't accept anything else -- and sent it to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: LA

Complaint narrative:
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. 2025-CFPB-0002 ) 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. 
XXXX XXXX XXXX XXXX XXXX in collections

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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, 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 2025-01-31 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: LA

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 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I hope this letter finds you well. I am writing to formally request the blocking and deletion of my accounts that may have been compromised in the recent data breach, pursuant to 15 U.S.C. 1681c-2 ( a ). As a victim of this breach, I am concerned about the security and privacy of my personal information. 
Please find my personal details below for your reference : 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

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 2025-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
I contacted New REZ, regarding removal of my private mortgage insurance PMI in XX/XX/XXXX I was told since I was delinquent due to Covid relief I was not eligible which is unacceptable because during the pandemic a lot of people including myself were unable to make payments due to the pandemic. I since have made payments on time and Im well under the 80 % loan to value they are knowingly still making me pay PMI even though they know full well that my loan to value as well below 80 % and by law it should automatically be removed Ive been in this mortgage since XX/XX/XXXX its a conventional loan I believe through XXXX XXXX or XXXX XXXX which by law the lender is automatically supposed to remove PMI when it reaches a loan to value below 78 % When I call New REZ Im being told XXXX different answers by XXXX different people and theyre making me jump through hoops I have since made my payments on time its a conventional loan Ive remodeled my house and I have way more than 20 % loan to value and I should not be paying {$260.00} a month in PMI

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 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 2025-01-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Corp Solutions Inc.
State: AZ

Complaint narrative:
On XX/XX/year>, I mailed a dispute letter to Credit Corp Solutions disputing negative items on my credit report. In my letter, I specifically requested verification and documentation establishing a valid basis for claiming that I owe the debt to the current creditor. For example, I asked for : A copy of the written agreement that created my original requirement to pay.

Despite allowing sufficient time for a response, Credit Corp Solutions failed to provide the requested documentation within the legally required timeframe. Instead, I received a letter dated XX/XX/year>. This response did not include the verification and documentation I requested but instead : Mischaracterized my dispute as a duplicate dispute. 
Asked me to provide additional information regarding the disputed items. 
This failure to provide the requested information and their apparent attempt to avoid conducting a thorough investigation demonstrates noncompliance with their legal obligations under the FDCPA. 
Under federal law, including the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), Credit Corp Solutions is required to : Conduct a reasonable investigation into disputed items. 
Provide the requested verification and documentation to substantiate the debt. 
Their failure to comply with these requirements has caused harm and raises concerns about the accuracy of their reporting and collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
J.P. Morgan/Chase already to up the issue with the courthouse. A debt collection had already determined that they were not going to peruse collection. Now J.P. Morgan is trying AGAIN to settle this. I do not have the funds to pay this off, I am XXXX. XX/XX/XXXXand unable to work. They constantly call me all day.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I had my credit pulled by the XXXX major bureaus for obtaining credit through a lender I chose to work with and in XXXX hours Ive received about XXXX calls from other lenders, offering me products and services that I did not ask for. I know that the lender did not put in my contact information when pulling the credit report. 

The fact that the credit bureaus charge a lender for a credit report and then go around and sell my contact information to other lenders is insane and a violation of my privacy. The XXXX bureaus are Equifax, Trans Union and Experian.

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 2025-01-31 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: CA

Complaint narrative:
I had my credit pulled by the XXXX major bureaus for obtaining credit through a lender I chose to work with and in XXXX hours Ive received about XXXX calls from other lenders, offering me products and services that I did not ask for. I know that the lender did not put in my contact information when pulling the credit report. 

The fact that the credit bureaus charge a lender for a credit report and then go around and sell my contact information to other lenders is insane and a violation of my privacy. The XXXX bureaus are Equifax, Trans Union and Experian.

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 2025-01-31 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:
I am writing to formally file a complaint against Mohela, my federal student loan servicer, for what I believe to be improper and potentially unlawful payment processing practices. 

I have attempted to make payments toward my federal student loans, specifying amounts for individual loans. This has happened over several months of payment but the most recent was today XX/XX/XXXX. However, Mohela is altering my payment allocations without my consent, preventing me from applying my payments as intended. I understand that this issue has been raised in the past, and I am concerned that their current practices may still be in violation of federal student loan servicing regulations. 

Issue Details : Loan Servicer : Mohela Loan Type : Federal student loans Problem Encountered : When I attempt to allocate specific payment amounts to each loan, Mohela overrides my instructions and redistributes the payments differently. 
This prevents me from managing my loans effectively, potentially causing unintended interest accrual or delays in my repayment strategy. 

I have a recording of me attempting to pay the individual loan allocation and the platform not allowing me to allocate individual payment amounts and it auto resetting that I can provide.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: AZ

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2025-01-31 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 filing a formal complaint regarding an account that was previously deleted from my credit report but has now been illegally reinserted in violation of FCRA 1681i ( a ) ( 5 ) ( B ). According to the Fair Credit Reporting Act ( FCRA ), if an account is deleted from a consumers credit report, it can not be reinserted without proper notification and certification from the data furnisher. The credit reporting agency has failed to notify me in writing within five business days, as required by law, which constitutes a clear compliance violation. 

I have not received any formal notice from the credit bureau explaining the reinsertion, nor have I received any documentation verifying the accuracy and legitimacy of the account. This raises serious concerns regarding the procedures being followed by the credit reporting agency and the data furnisher, as the FCRA strictly prohibits the reappearance of unverifiable accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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 non-monetary relief
Consumer complaint received 2025-01-31 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:
Please check the information Concerning the Equifax Data Breach below in the attachments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: TX

Complaint narrative:
Im reaching out because Ive had enough of the constant errors on my report. These inaccuracies are dragging my score down, and its costing me real opportunities. Its beyond frustrating to see mistakes that I didnt create hurt my future. It feels unfair and exhausting to deal with this time and again.

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 2025-01-31 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: FL

Complaint narrative:
I am writing to formally notify you of your failure to comply with the relevant duties and responsibilities, specifically in relation to the negligence outlined in Section 16810 of the Civil Code.I am writing regarding incorrect items on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of XXXX XXXX as it is incorrect and does not reflect my true credit history.

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 2025-01-31 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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 am filing this complaint against Equifax and Experian for failing to remove a fraudulent collection account from XXXX XXXX XXXX despite clear evidence of identity theft. 

In XX/XX/XXXX, an apartment lease was fraudulently signed under my name without my knowledge or consent. I only became aware of this account when I checked my credit report in XX/XX/XXXX. I immediately requested verification from the debt collector, but they only provided the last billing statement and the leasenot sufficient proof linking me to the debt. 

I disputed this account with Equifax and Experian, yet both denied my dispute without properly investigating. Additionally, my name and addresses on my credit report were incorrect, further proving this account was fraudulently created. I was never notified or given an opportunity to dispute this debt before it was reported.

I have filed and attached an FTC Identity Theft Report confirming that my personal information was compromised in a data breach, making me a victim of identity theft. Under Section 605B of the Fair Credit Reporting Act ( FCRA ), Equifax and Experian are required to block fraudulent accounts within four ( 4 ) business days after receiving my dispute and supporting documents. Their failure to do so is a clear violation of my rights under the FCRA and I will be following up on this on the XXXX business day XX/XX/XXXX. 

I demand the immediate removal of this fraudulent account from my credit reports and a written confirmation once it is removed. Failure to comply will result in further action. 

Thank you.

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 2025-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AZ

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which

violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation