vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Credit Services Inc.
State: MD

Complaint narrative:
I am writing to formally submit a complaint regarding multiple inaccurate and unverifiable accounts that have been reported on my credit file. These accounts are attributed to me by third-party companies, but I dispute their validity. The accounts in question are as follows : 1st Credit Services ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Balance : {$260.00} Account Status : Open Dispute : I have no record of any gym membership with XXXX XXXX XXXX XXXX XXXX XXXX, and this account does not belong to me. 
1st Credit Services ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Balance : {$200.00} Account Status : Open Dispute : I have no record of any gym membership with XXXX XXXX XXXX XXXX XXXX XXXX, and this account does not belong to me. 
These disputes involve violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i concerning procedures for disputed accuracy. The accounts I am disputing contain erroneous, outdated, and unverifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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:
My Experian credit report contains serious reporting errors that should have never been included. This level of negligence is unacceptable and raises major concerns about the reliability of your verification process. These inaccuracies are actively damaging my credit profile, and I will not allow them to go unchallenged. 

The following disputed accounts need immediate correction : XXXXXXXX XXXX XXXX XXXX  - {$4900.00} XXXX XXXX XXXX XXXX XXXX  - {$150.00} XXXX XXXX XXXX XXXX XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX - {$13000.00} As a consumer, I am legally entitled to a credit report free from false or unverifiable information. The FCRA mandates that all reported data must be 100 % accurate and provable. If these errors can not be supported by concrete documentation, they must be removed immediately. I demand a thorough reinvestigation and immediate resolutiondelays will not be tolerated.

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 2025-03-17 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint Regarding Inaccuracies on Credit Report and Equifax & Transunion 's Misrepresentation Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against Equifax & transunion regarding persistent inaccuracies on my credit report and their subsequent miscommunication regarding the necessary documentation to resolve these issues. 

Background : I have been monitoring my credit report closely and have identified several inaccuracies that I believe are negatively impacting my credit score. Specifically, [ briefly describe the inaccuracies, e.g., incorrect account information, late payments that are not mine, etc. ]. 

I initiated a dispute with Equifax & Transunion on [ XX/XX/XXXX ], providing them with supporting documentation that clearly demonstrates these inaccuracies. However, despite my efforts, I received a letter from Equifax on [ XX/XX/XXXX ] stating that I needed to resubmit documents that were already included in my initial submission. 

Issues with Equifax : Misrepresentation of Information : Equifax & Transunion stated in their correspondence that the inaccuracies were not clear, despite the documents I provided being explicit in demonstrating the errors. This has caused confusion and frustration. 

Lack of Resolution : After multiple attempts to resolve this issue, including follow-up communications with Equifax & Transunion , I have not seen any progress or acknowledgment of the inaccuracies on my credit report. 

Impact on My Financial Health : Due to these inaccuracies, I am experiencing setbacks with obtaining a stable and secure place to live for me and my child, this situation is causing significant stress and financial hardship.

Request for Assistance : I kindly request the CFPB 's intervention in this matter. I would appreciate your assistance in ensuring that Equifax & transunion takes my dispute seriously and corrects the inaccuracies on my credit report promptly. Furthermore, I would like Equifax to be held accountable for their miscommunication regarding the documentation requirements.

I have attached copies of all relevant correspondence with Equifax & Transunion, including my initial dispute, their response, and any supporting documentation. 

Thank you for your attention to this matter. I look forward to your timely assistance in resolving these issues. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: RoundPoint Mortgage Servicing LLC
State: CO

Complaint narrative:
I received a letter from the State of California Controller 's office dated XX/XX/XXXX regarding an unclaimed property with Roundpoint Mortgage. The letter was sent to my mother 's home in XXXX since it was my last updated address, although I have been in living in XXXX since XXXX. 

I called Roundpoint on XX/XX/XXXX and they advised me to send an email with the attached letter and the updated address in XXXX. They stated that it was money that was owed to me after the sale of my home, which is was left in escrow. In this email, I included all the information they requested regarding this matter. They claimed to have sent the check to the XXXX address when I called back on XX/XX/XXXX and said that I needed to wait a couple of days since it wasn't quite the full 10 business days. I asked them on that day to void the check and to cut a new one to send to the address in XXXX  that was indicated in the email sent to them on XX/XX/XXXX. They said this time that it would take 5-10 business days and there was no way to expedite the check since it is not procedure. 

Today is XX/XX/XXXX, way past the 10 days that they said it would take for me to get the new check, and still no check was received. I called this morning, and they stated that they " escalated '' the case and that I have to wait up to 72 hours. 

In the meantime, my mother in XXXX, where the first check was apparently mailed, has still not received the voided that was already en route before it was voided on XX/XX/XXXX. And no one from the " unclaimed property '' department will talk to me except via a generic email to confirm the receipt of emails and requests. The Roundpoint rep stated today that because I no longer have a loan with them, it takes them longer to investigate ( I sold my FL home about 5 years ago, and that ended my relationship with them as a customer ). That is just an excuse at this point because they have proof with the letter from the XXXX State Controller 's office since the initial email, and Roundpoint reps have confirmed that the company owes me {$2000.00}. It is almost 2 months since I initially sent the email.

I read quite a bit about a multitude of lawsuits against this mortgage company regarding their lack of accountability towards their current and past customers. I am very frustrated that they did not even try to call or email me about this unclaimed property in the first place. They are quick to penalize their consumers when they aren't making their mortgage payments, but they do not seem to think that they owe us the same accountability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: MI

Complaint narrative:
Ive reviewed my consumer report and noticed consumer violations against me. XXXX is reporting my credit usage and late payment transactions. This excerpt is from the Fair Credit Reporting Act ( FCRA ) under 15 U.S. Code 1681a ( d ) ( 2 ), which defines exclusions from the term " consumer report. '' Summary of the Exclusion : Specifically, under subsection ( A ) ( i ), a report that contains only information about transactions or experiences between the consumer and the person making the report is not considered a " consumer report. '' Im attempting to inform you of your violations, so youre able to make the corrections Im presenting to you. If you choose to continue your violations, then you are willingly and knowingly breaking the law to bear on my credit worthiness.

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 2025-03-17 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: TD BANK US HOLDING COMPANY
State: OR

Complaint narrative:
TD financing company 's ( Bank ) reports my ( XXXX XXXX ) being late for payments for XX/XX/2025 and XX/XX/2025 but for which payments are made as always, and for which there was no notice or letter even after 30 days being late. 
Bank 's representatives make clear that they don't care about reason or about issue or even the error from their side. They are not willing to investigate issue and they don't want to assist even after mentioning system ( website payment page ) issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Shield Home Loans Inc.
State: TN

Complaint narrative:
non stop HARRASSMENT and harrasing behavior their mailings are deception no business address they try to make them look official to scam people into opening their mail to waste their time on this garbage, I have asked to have they atop harrassing me and my husband and yet today i get another letter from this XXXX XXXX XXXX  terrorism me and my husband

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: AR

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX Date of Birth XXXX XXXX XXXX  SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Dear Transunion, I am writing to dispute the following information that appears on my Transunion report from XX/XX/XXXX : XXXX XXXX Revolving account with account # XXXX opened on XX/XX/XXXXXXXX  and a balance of {$0.00}. 
The current payment status of 120 days past due is incorrect because the balance due on this account is {$0.00}. 
XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$720.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX XXXX  Revolving account with account # XXXX opened on XX/XX/XXXXXXXX  and a balance of {$520.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX XXXX XXXX  Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX XXXX Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$80.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$420.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX XXXX Revolving account with account # XXXX opened on XX/XX/XXXXXXXX  and a balance of {$690.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
Collection account from XXXX with account # XXXX and a balance of {$140.00}. The original creditor is XXXX XXXX. 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 
Please reinvestigate these matters and delete or correct the disputed information as soon as

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 2025-03-17 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: NJ

Complaint narrative:
I just reviewed my credit report and notice some inquiries I don't recognise. I'm really anxious because I believe I've been a victim of fraud. This whole situation has been incredibly stressful, and it's preventing me from accessing the credit I urgently need. I'm truly overwhelmed and don't know what else to do. Please, I sincerely ask for your help in getting these fraudulent inquiries removed. Any assistance you can provide would mean so much to me. 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 response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: FL

Complaint narrative:
My credit report contains late payment remarks that I firmly believe are inaccurate and misleading. These incorrect records are unfairly lowering my credit score, and I refuse to accept this damage to my financial reputation.

The following late payment remarks require immediate correction : Company Name : XXXX  XXXX - Account # : XXXX - Past Due Amount : {$0.00} Company Name : XXXX  XXXX - Account # : XXXX - Past Due Amount : {$0.00} I have diligently maintained my financial responsibilities, yet these errors continue to create unnecessary obstacles. The FCRA clearly states that any incorrect, outdated, or unverifiable information must be promptly corrected or removed. I demand immediate action to rectify these errorsany further delay will be seen as deliberate negligence.

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 2025-03-17 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: AZ

Complaint narrative:
This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities.

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report. 
Provide written results of your reinvestigation within the 30-day timeframe required by FCRA 15 U.S.C. 1681i ( 6 ).

Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. '' Accounts highlighted in green represent inaccurate payment history and must be corrected immediately. Accounts marked in yellow as charge-offs violate FDCPA Section 807 due to false and misleading reporting. These, along with any incorrect personal information, must be deleted immediately from my credit profile.

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 2025-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
False advertising and false statements made. Huntington National Bank is now holding my money hostage and demanding that I, a XXXX XXXX  veteran with no transportation make an appearance since they shut off all communication and access to my own money they were trusted to protect. 

Overdraft protection from Huntington did exactly the opposite. Rather than stop when my account didn't have thr necessary funds they proceeded to pay and charge me overdraft fees, which as I understand the account type to be preventing or protecting me from being charged. Several hundred dollars worth of fees from their " protection ''. 

I asked for a single stop payment and they stopped 3, then the representative told me it was not on their end which was a lie. 

I have been attempting to close this account They will not answer the phone, and I can not access my account online anymore. That was over a week ago. Today, I received a letter demanding I show in person to get my own money they were charged with protecting. They failed, and I want my money now, not in XXXX as I will not be making any appearance in person. I will not be told what to do to get what is mine, they are to serve me, not the other way around.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: MA

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

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
Consumer complaint received 2025-03-17 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: Early Warning Services, LLC
State: FL

Complaint narrative:
I recently seen my EARLY WARNING SERVICES credit report and noticed multiple accounts being reported that I owe a debt to. These accounts have been disputed but no avail have they been removed. I am a victim of identity theft and have been notified that my personal information was exposed in the XXXX XXXX XXXX. I've been able to have these accounts removed on my XXXX and XXXX consumer report but XXXX has yet to remove these items as it has been over 30 days since I've gotten a response from them.

Company response to consumer: Closed with explanation