vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-26 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Original debt was a HELOC opened in XXXX, it was charged off in XXXX. 

Without any communication over more than a decade, in XXXX XXXX XXXX XXXX XXXX XXXX, NewRez, Shellpoint and its predecessor ( XXXX XXXX XXXX XXXX  ) unlawfully inflated mortgage balances, failed to provide legally required monthly mortgage statements, and wrongfully pursued collection and foreclosure efforts. These companies have violated the Federal Trade Commission 's Truth in Lending Act by not providing periodic or monthly statements. 

After reaching out to XXXX XXXX XXXX XXXX XXXX  NewRez, Shellpoint, XXXX, to dispute their unlawful claims, we were instructed as follows : The Master Servicer has advised that any questions concerning its servicing decisions related to the Mortgage Loan be addressed to XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CO XXXX. 

Multiple attempts were made to contact this person but the emails are returned as undeliverable, no phone number was provided and mail is not responded to.

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 2025-02-26 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: Westlake Services, LLC
State: LA

Complaint narrative:
XX/XX/XXXX {$750.00} XX/XX/XXXX {$9700.00} I called all 3 credit bureaus told them it was a data breach and identify theft happening no feed back and they were trying to get information from me over a month ago no response from them. 
You are reporting this as a XXXX ACCOUNT which is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.

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 2025-02-26 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: VA

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-02-26 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: VA

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handing out disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect customers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about customer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: GA

Complaint narrative:
Credit Reporting agency continues to unlawfully re-insert negative and unverified collection accounts on my credit report agency.

Formal Dispute and Complaint Against Experian Experian and Equifax for FCRA Violations __ Dear Consumer Financial Protection Bureau, __ I am formally filing a dispute and complaint against Experian and Equifax, a credit reporting agencies, for failure to comply with its legal obligations under the Fair Credit Reporting Act ( FCRA ) and violating the following provisions : __ 15 U.S.C. 1681i ( a ) ( 1 ) Failure to conduct a reasonable reinvestigation ; __15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) Failure to provide a timely and substantive response to my dispute ; __ 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) Failure to properly notify data furnishers and correct/remove inaccurate information. __ Most recently, XXXX XXXX I formally disputed inaccurate and/or unverifiable information on my Experian and Equifax credit report. This dispute was filed in accordance with my rights under 15 U.S.C. 1681i ( a ) ( 1 ), which mandates that Experian and Equifax must conduct a proper reinvestigation of disputed information. Despite this, Experian and Equifax have either failed to conduct a reasonable reinvestigation or has continued to report inaccurate information without proper verification. __ Furthermore, under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), Experian and Equifax were required to provide me with a timely and detailed response regarding the outcome of its investigation, including the sources it relied upon to verify the disputed information. However, Experian and Equifax failed to provide such documentation within the legally mandated time frame or issued a generic response without substantive findings. __ Additionally, per 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), Experian and Equifax has an obligation to notify data furnishers of disputes and take corrective actions when information can not be verified. In my case, Experian and Equifax has continued to report disputed items despite a lack of verification from the original furnishers, constituting an FCRA violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: PA

Complaint narrative:
On XX/XX/XXXX, i was alerted by PNC thru email about my account being overdrafted. I was thoroughly shocked by this information because i knew i had funds available in my account. I found out that i had XXXX transactions against my account over 3 days and was never alerted about the charges until after my acccount was overdrafted.. And my account was negative {$750.00}. i contacted PNC on friday the XXXX when i found out my money was gone. I was told by PNC customer service that i would be be given a provisional credit for the amount i was missing, for the ones that got processed, and i did receive them. I was told by the customer service rep on friday that when i put the last of fraudulent charges in for dispute. That i would also get the credit because it was from the same batch of fraud charges. I called on feb. XXXX and filed to dispute the last of the charges. But now i ' being told that i have to wait XXXX business days, even though i was told different on tuesday the the XXXX of feb. On Tuesday I was told that i would more than likely get the credit because they are from the same batch of charges, just on different days. And now i have bills coming out of my account and overdraft fees about to charged because i have to wait XXXX days. And there is absolutely no reason why i should wait for my money to be given back to me When the other times this happened i was able to use my money that was stolen from me on that very same day. I feel like i've been lied to and i want to retain my money from the fraudulent charges so that i can close my account and never bank with PNC ever again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: SC

Complaint narrative:
The following account is not mine and I have no knowledge of this account : Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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:
I am formally disputing the following negative items on my credit report : XXXX XXXXXX/XX/year> These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc.
State: GA

Complaint narrative:
I've been trying to clear this balance off my credit since I paid it in full. the collections sent me a paid in full later but XXXX refuses to remove the balance.

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 2025-02-26 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2025-02-26 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: MOHELA
State: MI

Complaint narrative:
MOHELA contacted me at work, after I have repeatedly told them to not. I have been assured that my file is updated with information that states I am not to be contacted at my place of employment, but I received a call at my place of employment this morning.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: GA

Complaint narrative:
I am filing a complaint against Experian for failing to respond to my credit report dispute within the 30-day period required by the Fair Credit Reporting Act ( FCRA ). I mailed a dispute letter to Experian, challenging inaccurate items on my credit report. A copy of this letter is attached for your reference. Under the FCRA ( [ 15 U.S.C. 1681i ( a ) ( 1 ) ] ( https : XXXX ) ), Experian is obligated to investigate and respond within 30 days. As of today, XX/XX/year>, I have received no response, which violates my rights under the law.

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 2025-02-26 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: TX

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: CA

Complaint narrative:
My phone was stolen and money was sent to someone. When I asked for cashapp help they shrugged me off. Basically told me I was in violation of contract and closed my account without even helping me. I lost {$470.00}. Even if they couldnt help me I would of still wanted to keep my account but now they banned me from every making one with them over me basically asking for help getting my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 2025-02-26 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: SC

Complaint narrative:
I respectfully request that you promptly and decisively take action to remove the fraudulent accounts from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I need your assistance in reviewing accounts from companies that are incorrectly reporting late payments. After checking my credit report, I found that certain accounts have late payment marks that should not be there. These accounts should not show any late payment remarks.

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 2025-02-26 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: MO

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
" I tried to access my annual credit reports online but kept getting error messages. When I requested them by mail, I only received summary reports instead of my full annual reports. Because of this, Im using your platform to help me resolve the issue and obtain my complete file disclosures from 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 2025-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I filed a claim to dispute charges with Wells Fargo on XX/XX/XXXX, for {$460.00}. Some of these charges dated from XX/XX/XXXX back to XX/XX/XXXX. Some of these charges were made out of state, which was my main concern. Wells Fargo conducted an investigation, but did not provide any provisional credits during this time. On XX/XX/XXXX, I received a notification my claim was closed, but Wells Fargo did not provide any written or verbal documentation as to what the decision was to the claim. I called the Wells Fargo customer support line on XX/XX/XXXX, in an attempt to understand the claim decision, as there was no statement including any details regarding the outcome. The agent I was transferred to told me that Wells Fargo had declined my claim, and appealing their decision was not possible, as they have a one time only policy to report an issue with a transaction. I was denied access to review documents to see why they made their decision this way, and if there was any additional information that I would be able to provide to counter their decision, or if they had any incorrect information that needs fixing.

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 2025-02-26 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: MI

Complaint narrative:
I have attached documentation from the appropriate authorities to support my claims. I would be grateful if you could promptly remove the fraudulent entries from my credit report and take the necessary steps to rectify any inaccuracies or fraudulent activities because I already file a complaint again for these items.

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 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Transunion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of the outcomes of disputes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.

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 2025-02-26 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: PA

Complaint narrative:
I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming.

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief