vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Financial Management Solutions, LLC
State: MD

Complaint narrative:
I am requesting validation of the debt referenced from FMS Financial Solutions. Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, I have the right to request verification of this debt before proceeding with any payment. Please provide the following information : XXXX. Proof that I owe the debt, including a copy of the original agreement and amendments with the creditor, ans well as every assignment contract that exists. XXXX. A detailed accounting of the debt, including the original balance, any interest or fees added, and the date of the last payment. XXXX. The name and address of the original creditor if different from your company. XXXX. Proof that you are authorized to collect this debt on behalf of the original creditor. XXXX. A copy of any judgment ( if applicable ) that authorizes collection efforts. Until I receive the requested validation, I request that you cease all collection efforts and refrain from reporting this debt to the credit bureaus. If you have already reported it, please mark it as disputed per the Fair Credit Reporting Act ( FCRA ). If you can not provide adequate validation, I request that you remove any negative reporting from my credit file and cease further collection attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: CA

Complaint narrative:
This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX : {$9000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$8400.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$160.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
On XXXX XX/XX/year>, NEWREZ made an insurance payment to XXXX insurance from my escrow account for {$3500.00}. I do not have an insurance policy through this company. My insurance company is XXXX. 

On XXXX XX/XX/year> I contacted Newrez escrow department by phone. I had received an email stating Newrez would be paying my insurance premium soon. I told Newrez my insurance payment was not due until XXXX. Newrez stated my insurance policy was through XXXX and due in XXXX. I have never held an XXXX policy. The representative had me email my XXXX policy to XXXX at XXXXXXXX XXXX  XXXX XXXX. The representative acknowledged receiving the email and stated my policy was fixed. 

On XXXX XX/XX/year> I received another email stating my insurance policy was due. i contacted Newrez by phone and spoke to the escrow department and again explained I do not have an XXXX policy. The representative said I do and the company was asking for payment. I emailed the representative my XXXX policy at XXXXXXXX XXXX XXXX XXXX  to XXXX. The representative stated my policy would be updated in their system.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: AL

Complaint narrative:
Upon reviewing my Consumer Reports, I discovered that my XXXX XXXX account reflects several instances of late payments, which I believe to be inaccurate. I have always made timely payments and have ensured that my account remains in good standing. 

Consumer Reporting Agencies play a critical role in maintaining the accuracy of consumer information, and it is essential that all data reported is correct. I would like to bring to your attention that I have never missed a payment on the following XXXX XXXX account : XXXX. This account also has a XXXX balance. 

I kindly request a thorough investigation into these discrepancies. Please provide evidence, such as statements or payment history, demonstrating the alleged late payments. If you are unable to furnish such proof, I ask that you promptly update my account to reflect the true status of my payments as on-time, as I have consistently honored my payment obligations without delay. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: CA

Complaint narrative:
Dispute details Dispute XXXX Sent to TransUnion Submitted XX/XX/XXXX In review On XX/XX/XXXX Resolved Need to send TransUnion additional information? 
Here 's how to contact them XXXX XXXX XXXX They are reporting that Im late 30 days but never pass the XXXX XXXX XXXX XXXX XXXX XXXX  Last reported XX/XX/XXXX {$5700.00} Account not mine XXXX AND XXXX XXXX Last reported XX/XX/XXXX {$220.00} XXXX XXXX XXXX Last reported XX/XX/XXXX {$860.00} Open balance XXXX XXXX XXXX Original In

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: CA

Complaint narrative:
Dispute details Dispute XXXX Sent to TransUnion Submitted XX/XX/XXXX In review On XX/XX/XXXX Resolved Need to send TransUnion additional information? 
Here 's how to contact them XXXX XXXX XXXX They are reporting that Im late 30 days but never pass the XXXX XXXX XXXX XXXX XXXX XXXX  Last reported XX/XX/XXXX {$5700.00} Account not mine XXXX AND XXXX XXXX Last reported XX/XX/XXXX {$220.00} XXXX XXXX XXXX Last reported XX/XX/XXXX {$860.00} Open balance XXXX XXXX XXXX Original In

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: FL

Complaint narrative:
I discovered an unauthorized and inaccurate collection account on my credit report from [ Equifax Information Services LLC ] associated with [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ], account number [ XXXX, XXXX, XXXX ]. This account does not belong to me, and I have no knowledge of its origin. I formally disputed this account with the credit bureau, requesting verification and removal based on my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 623 ( 15 U.S.C. 1681s-2 ), as well as the Fair Debt Collection Factices Act ( FDCPA ), specifically Sections 809 ( 15 U.S.C. 1692g ) and 807 ( 15 U.S.C. 1692e ).

Despite my formal dispute and request for a thorough investigation, [ Equifax Information Services LLC ] has continued to report this account without verifying its accuracy or providing me with documentation supporting its validity. This violates my rights under the FCRA, as credit bureaus are required to conduct a reasonable investigation and must not report inaccurate or unverifiable information. Notably, failure to comply with these requirements has been underscored by precedents such as XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

This inaccurate information is damaging my credit score and affecting my financial standing. believe that the credit bureau 's failure to properly investigate and respond to my dispute is a direct violation of the FCRA, causing me unnecessary harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me 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 explanation
Consumer complaint received 2025-04-02 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:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXXXXXX 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/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXXXXXX 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/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This morning, I was shocked to see an unauthorized inquiry on my credit report, and I have no idea how it got there. I check my report regularly, and this has never happened before. Thinking it might be a glitch, I refreshed my browser, but the issue remained. This is beyond frustrating, and I demand that the documents I submitted be reviewed immediately so I never have to deal with this again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: TN

Complaint narrative:
The XXXX XXXX Account account is closed XXXX needs to be updated and removed. The reported status is inconsistent and inaccurate acros

s all 3 agencies. These inaccuracies under 15U.S. Code168 requires credit reporting agencies to ensure maximum accuracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: EQUIFAX, INC.
State: TN

Complaint narrative:
The XXXX XXXX Account account is closed XXXX needs to be updated and removed. The reported status is inconsistent and inaccurate acros

s all 3 agencies. These inaccuracies under 15U.S. Code168 requires credit reporting agencies to ensure maximum accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: FL

Complaint narrative:
I am filling this complaint under the Fair Credit Reporting Act ( FCRA ) due to the willful noncompliance of the credit bureaus and data furnishers in properly investigating my disputes, as required under 15 U.S.C 1681i and 15 U.S.C. 1681s-2 ( b ). Despite my repeated submissions of disputes containing sufficient documentation to demonstrate inaccuracies, the credit bureaus have failed to conduct a reasonable reinvestigation and have continued to report incorrect information on my credit report. Furthermore the data furnishers have neglected their legal obligation to investigate the disputed information when notified by the credit bureaus. Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for it's failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. Reinserting previously disputed and inaccurate information without explanation. Failing to notify customers about investigation results effectively. Please review the inaccurate information being report ; 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 2025-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: WI

Complaint narrative:
XXXX XXXX XXXX XXXX WI, XXXX Equifax Information Services LLC XXXX XXXX XXXX, GA XXXX To Whom It May Concern, I am writing to formally request the Method of Verification ( MOV ) regarding the disputed account that Equifax recently claimed to have verified. Under 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), I have the legal right to request and receive detailed information on how this account was verified, including : Disputed Account Details * Creditor Name : XXXX XXXX * Account Number : # XXXX * Reported Inaccuracy : NOT MY ACCOUNT MOV Request Demands As per federal law, I am requesting that Equifax provide the following within 15 days of receiving this letter : 1. The name and contact information of the individual or entity that verified the account.

2. The method and process used to verify that this account belongs to me.

3. A copy of any documentation provided by the furnisher ( XXXX XXXX ) that supports this verification. 
XXXX. Proof of my consent or signature linking me to this alleged account. 
If Equifax can not provide this information, then it is in direct violation of 15 USC 1681i ( a ) ( 5 ) and must immediately delete this unverifiable account from my credit report. 

Failure to Comply & Next Steps If I do not receive a detailed response with the required information within 15 days, I will take the following actions : 1. File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) for failure to comply with my rights under the FCRA.

2. Report this violation to the Federal Trade Commission ( FTC ) and my State Attorney General for further investigation.

3. Pursue legal action against Equifax for non-compliance under 15 USC 1681n & 1681o, which may include statutory damages, punitive damages, and attorneys fees.

Final Notice This is a formal legal request, and I expect a written response with the requested verification details within the legally mandated timeframe. Failure to comply will confirm that Equifax has no valid proof of this accounts accuracy, requiring its immediate deletion. 
Thank you for your prompt attention to this matter. Please confirm receipt of this letter and provide the requested information. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: 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. 

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 XXXXXXXX List of Unauthorized Inquiries : 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 2025-04-02 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:
I have called the three credit bureaus today and am waiting on a new credit report from each. Since my account is in XXXX and never been late in over 2 years, I am waiting for my account and scores to be updated. Under XXXX, the lender can not comment or make any changes to my car payment record. Even when a payment is made there is NO update to my record. They are showing me with a missed payment, which is incorrect. It must also be resubmitted immediately and removed from all bureaus this week.

Company response to consumer: Closed with explanation