vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-21 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: VA

Complaint narrative:
I am writing to formally dispute Equifax, TransUnion, XXXX. Under 15 U.S.C. 1681o, you are liable for negligent noncompliance with the Fair Credit Reporting Act ( FCRA ), and I am holding your company accountable for failing to comply with its legal obligations.

Specifically, you have failed to : Describe the negligent act or noncompliance, such as failing to correct errors after a dispute, not notifying me of adverse actions, or allowing unauthorized access to my credit report As a result of this negligence, I have suffered damages, including but not limited to damage to credit score, in which has resulted in my being ineligible to purchase a home. 

I demand that you immediately : Please delete immediately Failure to address this matter will leave me with no choice but to escalate the issue by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office. I am also prepared to pursue legal action to recover damages. 

Please consider this letter a formal dispute and demand for resolution. I expect your written response no later than [ reasonable deadline, e.g., 30 days from the date of this letter ]. If you need any further information to complete your investigation, please contact me promptly. 

Sincerely, [ 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 2025-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: OH

Complaint narrative:
I lost my purse with all of my personal items including my phone in the middle of 2022, shortly after I started receiving calls and emails about accounts and payments that are not mines. I received emails saying my information was listed on the dark web. I reported the theft and the accounts popping up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: GA

Complaint narrative:
This last Monday XXXX XXXX I was notified that my credit score dropped. When investigating I noticed a company called Nelnet had dropped me off of a 90 days late payment. I had never heard of this company before and my student loans were through another loan company named Great Lakes. There were no phone calls, no emails, no letters sent, they even had my correct phone number and email address, I didnt even have an account with them. After a few hours of researching how to make an account and contacting them, they agreed to put my account to current given the circumstances and that thousands of people have been calling this week. My credit dropped from a XXXX to a XXXX. 

So far my account is current, but my credit has not changed and the late payments have not been removed. This should not be allowed to happen considering I was not aware that they were due and no attempts to contact me have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: OH

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX XX/XX/XXXX TransUnion Consumer XXXX XXXX XXXX XXXX, PA XXXX Subject : Notice of Intent to File Lawsuit for Continued Reporting of Fraudulent Discover Bank Account Dear TransUnion Dispute Department, This letter serves as formal notice of my intent to file a lawsuit against TransUnion for willful and negligent violationsof the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 et seq. ] due to your continued reporting of a fraudulent XXXXXXXX XXXX credit card account on my credit file. Despite submitting a Federal Trade Commission ( FTC ) Identity Theft Report, a police report, and multiple dispute requests, you have failed to remove this fraudulent account, causing significant financial and reputational harm. 
Details of the Fraudulent Account : * Creditor Name : XXXX XXXX XXXX Account Number XXXX * Date Opened : XX/XX/XXXX * I have provided sufficient documentation under FCRA 605B ( 15 U.S.C. 1681c-2 ), which requires consumer reporting agencies to block fraudulent accounts when a consumer provides an identity theft report. You have failed to comply with this obligation and have instead continued to report inaccurate and damaging information. 
Due to your willful noncompliance, I am prepared to file a lawsuit against TransUnion in California Federal Court for the following violations : 1. Failure to block fraudulent information as required by FCRA 605B.

2. Failure to conduct a reasonable reinvestigation as required by FCRA 611.

3. Continuing to report inaccurate information in violation of FCRA 623.

I demand that TransUnion : 1. Immediately and permanently remove the fraudulent XXXXXXXX XXXX account from my credit report. 
2. Provide written confirmation that this account has been deleted from my file.

3. Cease and desist from any further reporting of this fraudulent account to lenders, creditors, or other third parties.

If I do not receive written confirmation of full compliance within 15 days, I will proceed with legal action seeking statutory damages, actual damages, punitive damages, and attorneys fees as permitted under FCRA 616 and 617. Additionally, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my state Attorney Generals office regarding TransUnions continued failure to comply with federal law. 
This is your final opportunity to resolve this matter before legal action is taken. Please respond in writing to confirm compliance by XX/XX/XXXX Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 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: CA

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal 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 2025-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: NJ

Complaint narrative:
Okay so I deposited the sum of XXXX to my robhinhood account to purchase crypto and send for a transaction that has a limited time on it, only for me to deposit money to my Robinhood and then trying to send crypto my account is restricted I cant withdraw money back to my debit card or even send crypto, and now Im stuck in between with them giving me a date of XX/XX/XXXX to review my account like why cant my account be reviewed this instant frustrated at this point

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting

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 2025-02-21 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: MN

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX MN, XXXX XXXX XX/XX/XXXX Good morning to whom this may concern. I was taking a look at my most recent credit report and noticed that an account XXXX XXXX  ACCOUNT NUMBER : XXXX is still reporting inaccurately. I have asked many times for this account to be PROPERLY Investigated but yet you have FAILED your legal obligations. You have REPORTED A HIGH CREDIT : XXXX this is INACCURATE how can my balance be XXXX? When my statement shows XXXX? HOW CAN ACCOUNT CONTINUE TO SHOW CHARGE OFF EVERY MONTH? THIS IS A VIOLATION I PROVIDED DOCUMENTATION TO PROVE MY CLAIM. REMOVE ACCOUNT FROM CREDIT REPORT FOR INACCURATE INFORMATION. High Credit : {$1300.00} I never received a loan of XXXX from XXXX XXXX  ACCOUNT NUMBER : XXXX therefore you are manipulating my credit report and creditworthiness with inaccurate and erroneous information. I am in the process of BUYING A HOUSE for my family and your violation of my consumer rights is keeping me from DREAM HOUSE. You have REPORTED a HIGH CREDIT : XXXX this is INACCURATE AS IT IS ILLEGAL TO REPORT CHARGE OFF PAYMENT HISTORY. REMOVE ACCOUNT FROM CREDIT REPORT FOR INACCURATE INFORMATION. I have attached a copy of my credit report and Identifying information below. I HOPE THIS GETS RESOLVED IN A TIMELY MANNER THANK YOU

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
I've been receiving phone calls from this company since XX/XX/XXXX re : a debt that doesn't belong to me, it belongs to someone else. 

My telephone number is not the debtor 's telephone number, and I have explained this and told them not to call my number, but they continue -- talking over me, telling me they need to speak to the other person -- XXXX XXXX. At this point it's harassment. 

As an aside, this debt I'm being harassed about is from XXXX, XXXX XXXX XXXX, re : a repossessed vehicle that has absolutely nothing to do with me. They are collecting on behalf of Santander. 

The telephone numbers I'm receiving calls from are XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: CBC Companies, Inc.
State: MA

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Bank of America will not reimburse me my refund from a claim. I purchased from XXXX XXXX XXXX and never received my items. I reached out to the bank to receive a refund. But the stated the merchant show details I bought the item and it was accurate. I never received my items that I bought but they are allowing the merchant to keep my money. 

I reached out to the merchant and they literally stated they cancelled my item and I need to reach out to my bank for a refund but Bank of America letting the merchant keep my money. 

I have had problems with this bank taking my money out the blue for no reason and no not giving me a refund for a purchase a bought.

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 monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
We received a " Remittance Advice '' check from the USPS in the amount of {$4.00}. The issuing bank is JPMorgan Chase Bank NA XXXX account number XXXX. The payment appears to be for Travel? My husband does not work for USPS or a private contractor, he does not travel for his current employer XXXX. This check will NOT be deposited since the purpose for the check payment is not true. The amount matches the cost for individual certified mail pieces paid for by my husband and I. Since JPMorgan is handling payments for USPS, we want to know which failed certified mail piece this check payment is issued for? Why is USPS using a travel expense account instead of a USPS mail service account? Here are some choices for JP Morgan research which are some of the recent letters we wrote to the following recipients using certified mail service : : NYS DMV Commissioner XXXX, US Treasury Department, Governor XXXX XXXX, NYS Comptroller XXXX, New York State Department of Taxation and Finance, New York State Department of Health. Your accounting system should be able to locate which one failed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I am a XXXX veteran with a VA rating 100 % since XXXX. I am exempt from paying property taxes on our home. 
We purchased a home in XX/XX/XXXX, securing a loan from my bank. I went to the XXXX XXXX XXXX XXXX ( XXXX  ) in XXXX to file for the tax exemption and was approved on XX/XX/XXXX. 
On XX/XX/XXXX, we had received a letter from Newrez LLC that our home loan was transferred to them and that we would be making payments to them starting in XX/XX/XXXX. I sent Newrez copies of the tax exemption letter and the original tax exemption application in XXXX. I called Newrez in XXXX asking if they had received the exemption and was told yes. I would receive a refund in XXXX of any monies paid for taxes. 
I called on XX/XX/XXXX asking for an update and was told that I would be receiving a refund in XXXX business days. I never received that refund. I called again on XX/XX/XXXX, and was told that it would take 30 days to process the request. I told them that they had 4 months to correct this and asked for a progress report. I was told that they could not provide me with any updates. All I received was XXXX letters stating that they are requesting additional time to process this. I am including both letters. 
At this time, I am owed several XXXX dollars, as I am still making payments for taxes in my escrow which is over {$9000.00}. I would like all my tax payments refunded and my loan payment adjusted to reflect the tax payments removed. Newrez is not responding.

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 2025-02-21 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 have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

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 2025-02-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: QC HOLDINGS INC
State: OK

Complaint narrative:
Previously filed complaint against same company LendNation, I had spoken to XXXX over the phone on XX/XX/year>2025 and he told me on a recorded line that they would settle for {$1200.00} and avoid legal if I paid that before end of the month I gladly accepted that and said I should be able to get {$600.00} after the XXXX and the remaining on the XXXX of the month, went to call on the XXXX to pay half and suddenly the amount jumped to {$1800.00} something and they refused to acknowledge the previous conversation, I told them to go check the phone call and call me back with an update even though I gave them a cease and desist I emphasized that I do want to hear back regarding that offer and not get XXXX calls a week from them. Jump to XXXX/XXXX/2025 I tried calling again and spoke to a lady ( dont know how to spell her name ) and she gave me the script of the call being recorded and I informed her I will be recording as well ( Oklahoma is a one party state and I have rights to record my own calls with a debt collector ) and she rudely told me she would have to hang up if I was also recording without an explanation, I called back and spoke with XXXX this time and he explained thats against company policy which just sounds suspicious to me, but we discussed some options but Im still not being offered the original settlement amount, they also refuse to give me a copy of the phone call or send me stuff in writing

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-21 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: MA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group
State: OK

Complaint narrative:
I've never done business with this debt collector. It has 2 different names. It seems suspicious and I don't owe the credit card owner due to being paid off through insurance.

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 2025-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I sent a letter disputing the account information that shows on my credit report, as it is inaccurate XX/XX/year>. I did not receive a response from MCM. I followed up via phone on XX/XX/year>, and they told me they would not finish their internal investigation until XX/XX/year>, which is well beyond the requirements of the FCRA. This should be removed from my credit report immediately, as the parties over the phone could not give me any information on this account & wouldn't let me settle the account when I offered to pay. This is fraudulent and this debt does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 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: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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