vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-25 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: CT

Complaint narrative:
Equifax and Experian are continuing to act in bad faith by creating unnecessary delays and obstructions despite having received and acknowledged all required documents under the FCRA.

Equifax : Equifax initially lied by claiming that my FTC Identity Theft Report was invalid because it did not explicitly state XXXX XXXX, despite the report identifying XXXX XXXX as the issuer, which is the correct and identifying entity behind the XXXX XXXX When confronted, the representative then shifted tactics and falsely claimed that I now need to submit a copy of my Social Security card by mail, a requirement not mandated under the FCRA for blocking fraudulent accounts. This is a blatant attempt to further obstruct compliance and delay the removal of the fraudulent XXXX XXXX account. 

Experian : Similarly, Experian is stalling in removing the fraudulent XXXX XXXX account from my report. Despite receiving all required documentation, including my FTC Identity Theft Report and supporting identity verification, they continue to claim that I need to wait to hear from a back office because the fraudulent account was charged off. This is irrelevant under 15 U.S.C. 1681c-2, which requires them to block the account upon receipt of valid identity theft documentation. 

Additional Violations : XXXX, which received the same documents, immediately complied by blocking the fraudulent accounts, further proving that both Equifax and Experian have acknowledged the validity of my claims but are willfully obstructing compliance. Their continued delays and bad faith actions not only violate the FCRA but also directly harm my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: NC

Complaint narrative:
while looking at my credit report I notice that there are multiple discrepancies with on my payment history. Experian has me 60 days late on XX/XX/XXXX and 60 days late on XXXX XXXX when in fact I was not according to XXXX. This needs to be updated immediately.

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 2025-03-25 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: FL

Complaint narrative:
please look at files containng to equfaix data breach please block and remove all faludrent accounts

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 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XX/XX/XXXX Fair & Collections Out XXXX XXXX XXXX, MD XXXX Subject : Dispute of Collection Account Request for Removal Dear Whom this may concern I am writing to formally dispute the accuracy of a collection account that has been reported on my credit report. The details of the account in question are as follows : * Creditor Name : XXXX * Account Number : XXXX * Collection Agency : FAIR COLLECTION & OUTSOURCING * Date of Collection : XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that I believe to be inaccurate or incomplete. I have reviewed my credit report and found that the above-mentioned collection account contains inaccuracies that violate my rights as a consumer. 
Specifically, {$9100.00}. These inaccuracies not only misrepresent my creditworthiness but also contravene the stipulations outlined in the FCRA, particularly regarding the requirement for accurate reporting and the necessity for creditors to verify debts upon consumer request. 
Furthermore, under the Consumer Financial Protection Bureau ( CFPB ) guidelines, I have the right to request the verification of any debt. I have previously requested this verification from FAIR COLLECTIONS AND OUTSOURCING on XX/XX/XXXX, but have yet to receive a satisfactory response. This lack of response indicates non-compliance with consumer protection laws. 
In light of this information, I kindly request the immediate removal of this collection account from my credit report. I also expect a written confirmation of the actions taken in response to my dispute within 30 days, as mandated by the FCRA. 
Please send your response to my address listed above. I appreciate your prompt attention to this matter and look forward to resolving this dispute amicably. 
Thank you for your cooperation. 
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 explanation
Consumer complaint received 2025-03-25 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: UT

Complaint narrative:
I am disputing an inaccurate late payment reported by XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, to Equifax Information Service LLC on my Auto Loan, Equity Loan, Unsecured Loan, account XXXX, XXXX, XXXX, for the date XX/XX/XXXX. This reporting is incorrect and has negatively impacted my credit score. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i & 1681s-2 ), credit bureaus and furnishers are required to ensure accuracy and conduct a reasonable investigation of disputed information. Despite my formal dispute, the inaccurate late payment remains on my credit report. Additionally, case law such as Edward Seamans v. Temple University ( 2014 ) and Saunders v. Branch Banking & Trust Co. of VA ( BB & T ) ( 2008 ) confirms that furnishers must thoroughly investigate disputes and can not continue reporting misleading information. This failure violates the FCRA, TILA, and UDAAP regulations. I have made multiple attempts to resolve this matter, but no corrective action has been taken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMO BANK NATIONAL ASSOCIATION
State: IN

Complaint narrative:
Tried to obtain a letter of authorization on letterhead to re title vehicle in a different state co signers last name changed due to a marriage sat XXXX hours on hold and being transfered around just to get her name changed where I was told illegally I had to refinance to update her name and a previous complaint was finally updated then allegedly a letter was sent to my mailing address containing the letter of authorization that never arrived even after I told them to fax it directly to the XXXX was completely ignored and sat on hold for another hour and a half with the XXXX because all I'm missing is that letter to update her name and told it would be faxed today at some point.

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 2025-03-25 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: MS

Complaint narrative:
Was working and had XXXX transactions totaling in {$550.00} and made a claim stating it wasnt me it was investigated by Wells Fargo and I was denied because they claimed it was no fraudulent activity

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 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 
Sincerely, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My accounts were always on time! Specially with XXXX XXXX, I had a wonderful payment history, and every payment was set up on autopay. They processed the transaction incorrectly on their end, which is why this late payment is being reported. 

I demand the late payment reported to be removed/updated.

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 2025-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Shellpoint Partners, LLC
State: MN

Complaint narrative:
In order to recast XXXX mortgage payment I have : XXXX. XXXX Paid {$150000.00} to Newrez mortgage XXXX. XXXX Paid {$250.00} for a recast payment fee XXXX. XXXX Paid XXXX mortgage payment XXXX. XX/XX/XXXX Paid {$2600.00} mortgage payment ( this should have been applied towards principal, but have not received proof that it was ) XXXX. XX/XX/XXXX received a request from Newrez to provide a third-party authorization XXXX. XX/XX/XXXX supplied a letter to Newrez as a signed authorization to analyze my load for a payment recast. 
XXXX. XX/XX/XXXX telephone call to Newrez to request recast authorization form XXXX. XX/XX/XXXX live person chat with Newrez to request recast authorization form XXXX. XX/XX/XXXX live person chat with Newrez to request recast authorization form Form has not been received and I was informed it was mailed on XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have repeatedly sent disputes of fraudulent information on my credit reports to Experian, Equifax and Transunion. Included in these disputes are documentation that supports my claims such as : FTC reports, actual police reports, notarized court documents as well as proof of my identity. These companies have " allegedly '' done thorough investigations of my credit reports, which resulted in the inaccurate accounts being removed from my credit reports. However, said companies have now reinserted previously removed accounts due to the accounts being verified. Without merit or proper protocol in which I have requested, to be shown exactly how these accounts were verified. As a consumer it is my right. To my understanding if it can't be proven legally and accurately that I had ownership of these accounts, then they are to NOT be reported. If investigations are being conducted properly, how is this even an issue? They are not doing thorough investigations and are going with whatever a creditor states without proof of anything being accurate, that isn't ethical nor is it legal!

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 2025-03-25 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
VALIDATION AND CEASE AND DESIST Kimball Tirey & St. John XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Account number : XXXX XXXX Re : XXXX XXXX Dear Kimball Tirey & St. John I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement SIGNED with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. XXXX. Proof that the original creditor securitized the debt. XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other XXXX I dispute that I owe this debt to you. Should you transfer this debt to another XXXX, please inform of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter. 


XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: TX

Complaint narrative:
Good morning. After reviewing my credit report, there are discrepancies showing that I owe collections on an account across all three credit bureaus, which is just not correct. Upon attempting to go to the website given, my account details are nowhere to be found. The phone number given also does not work. That makes this collection inaccurate and must be fixed! This information must be reported with the utmost accuracy. The Collection agency is [ XXXX XXXX  XXXX ] [ XXXX ]. Having an open collection for an individual while not having ways to settle the account is illegal. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements. I demand that this collection be removed from my credit report without delay

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I switched to a Chase checking account on XX/XX/XXXX and switched over my direct deposit and autopay information. After all pending transactions were cleared from my existing account, I deposited a cashierss check with all of my funds of {$5100.00} into Chase via quick deposit on XXXX XXXX and my Chase credit card payment was due on XX/XX/XXXX. They have been holding on to my cashier check funds and said they will not clear until XX/XX/XXXX. I called and tried to get the hold removed and was told that the verifying bank isnt providing enough information to clear the check. I also called the verifying bank and they stated that they had provided the information. 

Since my credit card payment was due on the XXXX and the check wouldnt clear until the XXXX, I was unable to pay the full amount due to only having access to partial funds. I was fortunate enough to receive my tax refund during this time and paid off the remaining balance after paying the minimum payment on the due date. Ive been a cardholder for years and have been paying off my entire balance on time. 

However, I have been charged with a late fee and interest expenses for not paying the full amount. Since chase checking wouldnt clear my funds, I couldnt make the full payment. Ive requested these charges be waived and was told that they can not be waived. According to customer service, the automated system isnt allowing this and theres no manual override option. I cant seem to find a way to escalate the issue. Now, not only did I not have access to my funds for 10 days, Im also being unfairly charged. Im a responsible consumer with a XXXX credit score and believe Im being treated unfairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief