vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-27 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: NJ

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 2025-01-27 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:
Improper inaccurate reporting.fraudulently XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove this inaccurate, untrue, incomplete, and non-compliant information from my credit report immediately This is a violation of the FCRA and is a sign of violation of required XXXX XXXX Compliance Reporting XXXX 
By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX COMPLIANCE REULATIONS, I demand that these above-mentioned derogatory items be investigated and permanently removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under XXXX XXXX XXXX XXXX XXXX XXXX XXXX you must complete this reinvestigation within 30 days of receipt of this letter. 
I RECEIVED A COPY OF MY CREDIT REPORT AND FOUND THE FOLLOWING ITEMS TO BE ERRORS, OR ARE DEFICENT OF PROOF OF NOT BEING UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, OR ELSEWISE, NOT COMPLIANT, TO INCLUDE TO XXXX XXXX REPORTING STANDARDS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: GA

Complaint narrative:
Improper inaccurate reporting.fraudulently XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove this inaccurate, untrue, incomplete, and non-compliant information from my credit report immediately This is a violation of the FCRA and is a sign of violation of required XXXX XXXX Compliance Reporting XXXX 
By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX COMPLIANCE REULATIONS, I demand that these above-mentioned derogatory items be investigated and permanently removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under XXXX XXXX XXXX XXXX XXXX XXXX XXXX  you must complete this reinvestigation within 30 days of receipt of this letter. 
I RECEIVED A COPY OF MY CREDIT REPORT AND FOUND THE FOLLOWING ITEMS TO BE ERRORS, OR ARE DEFICENT OF PROOF OF NOT BEING UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, OR ELSEWISE, NOT COMPLIANT, TO INCLUDE TO XXXX XXXX REPORTING STANDARDS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
We refinanced our loan # XXXXXXXX with NewRez on XX/XX/XXXX at the time of closing there was XXXX in our escrow account that should have been refunded. I received a check at the end of XXXX in the amount of {$530.00} instead of the XXXX. I called NewRez on XX/XX/XXXX and spoke to XXXX XXXX, he reviewed me new loan # XXXXXXX and noted that I was correct and 12 months of Insurance was collected at new closing in the amount of {$11000.00} and he noted that it was paid out to the insurance provider. They additionally had also collected 2 months of insurance in the amount of {$1900.00} at the time of closing. He said he can see that the amount of XXXX was still owed to me but it would have to go over to the escrow department to handle. I asked for a direct # to someone in escrow and they stated they could not provide me that information. I called back today XX/XX/XXXX and was given the run around and told that the first person had filled out the information incorrectly for escrow and he didn't believe I was owed the money. At this point, I requested to speak to a manager as I have clear documentation that this amount is owed to me. I asked for proof of payment from my old escrow account to the insurance company and the manager hung up on me. I went out the insurance provider site and it showed that they had only received {$11000.00} from my new loan and did not receive an disbursement from my old loan.

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 2025-01-27 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: TX

Complaint narrative:
I have previously submitted complaints regarding inaccurate items on my credit report, yet no corrective action has been taken. I am once again requesting the removal of all negative and erroneous items from my report.

If this matter is not addressed promptly, I will have no choice but to pursue legal action to seek compensation for the violations under applicable credit reporting laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Upon reviewing my report, I noticed inquiries from different creditors which I did not authorize. I am concerned they may be linked to identity theft or fraudulent activity. I kindly request that you investigate these inquiries and remove them from my credit report if they can not be verified as authorized. I have attached my letter to the Bureaus and still these inquiries were still reported to my current report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Trans Union XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Collection Account Reporting and Request for Investigation Dear XXXX Dispute Department, I am writing to formally dispute an entry on my credit report related to an account listed under your agency as a charge-off. The account does not appear on my XXXX credit report but is currently showing as a charge-off on both TransUnion and XXXX. I believe this information is inaccurate and must be corrected. I have requested validation of this debt in a letter dated XXXX. The details of the account in question are as follows : XXXX XXXX XXXX XXXX Account Number : XXXX Amount : {$790.00} Reported as : Charge-Off I request a thorough investigation of this account and a correction of the information on my credit report. As the entry is not listed with XXXX, I believe this inconsistency warrants review to ensure the accuracy of the information being reported.

Please provide me with the following : 1. A copy of the results of your investigation into this matter.

2. A corrected copy of my credit report reflects the updated status of this account.

Please conduct a thorough investigation of this account and ensure that the information reported to the credit bureaus is accurate. If this debt can not be verified or is deemed incorrect, I request that it be removed from my credit report, as it is causing unnecessary harm to my credit standing.

Due to the CFPB lawsuit filed against XXXX on XX/XX/XXXX, I request that you perform a comprehensive investigation as mandated by the FCRA.

It is my understanding that under the law you have 30 days from receiving this letter to verify this item. Failure to do so within the 30-day period constitutes reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ).

Also, pursuant to 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the address above. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this notification.

Please provide me with the results of your investigation and any supporting documentation for your findings. I would appreciate a prompt resolution to this matter in accordance with the Fair Credit Reporting Act ( FCRA ).

Thank you for your time and attention to this issue. 
Sincerely, 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 non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NV

Complaint narrative:
I am filing a complaint against Cash App ( Block, inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). My concerns stem from repeated delays, lack of responsiveness, and unhelpful interactions with customer service representatives, which have left my issues unresolved and caused both financial and emotional distress. These actions have negatively impacted my ability to manage my finances effectively.

Furthermore, disputes regarding unauthorized transactions, incorrect charges, or missing funds have not been adequately addressed despite multiple attempts to seek resolution through the appropriate channels. These failures demonstrate a lack of transparency and accountability, which are essential components of fair financial practices. I believe that these actions constitute unfair and deceptive practices under the CFPA, which requires financial service providers to act transparently, fairly, and in good faith toward consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: GA

Complaint narrative:
________________________________________ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Removal of Discharged Bankruptcy from Credit Report Dear Sir/Madam , I am writing to formally request the removal of a bankruptcy that has been discharged from my credit report. Upon reviewing my credit report, I have identified that the bankruptcy is still being reported despite being fully discharged in [ XXXXXXXX XXXX XXXXXXXX ]. 
Under the Fair Credit Reporting Act ( FCRA ), Section 605 ( a ) ( 1 ) ( 15 U.S.C. 1681c ), bankruptcies are required to be removed from a consumers credit report after 10 years from the filing date. However, a discharged bankruptcy may be reported for this period, but I believe it is now time for this record to be fully removed if the 10-year period has passed or if the bankruptcy is no longer an accurate reflection of my creditworthiness.

Please investigate this issue, and if the bankruptcy is indeed past the legal reporting period, I respectfully request that it be removed from my credit report immediately.

I would appreciate it if you could send me an updated copy of my credit report once the necessary adjustments have been made. If you require any further information or documentation from my side, please feel free to contact me at the above address or phone number.

Thank you for your time and attention to this matter. I look forward to your prompt response. 
Sincerely, 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 non-monetary relief
Consumer complaint received 2025-01-27 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: GA

Complaint narrative:
________________________________________ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Removal of Discharged Bankruptcy from Credit Report Dear Sir/Madam , I am writing to formally request the removal of a bankruptcy that has been discharged from my credit report. Upon reviewing my credit report, I have identified that the bankruptcy is still being reported despite being fully discharged in [ XXXX XXXX XXXX ]. 
Under the Fair Credit Reporting Act ( FCRA ), Section 605 ( a ) ( 1 ) ( 15 U.S.C. 1681c ), bankruptcies are required to be removed from a consumers credit report after 10 years from the filing date. However, a discharged bankruptcy may be reported for this period, but I believe it is now time for this record to be fully removed if the 10-year period has passed or if the bankruptcy is no longer an accurate reflection of my creditworthiness.

Please investigate this issue, and if the bankruptcy is indeed past the legal reporting period, I respectfully request that it be removed from my credit report immediately.

I would appreciate it if you could send me an updated copy of my credit report once the necessary adjustments have been made. If you require any further information or documentation from my side, please feel free to contact me at the above address or phone number. 
Thank you for your time and attention to this matter. I look forward to your prompt response. 
Sincerely, 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 2025-01-27 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: NY

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 explanation
Consumer complaint received 2025-01-27 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 want to highlight my concerns about Zelle and the details of the lawsuit filed by CFPB in regard 's to Zelles handling of disputes. Despite my disputes, Zelle and my financial institution ( XXXX ) failed to thoroughly investigate these claims. I was informed by Zelle and XXXX that recovering lost funds wouldnt be possible and that tracking these transactions was not feasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: CO

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 2025-01-27 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: CO

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 2025-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
I contacted XXXX XXXX  on XX/XX/XXXX to do a dispute for XXXX XXXX  that was cancelled. As of XX/XX/XXXX I have yet to receive a temporary credit while waiting on my claim to be completed. Apparently they sent me a email to upload docs pertaining to my dispute on XX/XX/XXXX but I didnt see it till today and was told I have to submit docs 1st which is fine but then I was told my dispute was not eligible for a temp credit even though it was a debit card charge that falls under Reg E. Back in XXXX they restricted my debit card usage for valid disputes and I have now been accused of abuse card behavior for filing valid debit card dispute from back in XXXX. It unfair to tell me that basically I shouldnt have filed valid disputes because too many could look like abuse of my account. I shouldnt be punished for having to do valid disputes and now Im scared to do disputes with them out of fear of being restricted from other things with them. It is my right as a consumer to get back money owed to me from a merchant rather due to refund, cancellation or incorrect amount and I shouldnt be penalize and targeted for it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: AL

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2025-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: FL

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or 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 are badly hurting my credibility. I & # XXXX ; 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 non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MD

Complaint narrative:
I received a XXXX from maryland loan repayment program to apply towards my student loans. MOHELA took XXXX  months to fill out the required form whereas my colleagues with a different loan servicer had this done in a week. Then a XXXX check was sent to MOHELA that was cashed by them XX/XX/24 and not applied to my account. Called multiple times and they have no record of cashing it and are not helping to resolve this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: FL

Complaint narrative:
My credit is is inaccurate which is not fair to me. Please investigate it and fix it. I'm, really tired and sick with these thing. Should be there be any updates on my inquires, I'm gon na go to court.

Company response to consumer: Closed with non-monetary relief