vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
In XX/XX/XXXX XXXX charged my Best Buy credit account for {$120.00} ; this was for " auto renewing '' computer service that I had already cancelled with XXXX ( this " renewel '' fee of {$120.00} on this credit card never should have happened ). When I called Best Buy they said it was an " unauthorized charge '' and they removed this charge. About a month later they recharged my account claiming this should have been reported as " fraud '' not an " unauthorized charge ''. I told them that was their fault as it was their person who took my info and reported it this way ( not me! ). I then refiled my " fraudulant claim '' and once again, this charge was removed. But then, XXXX replied to Best Buy fraud dept and stated that this was an " auto renewel '' charge ( neglecting to add that I had already cancelled prior to this " renewel '' ) so Best Buy ruled in XXXX 's favor and recharged my credit card {$120.00} on XX/XX/XXXX. I then called XXXX just to tell them what " scammers '' they were but was actually surpirsed when they offered to refund me a " compromised '' amount of {$85.00}. Not wanting to argue anymore I agreed and on XX/XX/XXXX my Best Buy account was credited {$85.00} by XXXX. I then called Best Buy credit card and asked to pay any outstanding balance, which I was told was {$110.00}, and them, close my account, which is what I did. I recently went online to make sure this account was closed and I saw that my account now had a balance due of {$83.00}. I called them and said this is impossible! I was told my balance was {$110.00}, which I paid on XX/XX/XXXX -- how do I now owe another {$83.00}? Upon further research it appears that Best Buy took it upon themselves to re-charge my account the {$85.00} that XXXX gave me credit for. So, only thru my efforts ( and none on Best Buy 's part at all ) did I get XXXX to give me a credit of {$85.00} on XX/XX/XXXX, only to then, on the same day, have Best Buy return it to them and by doing so, recharge me for this amount of {$85.00} again! And now, Best Buy is giving me the run around that " nobody is available to talk to me '' about this " mistake '' and " someone will have to call me back '' ( but no one ever does ). As such, my credit card is now showing a past due balance of {$83.00} ( they did give me a credit for a few dollars for interest that I never should have had to pay, although now, I am probably once again accruing more interest charges and probably late fees, too ( before this situation, I did have " perfect credit ''! ).

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 2025-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Complainant : XXXX XXXX XXXX XXXX : Newrez LLC XXXX Shellpoint Mortgage Servicing Loan Number : XXXX Property Address : XXXX XXXX XXXX XXXX XXXX XXXX I am filing this complaint against Newrez LLC for ongoing mortgage servicing errors and deceptive practices involving the improper placement and continued billing of lender-placed insurance ( LPI ) on my primary residence. 

On XX/XX/XXXX, I changed my hazard insurance carrier from XXXX XXXX to XXXX with no lapse in coverage. I submitted proof of this coverage to Newrez XXXX times before they acknowledged it. Despite having continuous coverage, Newrez imposed XXXX in XXXX XXXX  in the amount of {$270.00}, which they later cancelled on XXXX XXXX XXXX and confirmed in writing. 

However, starting XXXX XXXX  they continued adding the cancelled XXXX charge to my monthly escrow statements. I have made numerous calls and sent multiple written disputes requesting removal and refund. In XXXX XXXX I was told by a Newrez agent that if I paid XXXX months of the escrow amount, the account would be reset and I would be refunded but no refund has been issued as of XXXX XXXX XXXX 

On XXXX XXXX XXXX Newrez sent an escrow analysis indicating XXXX was removed going forward but failed to correct the prior months improper charges. On XXXX XXXX XXXX  I sent a dispute letter under the Fair Debt Collection Practices Act ( FDCPA ) challenging the invalid debt. Despite this, collection calls and notices continued, which violates federal law. On XX/XX/XXXX, I received a certified demand letter from Newrez attempting to collect on these disputed, invalid charges and threatening foreclosure. 

This pattern of misconduct constitutes violations of RESPA, FDCPA, and likely the XXXX  Deceptive Trade Practices Act. I am requesting immediate regulatory investigation and enforcement to require Newrez LLC to : Remove the invalid charges, Cease improper collection efforts, Refund all improperly collected amounts, Correct my escrow balance and account status. 

Documentation including proof of insurance, Newrez correspondence, and billing statements are available upon request.

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 2025-04-30 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: GOLDMAN SACHS BANK USA
State: TN

Complaint narrative:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days! 

These fraudulent accounts are not only damaging my credit but also causing me significant stress and XXXX. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: NY

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc.
State: GA

Complaint narrative:
Subject : Dispute of Credit Report Entry Dear Credit Systems International,, I am writing to dispute an entry on my credit report by the Fair Credit Reporting Act ( FCRA ) 609 ( 15 U.S.C. 1681g ). I believe that the information provided by your agency is inaccurate and needs to be corrected. 

According to FCRA 611 ( 15 U.S.C. 1681i ), I am requesting that you investigate this matter and provide me with any documentation or evidence supporting the validity of the reported debt. The specific entry in question is the amount that you have listed, which I believe is erroneous because it is not my debt. 

Please consider this letter a formal request for verification of the debt as stipulated by Section 809 of the FDCPA. Until proper verification is provided, I ask that you cease reporting this entry to the credit bureaus, as it is my right to have accurate and truthful information reflected in my credit report. 

I have previously emailed and submitted disputes through your website, but you have consistently reported this information. I kindly request that you permanently remove my file from your collection database and XXXX  reporting agency.. Thank you for your attention to this matter. 

I would appreciate a prompt written response to my dispute and any relevant documentation regarding this account. If you fail to provide such verification, I expect the negative entry to be removed from my credit report. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: PA

Complaint narrative:
My name is XXXX XXXX and I am writing this letter on my own behalf. I would formally like to request an investigation and removal of inaccurate and unauthorized accounts on my credit report. These accounts are not associated with me to my knowledge : Account name XXXX XXXX XXXX Account number XXXX Date Opened : XX/XX/XXXX Account name XXXXXXXX XXXX Account number XXXX Date Opened : XX/XX/XXXX Account name XXXX XXXXXXXX XXXX Account number XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Additionally the following late payments are being reported and affecting me negatively : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Under the FCRA 609 ( a ) ( 1 ) and 611, I am exercising my right to request this account be verified. I have no knowledge of these negative accounts or late payments. I did not sign or authorize any agreement related to it, and I dispute its accuracy and ownership. 

Please provide me a copy of the following : A copy of the original signed contract or application bearing my signature A detailed account or activity record The method used to verify the accuracy and legitimacy of these accounts If this information can not be properly verified under FCRA guidelines, I respectfully request that the accounts be immediately deleted from my credit reports. I additionally request all late payments to be verified as I believe they also are inaccurate. If the furnisher can not verify the late payment per the FCRA 611 it must be deleted and be updated to good standing. If the late payment is verified I request a goodwill adjustment as I have maintained timely payments and history with these lenders for several years. 

I have enclosed a copy of my ID for identity verification. Thank you for your prompt attention I look forward to your response.

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 2025-04-30 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: PA

Complaint narrative:
My name is XXXX XXXX and I am writing this letter on my own behalf. I would formally like to request an investigation and removal of inaccurate and unauthorized accounts on my credit report. These accounts are not associated with me to my knowledge : Account name XXXX XXXX XXXX Account number XXXX Date Opened : XX/XX/XXXX Account name XXXXXXXX XXXX Account number XXXX Date Opened : XX/XX/XXXX Account name XXXX XXXXXXXX XXXX Account number XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Additionally the following late payments are being reported and affecting me negatively : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Under the FCRA 609 ( a ) ( 1 ) and 611, I am exercising my right to request this account be verified. I have no knowledge of these negative accounts or late payments. I did not sign or authorize any agreement related to it, and I dispute its accuracy and ownership. 

Please provide me a copy of the following : A copy of the original signed contract or application bearing my signature A detailed account or activity record The method used to verify the accuracy and legitimacy of these accounts If this information can not be properly verified under FCRA guidelines, I respectfully request that the accounts be immediately deleted from my credit reports. I additionally request all late payments to be verified as I believe they also are inaccurate. If the furnisher can not verify the late payment per the FCRA 611 it must be deleted and be updated to good standing. If the late payment is verified I request a goodwill adjustment as I have maintained timely payments and history with these lenders for several years. 

I have enclosed a copy of my ID for identity verification. Thank you for your prompt attention I look forward to your response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: IL

Complaint narrative:
Upon reviewing my payment records, I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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 2025-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Deinde Online Services, LLC
State: ID

Complaint narrative:
This company has wrongly accused me of a loan I did not take out. 
They put money into a account that I never had or even delt with this bank. 
They hurt my credit and this is identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: NJ

Complaint narrative:
This morning, I found some incorrect accounts listed on my credit report, and Im unsure how they got there. I reviewed my credit report like I normally do, but this time I noticed unexpected discrepancies. I even refreshed the page to rule out a browser glitch, but the errors remained. Given this situation, Im requesting a careful review of the documents Ive submitted so I wont have to worry about this happening again.

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 2025-04-30 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:
The following entries on my Equifax credit report are all inaccurate and likely result from a data breach or erroneous reporting : XXXX XXXX ( account ending in XXXXXXXX XXXX XXXX XXXX XXXX with a balance of {$0.00} ), XXXX ( account ending in XXXX XXXX XXXX, with a balance of {$7200.00} ), XXXX XXXX ( account ending in XXXXXXXX XXXX XXXX XXXX XXXX with a balance of {$290.00} ), and XXXX  ( account ending in XXXXXXXX XXXX XXXX XXXX XXXX  with a balance of {$40.00} ). There is no valid explanation for these items being reported, especially the entries with a balance of {$0.00}, which raises concerns about the accuracy and legitimacy of these reported amounts. I have not been informed by any of the companies listed above about any of these debts, and the data reported is inconsistent and questionable. I believe this may be the result of either a clerical error or a data breach affecting my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX # XXXX XX/XX/XXXX -- {$0.00} DOE XXXX # XXXX XX/XX/XXXX -- {$0.00} DOE XXXX # XXXX XX/XX/XXXX -- {$0.00} DP OF EDUC # XXXX -- {$1900.00} DP OF EDUC # XXXX -- {$8300.00} DP OF EDUC # XXXX -- {$4600.00} XXXX  # XXXX XX/XX/XXXX -- {$690.00} UNAUTHORIZED INQUIRIES : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: MN

Complaint narrative:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$48000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$7800.00} INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-04-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
Was just informed LVNV has contacted someone staying at an old address that I no longer stay at saying that I gave them permission to call them because that person is my mother which is a lie. My mother is deceased and Ive never gave them any permission to contact anyone! Also was informed that they will contact anyone they believe is related to me to get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX, XXXX XXXX {$8.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$3900.00} Open Date XX/XX/XXXX XXXX XXXX XXXX  Balance {$630.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$500.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$490.00} Open Date XX/XX/XXXX XXXX & XXXX Balance {$450.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$430.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Open Date XXXX XXXX, XXXX Inquiries XXXX XXXX XXXX XXXX Date XXXX XXXX, XXXX XXXX XXXX XXXX Date XXXX 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 2025-04-30 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2025-04-30 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief