vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FactorTrust, Inc.
State: MO

Complaint narrative:
Dear Factor Trust I have spent two extremely frustrating hours trying to place a credit freeze on the Factor Trust account as well as getting a copy of my credit report. I have gone to many sites and I agree Im not good with computers, but this was by far the most difficult one that I have ever encountered. I had to put my name address, etc. in the box about 15 times only to have it delete and ask again and again for exactly the same information. The past word had to be excessively complicated and impossible to remember when I had all of that done it asked me for my personal information again and again and again. Then it kept sending codes to my emails and I would have to type it in and when I went to get my credit report, it sent another code I came back and it said I took too much time and it asked for all of my personal information again. I am disabled and this sort of nonsense is extremely hard on me physically and mentally. 
I would like to have a copy of my credit report and also to place a security freeze on the account so that my information is shared with no one except for me. When I clicked on security, freeze it recycled again and again asking me for the same personal information that took me 15 minutes to type in. This is ridiculous and I would appreciate your help.

I wouldnt like to also know why my information is being sold without my permission or knowledge I have included a copy of my Social Security card and drivers license to verify. Here is some small examples of what I was put through as you can see in the screenshot. 
Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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:
Im extremely frustrated by the inaccuracies on my report that are unfairly damaging my scores and blocking my opportunities. These errors have caused unnecessary setbacks, higher costs, and lost chancesthings I shouldnt have to deal with because of mistakes that arent mine.

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 2025-02-27 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: SC

Complaint narrative:
Under 15 USC 1681i ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally dispute the inaccurate reporting of a XXXX XXXX  account ( Account # XXXX ) on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ), I am requesting an immediate investigation and removal of this account due to multiple inaccuracies that violate my consumer rights. 

This account was previously verified but remains inaccurately reported. The following details are incorrect and require immediate correction or deletion : High Balance Date of Last Activity Date Reported Date Opened Closed Date XXXX Late Payment XXXX Late Payment XXXX Late Payment Under FCRA 1681s-2 ( a ), furnishers of information are required to report only accurate and complete information. Since this account contains multiple discrepancies, it fails to meet the accuracy standards outlined in the law. Additionally, under 1681i ( a ) ( XXXX ), if the information can not be verified as completely accurate, it must be deleted from my credit report. 

I demand that TransUnion and Experian conduct a reinvestigation of this account and provide me with written confirmation of its removal within XXXX  days, per the requirements of the FCRA. If this account is not properly removed, I will have no choice but to escalate this matter to seek legal remedies to enforce my rights.

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 2025-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Overdraft fees of {$35.00} per occurrence which happened on XX/XX/year> and XX/XX/year>. 
Request refund of fees, {$75.00}, as this account is the only account that I have which my Social Security Disability and child support payments go into.

In accordance with 42 U.S.C. 407 ( also known as the anti-attachment provision ) prohibits creditors, including banks, from seizing Social Security benefits to pay debts, including overdraft fees.

And, in Virginia, child support payments you receive are generally protected from garnishment and can not be used to cover debts such as overdraft fees. This protection is outlined in the Code of Virginia 20-108.1, which addresses child support guidelines. Additionally, 8.01-512.4 provides a notice of exemptions from garnishment, explicitly listing child support payments as exempt.

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 2025-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Im extremely frustrated by the inaccuracies on my report that are unfairly damaging my scores and blocking my opportunities. These errors have caused unnecessary setbacks, higher costs, and lost chancesthings I shouldnt have to deal with because of mistakes that arent mine.

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 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I previously disputed XXXX collection accounts from my Equifax credit report. Equifax ignored my request for documents and evidence submitted with my disputes. I was never provided any documents I requested or was notified of the results. I have XXXX account from XXXX XXXX XXXX and XXXX from XXXX XXXX XXXX reporting XXXX verified debt on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Lien release
Company: Mr. Cooper Group Inc.
State: PR

Complaint narrative:
I paid off my mortgage loan with Mr. Cooper over a year ago, but I have not received my official payoff letter despite multiple attempts to obtain it. 

I first requested the payoff letter after my final loan payment, but I never received it. 
I have called Mr. Cooper multiple times, but I am only directed to an automated system that does not provide the document or connect me to a live agent. 
I also checked my online account as instructed, but the payoff letter is not available there. 
I need this document to cancel my homeowner 's insurance policy, but the insurance company will not proceed without it. 
As a result, I have been forced to continue paying for an unnecessary insurance policy for over a year. 
I am requesting that Mr. Cooper promptly provide my official payoff letter so I can cancel my insurance and avoid further financial burden.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

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 2025-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I had a dispute but canceled it because I was unhappy with how Chase handled the transactions. They closed my account while I was still in the process of disputing it. 

Chase Bank Checking Account : {$XXXX} The original balance was {$XXXX}, but they offered me a settlement to pay half. However, I dont want to payI want the account balance to be {$XXXX}. Some disputed were downed when they shouldve had not been denied

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
This is regarding Claim # XXXX, a dispute I filed with Capital One on XX/XX/XXXX, due to my debit card being used for fraudulent and unauthorized transactions. 

For the amounts of : {$320.00}, {$300.00}, and {$30.00} from the merchant called " XXXX XXXX '' And the amount of {$1100.00} from a merchant called " XXXX. '' All of these charges took place on XX/XX/XXXX, and XXXX in XXXX On XX/XX/XXXX I noticed our Capital One checking account was in the negative so I immediately investigated the transactions. I found the XXXX unfamiliar amounts and immediately called Capital One to dispute the charges made using my debit card number. Capital One immediately closed my card and issued a new one. 

I recently received an email stating my dispute with Capital One was DENIED. And they put the charges back on my account. This is UNACCEPTABLE as I have nothing to do with those merchants and their charges. I have XXXX transactions or evidence that I have anything to do with them. My identity was stolen as there have been a few companies ( XXXX ) that have had data breaches, and we received notice. 

My information and AI was used to make purchases from the vendors and then transferred those purchases to a foreign account that is not mine. I have had to secure a new driver 's license and file with identity protection. 

It is WRONG and UNACCEPTABLE of Capital One to take sides with merchants who aid and allow hackers and scammers with stealing a customer 's identity and debit card information to make foreign transactions. They should always be aware of scammers using AI and other methods to impersonate and make fake accounts in people 's names to complete fraudulent transactions. 

Capital One is in breach of their Cardholder Protection Clause involving a cardholder 's card being used for fraud and unauthorized purchases. 

I DISAGREE with the denied dispute claim and want to escalate it further as I have nothing to do with the merchants listed above and the products they offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Shell point mortgage is a nightmare to deal with and the worst thing that ever happens to my financial life. I bought this house during XXXX with XXXX XXXX and they sold my debt to shell point. Why?? Worst most shady company ever. They make it difficult to communicate with them, hide behind their phone walls and long waits, weird portal. Their staff drags their feet. XXXX XXXX I remember was the worst one. The loss mitigation team took XXXX  years to figure out my situation... They destroyed my credit for months, I couldn't make any financial moves for myself. They just do not care. Then XXXX day they are demanding paper work. It's crazy. Now, I want to get my funding fee back that they never even told me existed, I had to call the XXXX and find out. XXXX dollars. Wild. You try and call and you're on the phone talking to a robot for forever, then waiting. Then they have no emails listed on their website. I just want to warn anybody and everybody to never do business with these people.

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 2025-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-02-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear I am writing to formally dispute an account that has been fraudulently reported on my credit file due to identity theft. The details of the fraudulent account are as follows : Collection Agency XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Amount : {$2800.00} Date Reported : XX/XX/XXXX Date of First Delinquency : XX/XX/XXXX I did not authorize this account, nor did I enter into any agreement with the original creditor. This account is the result of identity theft. Under the Fair Credit Reporting Act ( FCRA ) 605B, I am requesting the immediate blocking and deletion of this fraudulent account from my credit report.

To support my dispute, I have enclosed : 1A copy of my FTC Identity Theft Report 2A copy of my government-issued identification According to the FCRA, you are legally required to remove fraudulent information resulting from identity theft. I demand that you : 1Immediately delete this fraudulent account from my credit report 2Send me an updated credit report reflecting this deletion 3Provide written confirmation that this account has been removed If this fraudulent account is not removed within the required four-day blocking period, I will escalate this matter with the Consumer Financial Protection Bureau ( CFPB ), the FTC, and pursue legal remedies as necessary.

I appreciate your prompt attention to this matter. Please confirm the deletion of this fraudulent account in writing. You may send your response to the address listed above.

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 2025-02-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
I tried to call CASH APP and they had no live persons to speak with and they took {$1000.00} from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if 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 explanation
Consumer complaint received 2025-02-27 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: OR

Complaint narrative:
I am writing to request, pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ), that you, XXXX credit XXXX agency, block information appearing on my consumer credit report that is the result of identity theft and fraud. I kindly request this action to be taken within XXXX business days of receiving this complaint. 
The fraudulent, inaccurate, and false information includes the following : Credit Accounts : XXXX XXXX XXXXXX/XX/XXXX, {$620.00} XXXX XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$2000.00} XXXX XXXX Bank, XX/XX/XXXX, {$2400.00} XXXX XXXX, XX/XX/XXXX, {$140.00} XXXX Bank XXXX XXXX, XX/XX/XXXX, {$0.00} XXXX  XXXX, XX/XX/XXXX, : {$0.00} XXXX XXXX, XX/XX/XXXX, {$6200.00} XXXX XXXX, XX/XX/XXXX, {$190.00} XXXX  XXXX XXXX, XX/XX/XXXX, {$0.00} XXXX  Financial, XX/XX/XXXX, {$0.00} Collections : XXXX XXXX, XX/XX/XXXX, $ XXXX XXXX, {$2700.00} Bankruptcies : XXXX Bankruptcy XXXX XXXX XXXX XXXX AZ XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX, Hard Inquiries : XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX, XXXX XXXX AZ XXXX Employers : XXXX XXXX XX/XX/XXXX About M These fraudulent accounts have led to several hard inquiries and collections appearing on my consumer XXXX credit report. I do not recognize any of these accounts, collections, hard inquiries, addresses, or bankruptcies, as they were not opened, made, or initiated by me. They are all the result of identity theft and fraud. 

Attached to this complaint, you will find copies of the FTC Identity Theft Criminal Complaint as proof, verifying that all the aforementioned accounts, collections, bankruptcies, and addresses are the result of identity theft and fraud. 

I kindly request that Credit Bureau blocks all these fraudulent accounts, collections, bankruptcies, hard inquiries, and addresses from my consumer credit file within XXXX business days of receiving this complaint. Additionally, I request that all written confirmations regarding this complaint be sent to me via email at XXXX. 

Thank you for your prompt attention to this matter. 

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