vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-01 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:
Recently I have reviewed my current credit report and I have found some inaccuracies. This account is hurting my ability to obtain credit. To my knowledge, the credit reporting agencies Equifax, transunion and experian will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate. 
XXXX XXXX account number : 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 2025-03-01 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:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
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 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 2025-03-01 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: MI

Complaint narrative:
I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. 
Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 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: IL

Complaint narrative:
XXXX {$2400.00} XXXX {$1000.00} I have reviewed my credit reports from all three major bureaus. There are numerous accounts that do not match per different lines, most do not match in the payment history. 

I have filed numerous complaints with the CFPB providing more than one credit report that reflects after their investigation, yall are still reporting inaccurately, yet are claiming they contacted the furnisher. All three can't be right if they are still reporting inaccurately.

I reported these accounts to be fraudulent identity death and they still have not took this off my credit. Above I have a few items that are inaccurate By law I am allowed to dispute anything that I feel is erroneous and not 100 % accurate. XXXX was sued for unlawfully failing to properly investigate consumer disputes. If I dont receive the proper justification I will be suing equifax and transition! The CFPB alleges that Equifax and Transuinon does not take sufficient steps to intake, process, investigate, and notify consumers about consumer disputes, resulting in the inclusion of incorrect information on credit reports. Inaccurate or false information on consumer reports can threaten consumers ' which is your company! These accounts were removed from my XXXX account so to fraud and it needs to be done for equitable and transition! I have submitted police reports, proof for a complaint and I neeed this off my credit now before me and my lawyers pursue legal action!

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 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, ZIP Code : XXXX, Ga XXXXEmail : XXXX Phone : XXXX Date : XX/XX/XXXX XXXX  Dispute Department po box XXXX XXXX, TX XXXX XXXX Dispute Department XXXX XXXX XXXX XXXX, GA XXXX XXXX Dispute Department XXXX XXXX XXXXXXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Information on Credit Report To Whom It May Concern, I am writing to formally dispute an inaccuracy on my credit reports issued by XXXX, XXXX, and XXXX. Upon reviewing my reports, I noticed a significant error related to my Capital One account ( Account XXXX XXXX ). 

Specific Inaccuracy : The report states that the account was charged off with a past due amount of {$8800.00} as of XX/XX/XXXX and a balance of {$8800.00} updated as of XX/XX/XXXX. However, there is an inconsistency in the payment history section, which shows multiple charge-offs ( CO ) reported consecutively for several months in XXXX and XXXX. It is factually inaccurate to report a charge-off status repeatedly each month after the initial charge-off date. According to the Fair Credit Reporting Act ( FCRA ), a charge-off can only be reported once and should not appear as a recurring event. 

Additionally, the status update date is listed as XX/XX/XXXX, which does not align with the reported charge-off and past due status as of XX/XX/XXXX. This conflicting information suggests a potential reporting error. 

Requested Actions : 1. Reinvestigate this account information with Capital One to verify its accuracy.

2. Correct the status of the account by removing the repeated charge-off entries if they are indeed inaccurate, or provide supporting documentation validating the reported information.

3. Update my credit reports accordingly and send me corrected copies.

Please consider this letter as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I have attached a copy of my credit report highlighting the inaccurate information for your reference and request that XXXX and XXXX also verify the accuracy of this account. 
I would appreciate your prompt attention to this matter and a response within 30 days of receiving this letter. Should you need any further information to complete the investigation, please contact me directly at the phone number or email listed above. 
Thank you for addressing this issue promptly. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
ON or around about XXXX of XXXX I began to reach out to the company with a complaint about inaccurate information and Disputes, I got back confusion. I had been a victim of identity theft since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Coradius International LLC
State: TX

Complaint narrative:
I recieved a letter from a debt collector dated XXXX  There was a claim that I owed {$280.00} in debt. This came from an account I do not own and did not create.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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:
I rencently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report : XXXX XXXXXXXX. 

They are hurting my ability to obtain credit. 
Please remove these items

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 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: SC

Complaint narrative:
I rencently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report : XXXX XXXXXXXX. 

They are hurting my ability to obtain credit. 
Please remove these items

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 2025-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
I noticed my account said restricted when I called they were very shady about the ordeal and told me I violated memebers terms and conditions but wouldnt provide information until the account is closed Ive called several times

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: DISCOVER BANK
State: MN

Complaint narrative:
Keep getting calls and emails and letters and cant apply to new credit cards. Not a good look for companies to be doing this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My information from all three credit bureau have leaked my credit information and I have a lot of fraudulent info on my credit reports thats not from 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 explanation
Consumer complaint received 2025-03-01 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: NY

Complaint narrative:
Recently I have reviewed my current credit report and I have found some inaccuracies. This account is hurting my ability to obtain credit. To my knowledge, the credit reporting agencies Equifax, transunion and experian will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate. 
XXXX XXXX account number : 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 2025-03-01 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: NY

Complaint narrative:
Recently I have reviewed my current credit report and I have found some inaccuracies. This account is hurting my ability to obtain credit. To my knowledge, the credit reporting agencies Equifax, transunion and experian will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate. 
XXXX XXXX account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AL

Complaint narrative:
Lost money with the company on unauthorized transactions and wasnt able to dispute or resolve issues XXXX multiple times up too 2000 $

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: MA

Complaint narrative:
SHELL POINT MORTGAGE XXXX XXXX XXXX XXXX, XXXX XXXX XXXX phone XXXX fax XXXX XXXX XXXX website www.shellpointmtg.com On and prior to XX/XX/year> Shellpoint told us that XXXX company called XXXX forced them to buy our XXXX sewer loan for about XXXX so we are negative in escrow... or they had a lien and would foreclose XXXX us I am a XXXX XXXX XXXX my husband is XXXX XXXX XXXX XXXX with a 70 % service connected XXXX We have been here 28 years when we bought our home. 
The sole reason we stalled on paying XXXX was at XXXX day late they raised loan to 14 % ONE DAY LATE? was NOT in contract and is absurd We disputed this and they said hang on we will fix it for XXXX lawyer called and said they would..so wait for docs. next we heard they forced the loan onto SHELLPOINT

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 2025-03-01 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
Synchrony XXXX XXXX with whom I have had a card with now for years, and have always applied ( allocated ) payments to certain balances, all of a sudden ; is refusing to allocate the remainder of my monthly payment, to the higher interest Non-Promo balance as I am requesting! Instead, they are allocating the entire monthly payment to my promotional balance which isn't even due for another year, and putting little to nothing towards my non-promo balance of which is accruing interest of $ XXXX. This then is actually increasing that entire balance and decreasing my promotional balance ONLY!! I have called and argued with them, as this has NEVER been an issue with Synchrony until XXXX. It is clear they are doing this so that promotional balances get paid off first when not necessary and we consumers are stuck with high interest balances and hundreds in interest charges!! 

Something needs done about this, as I can see hundreds of online complaints from Card users!!!

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 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, ZIP Code : XXXXXXXX XXXX XXXXXXXX : XXXX Phone : XXXX Date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Information on Credit Report To Whom It May Concern, I am writing to formally dispute an inaccuracy on my credit reports issued by XXXX, XXXX, and XXXX. Upon reviewing my reports, I noticed a significant error related to my APPLE CARD/GS BANK USA account ( Account Number ending in XXXX ). 
Specific Inaccuracy : The report indicates that the account was charged off with a past due amount of {$12000.00} as of XX/XX/XXXX and a balance of {$12000.00} updated as of XX/XX/XXXX. However, there is a clear inconsistency in the payment history section : 1. The payment history shows multiple charge-offs ( CO ) reported consecutively for several months in XXXX and XXXX. According to the Fair Credit Reporting Act ( FCRA ), a charge-off can only be reported once and should not appear as a recurring event. Reporting a charge-off for multiple months is factually incorrect. 
2. Additionally, the payment history reflects late payments ( 60, 90, 120, 150 days past due ) leading up to the charge-off, but continues to report charge-offs ( CO ) for multiple months after the initial charge-off date. If the account was charged off, it should not report additional charge-offs in subsequent months. 
3. The status was last updated in XX/XX/XXXX, yet the charge-off entries continue into XXXX and XXXX, suggesting potential backdating or duplicate reporting. This discrepancy violates the accurate reporting standards under the FCRA. 
Requested Actions : 1. Reinvestigate this account information with APPLE CARD/GS BANK USA to verify its accuracy. 
2. Correct the status of the account by removing the repeated charge-off entries and the inaccurate late payments if they are indeed errors, or provide supporting documentation validating the reported information.

3. Update my credit reports accordingly and send me corrected copies. 
Please consider this letter as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I have attached a copy of my credit report highlighting the inaccurate information for your reference and request that XXXX and XXXX also verify the accuracy of this account. 
I would appreciate your prompt attention to this matter and a response within 30 days of receiving this letter. Should you need any further information to complete the investigation, please contact me directly at the phone number or email listed above. 
Thank you for addressing this issue promptly. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Professionals, Inc.
State: WY

Complaint narrative:
XX/XX/year> called and spoke with representative notifying them the debt is a XXXX  XXXX XXXX claim. I provided them with contact info including claims analyst name and number. Also, XXXX XXXX XXXX claim number. 

Have not received any more information and it is still being reported to my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: OH

Complaint narrative:
My Mortgage company - Mr. Cooper ( Nationstar Mortgage LLC ) -- purchased forced home insurance coverage despite my insurance company sending them proof of continuous coverage months ago - I renewed my policy XXXX exact same insurance that they had on file for the previous year -- all they had to do was reconfirm my policy was renewed or give me a call ... XXXX XXXX XXXX submitted the proper paperwork ( proof of coverage ) to their portal at the time but Mr. Cooper apparently refused to look at it and instead purchased EXTREMELY EXPENSIVE insurance at nearly XXXX  times the cost of my actual coverage and put me under an escrow arrangement seeking payment for thousands of dollars on a home that has already been properly insured. I tried to call the company but they refuse to man the phones with live human beings and the automated prompts provide no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: NY

Complaint narrative:
I received a {$50.00} Vanilla gift card yesterday, but when I tried to make a purchase on XXXX, it was declined. I attempted a different purchase, but it was also declined. I tried to call customer service, but I only encountered automated responses, and none of their advice was helpful or useful. Additionally, there's no helpful information on their website that could assist me in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: IL

Complaint narrative:
I am formally requesting a security freeze on my credit report under the Fair Credit Reporting Act ( FCRA ) to prevent unauthorized access and ensure compliance with consumer protection laws.

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 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CORELOGIC INC
State: IL

Complaint narrative:
I am formally requesting a security freeze on my credit report under the Fair Credit Reporting Act ( FCRA ) to prevent unauthorized access and ensure compliance with consumer protection laws.

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