vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-06 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: OH

Complaint narrative:
Ive Recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 non-monetary relief
Consumer complaint received 2025-02-06 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: OK

Complaint narrative:
I am formally disputing the following late payment entries on my credit report : XXXX XXXX XXXX XXXX XXXX - {$0.00} These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 2025-02-06 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: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so, they didn't follow the proper procedure in notating my dispute of the account, which is a direct violation of 15 USC 1692e ( 8 ), which makes this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

I demand this company to delete this account from all 3 credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney who has advised me that the fact that they didnt notate my account on my credit report as consumer disputes as a violation that I am able to sue them under.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
Dear CFPB Representative, I am writing to formally lodge a complaint against Select Portfolio Servicing ( SPS ) for engaging in what I believe to be predatory lending practices. Specifically, SPS has failed to fulfill its obligations as my loan servicer, leading to unnecessary financial burdens and potential default risks on my mortgage. 

Failure to Pay Property Taxes on Time SPS failed to pay my fourth-quarter property taxes on time, resulting in late fees. Despite my repeated written requests, as of todayfive days past the tax due datethey have still not made the payment. Their consistent delays appear to be intentional, exposing me to financial penalties and additional stress.

Failure to Pay Homeowners Insurance In late 2024, SPS also failed to pay my homeowners insurance in a timely manner, which I believe was a deliberate act to push my loan into default. As a result, I had to intervene to prevent a lapse in coverage, which could have jeopardized my property. 

Pattern of Negligence and Excuses Despite numerous written communications with SPS regarding these ongoing issues, they have continued to offer dismissive and baseless excuses. Their actionsor lack thereofsuggest an intent to manufacture default conditions rather than properly servicing the loan. 

I request the CFPB to launch an immediate investigation into SPSs practices. Their continued failure to make timely escrow payments is not just negligent but appears to be a calculated move to place borrowers at financial risk. I urge the CFPB to take appropriate action to hold SPS accountable for these unfair and deceptive practices. 

Please advise on the next steps and any additional information you may require. I appreciate your time and attention to this serious matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NH

Complaint narrative:
Dear XXXX ; I was shocked when I reviewed my credit report and found late payment on XX/XX/XXXX 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NH

Complaint narrative:
Dear XXXX ; I was shocked when I reviewed my credit report and found late payment on XXXX XXXX XXXX XXXX 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get 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 explanation
Consumer complaint received 2025-02-06 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: NH

Complaint narrative:
Dear XXXX ; I was shocked when I reviewed my credit report and found late payment on XXXX XXXX XXXX XXXX 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get 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 2025-02-06 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: VA

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have identified information on my consumer reports that are a result of identity theft, these items were not related to any transactions completed by 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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have identified information on my consumer reports that are a result of identity theft, these items were not related to any transactions completed by 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 2025-02-06 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: BHFC Financial Services INC
State: TX

Complaint narrative:
There are accounts that has been sitting on my credit for years that keeps coming back as accurate. Show me the method that you actually used to prove these items are accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: CLAYTON AUTOS, INC
State: TX

Complaint narrative:
There are accounts that has been sitting on my credit for years that keeps coming back as accurate. Show me the method that you actually used to prove these items are accurate

Company response to consumer: Untimely response
Consumer complaint received 2025-02-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: NC

Complaint narrative:
I have XXXX properties/parcels on my loan that is being serviced. XXXX of the XXXX are residential buildings and XXXX is a vacant lot. XXXX of the XXXX parcels have delinquent taxes that have not been paid. XXXX of the XXXX parcels had relevied taxes + penalties but both the taxes and penalty were paid from my escrow account. The current unpaid taxes are as follows : XXXX. XXXX XXXX XXXX - {$2300.00} - Delinquent XXXX XXXX XXXX ( without penalty ) XXXX. XXXX XXXX XXXX - {$660.00} - Unpaid XXXX XXXX XXXX ( XXXX XX/XX/XXXX ) ( without penalty ) XXXX. XXXX XXXX XXXX {$16.00} - Delinquent XXXX XXXX XXXX ( without penalty ) XXXX. XXXX XXXX XXXX- {$4.00} - Unpaid XXXX XXXX XXXX ( XXXX XX/XX/XXXX ) ( without penalty ) The paid property tax + penalty is described below XXXX. XXXX XXXX XXXX - XXXX {$1500.00} from escrow account - XXXX  XXXX XXXX XXXX ( {$1300.00} without penalty )

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XXXX XXXX at XXXX XXXX XXXXXXXX XXXX XXXX XXXX sent a one time ACH authorization that said it was signed by XXXX XXXX XXXX. I have a copy of a fax from XXXX XXXX that was sent on fax server XXXX. I can you the copy. It's very hard to read but it did come from your bank. I received a copy of this fax from Capital 1 Bank where I had savings accounts. The money was withdrawn for {$280000.00} on XX/XX/XXXX 

To this day almost XXXX months later, Capital 1 has been of no assistance. They say they have proof from XXXX XXXX that I authorized the withdrawal of the money. I have never had an account at XXXX XXXX. I don't even even know where it is located or know anyone who uses XXXX XXXX 

I am asking your fraud department to help me because Capital 1 isn't. I think you have to do you research on where the fax came from and who authorized it who sent it apparently someone in your bank did this ACH.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-02-06 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I ask companies JPMCB in store XX/XX/2024 if my existing card was active because i haven't used it in a while, Customer Service never stated the they would have to run my credit to find out. I'm also having the say issue with XXXX XXXX XXXX Because of those 2 Hard Inquiries on my credit, it stopped me from buying a home for my children and I. Also the dates on my credit report are not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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:
I respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away. Kindly remove and block them.

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 2025-02-06 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: VA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: Property Receivables, Corp
State: TX

Complaint narrative:
This company continues to call me about an outstanding balance unpaid from my previous apartment complex. They claim that after 30 days, my information is given to them, but it has been much longer than 30 days and the amount was paid almost XXXX year ago. I have called the apartments office and they verified that it was paid and there is no balance on my account. I told them this yet they keep calling. I block their number and they call from a different one. The company is called Property Receivables and judging by their reviews they are a known scam company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: FL

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-02-06 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: NJ

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: TX

Complaint narrative:
In XXXXXXXX XXXX XXXX I requested a 1099-c form and never received it.

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 2025-02-06 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Westlake Services, LLC
State: GA

Complaint narrative:
Westlake Portfolio illegally repossessed my car that I purchased with us auto and sold it for {$900.00}, but they keep calling and harassing me daily to pay {$9000.00}.

When I called to make my normal monthly payment and found out us auto closed the new company Westlake Portfolio wouldnt accept my car payment but wanted me to pay {$9000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Please refer to already submitted complaint ID XXXX. 
New evidence Company has said they will look into the disputes and have it resolved. I have been filing these disputes over the course of years. I have given Experian more than enough time to investigate the disputes that were never thoroughly investigated over these years. I am no longer waiting for any investigations into any disputes. This has caused me to be homeless with a child and Ive lost jobs due to no transportation due to credit file. They are completely beyond time limits which they have taken months and years to investigate. I am not allowing no more time for investigation. Not to mention, after all these years and months of disputing, the company is just now emailing me to upload identification documents and they have completely denied my disputes before even asking for this information. They should have asked a long time ago and Ive sent this years back. Why is that?

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 2025-02-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
I opened this account and I got a letter stating it was a Class Action Act because they didn't pay the full amount on % returns.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: AL

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It is stressing me out and making me XXXX. Hope you can address this soon, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My job had cut my hours and overtime so it made the monthly bill was to high to pay at the moment they dint want to lower it to make it more affordable...

Company response to consumer: Closed with explanation