vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-11 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: AL

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION 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 XXXXEQUIFAX 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 rights.

EXPERIAN 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 XXXX XXXX XXXX XXXX/EQUIFA XXXX XXXX XXXX XXXX
has violated my rights .

I looked at my TransUnion Equifax Experian credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
In XX/XX/scrub>XXXX XXXX Shellpoint Mortgage failed to apply my husband 's XXXX  veteran tax exemption to our escrow account, causing our monthly mortgage payment to increase incorrectly. After more than a year of delays, Shellpoint finally processed the exemption but placed {$4900.00} in escrow instead of applying it to our account balance or refunding it. 

Now, Shellpoint is demanding we pay {$4900.00}, which includes an incorrect {$75.00} late fee, before they will release the escrow refund. They also added an unjustified {$120.00} fee for sending agents to our home, even though this issue was caused by their own error. 

Despite multiple calls and formal requests since XX/XX/year>, Shellpoint has not properly corrected our account. They continue to send late notices, collection threats, and agents to our home, and may have reported false delinquencies to credit bureaus. We request that Shellpoint immediately apply the escrow surplus to our balance, remove the incorrect charges, cease collection actions, and confirm no negative credit reporting occurred.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: CL Holdings LLC
State: MI

Complaint narrative:
I want reported accounts to be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: Asset Recovery Bureau LLC
State: MI

Complaint narrative:
I want reported accounts to be removed. 
XXXX XXXX XXXX Asset Recovery Bureau LLC XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc.
State: LA

Complaint narrative:
Hello, I am disputing a fraudulent transaction on my account. While my PIN was used, I did not authorize this transaction. I suspect unauthorized access or fraud. Please escalate this case to a higher support level for further review cashapp Wednesday at XXXX ( {$30.00} ) was removed from account XX/XX/XXXX ( {$30.00} ) was removed from my account XX/XX/XXXX ( {$20.00} ) was removed from my account XX/XX/XXXX ( {$21.00} ) was removed from my account XX/XX/XXXX ( {$20.00} ) was removed from my account XX/XX/XXXX ( {$20.00} ) was removed from my account XX/XX/XXXX ( XXXX ) was removed from my account XX/XX/XXXX ( XXXX ) was removed from my account XX/XX/XXXX ( {$96.00} ) was removed XX/XX/XXXX ( {$23.00} ) was removed XX/XX/XXXX ( {$51.00} ) was removed XX/XX/XXXX ( {$150.00} ) was removed from my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: CA

Complaint narrative:
I kindly request that you update and validate the items I previously mentioned, as they are still incorrectly reported on my account. I have already provided all the necessary details for 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 2025-03-12 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 not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: AL

Complaint narrative:
I am formally disputing the repossession listed on my credit report as it violates provisions of the Fair Credit Reporting Act ( FCRA ). Under 15 U.S. Code 1681i, any inaccurate or unverifiable information must be removed. Under 15 U.S. Code 1681s-2, creditors are required to report information accurately. Any incorrect balance, date, or status renders this repossession illegitimate. Per 15 U.S. Code 1681i ( a ) ( 1 ), you are required to investigate and verify this information within 30 days. If you fail to do so, the repossession must be removed from my credit report. I expect written confirmation of the results of your investigation within the required timeframe. 

XXXX XXXX XXXX, Account number : XXXXXXXX XXXX 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 2025-03-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: IN

Complaint narrative:
I submitted an Income-Driven Repayment ( IDR ) application in XX/XX/XXXX while my loan was serviced by XXXX. Shortly after submitting my application, my loan servicing was transferred to MOHELA, and since then, my XXXX application has remained in pending status for over a year with no resolution. 

Starting in late XXXX and continuing into XXXX, I attempted to contact MOHELA multiple times to confirm the status of my IDR application and to ensure my account would not be negatively impacted while the application was being reviewed. I also submitted a written request for administrative forbearance via MOHELAs official email ( XXXX ), but received no response. 

Each time I called MOHELA, their automated phone system stated that borrowers with pending XXXX applications would be automatically placed in forbearance and no action was required. Based on that official message, I understood that my account would be protected while my IDR was being processed. 

However, despite following all instructions and acting in good faith, I began receiving delinquency notices from MOHELA. As of XX/XX/XXXX, I have received notices stating I am over 60 days delinquent, with a past due amount of {$210.00} and a future payment due of {$560.00} on XX/XX/XXXX. 

In addition to MOHELAs notices, I also received an email from XXXX in XX/XX/XXXX stating that my account is past due and warning me that I am at risk of being reported to credit bureaus, loan default, wage garnishment, and tax refund seizure. 

MOHELA has not placed my loan in forbearance, despite my written request and their automated promises. I have also been unable to resolve this issue via phone due to excessive wait times exceeding 5 hours on multiple occasions. 

To summarize : I submitted my IDR application in XX/XX/XXXX and it remains unprocessed. 
MOHELA refused to respond to my written forbearance request and has failed to process my application in a timely manner. 
MOHELAs automated system misled me into believing I was in forbearance, and now they are wrongly marking me delinquent. 
I am at risk of serious financial harm and credit damage due to MOHELAs failure to follow proper procedures. 

I am urgently requesting intervention to stop the delinquency process, prevent credit reporting and default, and ensure that my IDR application is processed correctly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: NJ

Complaint narrative:
I am disputing the inaccurate accounts appearing on my credit report, as they do not reflect correct or verified information. Under 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act, consumer reporting agencies are required to maintain the maximum possible accuracy in all reported data. The presence of these incorrect accounts violates my rights as a consumer and must be addressed without delay. The continued reporting of any unverified, inaccurate, or unauthorized accounts constitutes willful non-compliance under 15 U.S.C. 1681n, which holds the responsible parties liable for {$1000.00} per occurrence. As I am exercising my rights under 15 U.S.C. 1681b, I demand an immediate investigation into the disputed accounts and require their removal if they can not be fully verified. I expect all inaccurate, unauthorized, or unverified accounts to be permanently deleted from my credit file, and I require written confirmation once these corrections have been made. Failure to comply with this request will leave me no choice but to escalate this matter further through legal and regulatory channels.

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 2025-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: FL

Complaint narrative:
I am writing to formally address an issue regarding fraudulent activity on my Discover credit card, which ultimately resulted in the closure of my account. Upon reviewing my statement, I identified unauthorized transactions that I did not make. In an effort to dispute these charges, I attempted to contact Discovers customer service multiple times ; however, no representatives were available to assist me. Due to this lack of response, I was unable to formally dispute the fraudulent activity, leading to further complications with my account. As a result, my account was closed without my ability to resolve the matter properly. I request immediate attention to this issue, including a thorough review of the fraudulent charges and an opportunity to dispute them appropriately. Please provide a resolution at your earliest convenience, as this situation has caused unnecessary financial and personal inconvenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Chime Financial Inc
State: WA

Complaint narrative:
I was charged for a service I wanted to cancel it was not what I had expected. I ask my bank to dispute the transaction, but the XXXX charge for {$77.00} was not dismissed. 

Also, I asked the bank to give me the name of the company that charged me and they refused to tell me, so it was hard for me to recall the transaction and so the bank said they had to cancel my debit card and send me a new one. This really caused a lot of stress for me, as I had to contact all my autopay bills to change the debit card information. 

I do not think it is right for my bank to not tell me what companies are charging me or just telling me it was a " XXXX '' charge. It seems like the bank is taking the side of the business instead of the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: GA

Complaint narrative:
XXXX failed to provide the required documentation under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), specifically violating 15 U.S.C. 1692d, which prohibits harassment or abuse, and 15 U.S.C. 1692e, which prohibits false or misleading representations. Additionally, they failed to comply with FCRA provisions requiring accurate reporting and proper validation. As these laws mandate that such documentation must be provided within the specified timeframe, I am formally requesting the immediate removal of this account from all records and my credit report.

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 2025-03-11 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: GA

Complaint narrative:
XXXX failed to provide the required documentation under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), specifically violating 15 U.S.C. 1692d, which prohibits harassment or abuse, and 15 U.S.C. 1692e, which prohibits false or misleading representations. Additionally, they failed to comply with FCRA provisions requiring accurate reporting and proper validation. As these laws mandate that such documentation must be provided within the specified timeframe, I am formally requesting the immediate removal of this account from all records and my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I XXXX XXXX, am a victim of Identity theft, request removal and deletion of the listed fraudulent accounts on my credit report. XXXX XXXX XXXX XXXX XXXX US DEPT EDXXXX 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 CAPITAL, CAPITAL ONE BANK USA , CAPITAL ONE BANK USA , CAPITAL ONE BANK USA, 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 explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nationwide Credit Corporation
State: VA

Complaint narrative:
I received a forwarded mail from an unknown address claiming that I owe money to XXXX XXXX Virginia. The notice included my correct name but listed an incorrect address. Due to this discrepancy, I am unsure whether this notice was actually intended for me. 
I have lived at my current address for the past two calendar years, but the notice references a different address. In XX/XX/year>, I called XXXX XXXX and provided my correct address. However, it seems that the mistake persists, and I am still unsure whether the debt collection notice was actually meant for me. 
To clarify the situation, I sent an email to XXXX to request further details and confirmation regarding the debt collection. I am currently waiting for their response. The debt collection company appears to be XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: TN

Complaint narrative:
I am a victim of XXXX, and the information listed below on my credit report is a result of that trafficking : Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$630.00} Account Name : XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$700.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$24000.00} Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3200.00} Account Name : XXXXXXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00} INQUIRIES : XXXXXXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX DEPT OF ED on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DEPT OF ED on XX/XX/XXXX XXXX  on XX/XX/XXXX In accordance with section 605C of the Fair Credit Reporting Act, I request that this information be blocked from my credit report within four business days. Please notify me of the actions taken in response to this 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 2025-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Lvnv Funding LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear sir/madam I am writing in response to your recent correspondence regarding the debt that You claim I owe. I am requesting that you provide me with validation of this debt, As required under the fair Debt Collection Practices Act. 
Specifically, I am requesting that you provide me with the following information : 1. The amount of the debt that you claim I owe.

2. The name of the original creditor to whom the debt was owed.

3. The date on which the debt was incurred.

4. Proof that you are authorized to collect this debt.

I would also like to request that you provide me with copies of any documentation Related to this debt, including but not limited to account statements, billing statements, and any contract or agreements related to the debt. 
Please note that I am not acknowledging that I owe this debt. I am simply Requesting that you provide me with verification of the debt, as required by law. 
I would appreciate your prompt response to this request. Please note that If you are unable to provide me with the requested information, I will consider the debt To be invalid and will take appropriate action to protect my rights as a consumer Sincerely XXXX XXXX

Company response to consumer: Closed with explanation