vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
We had an insurance claim on our home. The insurance company has distributed multiple checks for the claim payment. We have had major delays EVERY time getting the check back from Mr Cooper, despite sending the required paperwork through the online portal. 

The most recent and last check was sent on XX/XX/XXXX and received on XX/XX/XXXX or XXXX. 
XXXX, 1st call, spoke to rep, asked if anything additional was needed. I pre emptively uploaded the new insurance adjusters worksheet, knowing the final amount of the claim had changed due to increased costs of the contractors work. I specifically asked if there was going to be another " final '' inspection. They said no, that they already ran a final inspection and gave it the 100 % complete inspection. Said that the payment would be processed within 7-10 days. they then changed the date since I had already signed the check and said they would have to send XXXX overnight after the 2 day processing ( time it took to get review the adjuster worksheet ). 
XXXXa week later, I call, no payment received. Spoke to rep who said that payment should be received from fedex overnight ( tuesday or Wednesday at latest ) and to call if I don't. I asked for a tracking #, she didn't have one. 
XXXX, no payment. I call and they tell me no payment check has been issued, will need an additional 5 business days to approve it. No reason given. 

XX/XX/XXXX Spoke with XXXX, she, for 1st time needed verification that it was ok to speak to me, XXXX XXXX ( mortgage under my wife 's name ). Never before has this been required making me think they were't following protocol on prior calls to protect the account. 
XXXX said that she would put in ANOTHER exception request to override the inspection request since there was a 100 % inspection completion. Literally the same conversation I had on XX/XX/XXXX ( 5 biz days to submit an inspection exception ) Throughout the process, each call has taken roughly 30-45 min each with multiple disconnects ( typically 1 disconnect per call, causing me to have to call back ) I requested that they request a virtual inspection ( 5 biz days for inspector to contact me ) as well as the exception request ( 5 biz days ) but she would expedite it and have a manager call me today ) I have all of these calls recorded as proof of what was said. This experience has been the same for EVERY one of the checks we've sent in, holding and delaying the payment to contractors by weeks, despite receipts of our documentation uploaded.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: AZ

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 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: CA

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 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: VA

Complaint narrative:
I am writing to report an identity theft issue and discrepancies on my credit report. I have recently discovered that my personal information has been compromised, leading to fraudulent activities on my credit accounts. I have taken steps to address these issues, including contacting the credit bureaus to dispute these inaccuracies and placing a fraud alert on my file. I seek your assistance in further investigating and resolving these matters. Please advise on the next steps to rectify. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$3800.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My account with EQUIFAX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Federal Court Settlement - XXXXXXXX XXXX ( XX/XX/XXXX ) Bureaus : Not updated regarding ID Theft/Fraud Freeze. 

XXXX Credit Freeze Removed and credit file update requested as of Court date XX/XX/XXXX. 


TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, XXXX XXXXXXXX North American Headquarters *CFPB Settlement Issue Experian XXXX XXXX XXXX. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  Reporting Bank : XXXXXXXX XXXX  - XX/XX/XXXX ( Fiduciary Theft ) Bank certified bank check lost upon deposit ( {$7600.00} XXXX XXXX XXXX XXXX XXXX XXXX Legal Department Complaint # XXXX XXXX XXXX XXXX XXXX , NC XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
This was a blood work laboratory that my doctor sent my bloodwork to. 
They could have billed XXXX and my supplemental health insurance, XXXX XXXX, that pays 100 % if it is a legitimate company. Instead they billed me directly when I had supplied all of the XXXX and supplement insurance information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: MO

Complaint narrative:
On XXXX XXXX XXXX, at approximately XXXXXXXX XXXX, I transferred {$1000.00} from my mothers XXXXXXXX XXXX  to my Robinhood account. My mother had authorized me to use this money for stock investments. However, the payment was pending and taking time to transfer to Robinhood. 

On XXXX XXXX XXXX, around XXXX XXXX, I received approximately {$900.00} from stock investments back from the money original {$1000.00} I borrowed from my Mother. Later that night, I attempted to transfer {$1000.00} back from my Robinhood account to my mothers XXXX XXXX XXXX, XXXX, and my joint bank account with XXXX XXXX XXXX 

To my surprise, they immediately restricted my account, believing I was attempting to scam them. I have been calling and emailing them for a day or two, but they have yet to respond. XXXXXXXX XXXX  has confirmed that they have successfully withdrawn the {$1000.00} from my mothers XXXXXXXX XXXX but they have not yet restored my account access.

I am unable to withdraw the {$1000.00} from my Robinhood account until my account is restored. They have not contacted me after sending them three to five emails and waiting in the call support for hours in hopes of receiving a call back.

I urgently need to access my account because I have a trade scheduled for next week. However, they have not provided me with any information regarding the status of the issue or the reason for my account restriction. The only thing that informs me about the situation is the app stating that they are investigating my account due to my suspicious behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Stillman, P.C. d.b.a. Stillman Law Office
State: NY

Complaint narrative:
I requested debt validation to Stillman Law Office ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ) last XX/XX/year>. They only respond on XX/XX/year> for the debt they claim I owe, I received a notice on XX/XX/year> from there company stating that I owe {$110000.00} on XXXX XXXX  account number XXXX. This is 30 days after the receipt of my letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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: MI

Complaint narrative:
Following a recent examination of my credit report, I discovered several inaccuracies, including the appearance of unauthorized accounts and erroneous information. These discrepancies have had a substantial detrimental effect on my creditworthiness and have significantly impaired my overall financial stability.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: WA

Complaint narrative:
On or around XXXX XXXX XXXX I sent certified dispute letters to all three credit bureaus ( copies attached ) challenging the following accounts as inaccurate and demanding proof of the debts : XXXX XXXX ( {$11000.00} ) XXXX XXXX XXXX ( XXXX, XXXX, {$620.00} ) XXXX XXXX XXXXXXXX XXXX {$470.00} ) XXXX XXXX XXXX XXXX ( {$0.00} ) To date, I have received no substantive response from any bureauno verification documents, no investigation results, and no corrections. The bureaus inaction has harmed my creditworthiness and denied me opportunities ( e.g., loans, housing ). 

Legal Violations : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Bureaus must complete investigations within 30 days.

15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : They must provide written results and documentation ( e.g., contracts ) upon request.

15 U.S.C. 1681e ( b ) : They must maintain reasonable procedures to ensure maximum accuracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from 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 2025-04-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells fargo put an anauthoruzed " stop payment '' on my HOA payment from XX/XX/XXXX. When I reached out to them to ask them why, they told me that because I put a stop payment on a XXXX XXXX  for the same amount in XXXX that they did this. They then said they sent me a notification, they did not, so then they changed the subject and asked why my XXXX didn't notify me sooner. I explained to them that a lack of payments to my XXXX could cause a foreclosure of my home and they still doubled down and said that my one time stop payment to XXXX XXXXXXXX years ago authorized this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: EQUIFAX, INC.
State: IL

Complaint narrative:
15 U.S.C 1681e ( b ) 15 U.S.C 1681i ( a ) ( 1 ) ( A ) I have asked for proof of investigation and a singed contract and I've yet to receive one.This account needs to be deleted as it continues to damage my credit. I have never had an account with XXXX XXXX XXXX have I signed a contract or accepted anything from this company. If this company or the Bureaus refuse to delete this account I will enforce my right to sue under all avenues. I have received the dispute results that your company has sent me, however, they have failed to make ANY corrections whatsoever NOTHING WAS CORRECTED XXXX, XXXX XXXXXXXX. So, Im just so freaking frustrated and ticked off and hurt right now. Because while I understand that it may not necessarily be your fault, the fact of the matter is that this agency is still reporting and selling inaccurate information about me even though there are credit reporting laws which are supposed to ensure they report only accurate credit information. Your agency has blatantly ignored my dispute and have responded to me with these accounts being updated or remaining. Nonetheless, I have found 0 updates and have contacted creditors who have confessed to having no record of a dispute about me from your agency. This makes me absolutely sick to my stomach as Im sure it would the same for you if you were in my shoes! Regardless of what, Im writing to let you know that Ive been advised by legal counsel that Im entitled to recover money damages because of this. Every last one of these accounts are reporting information which varies from bureau to bureau so that in and of itself proves that these accounts are reporting inaccurately AND ALSO for some of them - I'm not even sure what they are so by the provisions of 15 USC, section 168li of the Fair Credit Reporting Act, I demand a re-investigation and deletion of these accounts and if you or your agency refuses to do so, I demand the names and addresses of the Resident Agent or Corporate Officers of this agency who are going to accept the responsibility of your actions in this matter. Unless immediately notified otherwise, XXXX going to assume that 30 days constitutes more than enough Reasonable Time for the re-investigation and correction of my credit report. I'm entitled to validation of this account and not the E-Oscar verification that you're doing to make money from this account and your refusal to delete. I'm entitled to a contract which is something the courts will ask for when I take this case before this upon the refusal to delete this account which doesn't belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
15 U.S.C 1681e ( b ) 15 U.S.C 1681i ( a ) ( 1 ) ( A ) I have asked for proof of investigation and a singed contract and I've yet to receive one.This account needs to be deleted as it continues to damage my credit. I have never had an account with XXXX XXXX XXXX have I signed a contract or accepted anything from this company. If this company or the Bureaus refuse to delete this account I will enforce my right to sue under all avenues. I have received the dispute results that your company has sent me, however, they have failed to make ANY corrections whatsoever NOTHING WAS CORRECTED XXXX, XXXX XXXXXXXX. So, XXXX just so freaking frustrated and ticked off and hurt right now. Because while I understand that it XXXX not necessarily be your fault, the fact of the matter is that this agency is still reporting and selling inaccurate information about me even though there are credit reporting laws which are supposed to ensure they report only accurate credit information. Your agency has blatantly ignored my dispute and have responded to me with these accounts being updated or remaining. Nonetheless, I have found XXXX updates and have contacted creditors who have confessed to having no record of a dispute about me from your agency. This makes me absolutely sick to my stomach as Im sure it would the same for you if you were in my shoes! Regardless of what, Im writing to let you know that Ive been advised by legal counsel that Im entitled to recover money damages because of this. Every last one of these accounts are reporting information which varies from bureau to bureau so that in and of itself proves that these accounts are reporting inaccurately AND ALSO for some of them - I'm not even sure what they are so by the provisions of 15 USC, section 168li of the Fair Credit Reporting Act, I demand a re-investigation and deletion of these accounts and if you or your agency refuses to do so, I demand the names and addresses of the Resident Agent or Corporate Officers of this agency who are going to accept the responsibility of your actions in this matter. Unless immediately notified otherwise, XXXX going to assume that 30 days constitutes more than enough Reasonable Time for the re-investigation and correction of my credit report. I'm entitled to validation of this account and not the E-Oscar verification that you're doing to make money from this account and your refusal to delete. I'm entitled to a contract which is something the courts will ask for when I take this case before this upon the refusal to delete this account which doesn't belong 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