vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-19 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: NJ

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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 shalli ) 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.

Please remove the following items from my credit report, immediately : EXPERIAN XXXX 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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 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 explanation
Consumer complaint received 2025-03-19 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: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing a complaint against XXXX  ( Account # XXXX ) and XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX ) for violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

I am disputing an alleged debt of {$6200.00}, which XXXX is attempting to collect. The name on the account is XXXX XXXX, while my name is XXXX XXXX. My date of birth is XX/XX/year>, and my cell phone number is XXXX. 

I have requested debt validation from XXXX, but have not received it. I have also contacted XXXX XXXX XXXX  and provided my identification via email, but they have refused to provide me with any documentation related to this debt, including the original lease agreement and an itemized breakdown of the charges. 

I believe this debt is inaccurate and potentially fraudulent. Both XXXX and XXXX XXXX XXXX  are refusing to provide me with the information necessary to verify this debt, despite my legal right to this information. 

I request that you investigate this matter and take appropriate action. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp.
State: GA

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
XXXX loan to small biz for Covid Relief for staff salaries and rent. They claim summary budget was not uploaded ..we have proof it was..they proceeded to take funds from our XXXX  Medicare and Children IN NEED patients via their medicare payments -- we still service these patients for FREE as to not to interupt their Mental Health servicing... We have called several times to no avail ; ad no one is available to correct - FRAUDULENT collection ageny assigned and has a number but they do not help -- this is wrong, fraudulent attempt to collect a debt and they owe our firm ALL the funds they have taken from us YTD.

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 2025-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I see appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing a complaint against Cash App XXXX Block , IncXXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( XXXX  ) and XXXX XXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( XXXX  ) and XXXX XXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Called the Company not able to reach at all. Filed a complaint with the XXXX XXXX XXXX  as well seeking assistance. The XXXX XXXX sent it to them. Complaint file # ID # : 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 2025-03-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Funding Metrics LLC
State: OR

Complaint narrative:
XXXX credit report. The report incorrectly states a " Write-Off '' status for a loan associated with XXXX XXXX XXXX . However, this information is incorrect, as the loan was paid in full. This product required me to pay back in the total of {$140000.00} and I paid back in the amount of {$140000.00}. 

XXXX XXXX is reporting the loan as a " Write-Off ''. On XX/XX/year>, a payment in the amount of {$2600.00} was made to off the {$140000.00}. This incorrect reporting is preventing me for securing a new loan to open a new business.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ONLINE Information Services, Inc.
State: IN

Complaint narrative:
My credit report is showing a debt from XXXX gas company in Indiana twice. Online Information Services sold the debt to XXXX XXXX and now the same debt is on my credit report twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
I need to file a complaint against Shellpoint loan services, I was given an unreasonable repayment plan to stay out of foreclosure, I cant pay of down payment. They want a down payment of XXXX I dont have this. I cant pay pay XXXX down and XXXX a month. Yesterday I called and spoke to a associate because my POC was not available and I explained to her the problem and she told me and I am quoting I have never ever seen a down payment that high and I have worked here a long time! Today I called and ask to speak to a supervisor and she said this is a compliance issue. I want a decent repayment plan. The supervisor is filling an internal compliance complaint on my behalf. The reason we got behind is my husband is XXXX XXXX  and is XXXX. He is in home XXXX XXXX But Shellpoint will not help me, they only want to foreclose on a XXXX XXXX retired Veteran. He is on XXXX  and cant be XXXX  and Shellpoint wants to put us in the streets and we have no where to go. I have the money just not XXXX I have XXXX and XXXX a month. But instead of taking what we have, Shellpoint wants to foreclose on our house. But from what I was told by supervisor this is a Compliance issue!!!!

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 2025-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MI

Complaint narrative:
Subject : Failure to Properly Notify Borrower of Mortgage Transfer, Unfair Loan Servicing Practices, and Consumer Protection Violations Company : Carrington Mortgage Services Complaint : I am filing this complaint regarding Carrington Mortgage Services failure to provide proper notification of my mortgage transfer, deceptive communication about loan servicing policies, and unfair loan servicing practices that have directly impacted my financial standing.

1. Failure to Notify Borrower of Mortgage Transfer and Auto-Pay Cancellation My mortgage was transferred from XXXX to Carrington Mortgage without proper notification. 
The only mention of auto-pay cancellation was buried in an email from XXXX with no clear call to action warning me that I needed to reauthorize my payments. 
Carrington Mortgage failed to provide timely, clear communication about auto-pay cancellation, resulting in my first past-due mortgage payment.

Potential Violation : 12 CFR 1024.33 ( b ) ( 1 ) Real Estate Settlement Procedures Act ( RESPA ) 2. Failure to Provide Adequate Response to Loss Mitigation Application I applied for mortgage assistance over the phone, and Carrington Mortgage informed me that the process would take 30 days.

Despite multiple follow-ups, I have received no confirmation of my application status, no timeline, and no written acknowledgment of receipt. 
Potential Violation : 12 CFR 1024.41 Mortgage Servicing Rules for Loss Mitigation Applications 3. Inconsistent and Deceptive Statements Regarding Customer Call Recording Policy Carrington Mortgage representatives provided conflicting information regarding whether customers can record calls.

A supervisor admitted there is no written policy, no consequences for recording, and that reps are merely told to say it and then move on. 
Potential Violation : UDAAP ( Unfair, Deceptive, or Abusive Acts or Practices ) under the Consumer Financial Protection Act ( CFPA ) 4. Failure to Provide Responsive Customer Service I was assigned a loan servicing representative in XXXX ( XXXX XXXX ), who has never responded to a single email or inquiry. 
When I raised concerns, I was told to just keep calling despite Carringtons failure to respond to my formal inquiries.

Potential Violation : 12 CFR 1024.35 Servicer Duty to Respond to Borrower Notices of Error and Requests for Information Resolution Requested : Immediate update on the status of my loss mitigation application.

Written assurance that my credit will not be negatively impacted while my application is pending. 
Removal of any late fees resulting from inadequate notification of my mortgage transfer. 
A formal response explaining Carringtons failure to properly notify borrowers and respond to inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of stoppel by silence, Engelhardt v. Gravens ( Mo ) XXXX XXXX XXXX, I may presume that no proof of alleged debt, nor therefore any such debt, in fact exits. 
According to FCRA Section 605B it is illegal to report information on my credit report without my permission thank you please remove this from my credit report now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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.

Complaint narrative:
To Whom It May Concern, I am writing to demand the IMMEDIATE removal of the following FRAUDULENT accounts that have been wrongfully reported on my credit file. I have never opened or authorized these accounts, and their presence is a direct violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. 

The fraudulent accounts in question are : XXXX Account number : XXXX Date opened : XX/XX/XXXX Balance : {$960.00} XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX Balance : {$3900.00} XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX Balance : {$5000.00} XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX Balance : {$1600.00} XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX Balance : {$3300.00} XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Balance : {$19000.00} XXXX XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXXXXXX  Balance : {$1900.00} I am attaching a copy of my police report, FTC Identity Theft Report , and valid identification to support my claim. I expect a FULL and PERMANENT deletion of these accounts from my credit report WITHOUT DELAY.

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 2025-03-19 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: MicroBilt / PRBC (formerly CL Verify)
State: OH

Complaint narrative:
It's been a daily breach information been illegally exposed and shared with the wrong XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: ID Analytics, Inc.
State: OH

Complaint narrative:
It's been a daily breach information been illegally exposed and shared with the wrong credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: TX

Complaint narrative:
I am disputing an inaccurate late payment reported by [ XXXX  XXXX ] to [ Equifax Information Services LLC ] on my [ Credit Card ] account [ XXXX ] for the date [ XX/XX/XXXXXXXX  ]. This reporting is incorrect and has negatively impacted my credit score. 
Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i & 1681s-2 ), credit bureaus and furnishers are required to ensure accuracy and conduct a reasonable investigation of disputed information. Despite my formal dispute, the inaccurate late payment remains on my credit report. 
Additionally, case law such as XXXX XXXX XXXX XXXXXXXX XXXX  ( XXXX ) and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ) ( XXXX ) confirms that furnishers must thoroughly investigate disputes and can not continue reporting misleading information. This failure violates the FCRA, TILA, and UDAAP regulations. I have made multiple attempts to resolve this matter, but no corrective action has been taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I recently discovered inaccuracies on my report that are unfairly affecting my scores and limiting my financial future. Its incredibly frustrating to deal with setbacks caused by incorrect 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