vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-07 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: TX

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: TX

Complaint narrative:
I am filing a complaint against the credit reporting agencies for continuing to report a {$920.00} medical collection account from XXXX XXXX  with a listed open date of XX/XX/year>, despite clear evidence that the debt is unverified and potentially unlawfully reported. Under the Fair Credit Reporting Act ( 15 U.S.C. XXXX and XXXX ( b ) ), credit bureaus have a legal obligation to ensure the maximum possible accuracy of the information they report and to reinvestigate disputed items. I have formally disputed this item, yet the tradeline remains on my credit report without any documented verification or correction. The debt is tied to a medical service, and XXXX a third-party debt collectorcannot legally validate or verify the debt without a HIPAA-compliant authorization , which I have never signed. If no such authorization exists, then any so-called verification by the bureaus is procedurally and legally flawed. Moreover, if the bureaus are relying solely on XXXX reporting without direct validation of the underlying medical debt, they are willfully violating FCRA requirements to investigate and confirm disputed information. I also believe the date opened has been manipulated or re-aged, violating FCRA XXXX ( a ) ( XXXX ), which prohibits the re-aging of debt to extend its reporting period. Finally, the CFPBs XX/XX/year> final rule establishes that medical debt is not predictive of creditworthiness and should not be reported at all. The continued inclusion of this invalid, unverified medical collection is damaging, deceptive, and unlawful. I request a full investigation into the credit bureaus handling of this tradeline and demand its permanent removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: OK

Complaint narrative:
Description of complaint : Since my loan moved to New Rez, my payments are not being correctly posted to my loan account. I have filed complaints many times and they will eventually fix it. Most recently, I mailed in a check on XX/XX/year>. This check was stamped by their bank and cleared my account on XX/XX/year> ; however, they showed the payment was not received. I called and they told me their mailing address is " having problems. '' Every month when I mail a payment, then I receive a letter telling me that I'm sending it to the wrong address, but IT IS THE SAME ADDRESS. When my XXXX payment was not posted, I started calling and filing complaints. On XX/XX/year>, it was finally posted. I don't know if have a late fee on my credit since the deadline was XX/XX/year>. For XXXX, I decided to pay through their phone system... BIG MISTAKE. This payment is still missing. I called today and they confirmed they received in on XXXX, but haven't applied it. This is normal for them. Every month, it's something new, they have no idea how manage loan payments. I don't know where to go from here. I would NEVER do a loan with this company. My loan was sold several times and ended up here. Every month, I mail in my check with a memo stating how to divide the payment. IT's NEVER completed as requested.

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 2025-05-07 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: Selene Holdings LLC
State: FL

Complaint narrative:
Our home was damaged by the XXXX  on XX/XX/year>. We applied to Selene for help and were given a forebearence agreement until XX/XX/year>. Due to an active bankruptcy, we applied for a modification or repayment plan in XX/XX/year>. Selene denied our eligibility but would not give us the calculations of the debt to income ratio or the XXXX  calculations with our denial. We appealed their decision on XX/XX/year> according to their letter. On XX/XX/year>, I spoke with a representative who informed me that the appeal was denied. They did not have any other information except that we would be receiving a letter via email about the denial of the appeal. Selene has violated Federal Mortgage Servicing regulations, RESPA, CFPB regulations, and good faith and fair dealing under Florida law. Selene has not include whether the investor guidelines for our loan prohibit modifications or require specific debt-to-income thresholds. They have not evaluated other repayment or forebearance plans despite our request for assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. 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 2025-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Huntington Debt Holding LLC
State: NC

Complaint narrative:
On XX/XX/year> I was contacted by XXXX XXXX XXXX about a debt of {$4000.00} owed for a car repair I had financed that was paid with original loan amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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:
I am a victim of identity theft, which has led to the reporting of unauthorized and inaccurate information by Equifax. My Social Security number and other private data were unlawfully used. These unauthorized accounts and inquiries have severely damaged my creditworthiness. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, I formally request the immediate blocking and permanent deletion of all information resulting from identity theft. Despite prior notifications, these agencies continue reporting unverifiable data. I do not consent to the placement of a fraud alert I demand complete deletion as required under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC XXXXi ( XXXX ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I just came across a credit inquiry from your company that I never authorized. Let me be absolutely clear : I did not give youor anyone acting on your behalfpermission to access my credit report, and I take this very seriously.

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 2025-05-07 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: FL

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 non-monetary relief
Consumer complaint received 2025-05-07 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: MS

Complaint narrative:
I have inaccurate information showing on my Equifax credit report. I was a victim of identity fraud. I sent them all my of information ( Drivers License, Social Security Card, Credit Report, and Police Report ) but they still would not delete the fraudulent inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: IN

Complaint narrative:
Cash App closed my account and terminated my " sponsorship '' of my two dependent ( XXXX  ) children 's XXXX  accounts without warning. I followed directions to appeal the decision, but was told I was " not eligible to appeal '' because I had violated their Terms of Service. I actually read the Terms of Service trying to determine what I or my children might have done wrong and could find no violation. When I asked, I was told that no further information could be provided. My children lost access to their funds for an extended period of time while we awaited the appeal decision ( because their funds could not be withdrawn through my linked account after the sponsorship was terminated, and they as minors can not link to an account of their own. ) We are in the process of trying to link them each to a new sponsor and withdraw my XXXX  ' funds. 

You'll note that the email to me provided a way to withdraw my funds, but offerred no recourse/process to help my children withdraw funds unless they could link to a new sponsor. When we reached out through my XXXX  accounts, CashApp would not communicate with me ( as my children 's parent and guardian ) to try to help them withdraw funds. 

This company can not be trusted. This unfortunately stinks of preying on and stealing from XXXX  who may have no recourse to reclaim lost funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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:
After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer SSN : XXXX, Consumer Date of Birth : XX/XX/year>, ChexSystems Consumer ID : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the ChexSystems Consumer Reporting Agency , block information appearing on my consumer report that is the result of identity theft and fraud within 4 days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a mobile check deposit that was flagged as suspicious by XXXX  XXXX XXXX. Account # XXXX. The account was closed. I've attached a copy of the consumer report maintained by you which shows the aforementioned fraudulent item. I do not recognize the aforementioned fraudulent activity as reported. The aforementioned fraudulent activity is the result of identity theft and fraud. I have attached a copy of a photo id card, ss card, and a bill as proof of my identity. i have attached a copy of FTC Identity Theft Criminal Complaint # XXXX and XXXX  Police Department Police Report # XXXX as proof from the US Federal Trade Commission and XXXX  police department that the aforementioned fraudulent activity is the result of identity theft and fraud.

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 2025-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: MO

Complaint narrative:
I was contacted through mail by AARGON collection agency. They are attempting to collect a debt in the amount of {$300.00} and claiming the original creditors is XXXX Missouri. I have not had an account with XXXX in over XXXX  years. They sound like scammers over the phone and I did not feel comfortable giving personal information to this agency.

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 2025-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
I am writing to dispute the accuracy of the information reported regarding the Portfolio Recovery Associates account, originally with XXXX XXXX, on my credit report. 

Account Information : Creditor : Portfolio Recovery Associates ( formerly XXXX  XXXX ) Balance : {$450.00} Date of Last Payment : XX/XX/XXXX ( as reported by Portfolio Recovery Associates ) Date of First Delinquency : XXXX ( as currently reported ) The account was originally opened in XXXX. Unfortunately, I lost my job, and due to financial difficulties, I was unable to continue making payments. The last payment on this account was made before XX/XX/XXXX, which aligns with the date the delinquency began. However, the reported Date of Last Payment of XX/XX/XXXX does not accurately reflect the timeline of my payments and appears to be tied to when Portfolio Recovery Associates acquired the debt or re-aged the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: GA

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE. SEE ATTACHED DOCUMENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: TX

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-05-07 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: TX

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: CA

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. 

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving 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 explanation