vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-28 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:
I have not supplied proof under the doctrine of estoppel by silence, 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 non-monetary relief
Consumer complaint received 2025-03-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Synergetic Communication Inc
State: GA

Complaint narrative:
My information has been involved in data breach through XXXX and XXXX. The debt also shows up on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: LEXISNEXIS
State: CO

Complaint narrative:
Yesterday and about XXXX months ago I got a letter from lexisNexis informing me that they had received negative information on my credit record. They then make it IMPOSSIBLE to get this information!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXXXXXX Equifax Experian Transunion Subject : Dispute and Demand for Compliance Violation of 15 U.S.C. 1681 ( o ) ( Civil Liability for Negligence ) I am writing to formally dispute and bring to your attention a violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681 ( o ), regarding your negligence and non-compliance in handling my credit information.

Upon reviewing my credit report, I have identified inaccuracies and errors that have negatively impacted my creditworthiness due to your failure to comply with the required procedures under the FCRA. Despite my previous attempts to resolve this matter, you have failed to take reasonable steps to ensure the accuracy and fairness of my credit report, which constitutes negligence under federal law.

The specific violations include, but are not limited to : Failure to conduct a reasonable investigation upon my dispute, as required under 15 U.S.C. 1681i.

Failure to ensure the maximum possible accuracy of information as required under 15 U.S.C. 1681e ( b ).

Negligent inclusion of inaccurate or outdated information on my credit report, leading to financial harm and distress.

Failure to correct or delete inaccurate, incomplete, or unverifiable information as mandated by the FCRA.

As a result of these violations, I have suffered financial losses, credit denials, and emotional distress. Under 15 U.S.C. 1681 ( o ), you are civilly liable for damages resulting from your negligent non-compliance.

I demand the following corrective actions immediately : A full investigation into the disputed inaccuracies.

The immediate correction or removal of erroneous information.

A written confirmation of the resolution of this dispute.

Compensation for the damages caused by your negligence, as permitted under 15 U.S.C. 1681 ( o ).

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 2025-03-28 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: TX

Complaint narrative:
My account with EXTRA was never late! I have had exceptional payment history witH capital one and 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 reported in to be removed. 

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. 

EXTRA 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! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: AZ

Complaint narrative:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$530.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$3000.00} XXXX XXXX XXXX - XX/XX/XXXX - {$1000.00} XXXX XXXX XXXX - XX/XX/XXXX - {$1000.00} XXXX XXXX  XXXX - XX/XX/XXXX - {$730.00} XXXX XXXX XXXX - XX/XX/XXXX - {$710.00} XXXX - XXXX - XX/XX/XXXX - {$2400.00} XXXX XXXX IN - XXXX - XX/XX/XXXX - {$1000.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$1000.00} XXXX XXXX XXXX - XX/XX/XXXX - {$800.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$800.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1000.00} XXXXXXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX {$630.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$1300.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$650.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$630.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1300.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$650.00} XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX {$1600.00} XXXXXXXX XXXX  - XXXX - XX/XX/XXXX - {$1000.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$730.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$710.00} XXXX XXXX  XXXX - XX/XX/XXXX - {$890.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$2600.00} XXXX - XXXX - XX/XX/XXXX - {$170.00} XXXX XXXX XXXX - XX/XX/XXXX - {$2400.00} XXXX  - XXXX - XX/XX/XXXX XXXX {$0.00} XXXX XXXX  XXXX - XX/XX/XXXX - {$810.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$300.00} INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The credit bureaus are working against me with my creditors to keep my credit scores low.

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 2025-03-28 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: FL

Complaint narrative:
The credit bureaus are working against me with my creditors to keep my credit scores low.

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 2025-03-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: NY

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$0.00} Chargeoff XXXX XXXXXXXX XXXX XXXX : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX OF XXXX **** Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - late/Closed XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/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 2025-03-28 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 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 2025-03-28 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:
I have not supplied proof under the doctrine of estoppel by silence, 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 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 2025-03-28 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: FL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with fraud alerts or security freezes — 
Company: Fay Servicing, LLC
State: PA

Complaint narrative:
I received a text by a person/persons claiming to be my mortgage company saying that my house is in foreclosure and would be auctioned. I am in good standing with my mortgage company and my home is NOT in foreclosure. 

" XXXX XXXX, As your property is under ACTIVE FORECLOSURE and will be auctioned soon. Date of auction is sent on your email. Call us immediately, if you intend to stop legal proceedings. 
Fay Servicing. 
( FORECLOSURE DEPARTMENT ) ( XXXX ) XXXX '' The originating phone number was XXXX. This was the second text I received this month along with harassing phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: PA

Complaint narrative:
To whom it may concern, I found a mistake on my credit report. I am writing to delete the following information in my file. According to 15 USC 1681e ( b ), this charge-off isnt reported correctly. Heres whats wrong : I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I need these accounts removed. Please fix this error. As well as the following inquiries below. Please delete the items as soon as possible. My name and only name is XXXX XXXX XXXX XXXX XX/XX/XXXX. My only phone number is ( XXXX ) XXXX and the only current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Thanks, XXXX XXXX Items in Need of Deletion : Collections/ Charge offs 1. Account name : XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$470.00} 2. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$420.00} 3. Account name : XXXX XXXX Account opened : XX/XX/XXXX Amount owed : {$710.00} Inquiries Account name : XXXX XXXX Account Opened : XX/XX/XXXX Account name : XXXX XXXX Account Opened : XX/XX/XXXX Account name : XXXX Sephhov Account Opened : XX/XX/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 non-monetary relief
Consumer complaint received 2025-03-28 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: WA

Complaint narrative:
This letter serves as my final attempt to resolve this matter before I initiate legal action against your agency for violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Despite numerous disputes and opportunities to correct the inaccuracies on my credit report, you have failed to comply.

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 2025-03-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
On XX/XX/year> I was at battery park in New York XXXX. I was sitting with a friend when a young boy approached me. He asked me if I would like to donate money to his basketball league. I said let me think about it in the mean time you can write the company name in my phone. I gave him my phone and in the seconds following his two friends came over. I asked him you almost done and he said yeah Im just putting it in its a long name. I was getting worried but I didnt want to sound like I was suspicious there was me and my friend versus 3 guys who can easily take us down. He gave me back my phone after a minute. They walked away. I opened my email and discovered that he had drained my entire cash app account in the amount of XXXX. He had added his debit card to my cash app account and just withdrew all of the money that was in my cash app. I contacted Cashapp repeatedly but all they told me was that the transaction seemed to be fine and no scam. I tried calling their representatives but they told me there was nothing they can do and I should try to file a claim again.I filed a police report documenting all of the details to try to catch these criminals.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Tromberg, Miller, Morris & Partners, PLLC
State: NY

Complaint narrative:
i dont hanve any contract with TROMBERT.MORRIS & PARTNERS PLLC OR XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: FL

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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 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 non-monetary relief
Consumer complaint received 2025-03-28 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: NV

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Opportunity Financial, LLC
State: NJ

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX  ( XXXX ) and its partner, XXXX, regarding a loan I took out on for {$1300.00}. The loans APR is 178.52 %, which is far above the legal limits set by both XXXX XXXX and federal law. Despite my efforts to repay this loan in good faith, the balance has not decreased as expected. After making {$710.00} in payments, my remaining balance is still {$1100.00}. The interest rate on the loan is far above what is allowed under XXXX XXXX law ( typically 30-36 % APR for personal loans ). According to the XXXX XXXX Usury Laws, this APR is illegal for a loan issued to a XXXX XXXX resident. Despite making consistent payments, the remaining balance has not decreased in line with the amount paid. I was told that the loan terms are legal because the lender operates under XXXX laws. However, I reside in XXXX XXXX, and the loan should comply with XXXX XXXX usury laws, which it does not. The balance remains high, and it appears that interest continues to accrue disproportionately to the amount Ive already paid. I am concerned about the impact on my credit and the ongoing accrual of interest despite timely payments.

Company response to consumer: Closed with explanation