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 — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-28 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: MI

Complaint narrative:
I'm reaching out to you for help with my stolen identity. Could you please delete the specific item and make sure all other incorrect details are updated as soon as possible? Your prompt action would be greatly appreciated.

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: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
I have no recollection of this debt. This debt is not mine. Attempts to speak with credit bureaus have failed. After numerous disputes, I have not been given any information proving this debt.

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: CT

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

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 card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: MA

Complaint narrative:
I have been a loyal customer for US Bank cash plus credit card. I have always paid the statement balance and never once missed the due date. My score is not the best but it was above average. XXXX. I believe one mistake that I have done was that I was on autopay but i turned it off and then made a payment with the amount that I wish to pay however the system did not understand what I tried to do, although the autopay sign was off on my US Bank app, I still got charged twice. I did that because I was about to go to XXXX for a long trip and needed to make adjustments for that period. I then called and asked for one of the payments back by check. I remembered it was like XXXX XXXX Then US bank locked account saying it was fraud. That was the only reason that I could think of when it came to fraud. I called authentication to understand my issue and they told me because I used my someone elses card to pay. It was correct that I used my moms account at the time, I did not know it was an illegal thing to do. My mom owed me some money and so I thought itd be easier if she just paid that bill for me. I have done this in the past but never ran into any issues with other loans. They told me to reapply for the card. I did reapply. However got denied with no reasons specifically given by the company. They gave a list of 4 to 5 things that might be the reason for cancellation but none of those were applied to me. I called again to authentication department of US bank and they transferred me back and forth for at least 5 different people and at the end they were like they dont understand why either but they recommend me reapply and nothing they can help at this point. I got so mad but I told myself to be patient and so I did reapply one more time because all I want is to take my cash rewards back. They told me it would be applied in the next 2 cycle but no check can be mailed. It was at least XXXX XXXX However US bank once more time denied me. I have been told the system was automatically turned down my application because of bad history. I was so confused but because it was not a human who done it so of course I have no one for me to explain myself. So right now, although I like the benefits that US Bank have been given me, I do not wish to cause any trouble or wasting anyone time. I simply want my cash reward back. XXXX $ is big money for me. Please help! I do not record exactly how much the rewards was because I never once thought I would loose it. I also hate the fact that I am being treated like I have done illegal thing. Thanks.

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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

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: CA

Complaint narrative:
XXXX XXXX reported that I was 30 days late in XXXX of XXXX. I was not late in XXXX of XXXX. I have asked XXXX XXXX to remove this and I have asked all 3 Credit Bureaus to remove this late. I have provided everyone with the payment statement. XXXX reported me 30 days late 3 times. I was not 30 days late. I tried to handle this with XXXX and the 3 credit Bureaus. I have supplied the credit bureaus with payment receipts that show the date of the month that the payment was made. I have also attached the payment for XXXX XXXX and the XXXX payments for 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: SC

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
XXXX/MILESTO AND XXXX XXXX XXXX AND XXXX XXXX ALL DID HARD INQUIRIES ON MY CREDIT ON XXXX WITHOUT MY PERSONAL PERMISSION AND REPORTED IT ON XXXX AND IS RUINING MY CREDIT

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

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

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: CL Holdings LLC
State: WA

Complaint narrative:
I have no debts yet Jefferson collection systems keep contacting me via text message. XXXX outsourcing is in the website they provide. They dont show up on my credit report because I have no uncollected debts so this is harassment or it is fraud. I wont click any links or call them because I cant verify they are legit.

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 — Credit inquiries on your report that you don't recognize
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX XXXX, a finance company used by XXXX XXXX XXXX XXXX, is where the false report originated from in XXXX of 2024. I also contacted XXXX XXXX about the incorrect inquiry and they refused to remove it! I believe the A/C technician at my home " could have '' incorrectly made the hard check, but never was that asked for by me to take out a loan, certainly w/o knowing the rate... no need, I keep close track of my credit, which has no blemishes at all. I was approved, which should have been a red flag, but so tired of mistakes and poor service everywhere, and did not register at the time. This A/C company knows my creditworthiness, as I have paid them substantial money over the years, always on time like all others. 
I made a report to XXXX giving them the information ; a CS person on the phone at XXXX said it would be removed/corrected, but of course it was not. It is on my XXXX Report only. The other credit score companies do not have the hard inquiry recorded, which is correct. I did not apply for, nor did I receive credit from that finance company. It stays on your report for two years and lowers your report score. This error is unacceptable, and I'm the one affected negatively by it, no one else. 
Thank you. XXXX 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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I sent XXXX XXXX a request to Opt out and I also sent a Cease & Desist. Both of which I have the right to do.

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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I sent XXXX XXXX a request to Opt out and I also sent a Cease & Desist. Both of which I have the right to do.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I sent XXXX XXXX a request to Opt out and I also sent a Cease & Desist. Both of which I have the right to do.

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: HI

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 2025-03-28 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: HI

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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: GA

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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: AL

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 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 — Credit inquiries on your report that you don't recognize
Company: Global Lending Services LLC
State: TX

Complaint narrative:
credit hard inquiries were posted to my XXXX credit report and I did not give permission to run my credit report to GLOBAL LENDING SERVICE IN XXXX, XXXX XXXX HARD INQUIRED ON MY CREDIT REPORT AND I DID NOT GIVE PERISSION IN XXXX AND XXXX XXXX HARD INQUIRED IN MY CREDIT REPORT ON XXXX TO XXXX AND RUINED MY CREDIT NOW

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: SC

Complaint narrative:
I have ask for a Chain Of Custody. with no reply. They keep calling me while I'm working causing me harm with my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
XXXX Synchrony Bank Closed my account without notice or reaching out to me before they did with a solution or a problem i was aware of, i switched my personal bank accounts and was paying my bill in person and since my bill was not on auto pay they closed my account affecting my credit score in a negative way.

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 a victim of a data breach and identity theft please block and delete the account within 4 business days. Pursuant 15 1605b15 1681c-2

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: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX I sent a formal letter to chase in order to address a serious issue regarding the mismanagement of my mortgage escrow account, specifically the failure to pay my homeowners insurance premium despite your institution collecting escrow payments for this purpose. I gave them 15 days to provide adequate response which they have failed to do. This lapse resulted in my property being uninsured since XX/XX/XXXX, exposing me to significant financial and personal risk. Additionally, I have discovered that my escrow payment has been increased to cover a premium that was never actually paid, further compounding the financial harm caused by this negligence. Furthermore, my insurance provider has confirmed that my policy has been cancelled and can not be reinstated, leaving me with the burden of securing new coverage at higher costs while chase imposes a lender forced policy. 

We have experienced hurricanes and floods all near my house in the last two years with no insurance coverage and we were not even aware. Things like this should not happen. 

Here are some of the legal violations committed by chase : -Real Estate Settlement Procedures Act ( RESPA ) 12 U.S.C . 2605 ( g ) -Negligence and Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) Dodd-Frank Act, 12 U.S.C. 5531 : By increasing my escrow payments under false pretenses while failing to pay my homeowners insurance, your institution has engaged in deceptive practices. 
-Breach of Contract and Fiduciary Duty : My mortgage agreement explicitly requires you to ensure timely payment of escrowed expenses, including my homeowners insurance. Your failure to do so constitutes a breach of contract.

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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to dispute a hard inquiry on my credit report. I believe this inquiry is inaccurate.

Company response to consumer: Closed with non-monetary relief