vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-02 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: Williams & Fudge, Inc
State: FL

Complaint narrative:
Dear, Consumer Federal Protection Bureau I am writing to formally dispute a violation of my privacy rights under the Gramm-Leach-Bliley Act, specifically 15 USC 6802, concerning the confidentiality of my personal financial information. 

I believe that I have an account thats isnt mine. This action is unlawful and does not comply with the requirements set forth by the GLBA regarding the protection of consumers ' private financial information. 

As a consumer, I have the right to expect that my personal information will be safeguarded and not disclosed without my consent or proper justification. I request immediate clarification regarding your handling of my information and an explanation of the actions you have taken to rectify this issue. 

Please provide me with documentation that reflects your privacy policies and procedures, including how my information has been used or shared. I would appreciate an acknowledgment of this letter and a response within a reasonable timeframe. 

Thank you for your attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: NJ

Complaint narrative:
Equifax is obliterating my credit report ( dated XXXX XXXX, XXXX ) with three fraudulent closed accounts and one collection accountXXXX XXXXXXXX XXXX XXXXXXXX ( " Closed, {$170.00} past due as of XX/XX/XXXX, '' XXXX late payments ), XXXX ( " Closed, '' 7 late payments ), XXXX XXXX XXXX XXXX XXXX Closed, {$3400.00} past due as of XX/XX/XXXX, '' 48 potentially negative months ), and XXXX XXXX XXXX ( " Collection account, {$640.00} past due as of XX/XX/XXXX '' ). These derogatory marks are demolishing my FICO Score XXXX XXXX XXXX ) and my ability to rebuild credit, despite no open accounts or public records dragging me down. Equifax has a documented history of noncompliancefined by the CFPB in XXXX for deceptive practices and hit with a XXXX FTC fine for failing to protect consumer data. These accounts are unverifiable : XXXX XXXX XXXX XXXX lacks XXXX XXXX payment history ( Field XXXX, bytes XXXX ) to justify " {$170.00} past due '' ; XXXX 7 late payments are missing status codes ( Field XXXX, bytes XXXX ) ; XXXX XXXX XXXX  XXXX potentially negative months lack payment history ( Field XXXX, bytes XXXX ) ; and XXXXXXXX XXXX XXXX collection has no original delinquency date ( Field XXXX, bytes XXXX ) to verify its 7-year reporting limit ( 15 USC 1681c ). XXXX XXXX XXXX statute XXXX XXXX XXXX XXXX  may bar XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  if delinquent before XXXX XXXX XXXX XXXX. Equifax is violating FCRA ( 15 USC 1681i ) and Metro 2Ill sue under 15 USC 1681n and hit the furnishers ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( b ) if this isnt fixed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: PA

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 explanation
Consumer complaint received 2025-04-02 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: NJ

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I am a homeowner with a mortgage serviced by Shellpoint Mortgage. I am currently three months behind on my mortgage payments and have made multiple good-faith efforts to work with Shellpoint to bring the account current through a loan modification, deferment, or forbearance. 

Despite providing detailed documentation of my financial hardship, Shellpoint has refused to offer any meaningful assistance. My mortgage is currently at an 8.875 % interest rate, which is far above market and unaffordable given my situation. I have requested a rate reduction or modified payment terms, and Shellpoint outright denied it despite the fact that I am trying to avoid foreclosure and bankruptcy. 

I own and operate small businesses in the oil and gas trucking sector. Market volatility, delayed payments, and rising operational costs have created a temporary financial strain. I am actively working to stabilize my finances, but Shellpoints unwillingness to work with me has made recovery extremely difficult. 

This situation feels like predatory servicing, especially given the excessive interest rate and their refusal to cooperate even though I am making every effort to resolve the situation without losing my home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I book a hotel using the company XXXX XXXX and was charged {$49.00} from my Bank of America checking account on XX/XX/2025. I have tried to resolve this issue with the hotel that I booked into but left because of loud noise and drug smoke in the hotel. I also tried to resolve this issue with XXXX XXXX as well with no resolution.

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 monetary relief
Consumer complaint received 2025-04-02 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: MS

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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 discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: CA

Complaint narrative:
I recently discovered that my credit report contains accounts that I have no knowledge of. I did not open or authorize these accounts, yet they are being reported under my name. This is completely inaccurate, and I need an immediate explanation of how this happened. My credit history is being unfairly impacted, and this situation needs to be corrected immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
XX/XX/year> I called to AMEX and spoke to XXXX at XXXX XXXX that due to Delta services and XXXX XXXX information and services provided, after a long discussioni said I would like to close this account. My AMEX Delta card ending with XXXX for XXXX XXXX. He said No proble what about remaining amount. I said please count count everything inc Interest until today and let me know. He calculated and said pay {$3700.00} and you are all paid of i full till today and no other payments. I asked him to take from my Personal chequing account ( Information is already there ) He processed the full payment and closed account and said to me to destroy the card. I asked three times if any charges please let me know today and thake from my account, he replied it is paid in full.. On XX/XX/year> I noticed the same account showing {$84.00} and I called and spoke to XXXX and he said this is accural after the XX/XX/year>. I mentioned him everything about XX/XX/year> and he open a case XXXX XXXXXXXX and said will call in 2 weeks. I calle d and spoke to XXXX on XX/XX/year> and she transfer me to XXXX XXXX XXXX ) supervisor who said he will escalate this issue. Today XX/XX/year> I called and spoke to XXXX and XXXX at XXXXXXXX XXXX and she said it is valid charges despite I explained everything about XX/XX/XXXX and XX/XX/XXXX i spoke to people, XXXXransfer to me to XXXX ( XXXX ) and XXXX said I have to pay this as She understand the person on XX/XX/year> made mistake and did not check everything or might not trained as per XXXX, I have to pay this {$84.00}. this seems NOT right and I should not be charged for their mistakes as well as despite asking three times for the final amount on XX/XX/year>. I need those charges to be removed I shoule be free of this amount. It is the mistake of AMEX representative. Thank you, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: Velocity Portfolio Group
State: NJ

Complaint narrative:
My credit card with XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX was started on XX/XX/XXXX. The account was closed on XX/XX/XXXX due to fraudulent charges on the account. Closing balance due was XXXX. CKS Prime Investments is a company Ive never signed contract with and is reporting my amount due for genesis indigo card as XXXX. Furthermore they have reported to all credit bureaus my open account date as XX/XX/XXXX this is false and damaging.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I recently discovered that my credit report contains accounts that I have no knowledge of. I did not open or authorize these accounts, yet they are being reported under my name. This is completely inaccurate, and I need an immediate explanation of how this happened. My credit history is being unfairly impacted, and this situation needs to be corrected immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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:
XXXX XXXX, XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Personal XXXX XXXX XXXX- Incorrect Personal XXXX XXXX XXXX  - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX - Incorrect Personal XXXX - Incorrect Personal XXXX M XXXX - Incorrect Personal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: TX

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 non-monetary relief
Consumer complaint received 2025-04-02 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 writing to formally dispute unauthorized and fraudulent information appearing on my credit report and to request an immediate investigation under the Fair Credit Reporting Act ( FCRA ). As a victim of identity theft and the XXXX breach, my personal information has been compromised, including 92 critical findings tied to my identity within the breach. This account and/or inquiries were made without my knowledge or consent. Under the FCRA ( 605B ), I request these items be blocked from my credit report. Additionally, under 15 U.S. Code 1681c-1 ( protection of personally identifiable information ) and 15 U.S. Code 1681e ( b ) ( accuracy of information in consumer reports ), you are required to ensure the accuracy and privacy of the

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: LA

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 generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-02 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: LA

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 generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : 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 2025-04-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: GLA Collection Company, Inc.
State: IN

Complaint narrative:
I was in an auto accident in 2021 and was taken to XXXX XXXX XXXX. I had both auto and health insurance at the time. The hospital sent in all of their bills and was paid in a timely matter. The ER Drs. and XXXX XXXX Drs. are contract Drs. and they never sent their bills in to the insurance company's.. I assumed everything was paid and taken care of. After more then XXXX years later I received a letter and phone calls started coming from XXXX collections. I explained to them that I had insurance and wasn't sure what had happened but would find out. I called my insurance company and after a lot of searching they said they had never received a bill from them. The insurance company called GLA with me on the line and explained to them that I did indeed have insurance and if they would give them the information they would process the bills and pay them. XXXX collections told the insurance company could NOT pay them and that it would be my responsibility. they tried several times to get the information so they could pay it. I bought a membership through XXXX to dispute it and after several months now there has been nothing done. I don't feel like these are my responsibility due to the fact that no bills were sent and after more the 3 years I was turned over to collections. Also the fact that my XXXX company had tried to pay them and was told they couldn't. I feel like I am at the end of my rope with this. Please contact me at XXXX or my cell is XXXX Thank you XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: FL

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 XXXX of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief