vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-13 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: WY

Complaint narrative:
I demand the removal of all fraudulent hard inquiries from my credit report within four days of receipt. I request that you manually process my FCRA 605B deletion request and immediately block all fraudulent inquiries, as required by law. Per FCRA 605B, no further validation from creditors is necessary once proper identity theft documentation has been provided. 

Unauthorized Inquiry, XXXX XXXX  Date of Inquiry, XX/XX/XXXX Unauthorized Inquiry XXXX XXXX XXXX XXXX XXXX XXXX, Date of Inquiry, XX/XX/XXXX Unauthorized Inquiry, XXXX XXXX XXXX. 
Date of Inquiry, XX/XX/XXXX Unauthorized Inquiry, XXXX XXXX, Date of Inquiry, XX/XX/XXXX Unauthorized Inquiry, XXXX XXXX, XXXX Date of Inquiry, XX/XX/XXXX Unauthorized Inquiry, XXXX XXXX Date of Inquiry, XX/XX/XXXX Unauthorized Inquiry, XXXX XXXX XXXX Date of Inquiry, XX/XX/XXXX Additionally, I request that you provide the specific reason for reporting these inquiries, in accordance with 15 U.S. Code 1681b - Permissible Purposes of Consumer Reports. I have attached a copy of FTC Identify Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned hard and unrecognized inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: OH

Complaint narrative:
I am filing this complaint against TransUnion for inaccurately reporting a collection account on my credit report. This account is not reported by XXXX or XXXX, yet TransUnion continues to list it despite my dispute. 

TransUnion has failed to conduct a reasonable investigation as required under the Fair Credit Reporting Act ( FCRA ). I have provided sufficient evidence demonstrating the inaccuracy, yet the information remains unchanged.

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 2025-03-13 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: FL

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 2025-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
Midland Credit Management ( MCM ) is attempting to collect a debt it does not own. I sent MCM a Cease and Desist letter and requested proof of debt ownership. Additionally, I stated that MCM does not have my permission to park the alleged debt on my credit report. After receiving the letter, MCM continued to call and harass me and parked the debt on my XXXX report. I have not received any postal mail since my Cease and Desist letter was received by MCM.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
Subject : Request to Cease Reporting Financial Information to Credit Bureaus Under Federal Law Dear Sir or Madam, ( AMERICAN EXPRESS CREDIT BUREAU & THE REPORTING CREDIT BUREAUS ) I am writing to formally request that American Express immediately cease reporting all financial information related to my American Express accounts to the credit bureaus and remove any such data from my credit report. This request is made in accordance with my rights under federal law, specifically 15 U.S. Code 6802 ( b ) of the Gramm-Leach-Bliley Act ( GLBA ), which grants consumers the right to opt out of nonpublic personal information being shared with third parties, except under certain conditions.

According to 15 U.S.C. 6802 ( b ) ( 1 ), financial institutions may not disclose nonpublic personal information to a nonaffiliated third party unless : The institution provides clear and conspicuous notice that such information may be disclosed.

The consumer is given the opportunity to opt out of such disclosure. 
The consumer is provided with an explanation of how to exercise that option. 
I am exercising my right under 15 U.S.C. 6802 ( b ) to opt out of any further disclosure of my financial information to nonaffiliated third parties, including credit reporting agencies. Additionally, under 15 U.S.C. 6802 ( c ), any third party that has received my information from American Express is also restricted from further sharing it, which includes credit bureaus.

Furthermore, under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), I have the right to dispute any information furnished to credit bureaus if I do not consent to its disclosure. Since I am expressly revoking my consent for American Express to report my financial data, any continued reporting would constitute a violation of federal law.

I kindly request that American Express and the credit bureaus promptly process this request in accordance with federal law. Failure to comply will leave me no choice but to pursue legal action to enforce my rights, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory agencies. 

Please provide a written confirmation of your compliance with my request within 30 days of receiving this letter. If you require any further information to process my request, kindly inform me in writing at the address provided above. I have attached a copy of the above referenced law in the file attached called, XXXX XXXX  ''. It is hope that you will honor my request as if you fail to do so then I will be forced to seek legal actions to preserve my rights based on the laws listed in this notice. I am still liable for all debts owed to American Express but I am exercising my rights to opt out of having my information shared with any third parties including the credit bureaus. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: TD BANK US HOLDING COMPANY
State: AZ

Complaint narrative:
I have 4 hard inquires on my credit i do not recognize. The first 3 are from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  then the last 1 is from XXXX XXXX XXXX XXXX XXXX None of them are connected to open accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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: CORELOGIC INC
State: AZ

Complaint narrative:
I have 4 hard inquires on my credit i do not recognize. The first 3 are from XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX then the last 1 is from XX/XX/year> - XXXX. None of them are connected to open accounts.

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 2025-03-13 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 XXXX XXXXXXXX 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 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
Discharged Bankruptcy Debts are wrongly being reported. Debts that were included in my XXXX XXXX Bankruptcy after discharge have not been removed from my credit reports. After a debt has been discharged in a bankruptcy, it should be removed from the consumers credit report. Failure to do so within a reasonable amount of time, can be a violation of the Fair Credit Reporting Act Law. The Federal Rule of Bankruptcy Procedure 9037 States the following : RESPONSIBILITY FOR REDACTION Federal Rule of Bankruptcy Procedure 9037 governs the privacy and security of information filed with the Court. With the exception of transcripts, redaction/removal of personal identifiers to limit access to the information filed with the Court is the responsibility of the person filing documents. 

Specifically, the filer must limit the information to the following : 1. Last four digits of the social-security number or taxpayer-identification number ; 2. Year of the individuals birth ; 3. Minors initials ; and 4. Last four digits of the financial account number, except the redaction requirement does not apply to the following : a. Financial-account number that identifies the property allegedly subject to forfeiture in a forfeiture proceeding ; b. The record of an administrative or agency proceeding unless filed with a proof of claim ; c. The official record of a state-court proceeding ; d. The record of a court or tribunal, if that record was not subject to the redaction requirement when originally filed ; e. A filing covered by subdivision ( c ) of this rule ; and f. A filing that is subject to 110 of the U.S. Bankruptcy Code.

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 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
Discharged Bankruptcy Debts are wrongly being reported. Debts that were included in my XXXX XXXX Bankruptcy after discharge have not been removed from my credit reports. After a debt has been discharged in a bankruptcy, it should be removed from the consumers credit report. Failure to do so within a reasonable amount of time, can be a violation of the Fair Credit Reporting Act Law. The Federal Rule of Bankruptcy Procedure 9037 States the following : RESPONSIBILITY FOR REDACTION Federal Rule of Bankruptcy Procedure 9037 governs the privacy and security of information filed with the Court. With the exception of transcripts, redaction/removal of personal identifiers to limit access to the information filed with the Court is the responsibility of the person filing documents. 

Specifically, the filer must limit the information to the following : 1. Last four digits of the social-security number or taxpayer-identification number ; 2. Year of the individuals birth ; 3. Minors initials ; and 4. Last four digits of the financial account number, except the redaction requirement does not apply to the following : a. Financial-account number that identifies the property allegedly subject to forfeiture in a forfeiture proceeding ; b. The record of an administrative or agency proceeding unless filed with a proof of claim ; c. The official record of a state-court proceeding ; d. The record of a court or tribunal, if that record was not subject to the redaction requirement when originally filed ; e. A filing covered by subdivision ( c ) of this rule ; and f. A filing that is subject to 110 of the U.S. Bankruptcy Code.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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 XXXX ( MO ) 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 explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( 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 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

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 2025-03-13 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: NM

Complaint narrative:
Im writing because Ive discovered an inquiry on my credit report from a company that I have never given permission to pull my credit. This is completely unauthorized, and Im honestly frustrated that something like this is showing up on my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
My account was never late! I have had exceptional payment history 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 to be updated.

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.

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!

Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
My account was never late! I have had exceptional payment history 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 to be updated.

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.

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!

Update the late payments from my consumer reports

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 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
My account was never late! I have had exceptional payment history 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 to be updated.

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.

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!

Update the late payments from my consumer reports

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 2025-03-13 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: NM

Complaint narrative:
Im writing because Ive discovered an inquiry on my credit report from a company that I have never given permission to pull my credit. This is completely unauthorized, and Im honestly frustrated that something like this is showing up on my account.

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 2025-03-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Bridge IT, Inc.
State: NY

Complaint narrative:
Brigit keeps withdrawing money out of my account. I have paid my advance of XXXX in Full for both XXXX and XXXX and it has been posted to my bank account, and I have received acknowledgment from XXXX that its posted and paid in full. 

Brigit keeps withdrawing money from my account after loan is paid off including smaller different amounts and even charging there monthly service fee of {$8.00} twice a month. I repeatedly asked Brigit to close my account and stop withdrawing money from my account but they have refused and still attempting to withdraw money even thought Ive paid them in Full.

Company response to consumer: Closed with explanation