vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-12 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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: SC

Complaint narrative:
In XXXX after paying my balances on my credit cards to below 30 % usage I got a congratulatory message on XXXX XXXX for improving my score and received better points from the other XXXX credit bureaus, but with Equifax I lost XXXX points! I called and they couldn't offer me no valid reason this would have happened or for a particular negative action I committed to substantiate such a drastic dip, I assumed because it was only with Equifax it had to be a clerical or computer error in their system. Ok a couple of weeks later after having my case escalated and complaining I got my points back, they've since been up and down to my own actions which all seems legit. Ok now yesterday I check and have now dropped XXXX points only with Equifax after paying off an item from my collections section! Like why is it every time I start getting my credit up and paying things off or up and are on a good roll this company takes the most ridiculous amount of points for absolutely nothing! That day it congratulated me for paying off the collection, and found a new account with XXXX  ( even though I've been in them a few years and only upgraded my service ) but ok I get a new account is you know a few points withing reason lost, and there wasn't an extra inquiry because I already had an open account with them so why in the world would I just lose XXXX points like that? That is absurd! I would appreciate if this company would stop doing this because I am trying to do a lot with bettering my credit so I can lower my insurance rates, get a new car, a new apartment, I can not have my account being checked and them seeing a XXXX some thing from XXXX particular credit bureau if that's the XXXX that happen to use for their check, that is unacceptable and unfair to me for this hard work and money I am paying and trying to put in to build my credit between the different tradelines I'm paying on or the monthly membership fees for credit building accounts!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Velocity Portfolio Group
State: CA

Complaint narrative:
failed to provide 1099c for chare off account CKS prime investment amount XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-03-12 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 have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bounce AI, Inc.
State: IL

Complaint narrative:
Bounce.AI unexpectedly contacted me, claiming that I owe money for a car dealership I have no knowledge of. When I requested validation of this alleged debt, they provided everything except legitimate XXXX  personal wet signature, no recordings, and no photo ID. I informed them that this is a case of identity theft, yet they continue to harass me with phone calls and letters, despite my request for them to cease contact regarding this fraudulent claim. The addresses in their correspondence are unfamiliar to me, as is the XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. I am demanding a thorough validation, not just a vague verification. If they can not provide concrete proof that I owe this debt, I want my information removed from their database immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: PA

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Looking upon my credit report I noticed some unauthorized inquiries on my credits report that I did not authorize! Ive called the companies and they have no information about such and told me to contact the credit bureau. I dont know what the technical term is however I never authorized for them to pull my credit. However the Experian website says to contact Experian!

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 2025-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Foris DAX, Inc.
State: IN

Complaint narrative:
Its been over a month trying to withdraw my investment money from XXXXand transferring to my account for many reasons I cant customer support life chat keeps saying : We apologize for the delay in processing your documents. We see increased interest in our services, and our team is doing their best to catch up. Once your application is processed, you will receive a notification in the app and via email. We will do our best to prioritize this. 
Tomorrow is going to be 7 days besides other chats and they wont even say anything else I text everyday to find out if Im able to get my money, but I cant I invested XXXX now I have XXXX and my situation is bad I need to have access to my money they requested information I emailed everything on time but they said just wait I just need add my account number to transfer the funds to my bank account when I trying keep showing an Error XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: NJ

Complaint narrative:
I recently reviewed a copy in my credit report and noticed this fraudulent account on my credit report. I disputed this fraudulent account on XX/XX/2025 on my credit report it was removed from my credit report XX/XX/2025 the company then placed it back on my credit report in XX/XX/2025 without giving me a warning of five business days to replace it back onto my credit report. Please remove this fraudulent account from my credit report is hurting my ability to obtain credit to purchase a home for my family. Thank you.

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 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
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 2025-03-12 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX. Account XXXX XXXX  XXXXXXXX XXXX Account XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX XXXXXXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

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 2025-03-12 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Im reaching out as Ive received an inaccurate number of bonus miles after opening a Delta Skymiles Platinum Amex card. I applied and was approved for the card on XX/XX/XXXX, after taking advantage of the promo oer featured on XXXX at the time. The oer was as follows : Sign up for the Delta Platinum Amex and receive XXXX bonus miles after spending {$4000.00} in the first 6 months. I was ecstatic to see such a high bonus oer as Ive had my eye on a Delta Amex for quite some time. I was originally planning to sign up for the Gold level card but seeing as though they were oering the XXXX for XXXX, I opted for that card. 

After receiving my card, I booked upcoming travel and made daily purchases until I had hit the minimum requirement for the bonus oer. However, I was disappointed to find that only XXXX bonus miles had been added to my XXXX account. I have now called American Express customer service over XXXX times in the last couple of months, and submitted supporting documentation, in an attempt to get this resolved, and am extremely frustrated that the Amex team is not rectifying this problem. The only thing I continue to get from Amex is that Our system shows it was XXXX when you signed up but that is simply NOT true. The sole reason I applied for the card at that time was due to the XXXX oer - usually the XXXX level oer is XXXX bonus miles so why would I possibly sign up for the higher annual fee Platinum card to receive the same number of bonus miles!? 

Ive attached a screenshot of the oer that was presented to me the day I applied and was approved. However, since I have not been able to find a resolve through my conversations with the Amex customer service representatives, I also did some research to find further evidence that my claim is accurate. I was approved and started using my Delta Platinum card on XX/XX/year>. If you look at the screenshots & links featured on the following slide, you will find articles from thepointsguy.com and travelandleisure.com that were published and dated on XX/XX/year>. 

These articles indicate that the current oer for the XXXX XXXX Amex card on that very date was XXXX bonus miles after a $ XXXX spend over 6 months ( oer ending XX/XX/XXXX ). Ive also provided documentation that this has happened to SEVERAL other Amex cardholders. I dont understand how a company can care so little about their own customers its incredibly bad business.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
All my accounts with synchrony Bank have all been paid every month on time I have no negative on my credit report

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 2025-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
XXXX XX/XX/year> - I got an email that my XXXX account has been blocked on XXXX different bank accounts, XXXX of them being Ally bank ( I deleted the email thinking its a scam ). 

XXXX XX/XX/year> - I try to login to my ally bank app and it says to call the bank as it has been temporarily blocked. 

XXXX XX/XX/year>- I call the bank and am transferred to the fraud department where they tell me someone has flagged my transaction as fraud and I get the name of the person I was sending and receiving the XXXX to/from. They further state that my account is under investigation and they have no other information. 

XXXX XXXX- I call the fraud department a few more times but get no other response and am told to wait till the investigation is complete. 

XXXX XX/XX/year>- Spoke to XXXX from the fraud department and she says there is no update from the investigation team and upon asking the reason for the investigation again, she states the same thing about my XXXX  transaction being flagged a fraud. 

XXXX XX/XX/year> - Called the fraud department to update that my wallet with my debit card was stolen on XXXX XX/XX/year> ( in my possession now as some guy found and mailed my wallet back on XXXX XX/XX/year> ), they casually stated that they will make a note of it.

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 2025-03-12 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 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 non-monetary relief
Consumer complaint received 2025-03-12 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: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
The Department of Education, who oversees student loans but is not my loan servicer, who is actuallly Aidvantage, is reporting false past due payment statuses on my credit report as well as sending me unsolicited and false notifications for past due balances that I have already resolved with Aidvantage, who is my student loan service service provider.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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 am a victim of identity theft my wallets & social security 's card was stolen there are some accounts that where open in my name due to identity theft. Also there are addresses, accounts, and bills opened in my name that are not mine. I never gave authorization for any use of my information.

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 2025-03-12 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:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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: GA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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: CO

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

US DEPARTMENT OF EDU ( Original Creditor : XXXXXXXX XXXX XXXX ) # XXXX XX/XX/XXXX -- {$30000.00} US DEPARTMENT OF EDU ( Original Creditor : XXXX XXXX XXXX ) # XXXX XX/XX/XXXX -- {$38000.00} XXXX # XXXX XX/XX/XXXX -- {$0.00}

Company response to consumer: Closed with explanation