vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-09 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: ID Analytics, Inc.
State: MI

Complaint narrative:
XXXX XXXX SageStream , LLC XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Request for Deletion of Negative Accounts from Credit Report To Whom It XXXX Concern, I am writing to formally request the removal of all negative accounts listed under my profile with SageStream. I recently reviewed the credit information maintained by your agency and noticed several items that I believe are inaccurate, outdated, or unverifiable. 
Under the Fair Credit Reporting Act ( XXXX ), credit reporting agencies are required to ensure the accuracy and completeness of the information they report. I hereby request that SageStream conduct an immediate investigation into the negative accounts currently reflected on my profile and either verify their accuracy or remove them entirely. 
Please provide written confirmation of the outcome of your investigation within XXXX  days, as required by federal law. If any accounts can not be verified or are found to be incorrect or outdated, I ask that they be deleted from my file immediately. 
Additionally, I request a free updated copy of my XXXX report after your investigation is complete, reflecting any changes made. 
If you require any additional information to initiate your investigation, please contact me at the information provided above. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have 3 collections on my report that I dont recognize

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 2025-04-09 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: TX

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 explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
I recently pulled my consumers credit report and noticed a few items I do not recognize nor did I authorize as they are inaccurate. The items are listed below CAINE & WEINER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX These items have resulted in hard inquiries and collections being filed to my consumers report and under the FCRA 605b ( 15 u.s.c code 1681c-2 ) law and I demand that you block any information being filed and or reported to my consumers report and to remove said items within 4 business days of receiving this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/year> Consumer Financial Protection Bureau XXXX XXXXXXXX XXXX XXXX XXXX XXXX RE : Complaint Regarding Charge-Off Reporting Continental Finance Company Credit Card Dear CFPB Representative XXXX I am writing to formally file a complaint against XXXX XXXX XXXX regarding the charge-off status reported on my credit card account ending in XXXX. 
The charge-off was reported without proper validation and is causing significant harm to my credit profile. I am requesting an investigation into this matter and respectfully urge your office to hold the institution accountable for any violations of the law. 
Details of the Issue : Creditor Name : XXXX XXXX XXXX Account Number ( last XXXX digits ) : XXXX Charge-Off XXXX Alleged Balance : {$510.00} I contacted Bank and requested documentation validating the debt as well as an itemized accounting of how the balance was determined. To date, they have not provided the information required under federal law. In addition, I believe the charge-off was reported inaccurately or without compliance with lawful procedures. 
Laws Violated or Potentially Violated : XXXX. Fair Credit Reporting Act ( FCRA ) XXXX XXXX Code XXXX Under the FCRA, furnishers of information to credit bureaus must report information that is accurate and complete. If a consumer disputes information, the furnisher is required to conduct a reasonable investigation and update or delete the data as appropriately. To my knowledge, XXXX XXXX XXXX  has not provided evidence to support the accuracy of this charge-off, despite my dispute. 
XXXX. Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX Code XXXX If XXXX XXXX XXXX  or a third party is acting as a debt collector, they are required to provide validation of the debt upon request within XXXX  days. I requested validation in writing, and they failed to provide a response. 
XXXX. FACTA Amendments to FCRA The FACTA amendments further mandate that consumers have the right to dispute incomplete or inaccurate information and require that furnishers and CRAs have procedures in place to ensure data integrity I request that the CFPB investigate this matter and request First XXXX Bank to validate or remove the charge-off. 
If they can not substantiate the debt or show proof of compliance with the FCRA and FDCPA, I ask that the charge-off and associated derogatory marks be removed from my credit report with all major credit bureaus. 
I also request confirmation that no further collections or negative reporting will occur related to this account. 
I have attached copies of my correspondence with XXXX XXXX XXXX  and copies of my credit report showing the charge-off. I am happy to provide any additional documents upon request. 
Thank you for your assistance in resolving this matter. I look forward to your response. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: NFM, INC
State: GA

Complaint narrative:
I applied to get approval of a loan on XX/XX/year> from XXXX ( home loans ) and see how much of a loan because I found a house on XX/XX/year> I was extremely interested in. I started the process days before I even looked at the house and it has been XXXX weeks or more now, The house I wanted to try and get is now pending so I dont even have a chance to get it, what is worse is that Im limited to good options due to what I know my budget for a loan would be. I also was referred to them due to a XXXX that was available at the time, that I also missed out on because they took so long. They still havent approved me of anything and now are ignoring me as of XX/XX/year>, it has been several days since i have got a response, sent XXXX emails, XXXX to respond to the last email and another ( XXXX business days later ) to ask why I havent got a response and if that persons boss could do something because this is ridiculous. I provided pay stubs last XXXX days, end of year pay stubs for XXXX years, XXXX for XXXX years, employer number and contacted them and they XXXX ran my credit. Shows a loss of XXXX points but then they said we couldnt get a XXXX XXXX for you to come through but could see everything else, accounts I have had and no balance due. If you ever looked for a house, finding XXXX that feels good to you is hard, on top of finding XXXX in your budget in this economy is even worse with mine being below XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX MI XXXX Date : XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX Washington, XXXX XXXX RE : Complaint Regarding Charge-Off Reporting XXXX  XXXX Credit Card Dear CFPB Representative, I am writing to formally file a complaint against XXXX  XXXX regarding the charge-off status reported on my credit card account ending in XXXX. 
The charge-off was reported without proper validation and is causing significant harm to my credit profile. I am requesting an investigation into this matter and respectfully urge your office to hold the institution accountable for any violations of the law. 
Details of the Issue : Creditor Name : XXXX  XXXX Account Number ( last XXXX digits ) : XXXX Charge-Off XXXX Alleged Balance : {$430.00} I contacted XXXX  XXXX and requested documentation validating the debt as well as an itemized accounting of how the balance was determined. To date, they have not provided the information required under federal law. In addition, I believe the charge-off was reported inaccurately or without compliance with lawful procedures. 
Laws Violated or Potentially Violated : XXXX. Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681s-2 Under the FCRA, XXXX of information to credit bureaus must report information that is accurate and complete. If a consumer disputes information, the furnisher is required to conduct a reasonable investigation and update or delete the data as appropriately. To my knowledge, XXXX XXXX has not provided evidence to support the accuracy of this charge-off, despite my dispute. 
XXXX. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692g If XXXX  XXXX or a third party is acting as a debt collector, they are required to provide validation of the debt upon request within 30 days. I requested validation in writing, and they failed to provide a response. 
XXXX. FACTA Amendments to FCRA The FACTA amendments further mandate that consumers have the right to dispute incomplete or inaccurate information and require that furnishers and CRAs have procedures in place to ensure data integrity I request that the CFPB investigate this matter and request XXXX  XXXX to validate or remove the charge-off. 
If they can not substantiate the debt or show proof of compliance with the FCRA and FDCPA, I ask that the charge-off and associated derogatory marks be removed from my credit report with all major credit bureaus. 
I also request confirmation that no further collections or negative reporting will occur related to this account. 
I have attached copies of my correspondence with XXXX XXXX and copies of my credit report showing the charge-off. I am happy to provide any additional documents upon request. 
Thank you for your assistance in resolving this matter. I look forward to your response. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I recently check my credit report and I noticed a collection agency by the name XXXX XXXX XXXX. I have no business with them ; neither do I know how and where they obtain my information. However, in the past I've been a victim of identity theft and my identity had been compromised since then. I called XXXX XXXX to verify what's going on ; and they told me that they can not find any information about me in their system. Instead, they tried to charge me before they retrieve my information. They wouldn't tell me the actual creditor and amount reported to Transunion and 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 2025-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capitol One Closed my account when my payment bounced which happened after someone hacked my XXXX account and made unauthorized purchases- causing my capitol one payment to get to get rejected. Unfair as it was out of my control- eventually I got my money back but too late for my payment to capital one. They did not care this happened to me and just closed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: LEXISNEXIS
State: NY

Complaint narrative:
Dear LexisNexis, I am writing to inquire about your data sharing practices with credit reporting agencies, specifically the three major bureaus : XXXX, XXXX, and XXXX. 

I understand that LexisNexis collects public record information on individuals. I am interested in knowing if this data is routinely shared with these credit bureaus. 

If you do share public record information with credit bureaus, could you please elaborate on the types of data that are typically included? 

Thank you for your time and clarification on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: LA

Complaint narrative:
On XX/XX/year> I contacted Cashapp because I saw some charges on my account that I didnt recognize and I filed a dispute for the charges. Later that evening, my daughter came home and I had told her about it and she didnt reminded me that it was her that made those charges and I had forgotten that she told me she was gon na be using my account that next morning, I called Cashapp I explained that to the person I talked to they assured me that they were gon na make sure that dispute was closed. That only thing I needed to do was verify my identity and I was gon na be good Case close everything was gon na be fine. I didnt get an email saying theyve closed my account for suspected fraudulent activity when I asked them for the evidence and the documentation to back that up they refused and said they could not help me no more like I told them had. I remembered my daughter had my card and made the charges I would not have called to dispute them, but when she reminded me of this, I made it a point to contact them to let them know that I had made a mistake. I called asked to talk to a supervisor about it on the phone they denied me that they said I had to contact one through email one through email keeps telling me that per their investigation they suspect fraudulent activity. I ask them for specific proof they denied it so they could not help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: DC

Complaint narrative:
I am filing a complaint regarding identity theft that has resulted in unauthorized accounts and credit inquiries appearing on my credit report. These actions violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 609, 604, 611, and 605A.

Section 609 of the FCRA requires that credit reporting agencies ensure the accuracy of the information in my credit report and make it available to me upon request. The fraudulent accounts that have been opened in my name are inaccurate, and the credit bureaus have not removed them after my disputes.

Section 604 of the FCRA states that credit reports may only be accessed with my consent or for certain permissible purposes. Unauthorized credit inquiries have been made by companies I do not recognize or have not authorized.

Section 611 of the FCRA mandates that credit reporting agencies investigate disputes in a timely manner ( within 30 days ) and correct any inaccuracies. Despite my attempts to dispute these fraudulent accounts and inquiries, they remain unresolved.

Section 605A of the FCRA allows consumers to place fraud alerts or credit freezes to prevent further unauthorized access to their credit reports. I have taken these actions, but the fraudulent information continues to persist. 
Despite my efforts to resolve this issue, these fraudulent items remain on my credit report and continue to harm my credit score and financial stability. I am seeking assistance from the CFPB to enforce my rights under the FCRA and ensure the credit reporting agencies comply with their legal obligations to correct these inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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 presume 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 2025-04-09 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: TX

Complaint narrative:
I had an account with XXXX  that was sent to collections. I Settled in XX/XX/year>, but XXXX XXXX XXXX XXXX XXXX- {$1100.00} ) still reported as active collection in XXXX. I have consistently requested that Experian, TransUnion and XXXX correct or delete inaccurate information, as required by the FCRA, because it is negatively affecting my creditworthiness. However, they have not been helpful at all.

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 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
PLEASE BLOCK AND REMOVE I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-04-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

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

"

Company 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 2025-04-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: MS

Complaint narrative:
TSI contacted without any reason of an account that isnt mines. I never opened a XXXX account as whoever use my id online

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 explanation
Consumer complaint received 2025-04-09 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: IL

Complaint narrative:
I am formally disputing the following negative items on my credit report : CURRENT ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXX, IL XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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