vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-21 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: MD

Complaint narrative:
Under FCRA 605B ( 15 USC 1681c-2 ), I am requesting the immediate blocking and removal of fraudulent accounts and inquiries from my credit report. These resulted from identity theft, the Equifax data breach, and fraud. I have attached my FTC Identity Theft Report as proof. These items must be removed within four ( 4 ) business days as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: NC

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 2025-03-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
They moved my mortgage with out telling me and now charging extra fee for something I did not ask for I also never authorized any mortgage transfer they failed to notify me and the bank took back money which I repaid now they want to charge me extra fee when it clearly there fault

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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 REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: MI

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and 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 reported to be removed/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. 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!

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 2025-03-21 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: MA

Complaint narrative:
" 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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BILL.COM, LLC
State: MT

Complaint narrative:
Bill.com ( invoicing software ) has been withholding my money for weeks. {$240.00}, for two invoices I created on their fraudulent, pathetic website were paid by my customer on XX/XX/XXXX. Bill.com has since been withholding those funds from me, despite acknowledging that I have a verified bank account and other verification documents all cleared with them. With the photo attached, the expected delivery date for the payment just keeps getting pushed back further and further. Most recently it said it would be paid XX/XX/XXXX ( I was silly to believe that ), now it says the XXXX which is of course not true since these snakes have XXXX intention to pay anyone what they owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
PayPal mischarged my transaction by {$1.00}, rather than adjust the charge they charged me for the correct amount on a separate transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-21 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 XXXX as proof from the US Federal Trade Commission that all of 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 2025-03-21 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: IL

Complaint narrative:
Please take action to remove the unauthorized accounts from my credit report as soon as possible. I did not initiate or authorize them and do not recognize their origins. As per USC 1681g, I am requesting their removal within 15 days. The necessary documents are attached for review. Furthermore, there are discrepancies in the account details, as different information is being reported to each bureau.

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 2025-03-22 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: FL

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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:
" 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 TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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
Consumer complaint received 2025-03-22 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: Exeter Finance, LLC.
State: TX

Complaint narrative:
I am writing to formally dispute and demand the immediate removal of unauthorized inquiries on my credit report. On XX/XX/scrub>/2025, my personal information was accessed and used without my knowledge or authorization. As a previous victim of identity theft, I have taken signicant precautions to prevent further fraudulent activity, including placing a fraud alert on my credit prole. 
Despite the fraud alert, which requires creditors to contact me and verify my identity before approving any credit inquiries, an unauthorized inquiry was made on my credit report. This constitutes a clear failure in protecting my credit prole and is wholly unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I am writing to formally dispute and demand the immediate removal of unauthorized inquiries on my credit report. On XX/XX/scrub>/2025, my personal information was accessed and used without my knowledge or authorization. As a previous victim of identity theft, I have taken signicant precautions to prevent further fraudulent activity, including placing a fraud alert on my credit prole. 
Despite the fraud alert, which requires creditors to contact me and verify my identity before approving any credit inquiries, an unauthorized inquiry was made on my credit report. This constitutes a clear failure in protecting my credit prole and is wholly unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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:
My personal information was exposed in a data breach. The accounts listed do not belong to me. 

XXXX XXXX XXXX XXXX, Bal- {$0.00}, opened : XX/XX/XXXX XXXX, Bal- {$0.00}, opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Bal- {$21000.00}, opened : XX/XX/XXXX ( Student loan late payment ) XXXX XXXX XXXX XXXX XXXXXXXX, Bal- {$21000.00} , opened : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Bal- {$0.00}, opened : XX/XX/XXXX XXXX XXXX, Bal- {$0.00}, opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Bal- {$0.00}, opened : XX/XX/XXXX XXXX XXXX XXXX XXXX, Bal- {$0.00}, opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Bal- {$3000.00}, opened : XX/XX/XXXX XXXX XXXX XXXX, Bal- {$1200.00}, opened : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Bal- {$590.00}, opened : XX/XX/XXXX XXXX XXXX XXXX XXXX, Bal- {$1200.00}, opened : XX/XX/XXXX XXXX XXXX XXXX XXXX, Bal- {$710.00}, opened XXXX XXXX XXXX, XXXX XXXX & XXXX, Bal- {$2400.00}, Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Bal- {$550.00}, opened : XX/XX/XXXX XXXX XXXX - XXXX, Bal- {$740.00}, Bal- {$740.00}, opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  - XXXX, Bal- {$1700.00}, opened : XX/XX/XXXX XXXX XXXX XXXX XXXX, Bal- {$0.00}, opened : XX/XX/XXXX XXXX XXXX XXXX XXXX, Bal- {$0.00}, opened : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Bal- {$1300.00}, opened : XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 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: AZ

Complaint narrative:
My personal information was exposed in a data breach. The accounts listed do not belong to me. 

XXXX XXXX XXXX XXXX, Bal- {$0.00}, opened : XX/XX/XXXX XXXX, Bal- {$0.00}, opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Bal- {$21000.00}, opened : XX/XX/XXXX ( Student loan late payment ) XXXX XXXX XXXX XXXX XXXXXXXX, Bal- {$21000.00} , opened : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Bal- {$0.00}, opened : XX/XX/XXXX XXXX XXXX, Bal- {$0.00}, opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Bal- {$0.00}, opened : XX/XX/XXXX XXXX XXXX XXXX XXXX, Bal- {$0.00}, opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Bal- {$3000.00}, opened : XX/XX/XXXX XXXX XXXX XXXX, Bal- {$1200.00}, opened : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Bal- {$590.00}, opened : XX/XX/XXXX XXXX XXXX XXXX XXXX, Bal- {$1200.00}, opened : XX/XX/XXXX XXXX XXXX XXXX XXXX, Bal- {$710.00}, opened XXXX XXXX XXXX, XXXX XXXX & XXXX, Bal- {$2400.00}, Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Bal- {$550.00}, opened : XX/XX/XXXX XXXX XXXX - XXXX, Bal- {$740.00}, Bal- {$740.00}, opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  - XXXX, Bal- {$1700.00}, opened : XX/XX/XXXX XXXX XXXX XXXX XXXX, Bal- {$0.00}, opened : XX/XX/XXXX XXXX XXXX XXXX XXXX, Bal- {$0.00}, opened : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Bal- {$1300.00}, opened : 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 2025-03-21 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
This letter is regarding the account listed above, which you claim is a collection that I have with your company. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area.

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only. and is not a statement, election, or waiver of status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
JPMorgan Chase Bank placed two separate hard inquiries on my XXXX credit report within a short period ( XX/XX/year> and XX/XX/year> ) related to credit card applications. I believe this may be duplicative or excessive as both occurred within one month. I am requesting that one of these inquiries be reviewed and removed if appropriate. 

I have also contacted Chase directly and submitted a dispute with XXXX.

Company response to consumer: Closed with explanation