vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-14 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:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : Inaccurate Name : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$700.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$190.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$4300.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Balance : {$1900.00} Date Opened : XX/XX/XXXX Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap.

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 2025-05-14 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I signed up for the Bread XXXX XXXX ( XXXX XXXX XXXX  ) around XX/XX/XXXX and was approved. I signed up with the mail in offer which stated that meeting {$1000.00} spend on the card within 90 days of account activation would give {$200.00} in cash back. 

It took Bread XXXX until late XX/XX/XXXX to finally get the card to me despite being approved immediately. I called the number and an agent confirmed that my requirement date is 90 days from card activation so told me I had until XX/XX/XXXX to meet the spend requirement. This was the same timeframe and date subsequent calls there after confirmed was my requirement date. 

I made {$1100.00} in purchases with the latest transaction on XX/XX/XXXX, fully meeting all requirements of the offer. I then inquired about the rewards credit several times via phone call, on the dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX for sure. 

Each time I was told a different story about why I did not qualify with for the reward with the agents all initially claiming that I didn't meet spend but then relenting and saying it was a system error when I confirmed each transaction with them. But they all said there was nothing they could do. They told me to wait for XXXX full billing cycles from my requirement date ( until XX/XX/XXXX ) for the reward to hit the account, but it still has not. Yet in the latest call on XX/XX/XXXX the agent said that I am long past the deadline for any rewards and it should have been awarded months ago but that there is nothing they can do now. These examples of blatantly dishonest service and stalling tactics are unacceptable for any credit card company, and especially so for an XXXX card. 

I am including an XXXX file that shows every transaction made on the card and demonstrates that I meet the requirements of the offer ( over {$1000.00} in spend before XX/XX/XXXX ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-14 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 no contract nor knowledge of this so called creditor and want this fraudulent information removed or I will sue

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: NC

Complaint narrative:
I have no contract nor knowledge of this so called creditor and want this fraudulent information removed or I will sue

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 2025-05-14 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: NC

Complaint narrative:
I have no contract nor knowledge of this so called creditor and want this fraudulent information removed or I will sue

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 2025-05-14 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: GA

Complaint narrative:
A collection account from XXXX XXXX XXXX was reported to Equifax on behalf of XXXX XXXX. I was never notified about this alleged debt by either party before it appeared on my credit report. I received no final bill, no letter, no email, and no phone call giving me the opportunity to resolve the debt. I only learned of the account when I received a credit monitoring alert. My credit score dropped more than XXXX points as a result. 

I disputed the item with Equifax and explained that the issue was not whether the debt exists, but that it was reported without any prior written notice, in violation of my rights under the Fair Credit Reporting Act ( FCRA ). Equifax responded by stating that the account was verified, but did not address or investigate the legal issue I raised. I am requesting the account be removed unless the furnisher can provide proof that written notice of the debt was delivered to my valid mailing address before reporting it to any credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: LAKEVIEW LOAN SERVICING, LLC
State: GA

Complaint narrative:
XXXX. On XX/XX/year>, XXXX XXXX XXXX XXXX commenced a XXXX XXXX attesting to the separation of the debt obligation and the mortgage agreement constituting fraud committed by XXXX, of the note by XXXX XXXX to XXXX XXXXXXXX XXXX 
XXXX. Through Course Of Performance ( XXXX XXXX ) XXXX was XXXX as to the fraud created by the separation of the debt obligation and mortgage terms of Loan XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/year>, Notice of Mortgage Fraud XX/XX/year>, XXXX XXXX mailing XXXX XXXX, Second Notice of Fraud Affidavit of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of the note done by XXXX XXXX to XXXX XXXX XXXX included in XXXX XXXX XXXX. Due to fraud of the separation of the debt stream and the mortgage terms the mortgage contract between XXXX XXXX and XXXX XXXX XXXX and the entity, XXXX, is void. 
XXXX. Release of Mortgage was recorded with XXXX XXXX Deeds and records, Deed Book : XXXX XXXX : XXXX on XX/XX/year>, and there is no lawful attachment of the Loan XXXX XXXX XXXX  Trust to XXXX. 
XXXX. Release of XXXX was recorded with XXXX XXXX Deeds and records Deed Book : XXXX XXXX : XXXX on XX/XX/year> XXXX. The publication by XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX listed in the XXXX XXXX, to foreclose on my property dated XX/XX/XXXX, XXXX and XXXX, has been posted fraudulently as the property has been conveyed into the private. 
XXXX. XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX did not notify me or send a copy of the publication prior to running the publication in the XXXX XXXX. 
XXXX. My property has erroneously been listed for foreclosure on XXXX 


I asked XXXX / XXXX XXXX  to provide proof that they or XXXX XXXX owned my note... they could NOT provide me with the documentation I requested. The only provided me with the original note in the name of 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 explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NJ XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, D.C. XXXX Privacy Violation Complaint and Request for Investigation Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding Transworld System Inc and its handling of my nonpublic personal information. As part of my rights under the Gramm-Leach-Bliley Act ( GLBA ) ( 15 U.S.C. 6802 ( b ) ), I am requesting that my nonpublic personal information be kept confidential and not be shared with non-affiliated third parties without my explicit consent. 

I believe that Transworld System Inc has violated my privacy rights by either sharing my information with third parties inappropriately or failing to inform me of my right to opt out of such sharing. 

I would like the CFPB to investigate this matter and assist me in ensuring that my privacy rights are protected, as provided under the GLBA. Please confirm the receipt of my complaint and any actions taken regarding this issue. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXCOLLECTION ACCOUNT\n\nAMOUNT XXXXXXXX\n\nTHIS ACCOUNT IS REPORTING TO MY CREDIT INNACURATE I NEED THIS ACCOUNT REMOVED FROM MY ALL XXXX CREDIT BURUES, I AM ATTACHING PROOF OF PAYMENT AND EMAIL FROM CLERK OF COURT SHOWING THIS HAS BEEN PAID AND THERE IS NO BALANCE OWED... I NEED ACCOUNT ERASED FROM CREDIT'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXCOLLECTION ACCOUNT\n\nAMOUNT XXXXXXXX\n\nTHIS ACCOUNT IS REPORTING TO MY CREDIT INNACURATE I NEED THIS ACCOUNT REMOVED FROM MY ALL XXXX CREDIT BURUES, I AM ATTACHING PROOF OF PAYMENT AND EMAIL FROM CLERK OF COURT SHOWING THIS HAS BEEN PAID AND THERE IS NO BALANCE OWED... I NEED ACCOUNT ERASED FROM CREDIT'

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 2025-05-14 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: VA

Complaint narrative:
" I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights "

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: Exeter Finance, LLC.
State: MI

Complaint narrative:
I am a victim of identity theft in which the proper documents have been sent to this company and they wont erase the credit account from my credit report. I retained an attorney and have been trying to acquire a 1099c since the creditor is reporting this account as charged off. It has been months and still nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: IL

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-05-14 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: FL

Complaint narrative:
I recently reviewed my credit report and found inaccurate information that is negatively affecting my credit. I am writing to dispute the following item and ask that it be investigated and corrected or removed if it can not be verified.

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 2025-05-14 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: NC

Complaint narrative:
" I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights "

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 2025-05-14 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 am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
I am writing to formally dispute the assessment of " Renewal Membership Fees '' on my XXXX XXXX XXXX American Express XXXX. My XXXX XXXX, which is explicitly associated with my name and account number, clearly states there is no annual fee. 

Despite this, I was charged : {$250.00} in XX/XX/XXXX {$350.00} in XX/XX/XXXX These charges clearly function as annual fees and directly contradict the terms outlined in the contract on file. 

I spent a considerable amount of time in an online chat with American Express customer service requesting clarification. The representative abruptly ended the chat, and I have a saved transcript of that interaction. I also spoke with a phone representative who echoed the same response : that there is a {$350.00} annual fee, and provided me only with a generic card agreement, not the specific agreement tied to my account. 

I explained that my personal contract states there is no annual fee, yet I was denied the ability to file a dispute or receive a refund because the most recent charge was outside the XXXX dispute window. I was told I could submit a copy of my contract, but even if accepted, no refund would be issued due to timing. 

My Concerns : This appears to be a case of deceptive billing. 

Charging a fee not outlined in the signed agreement constitutes an unfair business practice. 

Denying the ability to dispute a misrepresented fee due to internal time limitswhen the contract does not authorize the charge in the first placeis troubling. 

The refusal to honor a contractually binding agreement raises serious concerns about consumer protection and corporate transparency. 

I have a copy of my agreement, clearly showing there is no annual fee, and I am prepared to provide it upon request.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-14 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: IN

Complaint narrative:
They dont answer. When I put my info in to create an account it says not found. I can access my private loans but not the federal side. So I would have happily paid on time but it takes hours on hold and they hang up/disconnect due to high calls Im assuming? Ive tried numerous times to gain access and no help provided by XXXX. They also have not called me or emailed me with appropriate timely manner to pay. If I had access to the account I would pay it. They are mismanaging my federal financial aid and ruining my credit score. Their system is not accurate or reliable and many students are having identical issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: IN

Complaint narrative:
They dont answer. When I put my info in to create an account it says not found. I can access my private loans but not the federal side. So I would have happily paid on time but it takes hours on hold and they hang up/disconnect due to high calls Im assuming? Ive tried numerous times to gain access and no help provided by XXXX. They also have not called me or emailed me with appropriate timely manner to pay. If I had access to the account I would pay it. They are mismanaging my federal financial aid and ruining my credit score. Their system is not accurate or reliable and many students are having identical issues.

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 2025-05-14 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: IN

Complaint narrative:
They dont answer. When I put my info in to create an account it says not found. I can access my private loans but not the federal side. So I would have happily paid on time but it takes hours on hold and they hang up/disconnect due to high calls Im assuming? Ive tried numerous times to gain access and no help provided by XXXX. They also have not called me or emailed me with appropriate timely manner to pay. If I had access to the account I would pay it. They are mismanaging my federal financial aid and ruining my credit score. Their system is not accurate or reliable and many students are having identical issues.

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 2025-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Selene Holdings LLC
State: GA

Complaint narrative:
I sent Selene letters on the following dates. I requested that Selene prove that owed them as the note for mortgage was assigned to the XXXX XXXX XXXX XXXX. The assignment of mortgage doesn't mean anything if the note is not accompanying the deed. 
XXXX XXXX XXXX XXXX XXXX Request for documentation XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent 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 response to consumer: Closed with non-monetary relief