vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-19 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: MD

Complaint narrative:
The reported late payments are incorrect, incomplete, or unverifiable

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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: MD

Complaint narrative:
The reported late payments are incorrect, incomplete, or unverifiable

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 2025-02-19 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:
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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally dispute certain information that I believe is inaccurate on my credit report. I have reviewed my report from your agency, and I have identified the following information that is incorrect National credit system The date that is open is incorrect Im disputing this because the information is incorrect and need it removed immediately to purchase an home I have attached supporting documents to assist in the investigation Please conduct a thorough investigation and correct or remove the inaccurate information as soon as possible. Under the Fair Credit Reporting Act, I request that this dispute be resolved within 30 days and that I be informed of the outcome in writing If you need any further information from me to facilitate your investigation, please feel free to contact me. Thank you for your attention to this matter. I look forward to your prompt response

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 2025-02-19 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 DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-02-19 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: MS

Complaint narrative:
New Information is being submitted : Please send to the Credit Bureaus THIS NOT A DUPLICATE COMPLAINT XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX XXXX XX/XX/XXXX Attn : Equifax Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX XXXX From : XXXX XXXX Dear Equifax Dispute Center, I am writing to dispute fraudulent accounts and inquiries on my credit report. I have filed both an FTC Identity Theft Complaint and a CFPB Complaint regarding this matter. I request the immediate removal of the fraudulent information detailed below from my credit report. 


Address Dispute : XXXX : XXXX XXXX XXXX XXXX XXXX Georgia XXXX Current : XXXX XXXX XXXX XXXX Mississippi XXXX FTC Identity Theft : XXXX Fraudulent Accounts : XXXX. XXXX XXXX XXXXXXXX XX/XX/XXXX Account : XXXX Balance : {$0.00} XXXX. XXXX XXXX XXXX XXXXXX/XX/XXXX Account : XXXX XXXX : {$0.00} XXXX. XXXX XXXX XXXX XXXXXX/XX/XXXX Account : XXXX Balance : {$32000.00} XXXX. XXXX XXXX - XX/XX/XXXX Account : XXXX Balance : {$10000.00} XXXX. XXXX XXXX - XX/XX/XXXX Account : XXXX XXXX {$1200.00} Fraudulent Inquiries : The following inquiries were made without my consent. Someone used my personal information in an attempt to secure an auto loan. I request these inquiries be removed : Company : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Legal Basis for Removal : Under 15 U.S.C. 1681c-2, I am formally requesting the removal of the fraudulent accounts and inquiries, as I have been a victim of identity theft. This is my legal right to have inaccurate or unauthorized information blocked.

Thank you for your prompt attention to this matter. I look forward to the removal of these fraudulent accounts and inquiries from my credit report. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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/year> 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 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX 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 explanation
Consumer complaint received 2025-02-19 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: TX

Complaint narrative:
Subject : Complaint Against Experian Failure to Remove XXXX XXXX Account To Whom It May Concern, I am filing a formal complaint against Experian for failing to remove the XXXX XXXXXXXX account from my credit report in violation of 15 U.S.C XXXX 1681i ( a ) ( 6 ) ( B ) ( iii ). 

I previously disputed this account with Experian, and per the Fair Credit Reporting Act ( FCRA ), if the furnisher of information does not verify the accuracy of the disputed account within the required time frame, the credit reporting agency is obligated to delete the information. Since XXXX XXXX has not provided proper verification, Experian is in violation of federal law by continuing to report this account. The Name on the account is also incorrect. 

The details of the account in question are as follows : Creditor Name : XXXX XXXX. 
Account Number : XXXX Status : Charged-off, {$220.00} past due as of XX/XX/XXXX Balance : {$220.00} Original Balance : {$310.00} Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX I request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and require Experian to remove this account from my credit report as mandated by law. Additionally, I request written confirmation from Experian once the account has been deleted. 

Attached to this complaint are copies of my Experian credit report and any relevant dispute correspondence. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-02-19 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Optio Solutions, LLC
State: ID

Complaint narrative:
I am the co-signer for apartment # XXXX XXXX  at XXXX in XXXX XXXX for tenants XXXX XXXX and XXXX XXXX. They appropriately gave notice and vacated it around the first of XX/XX/XXXX. Their deposit was not returned. A month later, I received a vague bill for $ XXXX girls logged into the account and could not see an itemized bill. I called XXXX, but no one answered or returned my call after leaving a message. I then called XXXX XXXX central billing number from the email about the bill. I stated I wanted an itemized bill to understand what I was being charged for which I have the right to as a consumer. They told me they noted in my electronic file I would pay when the bill was received. I called several times as noted in my phone record which I will be receiving from XXXX within the week. Each time I called, I stated my willingness to pay if I received and itemized bill and the charges were reasonable. I never received it. 
Then XX/XX/XXXX of XXXX I received and email from XXXX collection service. I state the same request that I had told the company upon receiving and reviewing the reasonability of the itemized bill I would pay but not until then. I received it in less than a week and paid. 
However, now our credit scores have been lowered. I called XXXX and asked why. They said it was past 60 days in collections. I asked why I wasn't notified earlier. They said they called but are not allowed to leave messages. They don't send an email until after the 60 days. This to me is completely shady as statistics will show most people don't answer random phone numbers for fear of scams, and to wait after the 60 days when which collections report to credit bureaus before email sets consumers up for having negative impact on their credit scores. I believe the lack of responsible behavior by XXXX  and the shady practices of XXXX are affecting consumers with responsible bill paying history such as myself in a unjustified manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: TX

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. 
XXXX XXXX XXXX, ( Original Creditor. XXXX XXXX ) account # XXXX Date reported XX/XX/XXXX amount {$580.00}. XXXX XXXX account # XXXX date reported XX/XX/XXXX amount {$390.00}. XXXX XXXX XXXX XXXX account # XXXX date reported XX/XX/XXXX amount {$120.00}. XXXX XXXX account # XXXX date reported XX/XX/XXXX amount {$22000.00}. XXXX XXXX account # XXXX date reported XX/XX/XXXX amount {$420.00}. 

15 U.S.C. 1681 Section 602 A, states I have the right to privacy. 

15U.S.C. 1681 Section 604 A section 2, states a consumer reporting agency can not furnish an 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 and crimes which antedates the report by 7 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 response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: SELECT PORTFOLIO SERVICING, INC.
State: NE

Complaint narrative:
In XXXX of 2024 our mortgage was sold to Select Portfolio Serving. We had just begun the process for mortgage assistance before the sale of our mortgage. Working with SPS has been a nightmare. I asked what all they needed and sent the information to them through the mail. Then the calls started coming. They needed another copy of paystubs, bank statements, ss benefits, etc. These have been sent to them numerous times. There has always been an excuse as to why the needed another copy. I would scan the documents and send them through their app. It is now XX/XX/XXXX, we started this process on XX/XX/year>. In XXXX of XXXXwe received a letter stating that all paperwork is in order and we should have an answer for assistance in 30 days. I called today, and spoke with XXXX who told me that everything is in order and we should have an answer in 3 days. This company has given us the run around for almost a year. My husband fell ill and was forced to retire. Our income dropped {$3000.00} a month. We are struggling financially and need the help.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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:
after going over my credit report, I have discovered that I am victim of Identity theft due to fraudulent addresses, accounts, and inquiries that are reported to my Credit file. Pursuant to 15 US code 1681c-2 of the fair credit reporting act I am requesting immediate removal and for this account as well as the address to be blocked from my credit file immediately. under this law, the credit reporting agency is required to remove and block fraudulent information within four days upon receiving the proper documentation. 
Those accounts are : XXXX XXXX XXXX Account Number : XXXX Addresses : XXXX XXXX  XXXX XXXX. 
XXXX, Tx XXXX Attached are : Drivers License Identity Theft Report A Letter Requesting Blockage

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 2025-02-19 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:
after going over my credit report, I have discovered that I am victim of Identity theft due to fraudulent addresses, accounts, and inquiries that are reported to my Credit file. Pursuant to 15 US code 1681c-2 of the fair credit reporting act I am requesting immediate removal and for this account as well as the address to be blocked from my credit file immediately. under this law, the credit reporting agency is required to remove and block fraudulent information within four days upon receiving the proper documentation. 
Those accounts are : XXXX XXXX XXXX Account Number : XXXX Addresses : XXXX XXXX  XXXX XXXX. 
XXXX, Tx XXXX Attached are : Drivers License Identity Theft Report A Letter Requesting Blockage

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 2025-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: FinCo Services Inc DBA Current
State: NC

Complaint narrative:
I was notified on XX/XX/year> via email from Current that my new card had been mailed. I also got an email from XXXX alerting me a new card had been added. I emailed Current ( as there was no phone number ) about the situation stating this was fraud and I did not apply. It took a few days to get the account closed and confirmation via email. I contacted XXXX and XXXX to place a fraud alert. The Current Account did not appear on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: NY

Complaint narrative:
I was working XX/XX/XXXX the night shift at the XXXX XXXX located in XXXX XXXX XXXX  I clocked out at XXXX XX/XX/XXXX. XXXX transactions happened while I was shutting my bar down. XXXX transaction which I disputed got approved for XXXX $ from XXXX XXXX XXXX And XXXX. This transaction happened XX/XX/XXXX at XXXX. The next transaction I had to wait an extra day to dispute so it can go through. Sunday XX/XX/XXXX I disputed these XXXX charges which I spoke to a chime representative about on XX/XX/XXXX to try and dispute these charges as fast as possible. They said I had to wait for it to go through so I called the XXXX to dispute them. The XXXX charges are the following XXXX from XXXX XXXX XXXX XXXX for {$24.00} at XXXX on XX/XX/XXXX, the next XXXX are from the same location a few minutes apart XXXX transaction at XXXX XX/XX/XXXX from the XXXX XXXX XXXX for {$68.00}, and the last transaction also from the XXXX XXXX XXXX for {$83.00} at XXXX XX/XX/XXXX. I sent chime my time card and said that is not enough proof. I canceled and ordered a new card once I saw these transactions, and that is still not enough proof some how. I would really appreciate it if you can help me figure this out cause chime isnt helping. They spent the rest of my money in my account and dropped it to the negatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: NC

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. 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. 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. XXXX, TransUnion and XXXX are governed by USC 1681. They have violated my rights numerous times. I demand the inquires/accounts below be removed immediately :

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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

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

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

15 U.S. Code 1666b - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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 just recently received and reviewed my credit report and I found several inaccuracies. This is my statement that the listed accounts, inquiries and personal information that is on this FTC report and on the letter enclosed with it have been reported without my permission or written consent and therefore is a result of identity theft and must be removed. They are not related to any transactions made by me the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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: SC

Complaint narrative:
I just recently received and reviewed my credit report and I found several inaccuracies. This is my statement that the listed accounts, inquiries and personal information that is on this FTC report and on the letter enclosed with it have been reported without my permission or written consent and therefore is a result of identity theft and must be removed. They are not related to any transactions made by me the 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 non-monetary relief