vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: PLAZA HOME MORTGAGE, INC.
State: NJ

Complaint narrative:
A company claiming to be my mortgage company sent letters asking for payment. that company is XXXX XXXX XXXX  XXXX, my alleged primary lender is PLAZA HOME MORTGAGE INC. When asked to verify and/or validate their position and proper standing in regards to my loan and their demands for PAYMENT they did not respond with the proper documents. instead of validating their claim and proper standing as creditor they sent menacing, intimidating letters trying to bully me and threatening foreclosure. they have since filed a foreclosure claim against me which is currently active. After investigation i realized that fraud had and was currently and actively being perpetrated against me in real time! Since uncovering the overwhelming amount of fraud I want a investigation into this issue and seek remedy and expect to be treated fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: CA

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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 requested information on this debt and to possibly settle it because It was never verified and it is hurting my credit. However, they informed me that they longer have this account but are still reporting this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: FL

Complaint narrative:
On XX/XX/year> money was remitted to my bank account in XXXX with an expected delivery date of XX/XX/year> to date XX/XX/year> the money is not there and Western Union keeps telling me that my bank acknowledged receipt of the funds and the bank says they are not in receipt and asked me to tell WU to contact the bank. To date all WU is doing is giving me different dates of expected delivery. Today I was told I need to wait XXXX business days for a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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:
Equifax 's verifiable incorrect reporting has caused me to be denied for a mortgage and miss out on a once in a lifetime home opportunity. I have disputed the target account with Equifax over 7 times over the last 16 months and the CREDITOR THEMSELVES HAS CONFIRMED IN WRITING THEY ARE REPORTING INACCURATE INFORMATION. Still, they inexplicably refuse to correct their errors. I've added a letter from the XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX as well as her email saying the same. 
This leaves XXXX question that Equifax is knowingly and intentionally violating the FCRA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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:
I AM SO DEVASTATED CURRENTLY AND DEPRESSED. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: NC

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

Company 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 2025-03-20 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: NY

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 2025-03-20 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, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: VA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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: TX

Complaint narrative:
After reviewing my credit report the account below has not been updated and it is more than 60 days since I filed my dispute. The balance is wrong. By not correcting in a timely manner is against the law. Please update ASAP or I will take legal action. 

XXXX XXXX Reported : XXXX. XXXX, 2025 - {$6700.00} In good standing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to address the ongoing issue of your failure to properly process the Metro 2 dispute letters I, XXXX XXXX, have submitted regarding the wrongful collections and inaccurate information on my credit report. This is a violation of the Fair Credit Reporting Act ( FCRA ). 

As per FCRA Section 611, I request that you : Acknowledge the non-compliance with the FCRA and the improper dismissal of my Metro 2 dispute letters.

Immediately re-examine the disputed items on my credit report, removing any unverifiable or inaccurate information. 

Adhere to the Metro 2 format for processing disputes and ensure all letters are handled in accordance with industry standards.

Provide clear communication throughout the investigation, including updates on the status of my disputes and detailed explanations if any items are not corrected. 

Review internal processes to ensure future compliance with the FCRA, including staff training on proper dispute handling. 

Provide remediation for any harm caused by the inaccurate information on my credit report, including compensation if necessary. 

Allow independent monitoring of your practices to ensure future compliance. 

Ensure resolution within the legally required 30-day period and provide me with an updated credit report confirming the corrections.

Please resolve this matter promptly. Failure to comply with these requests may result in further legal action. 

Sincerely, 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 2025-03-20 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: TX

Complaint narrative:
I am writing to address the ongoing issue of your failure to properly process the Metro 2 dispute letters I, XXXX XXXX, have submitted regarding the wrongful collections and inaccurate information on my credit report. This is a violation of the Fair Credit Reporting Act ( FCRA ). 

As per FCRA Section 611, I request that you : Acknowledge the non-compliance with the FCRA and the improper dismissal of my Metro 2 dispute letters.

Immediately re-examine the disputed items on my credit report, removing any unverifiable or inaccurate information. 

Adhere to the Metro 2 format for processing disputes and ensure all letters are handled in accordance with industry standards.

Provide clear communication throughout the investigation, including updates on the status of my disputes and detailed explanations if any items are not corrected. 

Review internal processes to ensure future compliance with the FCRA, including staff training on proper dispute handling. 

Provide remediation for any harm caused by the inaccurate information on my credit report, including compensation if necessary. 

Allow independent monitoring of your practices to ensure future compliance. 

Ensure resolution within the legally required 30-day period and provide me with an updated credit report confirming the corrections.

Please resolve this matter promptly. Failure to comply with these requests may result in further legal action. 

Sincerely, 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 2025-03-20 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: SC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: GA

Complaint narrative:
I let them know a account was open without my knowledge and they also wont let open an account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Halsted Financial Services, LLC.
State: FL

Complaint narrative:
On XX/XX/year>, I received a text message from Halsted Financial stating the following : This text is from Halsted Financial, a debt collector regarding your XXXX XXXXXXXX XXXX XXXXXXXX ( for which the current creditor is XXXX XXXX XXXX ) account. Visit portal.halstedfinancial.com/XXXX XXXX XXXX XXXX Reply stop to opt-out or call XXXX. # of messages varies. Message & data rates XXXX apply. This is an attempt to collect a debt and any information obtained will be used for that purpose.. Reply STOP to opt out. 

I sent an email to XXXX XXXX, XXXX XXXX and XXXX XXXX, all of whom were listed as executives of Halsted which advised them that I received from their organization alleging that they were attempting to collect a debt owed to XXXX XXXX XXXX  XXXX. I advised them that they were in violation of the FDCPA by attempting to collect a debt via text without having sent any prior communication to validate the debt. Additionally, I advised them they were attempting to collect a debt from a person who has no affiliation with the financial institution that they were attempting to collect a debt for. Moreover, that they were also in violation of Florida laws under the FCCPA. I demanded a response by Friday, XX/XX/year>. 

XXXX XXXX responded to my email as follows : XXXX XXXX XXXX ; Thank you for your e-mail. We are in receipt of demand and will not be entertaining it. Additionally, please do not contact my clients directly when you know that they are represented by counsel. Thank you. Sincerely, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX I responded to XXXX XXXX advising him that I was an attorney, and that I was the person who received the text message. I further advised him that the debt collection company he was the XXXX XXXX for violated the law in its debt collection practices and that he could not stop me from contacting the company so just get ready for a slew of complaints against the company that was illegally attempting to collect a debt that does not exist. I advised him that I would continue to send emails and file complaints against the company. 

In his final email to me he claimed that I was harassing him by advising him that I was going to contact the Illinois XXXX XXXX regarding his licensing ; to which he stated that should I contact him or his clients again, he would file a complaint with the police. To which I responded that he should go ahead and contact the police as I would welcome their call. 
This company has violated the federal Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 and following ) and the Florida Consumer Collection Practices Act ( FCCPA ) and should be penalized for its unlawful attempt to collect unvalidated debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
I received notification from credit reporting agency cause it was put on my credit report. I got the print out I called the company and sent a fax and a certified letter and email I called them I ask for verification of debt I also ask for a copy of the identification that was used to open the account and they said they dont have to give me no information. I told them in letters that was sent that Im an identify theft victim. And to cease and desist letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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: MD

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND DEPRESSED. I recently discovered that I was listed as part of the XXXX data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-03-20 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: GA

Complaint narrative:
From XX/XX/XXXX - XX/XX/XXXX, multiple unauthorized transactions have been made. which totals an estimated $ XXXX {$420.00} When all of these transactions were being made I was out of the country and the card was not with me at the time of these transactions being made so I had no way of contacting the card company because I didn't have the card on me which is required when you call the company. Fast forward to XX/XX/XXXX When I got home from vacation I immediately went to check my card and saw it was all wiped clean. I called the company and let them know and they XXXX to fill in a dispute form online. I go on and do that, and they say it will take XXXX days. Fast forward to XX/XX/XXXX which is approximately 88 days and counting still no response from the card company. Every time I call they say you have an outstanding case open. Even though there are still 2 days left for them to fully complete this situation I highly doubting that they will get it done. 

I listed all the transaction dates that they have sent me. I'm not sure which one of these is from me and which ones arent since it's been more than a year since I've last used this card. But I know for sure I didn't spend more than $ XXXX {$35.00}. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  {$9.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$9.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX {$4.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX {$.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX {$2.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX {$.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX {$10.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  {$30.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  {$.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$19.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  {$31.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX {$64.00} XXXX XXXX* XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$49.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  {$4.00} XXXX XXXXXXXX XXXXXXXX RBX XXXX XX/XX/XXXX XXXX XXXX  {$19.00} XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX {$.00} XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  {$4.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX {$130.00} XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX {$.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX  XX/XX/scrub>/2024 XXXX XXXX XXXX  XX/XX/year>2024 XXXX  XXXX/XXXX/2024

Company response to consumer: Closed with explanation