vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-10 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:
XXXXXXXX XXXX decided to sell my loan without telling me in XX/XX/year> XXXXXXXX XXXX plotted to perform another escrow analysis on my mortgage of less than 6 months well-knowing they were selling my mortgage undenounced to me at the time. 
XXXXXXXX XXXX XXXX  as a result of their new unknown escrow analysis, increased my mortgage. 
XXXX XXXX never notified me of the mortgage increase. 
XXXXXXXX XXXX then sold my mortgage after notifying me of a late payment. 
*Upon receipt of the late payment notice, I contacted XXXXXXXX XXXX and they notified me on the phone of the mortgage increase due to their new escrow analysis and the sale of my mortgage and could not help me any longer, stating that they no longer owned the mortgage. 
XXXXXXXX XXXX sold the mortgage to XXXX XXXX XXXX in the interim of the sale, XXXXXXXX XXXX would not take my phone calls or letters nor was XXXX XXXX due to the new mortgage company account being setup with XXXX XXXX XXXX 
*The terms of my mortgage sale states that for 60 days I shall not be penalized nor any credit bureau reporting in a negative fashion. 
XXXXXXXX XXXX notified the credit bureaus of a late mortgage payment while in parallel not giving me notice of the same mortgage increase or proof of same. 
*I have no mail, email, written or otherwise any oral communication to me, with proof of service that XXXXXXXX XXXX increased my mortgage, while in parallel making my mortgage payments in full, plus adding an additional {$150.00} to my mortgage payment to my new loan servicer XXXX XXXX XXXX after the fact I discovered due to a late notice that my mortgage increased without notification prior. 
XXXXXXXX XXXX  charged me numerous late fees, interest and late charges plus notified the credit bureaus of a late payment, which was {$67.00} short, but not notified to me. 
XXXXXXXX XXXX shall be fined and reprimanded and further, XXXXXXXX XXXX should be made to correct the fraudulent credit bureau notice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: BMW Financial Services NA, LLC
State: GA

Complaint narrative:
Creditor : BMW Financial Services Reported Balance ( as of XX/XX/XXXX ) : {$17000.00} Highest Balance : {$41000.00} Account Opened Date : XX/XX/XXXX Loan Term : 74 months ( 6 years ) Payment History Reported as : Only 7 % of payments on time Creditor : XXXX XXXX  XXXX Reported Balance ( as of XX/XX/XXXX ) : {$16000.00} Highest Balance : {$34000.00} Account Opened Date : XX/XX/XXXX Loan Term : 72 months ( 6 years ) Payment History Reported as : Only 2 % of payments on time A police report has been filed multiple times regarding this accounts. However, the company continues to claim that they can not provide any proof or documentation. Instead, they repeatedly state that the accounts is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: GA

Complaint narrative:
Subject : Request for Credit Information Correction - Compliance with 15 U.S. Code 1666b and Other FCRA Provisions I am writing to you as the holder of account number [ XXXX ] for my credit card, to report an issue negatively impacting my credit report. This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ). 

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

I have identified that the statements for my credit card, have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score. 

Furthermore, I would like to refer to the Protection Against Non-Payment of Obligations Act ( PAANL ), which establishes that creditors must ensure timely delivery of statements to avoid unfair penalties to consumers. 

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Date of reported late payment : [ XX/XX/year> ] I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations. 

Thank you for your attention to this important matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXXXXXX  Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes. 
Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed. 
Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft.

Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRAs permissible purposes requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: LA

Complaint narrative:
After reviewing my credit report, I have discovered items that I do not recognize or applied for. Upon further investigation, I realized my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question. Pre section 15 USC 1681 C-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days. These fraudulent accounts are not only damaging my credit but also causing me significant stress and XXXX I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.

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 2025-03-09 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: EQUIFAX, INC.
State: LA

Complaint narrative:
After reviewing my credit report, I have discovered items that I do not recognize or applied for. Upon further investigation, I realized my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question. Pre section 15 USC 1681 C-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days. These fraudulent accounts are not only damaging my credit but also causing me significant stress and XXXX I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to dispute certain accounts on my credit report that contain misleading information and appear to be reported inaccurately, specifically these accounts are not in compliance with the requirements set by the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-03-10 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
These companies are reporting late payments on my credit reports for accounts that have been either closed or charged off. Despite my efforts to resolve this matter through direct communication with each of these institutions, they have failed to correct the reporting errors. 

Additionally, I have not received the required IRS Form 1099-C for any canceled debt associated with these accounts. The absence of this form has prevented me from properly addressing the matter on my tax filings. 

Due to their failure to rectify the situation, I have taken the step of reporting these institutions to the IRS for non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to dispute an item on my credit report that I believe to be inaccurate. The item in question is XXXX XXXX XXXX XXXX Upon reviewing my credit report, I was shocked to find this account listed as negative. However, after conducting thorough research, I discovered that this same account is not being reported as negative with other credit bureaus, such as XXXX and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: CO

Complaint narrative:
I have repeatedly requested proper validation for this debt under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). The company has failed to provide legitimate documentation proving the debt belongs to me. Instead, they continue sending a generic bill without supporting evidence. This violates 15 U.S. Code 1692g ( FDCPA ) and 15 U.S. Code 1681s-2 ( FCRA ). I request the removal of this account from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: TX

Complaint narrative:
I formally request an investigation into these unauthorized inquiries and ask that you provide documentation regarding their origin. Please include all pertinent details, such as the name of the entity responsible for the inquiry and any records or consent forms that demonstrate my authorization for these actions. 

Since these unrecognized inquiries may harm my credit score and financial stability, I urge you to address this matter without delay. Your prompt attention to this issue would be greatly appreciated. 

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 2025-03-10 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: NJ

Complaint narrative:
This is my second follow-up regarding the disputed accounts on my credit report, which remain unresolved. I previously submitted a request for reinvestigation, but I have yet to receive a satisfactory response. I am again requesting that you provide the source of this information and the methods used to validate its accuracy.

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 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I 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 non-monetary relief
Consumer complaint received 2025-03-10 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: Open Dealer Exchange, LLC
State: TX

Complaint narrative:
During my car loan application process, my credit report was accessed 11 times in a very short period, all within XX/XX/year>, and XX/XX/year>. I understand that when applying for a car loan, my credit may be checked, but I believe the number of inquiries made in such a short span of time is excessive and has negatively impacted my credit score. 

The details of the inquiries are as follows : 700XXXX 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/year> While I understand that multiple lenders might check my credit during an auto loan application process, I was not fully informed about how many times my credit would be accessed. As a result, these multiple inquiries have negatively impacted my credit score. Since they all stemmed from the same car loan application process, I believe they should be considered as one inquiry and the additional entries should be removed from my credit report. 

I respectfully request that these inquiries be investigated and deleted from my credit report to reflect the fact that they were related to a single loan application. I also ask for confirmation that the corrections have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I firmly demand the immediate removal of this unauthorized account from my credit report, unless verifiable evidence is provided without delay to substantiate its legitimacy. Under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws, it is the responsibility of credit reporting agencies and data furnishers to ensure that only accurate, authorized, and fully verified information is reported on a consumer 's credit file. 

The presence of unauthorized transactions or fraudulent accounts on my credit report is a direct violation of my financial security and credit integrity. These errors not only undermine my creditworthiness but also expose me to potential identity theft and financial harm. If these transactions can not be verified with clear, documented evidence, they must be permanently deleted from my record immediately to prevent further damage to my financial standing.

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 2025-03-10 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: WI

Complaint narrative:
I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAU is required to remove any accounts not later than 4 business days after the receipt. Also, the information provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$3000.00} XXXX  XXXX XXXX Balance Owed : {$4000.00}

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 2025-03-10 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: MD

Complaint narrative:
I am writing to formally request the immediate removal of the car loan account listed under my name on my credit report. This account is being reported inaccurately, and I believe that it is in violation of my rights under 15 U.S.C. 1681, commonly known as the Fair Credit Reporting Act ( FCRA ). 

The FCRA provides explicit protections for consumers in relation to their credit reports. Specifically, it mandates that all information reported to consumer credit agencies must be accurate, fair, and complete. As part of these protections, I have the right to dispute any information that I believe is incorrect, incomplete, or unverifiable. I have exercised this right, but to date, I have not seen any satisfactory resolution regarding the car loan account on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: IL

Complaint narrative:
I discovered that several closed accounts are being inaccurately reported on my credit report with Equifax. These accounts contain inconsistencies, such as incorrect dates, balances, or statuses, which do not align with my records. Under the Fair Credit Reporting Act ( FCRA ) 1681i and XXXX XXXX compliance guidelines, all reported information must be accurate, complete, and verifiable. I submitted a formal dispute requesting the removal of these accounts due to these inaccuracies. However, Equifax has yet to properly correct or remove these items, which is negatively impacting my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Been a loyal customer with BreadPay for a couple years, they helped me get some furniture pieces for my beautiful wife. I do appreciate them. Now due to financial hardships, I was unable to manage my payments with Breadpay towards the end of my three loans with them. I became swamped and I told them that over the phone but there were not willing to work around. Instead, they are harassing me with phone calls and text messages about the outstanding debt. I understand they are trying to obtain it but it has been nonstop, every single day I'm at work. They call with a new number every single day after I block them for harassment. Please can we solve this, thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: NC

Complaint narrative:
Incorrect information reporting on my consumer report.

Company response to consumer: Closed with non-monetary relief