vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-07 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: GA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-02-07 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Please see uploaded documents pertaining to compliance dispute against Experian based on XXXX 's reinvestigation determination to delete listed accounts.

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 2025-02-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: DE

Complaint narrative:
I booked a hotel with my Apple Credit Card on XX/XX/year> for {$1500.00}. The hotel had issues, and we left after a couple of days. We asked to work with the hotel while in XXXX, in person with the XXXX, but they said to call our credit card instead. Apple has refused to work with me in getting back a {$600.00} refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-07 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: DE

Complaint narrative:
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 , TransUnion credit reporting agency and the Equifax reporting agency block information appearing on my consumer report that is the result of fraud and identity theft within 4 days of you receiving this complaint. This fraudulent, inaccurate and false information consist of 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 {$100.00} These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit reports maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts collections or hard inquires as reported. The aforementioned accounts collections and hard inquires appearing on my consumer report maintained by you were not opened made or initiated by me all the aforementioned accounts collections and hard inquiries are the result of identity theft and fraud. I have attached a cop of FTC Identity Theft 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 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Hey, my name is " XXXX XXXX XXXX '' and I have noticed on my consumer report. That I have had a bankruptcy. Which in fact, does not belong to me and need to be deleted immediately. It has impacted me deeply and has hurtled me. The consumer reporting agencies Experian, XXXX, and XXXX have violated codes 15 U.S Code 1681 s-2 " Responsibilities of furnishes '' of information to consumer reporting agencies. They have reported a bankruptcy knowingly that it's not connected to me. And I have on record, that I am not connected to this public record. This consumer law gives me the authority to tell the information that I wish to be requested to be deleted on my consumer report. And it must be deleted within XXXX business days. Due to me filing my XXXX Report. This law states that if you file a police report through the XXXX, it must be removed.

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 2025-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
While making the XX/XX/XXXX Payment to Truist - who had just taken over the Mortgage from XXXX  I ran into the following issues : Our mortgage changed hands in XXXX from XXXXXXXX XXXX to Truist. I was sent the attached correspondence from XXXX regarding that Mortgage Payment - that I could wait for the changeover to take place and then make my XXXX payment to TRUIST once the change was setup and I could initiate payments directly to TRUIST - and that the payment would not be deemed late for ( XXXX ) days. I attempted to make that payment on XX/XX/XXXX ; however, I was met with a message that I would have to call TRUIST directly to make the payment ( I attached a screenshot of that message, that " XXXX '' of TRUIST requested I send to him because he said that was an incorrect message ). 

On Monday XX/XX/XXXX I called into TRUIST and spoke with " XXXX '' of the TRUIST Bankruptcy Department... XXXX stated that due to the Bankruptcy filing I would not be able to make the XXXX Payment - that it would go on the Bankruptcy ... I explained to XXXX that the mortgage would not be on the filing and that I had the correspondence that stated that I had XXXX  days to make the payment since the transition was occurring from my former Mortgage Company ( XXXX ) to now TRUIST ... he then stated that my thoughts were correct. So I continued to make a payment on XX/XX/XXXX for {$1800.00} for the XXXX Mortgage Payment, as well as {$1800.00} for the XXXX Mortgage Payment. " XXXX '' provided me with a " Confirmation Number '' of XXXX. 

I've just received in the mail a Mortgage Account Statement that appears to show that a " Current Balance '' of {$2600.00} that seems to indicate this will be paid by the Trustee ... I'm not sure how this happened or what I need to say/do with TRUIST to set this straight? 

I've paid the XX/XX/XXXX Mortgage, so that is up to date. 

I'm in the process of finalizing a XXXX XXXX XXXX I will be continuing to pay my Mortgage on my own, this will not be paid for through any trustee account.

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 2025-02-07 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:
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 2025-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC
State: NC

Complaint narrative:
Credit was fraudulently extended to me under the pretense of a lease agreement but the items can not be returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: PA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: Kriya Capital, LLC
State: OH

Complaint narrative:
To Whom It May Concern, This letter serves as my final demand for the immediate removal of unauthorized, fraudulent, and outdated hard inquiries from my credit report. Despite my multiple disputes and clear notifications regarding these errors, your agencies have failed to take corrective action, in direct violation of federal law. I have exercised due diligence in attempting to resolve this matter amicably, yet my efforts have been ignored. Your inaction constitutes gross negligence, misrepresentation, identity fraud, theft by deception, and the unauthorized use of my credit. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), consumer reporting agencies are required to ensure the accuracy of the information in consumer reports. Section XXXX prohibits the inclusion of hard inquiries without a permissible purpose, yet unauthorized inquiries from XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, and other entities remain on my credit report. Furthermore, pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit reporting agencies are mandated to investigate and remove disputed information within thirty days. Your failure to uphold these legal obligations leaves me no alternative but to pursue litigation. 

Additionally, the Equal Credit Opportunity Act ( 15 U.S.C. 1691 ) and Regulation B ( 12 C.F.R. 1002 ) require that creditors and reporting agencies maintain and justify records of credit decisions, including inquiries. The failure to validate these inquiries, despite my formal disputes, is a direct violation of federal law. The continued reporting of these fraudulent and outdated inquiries has significantly damaged my credit, adversely affecting my financial opportunities and my ability to secure fair lending terms.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: IL

Complaint narrative:
I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$660.00} XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX {$0.00} These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Orion Capital Solutions LLC
State: VA

Complaint narrative:
Someone by the name XXXX XXXX is calling multiple people trying to get in contact with me. I called her and asked her to stop because its harassment, and she said that it isn't.

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 2025-02-07 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: Butler, Butler & Rowse-Oberle, P.L.L.C.
State: MI

Complaint narrative:
On XX/XX/XXXX, I requested an itemized statement of the debt and a 1099C. I never received this information and Instead, the company reported me to XXXX for Account Abuse for money they charged off. I have every right to get a 1099C from these people. Furthermore, I was denied when trying to open a credit card with XXXX today because of this intentionally damaging reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: TN

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts reported inaccurate : XXXX XXXX ( Account # XXXX ), opened on XX/XX/XXXX with a balance of {$8400.00}. I previously disputed this account, stating that it is incorrectly reported as a charged-off account with a balance due. Please provide proof of the charge-off or delete the negative payment status. I do not agree with the results of your investigation. I request documentation or removal of the negative information. 
XXXXXXXX XXXX Revolving Account ( Account # XXXX ), opened on XX/XX/XXXX with a balance of {$300.00}. I previously disputed this account, which is incorrectly reported as charged-off with a balance due. I request proof of the charge-off or deletion of the negative payment status. The results of your investigation are unsatisfactory, and I demand documentation or removal of the negative information. 
XXXX XXXX XXXX Secured Loan ( Account # XXXX ), opened on XX/XX/XXXX with a balance of {$67.00}. I do not recall ever being late with a payment on this account. Please provide statements and records of all payments made and missed. I disagree with the investigation results and request either proof or removal of the negative information. 
XXXX XXXX XXXX Account ( Account # XXXX ), opened on XX/XX/XXXX with a balance of {$1200.00}. I have no contract with this debt collector. Please provide proof from the original creditor that XXXX XXXX owns this debt and has the legal authority to collect it, or delete the account. I do not agree with the investigation results and request proper documentation or removal of the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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:
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. 

List of Unauthorized Inquiries : 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 XXXXXXXX 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven 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 non-monetary relief
Consumer complaint received 2025-02-07 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: CNG FINANCIAL CORPORATION
State: SC

Complaint narrative:
Heres a tailored dispute letter for all three credit bureaus using case law and consumer protection laws to challenge the derogatory item. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute of Inaccurate Credit Report Entry Request for Deletion Dear XXXX, I am writing to dispute inaccurate and unverifiable information on my credit report under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681. The following account contains errors and must be removed immediately unless verifiable documentation is provided. 
Creditor Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Status : Charged-Off Legal Grounds for Dispute XXXX. Unverifiable Information ( FCRA 15 U.S.C. 1681i ( a ) ) Under XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX XXXX ), credit bureaus must conduct a thorough reinvestigation when a consumer disputes an account. I demand documentation proving the accuracy and validity of this entry. If you can not provide such evidence within 30 days, you are legally required to delete this account. 
XXXX. Inconsistent & Misleading Reporting ( FCRA 15 U.S.C. 1681e ( b ) ) The reported information on my XXXX and XXXX reports contain discrepancies in reporting dates. Under XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ), failure to report accurate and consistent data violates the FCRA and is grounds for deletion. 
XXXX. Failure to Validate Debt Transfer ( FDCPA XXXX XXXX. XXXX ) The account has been reported as purchased by another lender, yet no documentation has been provided proving a valid assignment of debt. According to XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX XXXX. XXXX ), a creditor must provide a complete chain of title when a debt is transferred. If no such records exist, this account must be deleted immediately. 
XXXX. Charge-Off Reporting Violations ( FCRA 15 U.S.C. 1681c ) If this debt was charged off, then sold, it means the creditor already received tax benefits for the loss. According to XXXX v. XXXX XXXX. Solutions, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), continuing to report a charged-off debt without legal proof is considered misleading and should be removed. 

Requested Action I formally request that this account be deleted from my credit file due to its inaccuracies, lack of verifiable documentation, and legal violations. Under the FCRA, you must respond within XXXX days with the results of your investigation. 

If this matter is not resolved promptly, I am prepared to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief