vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-08 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: MD

Complaint narrative:
To Whomever This May concern, I found a mistake on my credit report. I am writing to delete the following information in my file. According to 15 USC 1681e ( b ), this charge-off isnt reported correctly. Heres whats wrong : I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I need these accounts removed. Please fix this error. As well as the following inquiries below. Please delete the items as soon as possible. My name and only name is XXXX XXXX XXXX DOB XX/XX/XXXX. My only phone number is ( XXXX ) XXXX and the only current address is XXXX XXXX XXXX XXXX XXXX MD XXXX Thanks, XXXX XXXX Items in Need of Deletion : Collections/ Charge offs 1. Account name : XXXX XXXX Account opened : XX/XX/XXXX Amount owed : {$9700.00} 2. Account name : XXXX XXXX Account opened : XX/XX/XXXX Amount owed : {$11000.00} 3. Account name : XXXX Account opened : XX/XX/XXXX Amount owed : {$570.00} 4. Account name : XXXX Account opened : XX/XX/XXXX Amount owed : {$560.00} Inquiries Account name : XXXX XXXX XXXX Account Opened : XX/XX/XXXX Account name : XXXXXXXX XXXX Account Opened : XX/XX/XXXX Account name : XXXX XXXX Amount Opened : XX/XX/XXXX Account name : XXXX XXXX XXXX Amount Opened : XX/XX/XXXX 5.Account name : XXXX Amount Opened : XX/XX/XXXX 6.Account name : XXXX XXXX Amount Opened XXXX XX/XX/XXXX 7.Account name : XXXX XXXX XXXX Amount Opened : XX/XX/XXXX 8.Account name : XXXX XXXX Amount Opened : XX/XX/XXXX 9.Account name : XXXX XXXX  Amount Opened : XX/XX/XXXX XXXX XXXXe : XXXX XXXX  Amount Opened : XX/XX/XXXX 11.Account name : XXXX XXXX Amount Opened : XX/XX/XXXX 12.Account name : XXXX XXXX Amount Opened : XX/XX/XXXX 13.Account name : XXXX Amount Opened : XX/XX/XXXX 14.Account name XXXX XXXX Amount Opened : XX/XX/XXXX 15.Account name : XXXX XXXX XXXX Amount Opened : XX/XX/XXXX 16.Account name : XXXX Amount Opened : XX/XX/XXXX 17.Account name : XXXX Amount Opened : XX/XX/XXXX 18.Account name : XXXX Amount Opened : XX/XX/XXXX 19.Account name : XXXX Amount Opened : XX/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 explanation
Consumer complaint received 2025-04-08 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX 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 non-monetary relief
Consumer complaint received 2025-04-08 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:
I am filing this complaint because Equifax is reporting inaccurate and outdated information on my credit report, specifically related to my XXXX XXXX XXXX  account. 

As shown in the attached screenshots from my Equifax credit report, Equifax is currently reporting a balance of {$430.00} against a {$300.00} credit limit, resulting in a credit utilization of 144 %. This is inaccurate because a balance over the limit should not be reported unless verified, and this significantly impacts my credit score. 

Additionally, Equifax is inaccurately reporting late payments on this same account. For instance, XXXX XXXX  is marked as paid but XXXX shows 60 days late along with the months of XXXX and XXXX showing 60 days late completely skipping the 30 days marked but I have documentation showing that my payment was made and processed on time. There are also multiple inconsistencies in the XXXX  data, including lates that have been previously disputed or are beyond the accurate reporting limits under FCRA guidelines. 

This misreporting violates the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to maintain accurate and verifiable information. I have reached out to Equifax for correction, but no action has been taken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: IL

Complaint narrative:
PLEASE REMOVE ALL ACCOUNTS! AS PER THE GUIDANCE FROM CFPB THE DOCUMENT NEEDED AS A LETTER FROM THE ADVOCACY GROUP HELPING ME DUE TO XXXX XXXX-DEBT FINAL RULE 1002.142 ( B ) ( 4 ) -5-1002.142 ( B ) ( 7 ), I KINDLY REQUEST THAT YOU BLOCK ALL INFORMATION FROM MY CREDIT REPORT WITHIN 4 BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. I AM A VICTIM OF XXXX XXXX XXXX XXXX XXXX AND WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELETED FROM CREDIT REPORT! PLEASE DELETE THE FOLLOWING ACCOUNTS XXXX {$610.00} XXXX XXXX {$11000.00} XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$7800.00}

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 non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-08 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: FL

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 non-monetary relief
Consumer complaint received 2025-04-08 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 HAVE BEEN AFFECTED OF XXXX  AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX. 

Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: MI

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: FL

Complaint narrative:
I am not aware of any such inquiries, thus it looks that this one is unauthorized and false. Please act right now to resolve this problem.

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 2025-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I've received ( 4 ) fraudulent charges on my credit card from a recurring subscription payments. These payments I did not authorize. I've requested fraud claims and all claims have been disputed and money returned. In the process, I changed by credit card number and afterward, the card was still charged due to the XXXX Account XXXX XXXX. I've spoken to Bank of America, XXXX, and the merchant. Both XXXX and the merchant say it's the issue of the bank to resolve. I've spoken to numerous associates, supervisors, and multiple departments. Only one representative has verbally expressed that " they can't help me '' or " I'm not allowed to opt out '', with no policy information or sources to support that reasoning, even when asked. A person I no longer have contact with, for safety related reasons, has my card information and with this program intact, I have no way of preventing future charges with other merchants, or my information being used. *As a note, other banks offer this option to be opted out of the program. However, when trying to work with Bank of America, most of the associates do not acknowledge that this program exists. They have only been partially helpful in refunding the fraudulent claims and putting a stop transaction order on this particular merchant name but refuse to remove the source of the issue to prevent it from happening again. ** The merchant has confirmed who is the person using my card and they refuse to help as well. *** XXXX has refused to help due to them not having access to my bank account ( even though it's their program ). Transactions : XX/XX/XXXX - {$9.00} ; XX/XX/XXXX - {$9.00} ; XX/XX/XXXX - {$9.00} ; XX/XX/XXXX - {$9.00} ( I received a new credit card with a new number in XXXX and was charged again on the new number in 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 2025-04-08 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NEW YORK COMMUNITY BANCORP INC
State: ND

Complaint narrative:
XXXX XXXX did not pay my XXXX home insurance premium, and still charged my enscrow account without refund. 

XXXX XXXX charged my Escrow account for insurance {$2300.00} on XX/XX/XXXX. 
Insurance company did not receive the payment, and send out the cancellation notice on XX/XX/XXXX. 
I paid the insurance amount {$2300.00} on XX/XX/XXXX, and reached the XXXX XXXX for the insurance payment, they said they sent the payment and waiting for investigation. 
XXXX XXXX sent the check image to me and insurance company, which show up the check status is cashed and remitted to XXXXXXXX XXXX XXXX. Not my insurance company. 
XX/XX/XXXX, request the refund again with no response and keep said under investigation.

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 2025-04-08 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: AZ

Complaint narrative:
Contents of Complaint : 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 a personal credit card account.

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: MO

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 2025-04-08 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: Central Portfolio Control Inc.
State: FL

Complaint narrative:
From : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, Florida XXXX Date : XX/XX/XXXX Subject : Dispute of Unverified Collection Account Reported by Central Portfolio Control Dear CFPB, I am writing to formally dispute a collection account reported on my credit file by Central Portfolio Control. The details reported to XXXX are as follows : - Collection Agency : Central Portfolio Control - Original Creditor : XXXX XXXX XXXX XXXX - Account Type : Collection - Date Opened : XX/XX/XXXX - Balance : {$2300.00} - Status : Collection account ( updated XX/XX/XXXX ) - Responsibility : Individual - Contact : ( XXXX ) XXXX - Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, MN XXXX I do not recognize this debt and have never received any communication, invoice, or validation from either Central Portfolio Control or the original creditor. I attempted to contact the agency to request validation, but they have not responded. 
This is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), which require proper debt validation prior to reporting. The continued reporting of this unverified account is inaccurate and is causing significant damage to my credit. 
I respectfully request that this collection be removed from my credit report immediately. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Dear Trans Union and Experian Equifax Credit Services, I am writing to you regarding a recent alert I received about a thirty-day late payment on my XXXX XXXX XXXX account. I would like to dispute this alert per my credit agreement. As stated in my agreement, my due date for payment is the XXXX and any XXXX late payments should be calculated from the XXXX or after. However, my payment was actually processed on the XXXX and was paid before the XXXX. I have attached evidence of this for your reference. Unfortunately, this is not the first time that this has happened with XXXX XXXX XXXX. I kindly request that you correct the reporting on my late payments as my accounts have always been paid before the XXXX passing date. It is important to me that my credit report accurately reflects my payment history and current status. I have attached further evidence for your review. I urge you to correct my credit report immediately to reflect that my payments have been current. I greatly appreciate your prompt attention to this matter and your efforts to ensure the accuracy of my credit report. Thank you for your time and understanding. 
Please provide me with the below mentioned items : * The amount you claim the Respondent owes you * An explanation showing me how you have computed the amount.

* Copies of any documents that prove I agreed to pay the alleged amount * Confirmation that the account has not crossed the statute of limitation ( SOL ) period I would like to inform you that in case your agency has reported invalidated account information to any of the XXXX main credit bureaus such as TransUnion, Equifax, Experian, then it will be regarded as a fraudulent action under both federal and state statutes. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the Fair Credit Reporting Act ( F.C.R.A. ) * Violation of the F.D.C.P.A.

* Use of my copyrighted property * Violation of the Fair Credit Reporting Act section 1681b * Misrepresentation of facts

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 2025-04-08 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: FL

Complaint narrative:
My credit report reflects late payment entries that I believe to be inaccurate. As per my rights under 15 USC 1681e ( b ) and 15 USC 1681i, I kindly request that these entries undergo verification. Should they remain unverified, I ask that they be promptly corrected or 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 non-monetary relief
Consumer complaint received 2025-04-08 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: PA

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 explanation
Consumer complaint received 2025-04-08 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:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
My data was breached. Code 15USC1681 I request the following needs to be removed from my credit report and my credit restored : + A high balance was paid in the same month but lowered my score at XXXX XXXX, please remove + A second and third credit inquiry on the same Citibank lowered my score, this was a mistake Please restore my credit, let me know. 


Thank you, 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