vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-12 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: TX

Complaint narrative:
Dear XXXX XXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: NV

Complaint narrative:
My information was exposed in a data breach According to 15 USC 1681 Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.

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 2025-01-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC
State: DE

Complaint narrative:
Recently out of the blue, Contract Callers, a collection agency has placed a derogatory claim of an unpaid bill in the amount of {$620.00} on my stellar credit report. 
There was no caution notice and no warning notice. It is either a mistake or fraud as I have no knowledge or interaction with the collection agency or the original creditor, XXXX XXXX, an energy utility company. The energy utility company where I reside is XXXX, which I have been with for the last 10 years or so. 

I have disputed with all 3 credit bureaus, and while it is being disputed, they have not removed the derogatory claim while they do their lengthy investigation, affecting my credit and finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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:
15 U.S Code 1681e b-Compliance procedures i have consistently made timely payments, and it is inaccurately reporting information. It's essential that consumer reporting agencies maintain accuracy on report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: DE

Complaint narrative:
XXXX XXXX XXXX XXXX continues to report inaccurate and incorrect late payments on my credit profile. 

account # XXXX ( credit card ) Inaccurate Late payments- XX/XX/XXXX, XXXX and XX/XX/XXXX. 
account # : XXXX ( auto loan ) Inaccurate Late PaymentsXXXX XXXX and XX/XX/XXXX. 

They remain in violation of consumer law under : 15 USC 1681a ( 2 ) - EXCLUSIONS Except as provided in paragraph ( 3 ) The term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S.C 1666B : States a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Experian has failed to disclose all facts listed in section 1637 ( b ) without any omission as required under the FCRA to me as a consumer. They also inaccurately conveyed all relevant information about these erroneous accounts to the original furnisher ( XXXX XXXX XXXX XXXX ), even when the response was improbable or illogical on its face, or when Experian has other information available to suggest the furnisher in unreliable.

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 2025-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/year>, I responded to an advertisement I saw online to open a Bank of America " Safe Balance '' Checking account. I opened the account, online, using the promotional code XXXX. Per the terms of the advertisement/offer, I needed to deposit and hold {$15000.00} in the account, through 120 days after opening, and make a minimum of XXXX additional deposit. I opened the account with {$25.00} on XX/XX/year>, made a deposit of {$15000.00} on XX/XX/XXXX, and made a mobile deposit of {$100.00} on XX/XX/XXXX. 

On XX/XX/year>, I mailed Bank of America, asking them to confirm that I would be eligible for the promotional bonus, as I was unable to find any evidence that the code had been applied. 

To date, I've had no response from Bank of America regarding this promotional bonus, and I fear that they may not honor the terms. 

Thanks for investigating.

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 2025-01-12 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I purchased myself a {$200.00} AMEX gift card today, XX/XX/year> at XXXX, to use for a specific website that allows AMEX XXXX, but the card got declined. 
I tried using it at another website that also accepts AMEX, declined again. 

I looked at online forums of others with experience with these cards, and they said that these gift cards are notorious for getting declined everywhere. And going to their customer support is useless cause they redirect where to go, rather than actually help. 

I came here from one of those forums.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
I called the company and informed them that the debt that they brough from another company was identify theft and they did help me, and I do not remember. The date when I called the company. I also remember doing the dispute through an XXXX representative.

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 2025-01-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: TN

Complaint narrative:
Per previous complaint with CFPB ( Case number XXXX ), Aidadvantage, my loan service provider, gave me a written explanation that due to XXXX application processing being on hold that I would be placed in an non interest accruing forbearance and no payment would be due. I contacted XXXX on XX/XX/XXXX when I saw my account had not been updated to reflect no payment was due. Customer service assured no payment was due in XXXX and that I was in forbearance with no interest until my XXXX was processed. Furthermore, I was told that Studentaid.gov/Department of Education was doing these updates automatically. My account for reasons unknown to them was having to be done manually. I received notice today that XXXX payment was delinquent. I have written proof that I submitted XXXX. I have written proof where the loan should be on hold. I also have provided documentation to Aidadvantage that I'm not receiving my salary as I'm on XXXX XXXX. I receive no taxable income.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: TX

Complaint narrative:
EQUIFAX INFORMATION SERVICES, LLC REPORT FROM XX/XX/XXXX SHOWING INQUIRIES NOT AUTHORIZED BY ME. 

INQUIRY FROM XXXX XXXXXXXX XXXX XXXXXXXX ON XX/XX/XXXX INQUIRY FROM XXXX ON XX/XX/XXXX INQUIRY FROM XXXX XXXX XXXX ON XX/XX/XXXX INQUIRY FROM XXXX XXXX ON XX/XX/XXXX INQUIRY FROM XXXX XXXX ON XX/XX/XXXX INQUIRY FROM XXXX XXXX ON XX/XX/XXXX INQUIRY FROM XXXX XXXX ON XX/XX/XXXX INQUIRY FROM XXXX XXXX ON XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX and experian I disputed with XXXX they never investigated I dont have any account with XXXX never signed a contract I dont have any signed contracts for 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 2025-01-12 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: Westlake Services, LLC
State: TN

Complaint narrative:
XXXX and XXXX I disputed with westlake they never investigated I dont have any account with westlake never signed a contract I dont have any signed contracts for Westlake financial

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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:
EXPERIAN CREDIT SERVICES is reporting Inquiries on my report dated XX/XX/XXXX that has not been authorized by me. Have tried numerous times to resolve this matter without any success. Contacted the Companies that are reporting and they have no record of the inquiry. 

INQUIRY from 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 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

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 2025-01-12 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:
significantly affected my financial well-being. Regrettably, I have fallen victim to identity theft, and attach herewith the relevant documents and a completed identity theft report that detail the specifics of this case. I implore your urgent assistance in this grave situation. It is of utmost importance that you take immediate steps to review and address the unauthorized accounts that have been falsely associated with my identity. In accordance with the Fair Credit Reporting Act ( FCRA ) Section 605B ( 15 U.S.C. C 1681 c-2 ), I request that you promptly initiate the process to bloc and eliminate all information resulting from this identity theft incident. The FCRA mandates the removal of such data within a maximum of four business days from the date of this correspondence.

To facilitate your investigation, I have outlined below the specific accounts that I demand to be expeditiously deleted : 1. Under penalty of perjury, I swear this account is false and misleading. XXXX XXXX {$660.00} Please remove it from my credit report. 

XXXX. Under penalty of perjury, I swear this account is false and misleading. XXXX XXXX {$860.00} Please remove it from my credit report. 

XXXX. Under penalty of perjury, I swear this account is false and misleading. XXXX XXXX {$1300.00} Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 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: TX

Complaint narrative:
I sent an arbitration anitiation notice by certified mail with return receipt to Experian and they have not responded to my request.

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 2025-01-12 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: Fidelity National Information Services, Inc. (FNIS)
State: NJ

Complaint narrative:
There is an account on the Chex system report that is not mine. This is identity theft. Please remove it.

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 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
To Whom It May Concern, I am filing this complaint regarding a paid collection account listed on my credit report with the following details : Creditor Name : XXXX XXXX XXXX XXXX. 
Account Number : XXXX Original Amount : {$170.00} Status : Paid in Full as of XX/XX/XXXX Current Reporting Information : Date Reported : XX/XX/XXXX Date of First Delinquency : XX/XX/XXXX Balance Date : XX/XX/XXXX Last Payment Date : XX/XX/XXXX Status : Paid The credit bureau has recently verified this account as belonging to me and updated certain fields, including the Additional Information, Balance Date, and Status Date following my dispute. While I appreciate their efforts to update the information, I believe that the continued reporting of this account as a derogatory mark is unfair and damaging, given the following reasons : 1. Account Fully Paid for Several Years : This debt was fully resolved on XX/XX/XXXX, over 4 years ago, and the continued reporting of this paid derogatory account unfairly penalizes me for a debt that is no longer relevant to my current financial standing. 
2. Impact of Reporting Inaccuracies : Although the account has been marked as Paid, the updated reporting date of XX/XX/XXXX makes it appear more recent than it truly is. This reporting practice disproportionately impacts my creditworthiness, as the debts age should diminish its effect on my credit score. 
3. Fair Credit Reporting Act ( FCRA ) Compliance : Under the FCRA, credit reporting must be accurate, fair, and not misleading. While the technical accuracy of the reporting may be valid, the use of an updated status date and continued derogatory reporting misrepresents the relevance of this account to my financial history. 
4. Request for Goodwill Adjustment Ignored : I have attempted to work with XXXX XXXX XXXX XXXX to request a goodwill adjustment for removing this account from my credit report, but they have been unresponsive. 

I respectfully request the CFPBs assistance in : Investigating the continued reporting practices of XXXX XXXX XXXX XXXX regarding paid accounts. 
Encouraging the creditor to remove this paid account from my credit report as a goodwill adjustment. 

Attached are supporting documents showing the dispute results, confirmation of the updated Paid status, and the timeline of this account. 

Thank you for your time and assistance. I look forward to your help in resolving this matter so that my credit report accurately reflects my current financial responsibility. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 accounts opened at ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number ( XXXX ), and the collections accounts opened at ; XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX with a balance of {$1000.00}, XXXX XXXX on XX/XX/XXXX XXXX appears related to the aforementioned personal credit card account opened at XXXX XXXX  and XXXX XXXX  on XX/XX/XXXX that appears coo the aforementioned personal credit card account opened at XXXX. 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. Ido 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. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX, # XXXX and # XXXX, as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company 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 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To whom it may concern, I am writing to bring to your attention serious concerns regarding my credit report and the actions of Equifax. I requested to have this information to be blocked. My personal information was exposed in Equifax data breach, and as a result, I became a victim of identity theft. I have submitted all required documentation to Equifax and requested a thorough investigation into the fraudulent activity in my credit file. However, Equifax has consistently failed to conduct a proper investigation and turn it into a regular dispute, instead of a block as requested, causing the situation to worsen. This troubling action suggests that Equifax is merely making rapid updates to my credit report, rather than conducting a proper inquiry or ensuring that the reported information is legitimate. 

Under Section 605B of the Fair Credit Reporting Act ( FCRA ), Equifax is required to conduct a thorough and accurate investigation into any fraudulent information on a consumers credit report. The deletion and subsequent reappearance of these itemswithout any new investigationindicates that Equifax is not fulfilling this legal obligation. This failure to properly address the fraudulent activity continues to negatively impact my credit score and my financial well-being. 

Thank you for your attention to this urgent matter. I look forward to your assistance in resolving this issue. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief