vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX & XXXX Account number : 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VI

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Your company has inquiries listed on my credit report that I never agreed to

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 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax is reporting the account XXXX XXXX XXXX ( CLOSED ) Account Number XXXX XXXX incorrectly. The account is reporting late payments and charged off. After calling XXXX they stated they did not sell this information to Equifax. Equifax also is NOT allowed to have access to my private financial records. After requesting the information they used to determine the information they are reporting is true and correct. I have never been late and this balance is reporting incorrectly because I dont owe a balance on this account. Equifax is providing false information and should be held accountable since it is causing me damages.

602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 
( b ) Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: M.A.R.S., Inc.
State: IL

Complaint narrative:
I submitted a complaint to XXXX XXXX on XXXX ( Complaint ID XXXX ) and XXXX ( Complaint ID XXXX ) and both claims were closed after XXXX XXXX responded with an itemized document. This letter is in response to those claims. XXXX XXXX claims that I Owe {$2700.00}. I requested that XXXX XXXX provided me with a copy of any viable evidence showing the account is being reported accurately. I am now requesting the method of verification procedure you used to determine the accuracy and completeness of the information you are furnishing on my credit report. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, showing that I have a legally binding contractual obligation to pay you the alleged amount. I am also requesting the record that reflects the process by which my signature was generated/executed. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: CA

Complaint narrative:
I have requested multiple times to have my credit report updated to show the correct information on my credit report and to also supply the information they used to decline my dispute request and continue to report incorrect information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have requested multiple times to have my credit report updated to show the correct information on my credit report and to also supply the information they used to decline my dispute request and continue to report incorrect information

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 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax is reporting inaccurate and non-verifiable information on my credit report. Despite my formal disputes, Equifax has failed to provide verifiable proof of the reported information or remove it, which violates my rights under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 et seq. ]. 
Details of the Complaint : 1. Failure to Remove Non-Verifiable Information Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if Equifax can not verify disputed information within 30 days, it is legally required to delete the information from my report. 
I submitted several disputes regarding [ XXXX XXXX XXXX XXXX ], and Equifax has either failed to investigate properly or has continued to report unverifiable information.

2. Failure to Conduct a Proper Investigation 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) requires Equifax to conduct a reasonable reinvestigation of disputed credit information. 
Instead of providing proof of verification, Equifax has continued to report incorrect information, harming my credit.

3. Failure to Provide Adequate Documentation Under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), Equifax must provide me with the name, address, and contact information of any data furnisher that allegedly verified the disputed information. 
Equifax has failed to provide this required documentation, meaning the disputed information is unverifiable and must be deleted. 

This ongoing issue is negatively impacting my financial standing, and I urge the CFPB to intervene to ensure compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXX Subject : Formal Complaint Against American Express Unjust Account Closures Without Explanation To Whom It May Concern, I am filing a formal complaint against American Express regarding the abrupt and unjustified closure of all my credit card accounts without notice, explanation, or due process. Despite having a spotless payment history, never having a late or returned payment, and recently receiving unsolicited credit limit increasesincluding one from {$XXXX} to {$XXXX} and another XXXX XXXX XXXX limit raised to $ XXXX XXXX XXXX to terminate its entire relationship with me in an unprofessional and discourteous manner. 

I was contacted by an American Express representative who coldly informed me that all my accounts were closed due to reasons adherent to card agreements. However, when I pressed for specifics, I was met with vague deflections. No one was ableor willingto explain exactly why my accounts were closed, nor was I given the opportunity to escalate the matter to a supervisor. This level of customer service is unacceptable for a financial institution that prides itself on member relationships. 

Adding to my concerns, I have previously been a victim of identity theft where someone fraudulently signed housing leases and opened bank accounts in my name without my knowledge. Given my clean payment history with American Express, it is imperative that I receive a precise reason for these closures, especially considering that I have diligently maintained my accounts in good standing. 

This action by American Express has caused unnecessary financial and reputational harm, and I demand a full investigation into their reasoning for this termination. I also request a formal, detailed explanation in writing from American Express, outlining the exact clause in their agreement that warranted this action. Furthermore, I urge the CFPB to investigate whether American Express is engaging in unfair or deceptive business practices by closing accounts without proper justification. 

I expect a prompt response from both the CFPB and American Express regarding this matter. Please advise on the next steps I can take to ensure I receive the transparency and fairness I deserve as a responsible consumer. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This morning, I was alarmed to see incorrect accounts on my credit report, and I have no clue how they got there. I checked my report as part of my usual routine, but this time, I noticed unexpected discrepancies. I even tried refreshing my browser, thinking it might be a temporary glitch, but the errors persisted. Because of this, I am requesting a thorough review of the documents Ive sent so I can have peace of mind.

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 2025-02-20 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:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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 2025-02-19 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: NJ

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 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 2025-02-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
CREDENCE IS ASSUMING THAT AN ALLEGED DEBT BELONGS TO ME. I DO NOT OWE ANY CREDENCE RESOURCE MANAGEMENT , LLC XXXX XXXX XXXX XXXX XXXX. I HAVE NEVER CONSENTED FOR CREDENCE RESOURCE MANAGEMENT TO POSSESS OR UTILIZE OR GAIN FROM MY PERSONAL IDENTIFYING INFORMATION. IT IS AGAINST THE GRAMM LEACH BLILEY ACT TO POSSESS MY PERSONAL CONSUMER PROPERTY WITHOUT MY INFORMED CONSENT. NOW CREDENCE IS ATTEMPTING TO GAIN A RETURN ON A SUPPOSED INVESTMENT ASSET BY EXTORTING ME AND THREATENING TO DAMAGE MY CREDITWORTHINESS. CREDENCE RESOURCE MANAGEMENT HAS VIOLATED FLORIDA CONSUMER PROTECTION LAWS BY ALLEGING AN AMOUNT THEY SHOULD HAVE KNOWN IS NOT DUE TO THEM OR TO AT & T MOBILITY. THE POSSESSION OF MY PERSONAL PROPERTY WITHOUT MY INFORMED CONSENT IS A DECEPTIVE PRACTICE AND I HAVE NOT BEEN ABLE TO CONFIRM THE VALIDITY OF THESE CLAIMS BY ANY MEANS AS CREDENCE RESOURCE MANAGEMENT HAS FAILED TO PROVE THEY ARE IN LAWFUL POSSESSION OF MY PERSONAL PROPERTY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
I received an erroneous letter, titled payment reminder. I have not ever been late on a payment, I am and have always been on automatic draft for the due date of the XXXX of each month. It appears the mortgage company coded the payment as being received XX/XX/year> ( per my mortgage statement ). However, a letter was sent to me XX/XX/year> stated payment reminder notice dated XX/XX/year>. 

The bank has repeatedly made mistakes with the servicing of my loan from the previous NSF charge around this same time last year that they explained was a courtesy as being removed. I never received an NSF from my bank for that transaction. I provided all of my bank statements to the mortgage company, called several times and they still made it seem in their response as if it were my fault. I am on an ACH draft, how can I be late if the payment was received and the ACH is within your control. I managed the ACH in mortgage compliance for greater than 20 years, your draft request had to have been issued late and I bet I am not the only customer experiencing this matter. 

My statement date is XXXX ( generated ), it shows a payment received XXXX. 
Your letter for the payment reminder was dated XXXX " ( before my due date and draft date of XX/XX/year> ). 
Per my bank, XXXX the actual draft ACH Debit - Freedom Mtg Pymts XXXX ACH Debit Transaction Amount- {$1600.00} Running Balance {$1400.00} The current issue you will be able to see their mistake, as a previous mortgage compliance officer of XXXX, I know for a fact it appears thee act request must have gone to the bank late. the XXXX was a XXXX, the following Monday was a holiday, banks would have been closed. Either the departments are not working together or someone is missing a check and balance because this letter should not have ever been sent, just as the PMI letter previously.

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 2025-02-19 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 Profit Recovery, Inc., Marlborough, MA Branch
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX the amount is {$220.00} XXXX XXXX XXXX XXXX Obligations with respect to disclosures of personal information with XXXX XXXX XXXX XXXX may-not disclose nonpublic personal information to a nonaffiliated third party unless.. 
Basically the financial institutions is supposed to give the consumer the option to opt out of being reported to XXXX, XXXX, and XXXX but they don't. They take your info and give it someone is which is a direct case of identity theft

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA

Complaint narrative:
On XX/XX/year> I went to ACE Cash Express for a payday loan of {$200.00} they reassured made that I could go in-store for cash pickup on Monday this was not true so I then spoke with a representative to cancel due to force majuere do the fraud on my account and it being locked and having no access. Me and the representative came to mutual agreement and cancellation/termination of the initial agreement. It was confirmed the following day as well. Approx. XX/XX/XXXX per XXXX XXXX  I found out that they deposited the money in that account anyway and want me to repay the loan.XXXX  XXXX  took that money to offset me being in the red {$500.00} due to the fraud.so I refuse to make payment per our mutual agreement which was the last correspondence I had with the representative. They breached the contract per the force majuere clause and cancellation of the loan. This was confirmed and reconfirmed on the cancellation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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:
XXXXXXXX XXXX  - XX/XX/year>2023 XXXX XXXX - XXXX/XXXX/2023 XXXX XXXX XXXX XXXX2023 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 non-monetary relief
Consumer complaint received 2025-02-19 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: FL

Complaint narrative:
XXXXXXXX XXXX  - XX/XX/year>2023 XXXX XXXX - XXXX/XXXX/2023 XXXX XXXX XXXX XXXX2023 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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Report/FTC identity theft report ( FTC REPORT XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. In addition, I request the immediate removal of the following fraudulent INQUIRIES from my credit report. INQUIRIES :XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief