vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-03 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: FL

Complaint narrative:
I am submitting this complaint regarding incorrect and fraudulent information on my credit report, including outdated addresses and accounts that do not belong to me. These issues appear to be the result of identity theft. 

Details of the Complaint : Outdated Addresses : The following addresses are listed on my credit report but are no longer associated with me and need to be removed : XXXX XXXXXXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX CT XXXX XXXX, FL XXXX Fraudulent Accounts : The following fraudulent accounts are listed on my credit report : XXXX : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Fraudulent Address : The following fraudulent address is listed on my credit report : Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL, XXXX Address associated with fraud ) Old Addresses ( listed above ) are present on all three bureaus. 

XXXX : Fraudulent accounts ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) Equifax : Fraudulent address ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, FL, XXXX ) XXXX : All old addresses listed above Action Requested : I am requesting the following actions be taken immediately : Remove the outdated addresses from all three credit bureaus. 
Block and remove the fraudulent accounts from XXXX. 
Block and remove the fraudulent address from Equifax under Section 605B of the Fair Credit Reporting Act ( FCRA ).

Supporting Documentation : I have attached the following documents to support my dispute : Copy of my government-issued photo ID.

Copy of a recent utility bill showing my current address.

FTC Identity Theft Report ( or police report, if applicable ).

I respectfully request that these matters be investigated promptly and resolved in accordance with the law. 

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I recently applied for a credit card and I was denied. After reviewing the email Capital One sent me explaining the reasons why I wasn't approved, I realized that some of the statements on that letter were not accurate. I called capital one and I was advised to call XXXX about this matter. XXXX recommended me to call the agency that has my info about some unpaid money and that placed me on collection. After I called that collection agency, I was explained that they have someone with the same name as mine in a different state. The date of birth did not match and when they ran my social and address there was no record of me owing money. I am very frustrated and confused with all this because I'm planning to buy a house this year and I'd like to get my credit history cleared.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Service International Corp
State: MA

Complaint narrative:
I recently applied for a credit card and I was denied. After reviewing the email XXXX XXXX sent me explaining the reasons why I wasn't approved, I realized that some of the statements on that letter were not accurate. I called XXXX  XXXX and I was advised to call XXXX about this matter. XXXX recommended me to call the agency that has my info about some unpaid money and that placed me on collection. After I called that collection agency, I was explained that they have someone with the same name as mine in a different state. The date of birth did not match and when they ran my social and address there was no record of me owing money. I am very frustrated and confused with all this because I'm planning to buy a house this year and I'd like to get my credit history cleared.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: GA

Complaint narrative:
I am writing to inform you that I am a victim of a data breach and to request the immediate deletion and blocking of the following accounts from my credit report. This request is being made pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), which entitle me to request the removal of fraudulent or unauthorized accounts resulting from a data breach. 
The following accounts have been compromised as a result of the data breach, and I respectfully request that they be blocked and deleted from my credit report : Accounts : XXXX XXXX  ACCOUNT XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$360.00} XXXX. XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1800.00} XXXX. XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$950.00} XXXX. XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1600.00} XXXX. XXXX XXXX XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1200.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$00.00} XXXX. Bankruptcy XXXX Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$00.00} XXXX. XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1600.00} XXXX. XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$730.00} XXXX. XXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$730.00} Inquiries : XXXX. XXXX - XX/XX/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

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 2025-01-03 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: TX

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : NAME OF ACCOUNT : XXXX. XXXX XXXX XXXX / ACCOUNT NUMBER XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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: TX

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : NAME OF ACCOUNT : XXXX. XXXX XXXX XXXX / ACCOUNT NUMBER XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Axela Technologies, Inc
State: NY

Complaint narrative:
I am a resident of XXXX XXXX XXXX XXXXXXXX, NY, within the XXXX XXXX XXXX XXXX XXXX. I have lived here for over XXXX years and have never missed a payment. However, the XXXX management changed last year, and I was not informed about the need to update the payment address. As a result, I unknowingly continued sending payments to the previous management company. 

Upon discovering the issue in XX/XX/year>, I promptly sent a check to the new management. Despite cashing my check in XX/XX/year>, they subsequently sent my account to a collection agency and returned the check I had sent to resolve the past-due balance. 

Since XX/XX/year>, Schwarz Collection Agency has been harassing me over this matter. I have repeatedly requested debt validation information from them, but they have failed to provide any documentation while continuing their harassment.

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 2025-01-03 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: LA

Complaint narrative:
I told the Experian, XXXX, and XXXX to reinvestigate these accounts : However, they stated everythin XXXX XXXX XXXX was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 instructons 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 tan 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 modity accounts tat isnt reporting correcuy.

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 ZA instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the followina items of information Anv other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven vears.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case. 

Account : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2400.00} Account : Achieve Personal Loans Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$620.00} Account : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$370.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
This is an ongoing issue with this mortgage company ( Rushmore Servicing ) consistently trying to manipulate documents, to steal from customers. This is my fifth complaint against this company and I'm submitting additional documents to prove they are stealing! 

Please take a closer look at their inconsistent response to my inquiry about the additional charges on my mortgage account. On my statement it clearly reads " If payment is not received before or after the XXXX of the month, then a late fee of XXXX will be added '', one can clearly see that they have been adding XXXX additional every month, and when I ask for an explanation, I get conflicting lies from every agent I speak with about this issue. 
As I explained in my earlier complaint, my payment should be ( XXXX ) whenever I'm late I always add the late fee ( XXXX ), and it should be with a late fee ( XXXX ), but I pay ( XXXX ) which is wrong, and if I don't pay that amount when I'm late, they won't apply the payment to my account. So I have to pay whatever they put on my statement to bring my account current. which it should be ( XXXX ). In addition to adding an extra fee, I noticed that they never apply the amount that I pay every month, instead, they apply what I should be paying per month ( XXXX ). This is manipulation on their before to defraud. I also have documents attached to prove that as well. When I question why they are posting the wrong amount of payment on my account, I get no answer, this is why I keep contacting your office to get rectification in this matter, hoping that someone can stop them from miss managing customers ' accounts, with the intent to steal.

After reviewing my documents, if you can't help me, can you refer me to an agency where I can get some

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: Exeter Finance, LLC.
State: FL

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done.

These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!

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 2025-01-03 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: TX

Complaint narrative:
I am filing a complaint regarding a violation of my rights under the Fair Credit Reporting Act ( FCRA ). A previously deleted account has been reinserted into my credit report without proper notice or evidence as required under Section 611 ( a ) ( 5 ) ( B ). This reinsertion occurred without providing me with written notification within XXXX days or any documentation verifying the validity of the account. 

This action has negatively affected my credit score and undermines the integrity of the dispute process established to protect consumers from inaccurate reporting. I am requesting that the Consumer Financial Protection Bureau investigate this matter to ensure compliance with federal law. 

I respectfully ask for the immediate removal of this account from my credit report and confirmation that the credit reporting agency adheres to the FCRAs guidelines. Additionally, I request any documentation or evidence that may have been used to justify the reinsertion of this 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 2025-01-03 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:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law. 

For this Items Below Please do as what instruction in compliance of the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law. 

For this Items Below Please do as what instruction in compliance of the 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 explanation