vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I reviewed my credit report and noticed 2 unauthorized credit Inquires on my report. I never requested credit from these companies. 

This inquiry was made without my knowledge or consent and I would like to be provided proof I consented to this inquiry viaFCRASections 609 and 605, as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, Iwould like it removed immediately. 

XXXX XXXX ( Bank ) XX/XX/XXXX This inquiry was made without my knowledge or consent and I would like to be provided proof I consented to this inquiry viaFCRASections 609 and 605, as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, Iwould like it removed immediately. 

XXXX XXXX XXXX ( Bank ) XX/XX/XXXX This inquiry was made without my knowledge or consent and I would like to be provided proof I consented to this inquiry viaFCRASections 609 and 605, as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, Iwould like it removed immediately. 

SYNCB/AMAZON ( Bank ) XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mr. Cooper Group Inc.
State: MO

Complaint narrative:
I have been trying to apply for a mortgage forbearance since XXXX. My husband lost his job in XXXX and we have utilized our savings, unemployment benefits, and retirement withdrawals to pay our bills. In XXXX, my husbands unemployment benefits ended, savings ran out, and there isnt much left to withdraw from retirement. 

On XX/XX/XXXX I called to request information regarding protections as an FHA borrower and the agent told me I was not eligible because it required both borrowers to be unemployed. This didnt align with the FHA website so I contacted a hud counselor who advised me to request in writing why I would not be eligible and gave me a direct link where it states for FHA borrowers a forbearance can be requested if ONE OR MORE borrowers becomes unemployed. 

I got a canned response that they were sending something to underwriting for review. I was then told I was ineligible because I was not yet late on my mortgage and needed to be 30 days late before I could be considered for any assistance. 

In XXXX I called again requesting the forbearance and was directed to a mortgage assistance application which I completed. At the end of XXXX I was alerted that my loan modification was approved and my new payment plan. I called again for clarification because I originally requested a forbearance and asked what the result of that request was. I was then advised that the application I was originally directed to was for requesting a loan modification, NOT a forbearance and that forbearance applications are only processed over the phone. 

I asked to start this process and they said I could not until they cancelled my modification request. I asked them how long that would take so I could the apply for forbearance and they said about a week and to call back on XX/XX/XXXX. 

I called today, XX/XX/XXXX to start the forbearance request and told I was still ineligible because there is a second modification request processed on my account and if I request to cancel that - due to how late my payment is, they will likely start the foreclosure process. Also, that if I request a forbearance, it will be only for XXXX months and the entire past due balance would be required as my first payment. 

It shouldnt be this difficult to access/request protections to us under the FHA guidelines . I have been diligent and transparent, I called my mortgage company before I was ever late to let them know of my financial situation so that I could get ahead of the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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: IN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) 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 2025-03-03 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: NC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: ACIMA CREDIT, LLC
State: MS

Complaint narrative:
After talking to multiple customer service Representatives and managers acina keeps taking my payments out late and on random days. I was told it was because by coming from my checking account it was delayed in coming out so I changed it to debit card for payments. Payments still where coming out th next week and not on the agreed on dates.After speak to a different Representative I was told my bank was the reason but after checking with my bank it is acima always taking money out the following week instead of Friday like agreed. It's to the point now that it seems they take money out late on purpose just to get xtra fees but this cycle has now thrown off my budget because I have just enough to pay bills on planned dates. Each time I call to discuss this there is no record of my past calls they say in which I have called and talked to them about 7 times for this same issue this past year!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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: CA

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 enclosed1666 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 non-monetary relief
Consumer complaint received 2025-03-03 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: PA

Complaint narrative:
Despite previous disputes and your failure to correct the inaccurate information on my credit report, this is a formal notice of intent to sue for continued violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Your companys repeated negligence has caused me significant financial and personal harm. If these inaccuracies are not resolved immediately, I will have no choice but to pursue legal action under the following statutes : FCRA 15 U.S. Code 1681n Civil Liability for Willful Noncompliance FCRA 15 U.S. Code 1681o Civil Liability for Negligent Noncompliance FDCPA 15 U.S. Code 1692k Civil Liability for Debt Collection Practices Violations

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 2025-03-03 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: MS

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-03-03 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Despite previous disputes and your failure to correct the inaccurate information on my credit report, this is a formal notice of intent to sue for continued violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Your companys repeated negligence has caused me significant financial and personal harm. If these inaccuracies are not resolved immediately, I will have no choice but to pursue legal action under the following statutes : FCRA 15 U.S. Code 1681n Civil Liability for Willful Noncompliance FCRA 15 U.S. Code 1681o Civil Liability for Negligent Noncompliance FDCPA 15 U.S. Code 1692k Civil Liability for Debt Collection Practices Violations

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 2025-03-03 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: TX

Complaint narrative:
Despite previous disputes and your failure to correct the inaccurate information on my credit report, this is a formal notice of intent to sue for continued violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Your companys repeated negligence has caused me significant financial and personal harm. If these inaccuracies are not resolved immediately, I will have no choice but to pursue legal action under the following statutes : FCRA 15 U.S. Code 1681n Civil Liability for Willful Noncompliance FCRA 15 U.S. Code 1681o Civil Liability for Negligent Noncompliance FDCPA 15 U.S. Code 1692k Civil Liability for Debt Collection Practices Violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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: VA

Complaint narrative:
" I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent.

You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Global Lending Services LLC
State: WI

Complaint narrative:
I declare under the penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the forgoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements to omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621.

This alleging that a person or a company without my authorization used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 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: CL Holdings LLC
State: TX

Complaint narrative:
On XX/XX/XXXX I disputed a debt collection from XXXX XXXX XXXX that was XXXX XXXX  more than XXXX  years ago with XXXX  ( XXXX ). XXXX agreed with my dispute and removed the debt. 

However, I discovered recently that the same debt was either sold or transferred to Jefferson Capital System in XX/XX/XXXX. This debt and the XXXX XXXX debt mentioned above are XXXX and the same. 

I disputed this with XXXX  twice, between XX/XX/XXXX and XX/XX/XXXX. XXXX denied my dispute because they claim my debt is accurate. An investigation would show that the XXXX  debt Jefferson Capital System is attempting to collect is the same as the old XXXX XXXX XXXX debt that was removed. I have attached XXXX  approval of my dispute of the original XXXX debt and their agreement to remove that debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I reached out to the contact information for the XXXX account showing XXXX XXXX on my credit report. The number supplied I spoke with a representative on Thursday XXXX XXXX XXXX. The representative number XXXX said that I would have to contact XXXX XXXX as they had taken over their systems. I contacted the number she provided and representative XXXX stated that he could not find an account for me with the amount I am asking for and that he would need an account number because he did not see the account I was calling about. I called back to the XXXX number that is listed on my credit report for contact and Spoke with XXXX ID XXXX she informed me that the could not supply me with an account number or statements to validate the account being reported as charged off. I requested a supervisor XXXX ID XXXX who also stated that she could not supply me with any information about the account that they are reporting on my credit report. I filed a dispute with all three credit bureaus. Experian came back next day saying the reporter validated the information and no change would be made to my report but I have nothing to show this debt or its validity or a way do obtain it. I feel there is no way that Experian validated this debt in less than 24 hrs and that the originial creditor can not provide me the 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 2025-03-03 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: NY

Complaint narrative:
Demand for Immediate Deletion of Inaccurate Account Account Name : XXXX XXXX XXXX  XXXX XXXX XXXX. 
Account Number : XXXX I am demanding the immediate deletion of the above-referenced account from my credit file due to multiple reporting discrepancies that violate the Fair Credit Reporting Act ( FCRA 15 U.S.C XXXX ). The information reported by Equifax, TransUnion, and Experian is inconsistent, inaccurate, and unverifiable, making this account invalid under FCRA XXXX ( a ) ( XXXX ) ( A ). 

Discrepancies Between Equifax, TransUnion, and Experian Reports : XXXX. Different Account Types : Equifax : Line of Credit TransUnion : Overdraft / Reserve Checking Account Experian : Line of Credit XXXX. Different Balance Updates : Equifax : XX/XX/XXXX TransUnion : XX/XX/XXXX Experian : XX/XX/XXXX XXXX. Different Statuses and Charge-Off Amounts : Equifax : Charge-Off ( No Amount Listed ) TransUnion : Charged Off as Bad Debt ( Profit and Loss Write-Off ) Experian : Charge-Off with {$74.00} Written Off and {$74.00} Past Due as of XX/XX/XXXX XXXX. Different Past Due Amounts : Equifax : {$0.00} Past Due TransUnion : {$0.00} Past Due Experian : {$74.00} Past Due XXXX. Payment History Reporting Issues : Equifax : Reports exceptional payment history with no missed payments but still lists the account as a charge-off, which is a contradiction. 
TransUnion : No payment history displayed at all. 
Experian : XXXX XXXX, XXXX, XXXX, XXXX, and XXXX  days late, which conflicts with Equifax and TransUnions reporting. 
XXXX. Status Update Date Manipulation : Equifax : XX/XX/XXXX TransUnion : XX/XX/XXXX Experian : XX/XX/XXXX This re-aging of the account violates FCRA XXXX ( a ) ( XXXX ) and FCRA XXXX ( a ) ( XXXX ) ( A ), as charged-off accounts can not be updated to extend their reporting period. 

These discrepancies violate FCRA XXXX ( b ), which requires only accurate and verifiable information to be reported. Since the bureaus can not even agree on the basic details of this account, the information is clearly unreliable and must be deleted immediately under FCRA XXXX ( a ) ( XXXX ) ( A ). 

I am not requesting an investigationI am demanding immediate deletion of this account from my credit report. If this request is not honored, I will escalate my complaint to the Federal Trade Commission ( FTC ), and potentially pursue legal action for noncompliance with the FCRA. 

Failure to comply with federal reporting laws may result in legal action against the credit bureaus and the data furnisher for willful noncompliance under FCRA XXXX, entitling me to statutory damages, actual damages, and attorney fees. 
Please provide written confirmation of deletion within XXXX days, as required by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief