vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-13 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: CA

Complaint narrative:
XXXXXXXX XXXX inquired on XX/XX/XXXX, XXXX XXXX XXXXXXXX inquired on XX/XX/XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX inquired on XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: RELIANCE FIRST CAPITAL LLC
State: CT

Complaint narrative:
On XX/XX/XXXX, my FHA mortgage loan exited forbearance after a period of unemployment. I contacted my servicer, Reliance First Capital, to request loss mitigation assistance as I can not afford my full mortgage payment. 
On XXXX XXXX, XXXX, their representative XXXX informed me that my only option was a 40-year modification that would INCREASE my monthly payment amount. When I explained I could not afford this higher payment, XXXX stated that if I declined this offer, I would be " taken out of loss mitigation and placed into collections. '' I requested evaluation for other FHA loss mitigation options including FHA-HAMP, but was told this was my only option. 
I submitted a complete loss mitigation application on XX/XX/XXXX. While my application is supposedly " under review, '' I received a delinquency notice on XX/XX/XXXX threatening collections for missed payments beginning XX/XX/XXXX. Their system also prevents me from submitting another hardship application, stating my request is " under review. '' This appears to violate several regulations : Failure to evaluate for all FHA loss mitigation options as required by HUD Handbook XXXX Dual-tracking violation under RESPA ( 12 C.F.R. 1024.41 ) by pursuing collections while my complete application is under review Offering only an unaffordable modification that increases my payment, contrary to FHA 's requirement to provide affordable options I have sent both a Notice of Error and Request for Information via certified mail on XX/XX/XXXX requesting proper evaluation for all FHA options. I can not afford the higher payment they are demanding, and I fear losing my home despite being eligible for other FHA assistance programs. 
I have documentation of their email threatening collections while acknowledging my application is under review, which directly contradicts regulatory protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aargon Agency, Inc.
State: NJ

Complaint narrative:
Date reported XX/XX/XXXX Date reopened XX/XX/XXXX Aargon Agency INC {$94.00} collections/terms Past due {$94.00} Did not receive any information of this alleged debt. No proof of validation or contractual obligations were made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$350.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$3100.00} XX/XX/XXXXXXXX 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 ADDRESSES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX INQUIRIES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian 15 U.S.C , 1681section 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 an account without my written instructions. 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 than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-13 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$350.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$3100.00} XX/XX/XXXXXXXX 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 ADDRESSES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX INQUIRIES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian 15 U.S.C , 1681section 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 an account without my written instructions. 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 than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I hope this message finds you well. I am writing to formally dispute some inaccurate information on my credit report provided by XXXX. 

Upon reviewing my report, I noticed that there are several credit card accounts listed that I have never opened, as well as accounts that were jointly held with my ex-husband. These accounts are no longer my responsibility and do not reflect my current credit profile. 

I kindly request that you : 1. Remove all credit card accounts that are associated with my ex-husband, as we are no longer financially connected.

2. Investigate and remove any accounts that I have never opened.

3. Ensure that only the accounts I currently hold in my name are reported. 

These inaccuracies are negatively impacting my credit score, and I would greatly appreciate your assistance in resolving this matter as soon as possible. 

Please let me know if you need any documentation or further information from my side to proceed with this correction. 

Thank you for your time and support. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I hope this message finds you well. I am writing to formally dispute some inaccurate information on my credit report provided by XXXX. 

Upon reviewing my report, I noticed that there are several credit card accounts listed that I have never opened, as well as accounts that were jointly held with my ex-husband. These accounts are no longer my responsibility and do not reflect my current credit profile. 

I kindly request that you : 1. Remove all credit card accounts that are associated with my ex-husband, as we are no longer financially connected.

2. Investigate and remove any accounts that I have never opened.

3. Ensure that only the accounts I currently hold in my name are reported.

These inaccuracies are negatively impacting my credit score, and I would greatly appreciate your assistance in resolving this matter as soon as possible. 

Please let me know if you need any documentation or further information from my side to proceed with this correction. 

Thank you for your time and support. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that DO NOT belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that DO NOT belong to me. These companies have refused to work on disputes even though they are required by law to do so. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

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 2025-05-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
Four years ago I looked into adding my then spouse to my cellular plan and had her name added to the account however shortly after that we split up and never had her service connected or phone added to the plan. I have since stopped using that provider and disconnected my service and paid all due fines and fees for said disconnect in person at a brick and mortar store. Since then they have tried NUMEROUS times to charge me for services not rendered and each time have had to fight to get the charges reversed and every time have been told " All payment information regarding your account have been removed so this can't and won't happen again '' to the point that I had to change banks

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 2025-05-13 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: NC

Complaint narrative:
My information was included in a data breach and I was a product o identity theft. All information was sent several times and it has not been removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: FL

Complaint narrative:
inaccurate address. my only address is XXXX XXXX XXXXXXXX XXXX  XXXX XXXX florida XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
inaccurate address. my only address is XXXX XXXX XXXXXXXX XXXX  XXXX XXXX florida 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 2025-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date : XXXX LVNV Funding LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC RE XXXX Debt Dispute and Validation Request To Whom It May Concern : I am writing to formally dispute the alleged debt referenced above, in the amount of {$2600.00}, which you claim I owe. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting that you provide validation and verification of this debt, as I do not recognize it and believe it does not belong to me.

Please provide the following documentation : The name and address of the original creditor.

A copy of the original signed contract or agreement that created the debt.

An itemized account of the alleged amount, including interest, fees, and payments made ( if any ).

Proof that LVNV Funding LLC has the legal right to collect this debt.

A complete payment history on the account.

Under the FDCPA, you are required to cease all collection activities until you provide the requested validation of the debt. Additionally, if you report this account to any credit reporting agency, or have already done so, please be advised that I formally dispute the validity of this debt.

Please respond to this request in writing. If you are unable to provide proper documentation validating this debt, you must cease all collection activities and remove any related negative information from my credit reports. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM

Complaint narrative:
The company already has all the information. After I placed a security freeze in XX/XX/XXXX, because I was scammed by telecommunications companies during a move, was alerted by Experian in Fall XXXX of late payments on a Capital One credit account. Contacted Capital One and learned that they processed charges from XXXX XXXX. Although no additional information was provided, and I had not received any notification or statements from Capital One, assumed the charge of {$190.00} in XX/XX/XXXX, could have been a XXXX XXXX subscription from that past that I had not anticipated to be renewed because of the credit freeze. Requested Capital One to lock account. Called XXXX XXXX They had no record of charges or account. Disputed with XXXX  and thought matter was resolved. 

Notified again by XXXX  in XX/XX/XXXX of additional late charges. Contacted Capital One. Told me they mailed correspondence requesting documentation to my previous address in XX/XX/XXXX. Although I submitted a forwarding address to the US Post Office, the Capital One correspondence was not received or returned. Disputed with XXXX. Charges authenticated by Capital One. 

Contacted Capital One on XX/XX/XXXX. They did not have my correct address but verified identity so I could go online in order to review account statements. Reviewed account statements on XX/XX/XXXX. Received text message from Capital One on XX/XX/XXXX that I had missed another payment but could still make a minimum payment of {$140.00} that day. Attempted to access statements again online but was unable to. Called Capital One several times. They would not waive late charges and fees double the original amount. Processed payment of {$140.00}. Contacted XXXX XXXX by chat. They were unable to verify the initial charge from XX/XX/XXXX or an active account or subscription in my name. 

Another claim opened XX/XX/XXXX and documents uploaded XXXX Called on XX/XX/XXXX told claim denied because it was past 180 days since transaction. Submitted complaint to FBI XXXX # XXXX and XXXX NM Police XXXX submitted on XX/XX/XXXX. Opened another dispute with Experian with additional documentation. The company knows the charge can not be authenticated but has accepted a {$140.00} minimum payment with another {$200.00} scheduled for XX/XX/XXXX. The physical card has been cut in half never to be used again. This is fraud, abuse and a colossal waste of my time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am filing this complaint because TRANSUNION failed to conduct a proper and reasonable reinvestigation of inaccurate information appearing on my credit report, in violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ). Despite submitting a detailed dispute with supporting evidence on XXXX XXXX, the disputed account was either improperly verified, not corrected, or no meaningful investigation was performed. This failure has caused ongoing harm to my creditworthiness and may also violate other federal protections under the FDCPA, TILA, and DoddFrank Act. I am requesting the CFPB to intervene and ensure compliance, a lawful reinvestigation, and permanent correction or removal of the inaccurate item.

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 2025-05-13 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: WA

Complaint narrative:
I am submitting a formal identity theft complaint. I have filed an FTC Identity Theft Report and provided supporting identification documents. There are multiple unauthorized hard inquiries and two fraudulent accounts on my credit report that I did not authorize or initiate.

These items are the result of identity misuse and must be removed under FCRA Section 605B. I am requesting that all unauthorized entries be permanently deleted based on the evidence provided. 

Please process this request accordingly and confirm that these records will be removed. 
XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Account 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 2025-05-13 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: GA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: GA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: IL

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief