vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I have been a victim of identity theft and someone was using my information to obtain goods and services. I have never opened up a bank account with Citi bank this account is due to fraud there are XXXX accounts a checking & savings 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 2025-02-03 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding. 
( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

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 2025-02-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding. 
( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

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 2025-02-03 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: CO

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: VA

Complaint narrative:
After recently checking my credit report, I believe that I've been a victim of identity theft and found numerous accounts and credit inquiries of which I have no knowledge of. I have attached an FTC Report. I conrm that these accounts and inquiries were made without my authorization. I request that the following accounts and inquiries be removed from my credit report immediately : TransUnion - XXXX XXXXINQUIRY - XX/XX/XXXX TransUnion - XXXX XXXX INQUIRY - XX/XX/XXXX TransUnion - XXXXXXXX XXXX XXXXXXXX INQUIRY - XX/XX/XXXX TransUnion - XXXX XXXX INQUIRY - XX/XX/XXXX TransUnion - XXXXXXXX XXXX INQUIRY - XX/XX/XXXX Experian - Inquiry Name : XXXX XXXX - XX/XX/XXXX Experian - Inquiry Name : XXXX XXXX - XX/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 explanation
Consumer complaint received 2025-02-03 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: MD

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. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 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: VA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 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: NY

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding. 
( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Flexible Finance, Inc.
State: TX

Complaint narrative:
I am hoping I picked the correct option to where this type of service falls. For the past almost XXXX XXXX, the company, pays your rent and takes the first half on the XXXX of any given month and then you have to pay the second half by the XXXX, BUT they give you the chance on the second half to move the payment date anywhere in the last half of the month if something comes up. I ran into a very serious financial situation in XXXX of XXXX, the first half was paid on XX/XX/year> and through the month, ended up with a serious financial strain and moved the second payment a couple times through the app hoping things would get better, but unfortunately they didn't for a little while into the month of XXXX, we were finally able to pay the second half on XX/XX/year> and then after faithfully for almost XXXX XXXX of NEVER missing a payment, with he second payment not EVEN XXXX XXXX late, they cut me off of the program, basically punishing me for a ONE TIME EVENT, and I have had to face humility each month since XX/XX/XXXX, that they cut us off, to make arrangements each month by paying the first half to the leasing office by the XXXX and the other half on the XXXX of each month since. We have just recently emailed the company, and again, because of ONE situation in almost XXXXXXXX XXXX, they are denying us the use of the service and keep telling us that there's nothing they can't do, that it's supposedly " automatic '' and they can not change anything manually. This company has been a Godsend for the almost XXXX XXXX and then they just dump us like trash for a ONE TIME EVENT and it shouldn't be like that as I struggle as it is. All I want, is access back to the program. I can defiantly see if this was a common issue during the almost XXXX XXXX with this company, but only one time and that's it, you're treated like dirt in their eyes. It's not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: U.S. BANCORP
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear Sir/Madam, Re : Dispute of Credit Report Information and Alleged Non-Compliance under Section 1681O of the Fair Credit Reporting Act I am writing to formally dispute the information listed on my credit report, which I believe is inaccurate and constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 1681O. This section pertains to the responsibility of consumer reporting agencies to maintain accurate and complete information, and I believe there has been a negligent failure to comply with the reporting requirements in my case. 

Details of the Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Explanation of the issue : incorrect balance, outdated information, incorrect status. 

I believe this information is inaccurate due to the following reasons : incorrect information regarding the status of an account. 
I have made reasonable attempts to resolve this matter with the creditor, but they have not provided adequate response or correction, which constitutes a failure to comply with the duties outlined under Section 1681O of the FCRA. 

As required by law, I request that you conduct a thorough investigation into this matter and correct any inaccuracies, or delete the information if it can not be verified. If no resolution is found or the reporting is not updated in accordance with the law, I will take further action to ensure my rights are protected under the FCRA. 

Please notify me in writing with the results of your investigation and the actions taken to resolve this dispute. As per Section 1681i ( a ) of the FCRA, I expect to be informed of the outcome within the required 30-day period. 

Sincerely 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 2025-02-03 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: ALLY FINANCIAL INC.
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear Sir/Madam, Re : Dispute of Credit Report Information and Alleged Non-Compliance under Section 1681O oXXXX the Fair Credit Reporting Act I am writing to formally dispute the information listed on my credit report, which I believe is inaccurate and constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 1681O. This section pertains to the responsibility of consumer reporting agencies to maintain accurate and complete information, and I believe there has been a negligent failure to comply with the reporting requirements in my case. 

Details of the Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Explanation of the issue : incorrect balance, outdated information, incorrect status. 

I believe this information is inaccurate due to the following reasons : incorrect information regarding the status of an account. 
I have made reasonable attempts to resolve this matter with the creditor, but they have not provided adequate response or correction, which constitutes a failure to comply with the duties outlined under Section 1681O of the FCRA. 

As required by law, I request that you conduct a thorough investigation into this matter and correct any inaccuracies, or delete the information if it can not be verified. If no resolution is found or the reporting is not updated in accordance with the law, I will take further action to ensure my rights are protected under the FCRA. 

Please notify me in writing with the results of your investigation and the actions taken to resolve this dispute. As per Section 1681i ( a ) of the FCRA, I expect to be informed of the outcome within the required 30-day period. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: AL

Complaint narrative:
Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law. I am writing to formally dispute information/accounts on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S. C 1682 ( i ), which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Equifax failure to conduct proper investigations. Specifically, in a lawsuit filed against Equifax, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. As per 15 U.S.C 1681i ( a ) ( 1 ) ( A ), Equifax is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15U.S.C 1681i ( a ) ( 5 ), any information found to be accurate, incomplete or unverifiable must be promptly deleted. Failure to adhere to these requirements constitutes a violation of federal law. I hereby request that Equifax : Conduct a thorough reinvestigation of the following disputed accounts listed below XXXX. XXXX XXXX - XXXX ( XXXX ) XXXX  XXXX ( XXXX XXXX XXXX DELETE ACCOUNT XXXX. XXXX XXXX XXXX -No past due XXXX XXXX XXXX- I have no knowledge of This Collection Agency, I never signed an agreement with this company nor received any goods or services with this company. I am Requesting a Debt Validation- ( 1 ) Original Contract with my wet signature on it ( 2 ) Purchase Agreement ( 3 ) Rights to Collect in the state of XXXX ( 4. ) Chain of Assignment ( 5 ) Securitization ( XXXX ). Bill of Sale ( DELETE ) 5. XXXX XXXXl- XX/XX/year> NO DATA ( DELETE ) 6. XXXX XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) -DELETE 7. XXXX XXXX has XXXX XXXX and 1st delinquency 8. XXXX XXXX XXXX has ND 9. XXXX XXXXXXXX - 15 U.S.C 1681i ( a ) and 15 U.S.C 1666 ( b ) Timing of Payment- 15 U.S.C 1681 Section 602 and 604 ( a ) XXXX. XXXX XXXX XXXX -15 U.S.C 1666 ( b ) and 15 U.S.C 1681 section 602 and 604 ( a ). XXXX. XXXX XXXX 's XXXX XXXX ( XXXX ) XXXX ( XXXX ) DELETE. Provide me with all documentation used to verify the accuracy of the disputed information. Delete any information that can not be verified or is inaccurate, as mandated by law. Given the recent CFPB findings, I expect Equifax to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. Comply with your obligations under the FCRA Law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
My original loan for the with Rushmore Mtg. When I had problems paying they called themselves managing my property. They incurred over {$58000.00} in so called repairs on the property. This amount enough to actually restore the total XXXX family house into good living conditions. Apparently they were allowing workers inside to do nickel and dime work at high prices. The level of expense did not match any improvement. Then they changed everything to Rushmore servicing and amortized all the mortgage owed from XXXX to XXXX percent. Then they are adding in a balloon payment for this mortgage after XXXX  years

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-02-03 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: VA

Complaint narrative:
After recently checking my credit report, I believe that I've been a victim of identity theft and found numerous accounts and credit inquiries of which I have no knowledge of. I have attached an FTC Report. I conrm that these accounts and inquiries were made without my authorization. I request that the following accounts and inquiries be removed from my credit report immediately : XXXXXXXX XXXX - XXXX - I do not recognize this at all. - Delete this immediately.

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