vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-24 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:
XXXX XXXX XXXX XXXX XXXX. 
XXXX, TX. XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Dispute of Inaccurate Credit Report Information Dear Consumer Financial Protection Bureau , I am writing to formally dispute multiple inaccuracies on my credit report. I recently reviewed my credit report and found errors that need to be corrected as they do not accurately reflect my credit history. Below are the details of the disputed items : Items Being Disputed : Creditor Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Error Description : OWNERSHIP Under 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to maintain maximum possible accuracy of consumer reports. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), credit bureaus must correct or delete inaccurate, incomplete, or unverifiable information within 30 days of receiving a dispute.

I have attached copies of relevant documents, including my credit report with the disputed items highlighted, a copy of my identification, and any supporting documents that verify my claim.

I request that these errors be investigated and corrected promptly. Please provide me with written confirmation once the changes have been made. If the information can not be verified, I ask that it be removed from my credit report immediately, as required by law.

Thank you for your time and attention to this matter. I appreciate your prompt resolution and look forward to your response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. 
XXXX, TX. XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Dispute of Inaccurate Credit Report Information Dear Consumer Financial Protection Bureau , I am writing to formally dispute multiple inaccuracies on my credit report. I recently reviewed my credit report and found errors that need to be corrected as they do not accurately reflect my credit history. Below are the details of the disputed items : Items Being Disputed : Creditor Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Error Description : OWNERSHIP Under 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to maintain maximum possible accuracy of consumer reports. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), credit bureaus must correct or delete inaccurate, incomplete, or unverifiable information within 30 days of receiving a dispute.

I have attached copies of relevant documents, including my credit report with the disputed items highlighted, a copy of my identification, and any supporting documents that verify my claim.

I request that these errors be investigated and corrected promptly. Please provide me with written confirmation once the changes have been made. If the information can not be verified, I ask that it be removed from my credit report immediately, as required by law.

Thank you for your time and attention to this matter. I appreciate your prompt resolution and look forward to your response. 

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 explanation
Consumer complaint received 2025-03-24 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: NJ

Complaint narrative:
I am writing to dispute a number of credit inquiries listed on my Equifax credit report that were made without my express authorization and, in my view, lack a permissible purpose under the Fair Credit Reporting Act ( FCRA ) and applicable New Jersey state law. I hereby demand that Equifax either furnish me with original documentationcomplete with a wet ink signatureproving that I authorized these inquiries, or remove them from my credit file immediately. ALSO Remove accounts that are inaccurate and as FCRA laws protect the right of Consumers. ALSo to follow NJ and Federal LAws pertaining to Identity theft from Equifax failure to protect consumer data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: MoneyLion Inc.
State: IL

Complaint narrative:
I requested validation of this debt, and no proof has been provided within the required timeframe under FDCPA Section 809 ( b ). I dispute its validity and request its removal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, ( TransUnion, Experian, Equifax, XXXX XXXX ) the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This inaccurate and false information consists of a business and personal credit card account and collection account opened at XXXX XXXX in XXXX and XXXX under the account numbers XXXX for my XXXX XXXX XXXX and for my XXXX for my XXXX XXXX XXXX. These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I have had fraud on my account that kept reoccurring since XXXX and because of that, my accounts were closed. All my accounts are at a XXXX XXXX. The aforementioned collections on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit collections and are the result of identity theft and fraud.

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 2025-03-24 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: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I went to open a new bank account in my neighborhood. I gave them my IDs. They told me they could not open an acct because I had a charge off from Citizens bank for {$1000.00} from XXXX XXXX. 

I HAVE NEVER BANKED WITH CITIZENS BANK. I HAVE NEVER APPLIED FOR ANYTHING FROM CITIZENS BANK ie CHECK ACCT SAVINGS ACCT CREDIT ACCTS OR LOANS. 
I dont even know where a branch is located. 
I can only conclude that my identity was stolen. I am on XXXXXXXX XXXX XXXX XXXX. I dont even own a mobile phone as my brother is filing this for me. 
He set up this email acct for me to use. I dont own a desktop or laptop computer and I pay my bills by money order for my home phone and utilities. 

I would think the acct would have to be opened on line. But how would that be possible unless Citizens bank is crap and their security is crap. 
My credit rating is probably ruined now. I cant open a new bank account and I can not get a cell phone which was the reason I went to open a checking acct. I only have a savings acct currently. 
This has caused me undue harm and I want that charge off removed immediately from my credit profile and I want a letter of apology from Citizens bank and compensation for the embarrassment I just went through at the local bank I was going to start a relationship with.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: NY

Complaint narrative:
I am writing to formally dispute the late payment records reported on my auto loan account [ Account Number : XXXX ] as shown in my payment summary. Upon review, I believe that these late payment notations may be inaccurate and could be a result of finance charge miscalculations under the Truth in Lending Act ( TILA ) 15 U.S.C. 1605 ( a ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
One day while viewing my credit report I see this collection account from a company called XXXX and it collects debt on behalf of charter communication. I have not had any service with this company and I just got a place to live so I believe someone used my information somewhere to get this account but it was definitely not me. I believe this to be fraudulent

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 2025-03-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
on XX/XX/year> I received a text message from my credit card company Barclays XXXX that there were charges on my credit card that i didn't purchase and called them right away and told them they weren't my charges and they cancelled my credit card and sent me a new one, they also told me they were going to remove the charges from my account and dispute them with the merchant. On XX/XX/year> i received an email from Barclays saying that they did an investigation into XXXX of the XXXX charges from " XXXX '' and said that they have determined the activity is valid based on documentation from the merchant. I don't know what documentation they provided because i never signed for any of these XXXX charges, the fraudsters had apparently hacked into my XXXX account and even possibly the connecting email and ordered some XXXX  XXXX  for XX/XX/XXXX, they changed the phone number in my XXXX account to get the verification code to approve the XXXX  and transfer them to unknowingly XXXX  purchasers they must have resold them, i have sent Barclays copies of the screenshot i took of this phone number change. I had also explained this to XXXX and they could have done something about it since i called them XXXX  days before the XXXX  game was to start but they said that the credit card company said the charges were valid so they didn't care to figure out who defrauded their system. there were XXXX charges {$250.00}, {$120.00}, {$76.00} but so far XXXX has disputed only the {$250.00}. 
I will swear on a stack of bibles i never charged these XXXX  to my credit card period.

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 2025-03-24 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: TN

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-03-24 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: DE

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. 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 non-monetary relief
Consumer complaint received 2025-03-24 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: IL

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts and inquiries. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: IL

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts and inquiries. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

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 2025-03-25 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
Subject : Immediate Clarification Required Regarding Burden of Proof Dear National Credit Systems, I am writing to address serious concerns regarding my complaint against collection practices that was first reported to CFPB, Complaint ID XXXX ) and the response that was given. It is imperative to state that the burden of proof lies solely with National Credit Systems to validate the accuracy of the debt in question. A debt collector is legally required to provide clear and substantial documentation confirming the legitimacy of this debt, including the original creditor and the exact amount owed. 

As outlined in the Fair Debt Collection Practices Act ( FDCPA ), enacted in 1977 to eradicate abusive debt collection practices ( 15 U.S.C. 1692 ( e ) ), no debt collector, including National Credit Systems, is permitted to use false, deceptive, or misleading representations. Section 1692f explicitly prohibits the use of unfair or unconscionable means in debt collection. Furthermore, section 1692g mandates that they must provide critical informationsuch as the amount of the debt, the name of the creditor, the validity of the debt amount, and an explanation of the consumer 's right to dispute the debtto the consumer. I am requesting the removal of this debt from all credit reporting agencies.

Let me be clear : Congress has established a private cause of action for violations of these provisions. Individuals can hold debt collectors accountable for actual damages, as well as additional damages up to {$1000.00}, along with costs and reasonable attorneys fees ( 15 U.S.C. 1692k ( a ) ).

Given the serious implications of non-compliance with these statutes, I expect National Credit Systems to provide the necessary proof of debt immediately. Failure to do so will leave me no choice but to take legal action to protect my rights. 

I trust you will treat this matter with the seriousness it deserves and I look forward to your prompt response confirming that appropriate action will be taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: AR

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: The CBE Group, Inc.
State: IL

Complaint narrative:
The CBE Group has listed incorrect reporting information on my credit report. I have never had services with the CBE Group or the people gas light and XXXX company. I have never applied for services at either company. This information needs to be removed immediately as according to the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IN

Complaint narrative:
I will admit that I was late on payment on XXXX, so mortgage company XXXX XXXX Mortgage XXXX raised my payments to {$1000.00} a month from {$790.00} a month for me to get caught back up on late fees and other fees, my payments were supposed to go back down to regular payments of {$790.00} after XX/XX/XXXX payment, now they are saying that no such thing was said and that my regular payments are supposed to be {$1000.00} a month, that is so wrong and theyre not working with me, when I got my home payments were {$790.00} a month! Now Im getting sued by other people because Ive been doin the right thing since XXXX of XXXX to get caught up! Im not gon na get done dirty when I try so hard.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: CA

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : inquiries 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

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 2025-03-24 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: IN

Complaint narrative:
15 U.S.C. 1681 is a section of the Fair Credit Reporting Act ( FCRA ) that sets out the purpose and findings of the law. The FCRA is a federal law that governs how credit reporting agencies ( CRAs ) access and use consumer credit information I am requesting the description of reinvestigation procedure according to 15 USC 1681i ( 7 ) states if requested by consumer, this must be provided within 15 days in order to be in compliance with FCRA guideline

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