vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-26 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:
The Consumer Financial Protection Bureau ( CFPB ) has repeatedly documented Equifaxs failures in properly investigating consumer disputes, even leading to legal action for violating the Fair Credit Reporting Act ( FCRA ). This ongoing non-compliance is unacceptable, and I refuse to let my credit profile suffer due to EquifaxXXXX  negligence.

Federal law ( 15 U.S.C. XXXXi ) is clearEquifax is legally required to conduct a proper reinvestigation of any disputed information within XXXX  days. Any data that can not be verified with 100 % accuracy must be removed from my report immediately. I demand that these errors be addressed without delay, as their presence is actively harming my financial standing. I will not ignore any further non-compliance. 

XXXX  - XXXX**** XXXX - XXXX XXXX  - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 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: TX

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time. 

I demand the late payment reported to be removed/updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: MI

Complaint narrative:
Im responding to the response the company sent me. They said the account XXXX XXXX XXXX was acquired on XX/XX/2024. But it was reported to the credit bureaus as an account opened on XX/XX/2024. Theycannot report the date that the collection agency acquired an account to my credit report as the date the account was opened. That is an inaccuracy, and should be removed from my credit reports immediately. They are deliberately goingagainst the FCRA laws just to defame my name. They decided to be untruthful in their response. I have attached a screenshot for proof that they indeed reported this account as opened on XX/XX/2024.

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 2025-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
XX/XX/XXXX Received mortgage statement with additional fees, supposedly for an escrow account. I never authorized or requested an escrow account be started. I have always ( since having the loan for last XXXX years ) paid my insurance and property taxes as direct pay/out of pocket. 

XX/XX/XXXX Paid my mortgage, less the escrow fees attached. 
My mortgage payment has not been applied towards my balance and sits in the account as " unapplied. '' I have called on at least XXXX occasions and spoken with customer service in escrow department and insurance department, requesting that the account be deleted and corrections on my mortgage be made ( including the refund of late fees being charged. ) Insurance department stated that they needed proof my insurance was paid in full, which I provided. I changed from XXXX XXXX to XXXX XXXX XXXX in XX/XX/XXXX, but did so while I was still covered by XXXX XXXX, so there was never any lapse of coverage. Insurance department at NewRez stated that they had everything they needed. 
I've spoken numerous times and followed up with emails and letters to the escrow department as they stated they would do an escrow analysis and send us the findings. This was to be done in XXXX when I first started complaining. According to NewRez, they opened an analysis on XX/XX/XXXX but we've also been told it was started on XX/XX/XXXX. I can not get anywhere with the individuals I speak with on the phone- everyone giving me different information and not once have I received follow-up written communication from NewRez. I only receive threats of foreclosure, statements stating that I am deliquent, etc, etc. I am ready to hire an attorney, but I've been advised to go this route first. I've been told by legal counsel that NewRez can not open an escrow account without my authorization. I do not need any escrow account. My insurance agent stated that in XX/XX/XXXX, NewRez contacted him and told him to switch my account to mortgagee paid. This was done without my authorization. And my insurance and taxes had already been paid in full in XX/XX/XXXX so there was no need. I need help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have attempted to contact Experian to unfreeze my account but my account information and log in is incorrect and I need help resetting my account. It's impossible to speak with a customer service agent. The number they provide on their website does not give the option of connecting you anyone. Getting in touch with customer support shouldn't be this difficult. I have been on hold for XXXX minutes after I found a different number to call on a forum.

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 2025-02-26 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: FL

Complaint narrative:
This morning, I discovered an unauthorized inquiry on my credit report, and I have no idea how it got there. I regularly check my report, but this time, I noticed unexpected discrepancies. I even refreshed my browser, hoping it was a glitch, but the inquiry remained. This is extremely frustrating, and I need this issue addressed immediately. Please review the documents Ive submitted carefully so I can finally have peace of mind.

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 2025-02-26 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:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2025-02-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am writing to file a formal complaint against Midland Credit Management ( MCM ) concerning their handling of an alleged debt, which I believe involves multiple violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Issues : XXXX. Inaccurate Reporting and Lack of Debt Validation : MCM has reported this debt to credit bureaus with inconsistent amounts that do not match the original agreement. 
Despite my written requests, MCM has failed to provide validation of the debt, including a copy of any signed agreement or contract. 
XXXX. Unlawful XXXX Practices : MCM has contacted me before XXXX XXXX and after XXXX XXXX, violating FDCPA guidelines. 
They have continued communications via email without my consent, despite my written request for them to cease all communications, as stipulated in 12 CFR 1006.6 ( c ). 

Violations : FCRA Violations : Reporting inaccurate and inconsistent information to credit bureaus. 
Failing to correct inaccuracies after being notified. 
FDCPA Violations : Communicating at prohibited times. 
Continuing communication after a written cease request. 
Failing to provide proper debt validation upon request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
RECIEVED NOTICE FROM CREDIT BUREAUS XXXX ACCOUNT XXXX XXXX XXXX PUT A COLLECTION ON MY XXXX XXXX FOR AN ADDRESS I NEVER LIVED AT I SENT THEM FTC REPORT CLAIMING FRAUD AND SENT POLICE REPORT BESIDE THAT THEY REPORTED A BALANCE OF {$470.00} THEN REQUESTED VALIDATION THEY SENT A BILL THAT I OWE {$890.00} ALL FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: PA

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 enclosed 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 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 2025-02-26 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: DE

Complaint narrative:
The following accounts are claiming to both own the same debt with a balance. As you know, this is not possible and also a violation of my rights. Because of this, BOTH accounts need to be removed from my credit report immediately due to not properly validating the information in which a company has passed to you. Please delete immediately. 
When the requested above deletions are made, please mail me an updated copy of my credit report Account XXXX : ( Experian ) ( XXXX ) Account XXXX : ( Equifax ) ( 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 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC
State: NV

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX XXXX XXXX XX/XX/XXXX TRANSWORLD SYSTEM INC XXXX XXXX XXXX XXXX XXXX XXXX Washington, PA XXXX XXXX Subject : Dispute of Incorrect Account Opening Date Dear TRANSWORLD SYSTEM INC, I am writing to formally dispute the incorrect account opening date reported on my credit report with your institution. According to my records, the account was opened on [ XX/XX/XXXX ], but my credit report ( or your records ) incorrectly lists the opening date as [ XX/XX/XXXX ]. According to my records, the original creditor ( XXXX XXXX XXXX states that the financial history in regards to the collection started on [ XX/XX/XXXX ] This discrepancy may negatively impact my credit history, and I kindly request that you investigate this matter and update your records accordingly. Enclosed, I have included copies of relevant documents, such as account statements or confirmation letters, to support my claim. 

Please correct this error and notify the credit bureaus of the updated information. Additionally, I request a written confirmation once the correction has been made. If any further information is needed, please do not hesitate to contact me at XXXX Thank you for your prompt attention to this matter. I appreciate your assistance in ensuring the accuracy of my account information. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: PA

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 non-monetary relief
Consumer complaint received 2025-02-26 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:
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 enclosed 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 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 2025-02-26 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 writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
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. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Eastern Account Systems of Connecticut, Inc.
State: FL

Complaint narrative:
i notice a account on my credit so i contacted the company. ( XXXX XXXX ) during the conversation they kept referring to me as XXXX XXXX and assiated a address that had nothing. to do wit me ( XXXX XXXX XXXX XXXX ). i inform them that that wasnt me and they continue to to ask me question trying to pry information out of me so they could try tocorrect there file. the second company ( EASTERN ACCOUNT SYSTEM ) i had the exact experience as the first company.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am not aware of any such inquiries, thus it looks that this one is unauthorized and false. Please act right now to resolve this problem.

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 2025-02-26 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: TX

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed. 
Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft.

Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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:
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 2025-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I am filling a complaint against Cash app ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection Act ( CFPA ). Specifically, Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These action have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have called Citi a total of 13 times in a span of 2 months, in hopes of settling my charged off account. My initial call as on XXXX where I stated what my objective was. They stated that my account wasnt opened in which they needed to forward it to send a request to have it opened. They told me to call back in 5-7 business days. When I called back on the XXXX XXXX, there wasnt any progress and told me to call the credit bureau to pay them. This was false information after contacting them. I called back on the XXXX and there wasnt any progress at that time either. I requested to talk to a manager at internal recover department. They kept telling me to call back in XXXX business days for an update. So I called back again on XXXXXXXX XXXX  XXXX XXXX, and XXXX with no different alternative but to keep calling back. They explained it usually just takes 7 days for an account to open and couldnt provide a reason for the delay. I kept calling back on XXXX XXXX, and XXXX with no progress or resolution.

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