vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-29 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: AZ

Complaint narrative:
I am the victim of identity theft. A fraudulent XXXX XXXX XXXX  account was opened in my name without my knowledge or authorization. On XX/XX/year>, I initiated a formal dispute with Equifax regarding this account and submitted a complete identity theft packet, which included my FTC Identity Theft Report and supporting documents. 

Following that, I also mailed identity theft packets to both XXXX XXXX Bank and XXXX XXXX ( who is reporting as the debt collector for this account ). These packets included the same documentation and made clear that I did not open this account and that I was requesting its removal under the Fair Credit Reporting Act. 

As of today, neither XXXX XXXX nor XXXX XXXX has responded to my mailed disputes, and Equifax has failed to delete or block the fraudulent account from my credit report. This is a direct violation of FCRA 605B, which states that once a valid identity theft report is submitted, the credit reporting agency is obligated to block the account from the report within XXXX business days. 

Because of XXXX failure to act, I am now being sued by XXXX XXXX XXXX  in small claims court for a debt that I do not owe. This legal action is a direct consequence of Equifaxs negligence and refusal to remove inaccurate and fraudulent information from my credit report. 

I am requesting immediate deletion of the XXXX XXXX XXXX account from my Equifax report, a full reinvestigation of my dispute, and written confirmation that the account has been permanently removed. If this is not resolved, I will escalate the matter further and pursue legal action for damages related to this violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: AZ

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2025-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: GA

Complaint narrative:
This letter serves as notice that my credit report has fraudulent accounts due to a data breach. 
Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$430.00} XXXX XXXX XXXX - Account Number : XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$430.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXX  - Account Number : XXXX * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} Inquiries 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

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 2025-05-29 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: CA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: FL

Complaint narrative:
Under the FDCPA and FCRA, verification is not just a name matchit is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance.

I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting. 

I never had an account with XXXX XXXX, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law. 

This account is still within the federal debt validation window, per 1006.34. Failure to comply will result in further action to seek justice for the harm caused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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:
This is my formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: EdFinancial Services
State: MS

Complaint narrative:
I have called the number listed in the sheet that was mailed to me by the date listed numerous times and can never get anyone on the phone to discuss my issues with. I have stayed in hold for hours and no one answers the phone. I have looked on their website for information on these XXXX private loans and there is none. I need to consolidate the loans as the interest rates are so high i can not make any dent in them. I need help. Thank you. I see that there are complaints about XXXX  and I need answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: LoanCare, LLC
State: MI

Complaint narrative:
MULTIPLE ATTEMPTS TO SUBMIT NOTARIZED DOCUMENTS THAT WERE DENIED THAT HAD TO BE RESENT AND EXPIRED. PROVIDED INCORRECT INFORMATION MULTIPLE TIMES BY REPRESENTATIVES ON THE PHONE. SENT INCORRECT INFORMATION VIA MAIL. I AM STILL UNDER REVIEW AND I HAVE RECEIVED NOTICE I AM IN PRE FORECLOSURE.

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 2025-05-29 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: CO

Complaint narrative:
These companies pulled up my credit report without my authorization and this has hurt my credit and credit score. I have contacted Equifax and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me anxious for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: WI

Complaint narrative:
PHH did escrow Analysis incorrectly and incorrectly and abruptly inflated my payment and now they abruptly lowered my payment and won't apply any current and future payments until I pay the fictious inflated payment for one month?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: NJ

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY

Complaint narrative:
I pay balance of Bank of America credit card in full monthly. XX/XX/year> payment was accidently paid twice. I realized my error with XXXX hours of scheduling the payment and canceled the payment online. Next day I saw the payment was still taken from my checking account. I called BofA. Was told by the agent money would take XXXX billing cycles to get returned. I said that was ridiculous. You took the money within hours you should be able to return it just as quickly. Agent said you should get it back in a couple days, but could take up to XXXX billing cycles. 2 days later money was not returned. I called BofA again. New agent said the exact same response. It has now been XXXX more days and money ( {$2400.00} ) has not been returned.

I use Chase Bank credit card as well. Very easy to cancel or change payment. In fact I pay that card in full monthly as well. Because of my error with over paying BofA I had to change Chase payment to minimum to avoid overdrawing my checking account. Was able to do that easily online the night before.

I need help getting BofA to refund my over payment and something should be done with how BofA handles these situation. They should have similar procedure as Chase. 

Regards 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 2025-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: MI

Complaint narrative:
XX/XX/year> I had a non existent company by the name of " XXXX '' withdraw {$41.00} from my Chime checking account, upon noticing this transaction on my statement I immediately contacted Chime to inform them I've never heard of this company nor had I made any purchases. I tried looking up the name and it's non existent, I checked with XXXX and it does not exist, I informed and sent all the proof to Chime and they still denied my claim, even after canceling my debit card and reissued another one at their request in order to have the funds reimbursed they still denied my reversal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: NJ

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-05-29 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: MD

Complaint narrative:
XXXX XXXX XXXX  Account # XXXX Reporting different across XXXX credit bureaus : Equifax- Repossession/Experian-Foreclosure Balance different across XXXX credit bureaus : Equifax- $ XXXX $ XXXX {$2700.00} Payment Status Incorrect : Equifax- At least 120 days or more than XXXX payments past due Payment history is reporting inaccurately : Experian- XXXX - XXXX, XXXX, XXXX, XXXX as XXXX Experian- XXXX - XXXX through XXXX as XXXX Experian XXXX - XXXX through XXXX as XXXX Equifax- XXXX - XXXX, XXXX, XXXX as XXXX Equifax- XXXX- XXXX through XXXX, XXXX through XXXX as XXXX Equifax- XXXX- XXXX XXXX XXXX as XXXX XXXX XXXX XXXX  Account # XXXX Payment history is reporting inaccurately : Experian- XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX Experian- XXXX - XXXX through XXXX as XXXX Experian- XXXX - XXXX through XXXX as XXXX Equifax- XXXX - XXXX, XXXX, XXXX as XXXX Equifax- XXXX XXXX XXXX through XXXX, XXXX through XXXX as XXXX Equifax- XXXX- XXXX through XXXX as XXXX XXXX XXXX XXXX XXXX Reporting as a collection on TransUnion only. Removed by Equifax and Experian

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: NC

Complaint narrative:
The late payments/derogatory remarks from XXXX XXXX have been removed by XXXX XXXX XXXX so I would like it removed from my TransUnion report as well. Under the Fair Credit Reporting Act, Section XXXX, I am requesting an investigation and correction of inaccurate information. This account is reporting differently on my TransUnion report compared to the other credit bureaus, and I am requesting a correction to ensure all reports are accurate and consistent.

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 2025-05-29 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:
PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax Information Services LLC XXXX. XXXX XXXX XXXX, Ga XXXX Subject : Dispute of charge off accounts-No 1099-C FORM received To whom this may concern, I am writing to formally dispute a charge-off account listed on my Equifax credit report. Below are the details of the account in question : Creditor name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Charge-off Date : Unknown This account has been reported as a charge-off ; however, I have never received a 1099-C form from the creditor or financial institution indicating that this debt was officially canceled or forgiven, as would be required under IRS and Fair Credit Reporting Act ( FCRA ), if a debt s truly charged off and canceled, the creditor is typically required to file a 1099-C and issue a copy to the debtor. The absence of this form raises questions about the validity and final status of this account, and whether it was legally canceled or is still collectible. 

I am requesting the following under the FCRA : That Equifax investigate and validate the current reporting status of this account, including whether the creditor can verify the charge-off and provide documentation supporting the alleged cancellation of debt. 
That, if the account can not be verified or is found to be inaccurately reported, it be corrected or removed from my credit file. 
That I be proved with written confirmation of the results of this investigation and an updated copy of my credit report. 
Also when I pull my report its given me XXXX different company names XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX why are XXXX different creditors reporting. Pulled XXXX reports 20 days apart. 

Attached are copies of my identification and relevant documents for your reference. 

Thank you for your prompt attention to this matter. Please let me know if any additional information is needed. 

Sincerely, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Dear CFPB, American Express ( Amex ) recently closed all of my credit card accounts without prior notice, citing " indicia of misuse '' in an email. However, they provided no specific explanation or evidence of any wrongdoing on my part. 

What is even more concerning is that Amex has refused to refund the annual fees I paid on the closed cards, and has also confiscated all the Membership Rewards points I had accumulated. 

I believe this action is unfair, opaque, and potentially a violation of consumer rights. I am requesting CFPB to investigate this matter and require Amex to : - Provide a detailed explanation of the " indicia of misuse '' - Refund all annual fees charged on the closed cards - Give back the Membership Rewards points I have always maintained good payment history and never engaged in any prohibited activity to my knowledge. 

Please help ensure fair treatment and transparency in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: FL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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