vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XX/XX/year> To Whom It May Concern, In accordance with the **Fair Credit Reporting Act ( FCRA ), Section 609 ( 15 U.S. Code 1681g ) **, I am requesting that you not only remove these obsolete addresses, but also investigate and delete any negative, collection, or other derogatory accounts that may be associated with these incorrect addresses and that can not be properly verified.

Under **FCRA Section 611 ( 15 U.S. Code 1681i ) **, you are required to conduct a reasonable investigation of any disputed information and remove any unverifiable or inaccurate data. If a derogatory item is linked to an address that is not mine, and can not be confirmed as accurate, it must be deleted from my file. 

Please remove any personal address information that is no longer valid or has been incorrectly associated with my credit history, and ensure that any accounts tied to those addresses are fully verified or removed in accordance with federal law. 

Attached you will find proof of my identity and current residence for verification purposes. 

Thank you for your prompt attention to this matter. I look forward to receiving written confirmation once these corrections have been made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My current and only valid address is : XXXX XXXX XXXX XXXX, MD 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 2025-04-14 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: TX

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: LA

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 explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I suspect that there has been attempted fraud with my information. Several new accounts have I visited the Experian website on XX/XX/year>, and called the help line the same day. I can not log in to my account. The password reset email is to an address that I have never used, the phone number is not to my phone, and I am concerned that someone has access to my account, and they may be committing fraud. I tried calling the help line, but the automated system could not help me, and there was no possible way to speak to a specialist or representative.

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 2025-04-14 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: MS

Complaint narrative:
XXXX XXXX XXXX Metro 2 Compliance Request for Account XXXX To Whom It May Concern, I am writing to formally dispute the reporting of the account referenced above as it appears on my credit report. In accordance with the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX XXXX XXXX XXXX XXXX ) Metro 2 guidelines, I am requesting that your company investigate and verify the accuracy and completeness of the information you are furnishing.

Under Metro 2 standards, data furnishers are required to report consumer credit data accurately, completely, and in a timely manner. I believe the reporting of this account violates those standards due to the following : [ incorrect balance, inaccurate payment history, wrong account status, 120 day late payment inaccuracy due to loan being deferred Under 15 U.S. code 1681 S 2A furnishers must report accurate information. Under 15 U.S. code 1681 I credit bureaus must perform a reasonable investigation within 30 days. Under U.S. code 1692g dictates that debt collectors must send a written notice to consumers within five days of initial contact, detailing the debt amount, creditor name, and the consumer 's right to dispute the debt. 

If the information can not be fully verified and validated in compliance with Metro 2 format guidelines and FCRA requirements, I respectfully request that the account be corrected or removed from all consumer reporting agencies to which it was reported. 

Please provide a written response confirming the results of your investigation and any action taken within 30 days, as required by federal law. 

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 2025-04-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: CNG FINANCIAL CORPORATION
State: AZ

Complaint narrative:
XX/XX/2025 they sent me a text at XXXX in the XXXX, then they called me multiple times within XXXX minutes of each other at XXXX, I was still sleeping then they decided to call my brother multiple times and I never gave them consent to contact family members in which I never put their numbers down as references. I have screen shots for all of this. This is harassment and I want this debt deleted from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: SC

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX SC XXXX SSN : XXXX XXXX : XX/XX/year> Equifax XXXX XXXX XXXX XXXX GA XXXX Dear EQUIFAX, To whom this may concern, I pull my consumer report and witness and circled a lot of inaccuracies. That is destroying my consumer report. These negative items have been placed on my consumer report without my ( CONSENT )! 15 U.S.Code 1681 ( a ) ( 4 ) decree and declares that I the consumer has the right to privacy.

AFFIDAVIT Notice, it is a fact, I, the affiant is a consumer has the right to privacy pursuant to 15 U.S.Code 1681 ( a ) ( 4 ). { EQUIFAX } has violated my right to privacy by furnishing private information about me without any lawful authority or my written consent.

15 U.S.Code 1681 ( b ) - CRAs must follow reasonable procedures. Must be fair and equitable to the consumer. My consumer rights have been violated many times with negative items placed on my consumer report without my consent.

AFFIDAVIT Notice, it is a fact, I the affiant and the consumer is aware, all consumer reporting agencies, must follow reasonable procedures pursuant to 15 U.S.Code 1681 ( b ). The reasonable procedures listed in the affidavit herein were not followed and this a violation of 15 U.S.Code 1681 ( b ).

15 U.S.Code 1681a ( 2 ) ( A ) ( iii ) - The consumer must be given a chance to direct the information whether they want the information about a transaction they had to be reported or not. This is referenced in the XXXX XXXX XXXX XXXX. 


AFFIDAVIT Notice, it is a fact, I the affiant and consumer are aware, a consumer must be given a chance to direct whether they want the information about a transaction to be reported or not. This is referenced in the XXXX XXXX XXXX. I the Affiant was not given the chance to opt-out of having this reported information about { ACCOUNTS NAMES AND NUMBERS } not being reported and is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( iii ) and must be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Charged off Account need to be removed JPMCB Card XXXX XXXX XXXX XXXX, DE XXXX Subject : Formal Dispute and Validation Request for Charged-Off Account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC
State: WA

Complaint narrative:
I am submitting this complaint regarding my mortgage servicer, Loancare, and their handling of a partial claim and loan modification that occurred approximately XXXX year ago. 

I was delinquent on my mortgage for about XXXX  months due to COVID-related hardship. As part of an approved loan modification and XXXX  partial claim program, an approximately {$81000.00} partial claim was issued to bring my account current. That was in XX/XX/year>. My monthly payment before the modification was approximately {$1900.00}, which included about XXXX  % principal, XXXX  % interest, and XXXX % escrow. 

However, the first statement following the modification showed that only XXXX % of the partial claim was applied to principal, while nearly XXXX % was applied to interest. Escrow was correctly allocated. Loancare applied nearly {$39000.00} to interest which exceeds the amount i could have owed since the interest rate was only XXXX %. 

As a result of this misallocation, my outstanding principal balance remained thousands of dollars higher than it should have been, leading me to pay hundreds of dollars in additional interest over the past year ( now at a post-modification rate of XXXX % ). This harms me financially every month and inflates my loans future payoff amount. 

I have asked Loancare for a breakdown of how they applied the partial claim, how interest was calculated during the arrears period, and whether their application aligns with XXXX program rules. So far, they have only told me to submit requests by physical mail and have not responded with any clear or substantive information. This is urgent as I am under contract to sell the house and I do not feel the payoff statement is accurate due to the misapplication of the partial claim amounts. The difference to me is over {$10000.00}. I am attaching relevant portions of the statements showing calculations before and after the modification and partial claim. Please let me know if I can provide anything further. Thank 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 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I 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 XXXX 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 XXXX of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL, XXXX XXXX XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Unauthorized Credit Inquiry Under FCRA ( 15 U.S. Code 1681b ) Dear Equifax, I am writing to formally dispute a credit inquiry that appears on my credit report. I recently reviewed my credit file and found an inquiry from [ Company Name ], dated [ Inquiry Date ], that I do not recognize and did not authorize.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b, a credit inquiry can only be made with a consumers consent or for specific permissible purposes, such as a firm offer of credit, insurance underwriting, or employment ( with permission ). To the best of my knowledge, none of these conditions apply in this case. here are the Unauthorized inquiries listed below : XXXX XXXX XXXX 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 Please provide the following : 1. The name and contact information of the party that initiated the inquiry.

2. Documentation showing that I authorized or initiated this inquiry.

If you can not verify that the inquiry was authorized, I request that it be removed from my credit report immediately, per the FCRA.

I have enclosed a copy of my government-issued ID and a copy of my social security card Thank you for your prompt attention to this matter. Please confirm receipt of this letter and inform me of the results of your investigation. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: TN

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 XXXX XXXX XXXX XXXX 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 2025-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TN

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filling a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices, which violates 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 Regulations E. These actions 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 2025-04-14 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: MO

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

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 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I 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 explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Dear PayPal Credit XXXX XXXX, Someone has tried to call again, and I'm in the hospital being treated, in and out of surgery. I would like to know if this is resolved once and for all. I never even wanted the PayPal credit account and was talked into it, and it has been nothing but trouble and fraud after fraud. The email and bank accounts keep getting altered. I have removed all that information now, so it can no longer be accessed while I rectify this identity theft mess. This PayPal credit balance and account do not currently belong to me. It shows an alnico of {$120000.00}, which needs to be removed, and the total account is closed. I want my regular PayPal account open as I have had it for numerous years and never had trouble with this before. 
Thank you for your help and time. 
I have already sent in multiple dispute letters as instructed, and it has been well over XXXX  days, but it still needs to be handled. I want this resolved and updated without any more delay. This seems wrong. 
Thank you 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 2025-04-14 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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