vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I am writing to formally dispute and address violations of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and related consumer protection statutes.

Under 15 U.S.C. 1681, Section 602, I am entitled to the protection of my privacy with respect to the collection, dissemination, and use of consumer information. Additionally, pursuant to 15 U.S.C. 1681b ( Section 604A, Subsection 2 ), a consumer reporting agency is prohibited from furnishing a consumer report to any person or entity without the consumers written instruction or authorization. If such a report has been furnished without my consent, it constitutes a direct violation of federal law.

Furthermore, under 15 U.S.C. 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose if the payment was received by XXXX XXXX. on the due date. If I have been penalized or reported negatively despite timely payments, such action is unlawful. 



These violations have caused harm to my credit reputation and financial standing. I hereby request immediate correction of all inaccurate or unauthorized information, cessation of any further unauthorized actions, and a full investigation and written response to this dispute in accordance with federal requirements. 



Please be advised that I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and seek legal remedies if this issue is not resolved promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: IN

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX AND EQUIFAX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: AZ

Complaint narrative:
Today ( XX/XX/year> ) I received a message from American Express informing me that, after a " recent review '' of my accounts, all of my credit card accounts have been canceled due to what they describe as " indicia of misuse. '' They also stated that these accounts are not eligible for reinstatement, and that I am permanently barred from redeeming my Membership Rewards points. 

However, I have not misused my accounts in any way. I have always paid my bills on time, have not engaged in fraud, and have used the cards responsibly. I called AMEX customer service to ask for clarification, but they refused to explain what specific actions triggered the account closures, only referring me to their general Cardmember Agreement. 

I am alarmed by both the lack of transparency and the permanent nature of the penalties they have imposed without giving me a chance to understand or respond to the alleged misuse. I am also concerned about the impact this might have on my credit report and whether any derogatory remarks were submitted to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I am complaining, The Experian, company because they lower my credit score for no reason and won't update it my score credit. I have consistently paid off my monthly loan on time, but the credit company does not update my remaining balance or credit score accordingly. However, they promptly deduct points from my credit score if I am late with payments or try to apply for another loan.

Last Two month I am not make a payment my car loan beacuse I lost my job and my company destroy so that they make quickly dedacted like bad person. Other thin last 7 years a go, I toke loan phone and I was pain full but the company XXXX they charged me fake bill but they don't accept and give him the Experian that was my credit reprot company buy when I tell is bill isn't correct they don't accept same XXXX. 

Then I stoped the Experian company. But the Experian, they started to fight me because they want to forcefully take money from me or severely destroy my credit score. Then they are invading my financial life, my future, and they are not doing anything for me. They seem to only be taking advantage of my information and they have not helped me in any way, only causing me problems. 

The reason I included the other two companies The 30 days of when they receive the dispute with the result of their investigation. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX is that they are the same company, only the names differ. The data in Experian is in the other two companies. That's how I included them and also I saw other companies are same these part. I don't know when they get my information and who gave him. So that, I request

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 2025-04-30 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 a victim of identity theft. Ive never gave anyone permission or authorizarion to to open these fradulent accounts on my 3 credit reports. Someone has stole my identity and ruined my life and credit. This needed to be addressed and these negative accounts removed. 
Inquiries are as follows XXXX, XXXX XXXX, XXXX 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 2025-04-30 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: NC

Complaint narrative:
I am a victim of identity theft. Ive never gave anyone permission or authorizarion to to open these fradulent accounts on my 3 credit reports. Someone has stole my identity and ruined my life and credit. This needed to be addressed and these negative accounts removed. 
Inquiries are as follows XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
Subject : Discriminatory Practices and Unjust Account Closure by FNBO Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against FNBO ( First National Bank of Omaha ) for what I believe to be discriminatory and unjust practices regarding my account. My name is XXXX XXXX, and I have been the owner of XXXX XXXX, a catering and event planning business, since 2021. I have a flawless personal and business credit history, and I have always been diligent in ensuring that my financial activities are in line with all required regulations and standards. 

In the recent past, I was approved for a XXXX XXXX Rewards Card by FNBO. However, only a couple of months after my account was opened, FNBO locked my card and demanded that I send notarized copies of my drivers license, signed copies of my Social Security card, my most recent personal and business tax returns, and any other documents they deemed necessary. I complied with these requests promptly and provided all the information they requested. 

Despite my full compliance, FNBO decided to close my account, stating that I posed an unnecessary risk. I find this to be absolutely false. Given my impeccable credit history and business track record, I am certain that there was no legitimate reason to close my account. 

It is my firm belief that FNBOs actions were discriminatory in nature. In my opinion, they are engaging in practices that target individuals based on factors unrelated to financial responsibility or creditworthiness, such as specific zip codes, last names, or other non-financial factors. I found several forums where other consumers have shared similar negative experiences with FNBO, and it appears that these actions are not isolated incidents. Many individuals have become victims of FNBOs questionable and, in my opinion, unlawful actions. 

This behavior must be addressed, and I am hopeful that the victims of FNBOs discrimination will soon come together to file a class-action lawsuit against the company for their unlawful activities. As a consumer who has been wronged by FNBO, I am requesting that the CFPB take immediate action to investigate this matter thoroughly and hold FNBO accountable for their discriminatory practices. 

I expect a full investigation into FNBOs actions, as well as a prompt resolution to this issue. If needed, I am prepared to provide additional documentation to support my claims. 

Thank you for your time and attention to this urgent matter. I look forward to your response. 

Sincerely, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, CA XXXX Phone : XXXX Email : 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 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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 2025-04-30 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: AK

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 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 2025-04-30 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: AK

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 2025-04-30 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have enclosed a copy of my FTC identity theft report ( FTC Report Number : XXXX ) to support my identity theft claim. 

Under 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 

The following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX As required by 15 U.S.C. 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report any information that contains fraudulent data. 

I have already contacted Equifax multiple times to report these fraudulent accounts, but neither bureau has resolved the issue. I am being seriously affected, as this situation prevents me from acquiring a new home for my children. These accounts have been previously disputed and were not verified by other bureaus, so I do not understand why they continue to appear and are being claimed as mine. 

I have formally requested original contracts or evidence of authorization from the companies reporting these accounts, and after more than 60 days, I have not received any response. 

Please help me by ensuring these accounts are permanently deleted from my credit report. I am attaching the FTC report as legal support for this request and trust that the CFPB will make a fair and appropriate decision in my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: FL

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

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

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 2025-04-30 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:
I have no knowledge of these inquiries, and they seem to be unauthorized and possibly fraudulent. I request immediate action to resolve this matter. Please review the attached documents for further clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: MD

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Pursuant to the Fair Credit Reporting Act ( FCRA ), you are required to verify the accuracy and validity of any disputed information within 30 days of receiving this notice. Additionally, if the disputed information is the result of a data breach, it must be deleted or blocked within 4 business days. If the information can not be verified, you are legally obligated to remove it from my credit report. 

I have provided an affidavit affirming that my credit report contains fraudulent accounts and unauthorized inquiries. In light of this, I strongly urge you to delete or block the disputed items immediately to prevent further harm and avoid escalation. 

If you are unable to verify the disputed items in accordance with the FCRA and continue to report them, I will be left with no choice but to seek legal remedy for actual damages and declaratory relief under FCRA 616 Civil Liability for Willful Noncompliance [ 15 U.S.C. 1681n ]. A copy of this provision is enclosed for your reference. Under this statute, I reserve the right to file suit in an appropriate state or federal court, including small claims court. 

I trust this matter will be resolved swiftly and in full compliance with the law.

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 2025-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
Phh mortgage made me pay a full month the first of XXXX then they charged me an additional XXXX and are not willing to credit that amount. My mortgage payment is XXXX They charged me XXXX for the month and I have been getting conflicting information from them on this first escation manager said the XXXX was for my XXXX payment and just pay XXXX on XX/XX/XXXX Then they said they could not credit the overage of XXXX and owe fir XXXX the entire XXXX I am frustrated as I'm on social security am XXXX and can't afford this as I'm on a very tight budget My account number is XXXX Their phone number is 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