vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-24 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 filed a dispute on XX/XX/XXXX because I am unable to add my income information into the experian account and on XX/XX/XXXX I received a response back form experian stating that my complaint was about having an account removed from my credit report and that experian verified the accuracy of the account. THAT WAS NOT MY COMPLAINT WHATSOEVER. You have completely missed the boat. 

My complaint is as follows : I am unable to add my income information to my Experian Credit profile for over 90 days. I have brought this to Experian 's attention and it was assigned to Experian 's engineers and product team, according to Experian. They have no timeline of when this will be resolved nor an explanation of why it is occurring. In my opinion there is a promotional block on my credit profile internally, that they do not know how to remove. Without being able to add my income information, it prevents me from being able to access and interpret all of the features of my credit file that resides with Experian. It also is blocking other companies from being able to view my credit file and determine eligibility for credit products. This is discrimination. Two other members of my very own household have absolutely zero problem adding their income information to their credit profiles and as a result, they are not blocked from potential creditors checking their reports for eligibility of certain credit products. I have inquired repeatedly for several months about the resolution of this and they continue to acknowledge it exists but will not resolve it or provide a timeline of when it will be resolved. Additionally I received a postcard from Experian on XX/XX/XXXX telling me that Experian has removed my name from the preapproved credit offer mailing list for 5 years. I never requested this. I also am including a front and back copy of the postcard received.

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 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IL

Complaint narrative:
This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page. 
Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do no
t have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3 rd parties you are damaging my reputation and damaging my creditworthiness.

Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these inquiries from my credit report. Please provide me with an updated credit report showing items removed. 

Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have & quot; verified & quot ; the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization NOTE : ATTACHED IS PROOF OF IDENTITY WHICH IS SOCIAL SECURITY VERIFICATION AND ID FOR NAME AND ADDRESS AND FTC REPORT SENT!!!!!!!!!!!!! 
THANKS IN ADVANCE Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name XXXX  XXXX XXXX Account Number XXXX Reason for dispute__WITHOUT EFFECTIVE CONSENT_ Account Amount_ {$9700.00} Account Name XXXX  Date XXXX Account XXXX Reason for dispute_WITHOUT EFFECTIVE CONSENT Account Amount {$2800.00} Account Name XXXX  Date XXXX Account Number XXXX Reason for dispute_WITHOUT EFFECTIVE CONSENT Account Amount__

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
So many different situations I would need to write a book. Thr most egregious of which was thr distribution of XXXX funds and how it was applied on a loan whose original maturity date was XXXX of XXXX. A loan that was up to date in XXXX of XXXX and was supposed to be paid up to date in XXXX of XXXX through XXXX of XXXX but still owing over {$50000.00}, 8 or more property inspections in a year at {$30.00} each, charging fines while going through their self imposed modification they came up with when I had XXXX income. And when I was able to pay after receiving survivor benefits was not allowed to make any payments

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am disputing the following accounts on my credit report due to inaccurate late payment remarks that must be corrected immediately. These errors are unjustly impacting my credit profile and must be addressed in full compliance with federal law.

Under the Fair Credit Reporting Act ( FCRA ), the credit bureau handling this dispute is legally required to conduct a thorough investigation into these inaccuracies. If an error is identified, the bureau must ensure the immediate correction or update of the late payment remarks to reflect accurate reporting.

I will not accept a generic response stating that an investigation has been completed. I demand a detailed breakdown of every step taken during this process, including : What sources were contacted for verification What documentation was reviewed How the information was confirmed to be accurate A failure to properly investigate or correct these inaccuracies constitutes a violation of the FCRA. I expect full compliance with federal regulations and a timely resolution to this matter. If my legal rights are disregarded, I will have no choice but to escalate this issue further.

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 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
to whom this may concern I pulled a copy of my credit report and noticed a charge off, which is defined as debt that has been XXXX that your agency took a tax write off on. After I contacted the IRS, they explained that it was illegal that you were reporting this information on my credit report, with trying to collect or having a charged off status Furthermore, the IRS has directed me to file Form 3949A for illegal tax violations upon your company to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I made a XXXX purchase thru Affirm in the amount of {$760.00} ( loan id XXXX ) ; however, they have only refunded me partially of {$380.00}. I am due a remaining refund for the remaining {$370.00}. XXXX even advised me to dispute and get the refund directly thru Affirm and Affirm still has not complied. Please see attached screenshots.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: CMG Financial Services, Inc.
State: MO

Complaint narrative:
We received a letter stating our XXXX payment was short XXXX. My husband and I called the company to ask why payment is showing short when we paid the amount told over the phone XXXX for XXXX We also did loan modification. We talked to XXXX resolutions person, I do not believe XXXX was supervisor when I requested to talk to XXXX. I asked why XXXX payment is short only told be told that the modification could change. So, I asked why payment is different after our XXXX payments in XXXX and XXXX applied. Was finally told due to escrow short, letter was received does not indicate that only do not send short payments. I asked for this in writing. I was told we could not get XXXX. But XXXX indicates he see how this could be misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all XXXX  credit bureaus on my credit report.

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 2025-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: TX

Complaint narrative:
This amount of {$260.00} was paid in full on ( approximately ) XX/XX/year>. I have attempted to reach out to XXXX and I did reach XXXX XXXX who verified that there was no balance and no third part company should be attempting to collect. I asked her for verification so I could send to company and because XXXX has gone out of business all of the records are lost. Further making this companys attempt to collect on an expired paid debt malicious. This is XXXX XXXX XXXX and they are trying to ruin my life XXXX for a perceived debt from XXXX  years ago for which the legal statue of law forbids. I want this removed from my credit report now. I intend to exercise all my rights under the fair debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This CFPB complaint has been submitted in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ) to formally request that Experian and Equifax, as a credit reporting agency, block the fraudulent information on my consumer credit report within four business days of receiving this complaint. The following accounts do not belong to me and were fraudulently opened without my authorization : These accounts have led to multiple unauthorized hard inquiries and collections appearing on my consumer FICO credit report. All of the listed accounts, collections, and inquiries are the result of identity theft and fraud. As evidence, I have attached a copy of the FTC Identity Theft Report from the U.S. Federal Trade Commission, confirming that these items are fraudulent. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> XXXX. Identity Theft XXXXXXXX XXXX Account Number : XXXX PLEASE BLOCK THIS FRAUDULENT INFORMATION 3. Identity Theft XXXX  CARD Account Number : XXXX PLEASE BLOCK THIS FRAUDULENT INFORMATION 4. Identity Theft XXXX Account Number : XXXX PLEASE BLOCK THIS FRAUDULENT INFORMATION 5. Identity Theft XXXX Account Number : XXXX PLEASE BLOCK THIS FRAUDULENT INFORMATION

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 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page.

Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3 rd parties you are damaging my reputation and damaging my creditworthiness.

Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these inquiries from my credit report. Please provide me with an updated credit report showing items removed.

Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have & quot; verified & quot ; the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization NOTE : ATTACHED IS PROOF OF IDENTITY WHICH IS SOCIAL SECURITY VERIFICATION AND ID FOR NAME AND ADDRESS AND FTC REPORT SENT!!!!!!!!!!!!!

THANKS IN ADVANCE Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name XXXX Date openXXXX Account Number XXXX Reason for dispute__WITHOUT EFFECTIVE CONSENT_ Account Amount_ {$9700.00} Account Name XXXX  Date open_XXXX  Account Number_XXXX Reason for dispute_WITHOUT EFFECTIVE CONSENT Account Amount {$2800.00} Account Name BANKRUPTCY Date openXXXX Account Number XXXX Reason for dispute_WITHOUT EFFECTIVE CONSENT Account Amount__

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I am an international student currently pursuing my graduate studies in the United States. My bank account is primarily used for paying tuition, rent, utilities, daily expenses, and occasional transfers with friends. I have always followed the law and complied with all regulations. However, my bank account was forcibly closed in XXXX. I reached out to multiple representatives, but the only response I received was that no explanation would be provided, and they decided to terminate their cooperation with me after XXXX XXXX. I do not understand why this happened.

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 monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

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 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK
State: IN

Complaint narrative:
Well according to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Discoverbank ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Discover bank ) and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Discover bank ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Discover bank ) never has informed me of my right to exercise my nondisclosure option. Also, 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX both arent maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of their reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
The issue began in January 2025. I was told when starting a new utilities service that I had a freeze on my credit report. I did not request the freeze, so I contacted the XXXX bureaus. There was no problem with either XXXX or XXXX, and I was able to get my credit report from both of them. 

However, I was unable to get my credit report or information about the freeze online from Equifax, so I called them, and the representative told me I had no credit file associated with my name and social security number. I tried all past names as well ( maiden name, former marriage name ). He said that my social security number had a different name with it and could not tell me what the name was. He told me I could mail in my documentation ( driver 's license, social security card ) and a cover letter, so I did. I requested a correction of my file, a copy of my free credit report, and to stop the freeze. 

Several weeks later, I received a letter back from Equifax saying they could not respond to my request because they were " unable to locate a credit file '' for me. I am certain that I have credit established and that the information is being reported correctly to the other bureaus because my files with XXXX or XXXX are correct. 

I am at a standstill with Equifax because they claim I have no file, and since they won't tell me what name IS associated with my social security number, I have no way of accessing whatever information they have. Apparently sending in my documents was not enough to convince them to fix the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My information was stolen and credit was open in my name that I didn't authorize

Company response to consumer: Closed with explanation