vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: MIDFIRST BANK
State: NY

Complaint narrative:
I am XXXX XXXX XXXX, my XXXX XXXX XXXXXXXX discounts are increasing XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My discounts are maximum allowed 50 % across all taxes by XXXXXXXX XXXX XXXX XXXX outsources their escrow, XXXX demanded a copy of the tax bill prior to discounts.. If they were knowledgeable about the process they would know that there is not a bill before tax reductions. It is a formula, which calculates your invoice based on the towns rates. How ridiculous that they do not know that.. They claimed they called town hall. The tax contact has not record of the request. I am a XXXX XXXX XXXX XXXX. raising an young adult with XXXX, strict budget. They are unreasonable, XXXXXXXX XXXX is antiquated, I mailed copies of the town papers showing all discounts .. How do you deal with such a stupid bank? According to the town my taxes next year should be roughly {$1300.00} less. I refuse to give this bank any more to hold on to I am calling them next week.. I prefer to email them to have proof, every person has a different answer since they outsource their escrow department.. DO you know you can only mail information to them, no idea how long it takes to get to correce department.. As soon as rates drop Im will to give up my FHA to get rid of XXXXXXXX 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 2025-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-03-21 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Your response to CFPB complaint XXXX fails to address my primary demandthe immediate deletion of this account from my credit report. I did not request an update, nor does initiating an investigation absolve your responsibility to ensure accurate reporting. While you claim that your company does not control how the consumer reporting agencies display the information you furnish, the CRA 's can only report what is provided by you. Under 15 U.S.C. 1681s-2, furnishers have a legal obligation to ensure the accuracy and integrity of the information they provide. Given the discrepancies in reporting, you have already demonstrated noncompliance with this requirement. 

Furthermore, I have documented proof that this account was deleted and subsequently reinserted onto my credit report without the legally required notification, violating 15 U.S. Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). You were required to notify me within five business days of reinserting the item and certify that it was properly validated, yet you failed to do so. This is a clear violation of federal law, and I demand its immediate removal. 

As stated previously, you are incorrectly reporting a 120-day late payment status when collection accounts can not legally be reported as past due. Additionally, this account is beyond the applicable statute of limitations, making any legal enforcement invalid. Due to these clear violations, I demand the immediate removal of this account from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: 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 response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: WY

Complaint narrative:
Subject : Deletion Request for Improper Credit Inquiry Under 15 U.S.C. 1681a ( 2 ) ( B ) and ( C ) Complaint : This is a formal request for the deletion of an unauthorized inquiry from my credit file. 

Creditor Name : XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX Creditor Name XXXX XXXX Date of Inquiry : XX/XX/XXXX Pursuant to 15 U.S.C. 1681a ( 2 ) ( B ) and ( C ), this inquiry does not qualify as a consumer report, as I am the third party who requested credit, and I did not authorize the use of my Social Security number or consumer file in this transaction. The banks involved misrepresented my identity by reporting the inquiry as though I were the consumer identified by SSN, when in fact I acted in my private capacity. 

Because this was not a valid consumer report under federal law, and no permissible purpose existed for furnishing it under my SSN, this inquiry must be deleted. 

Please investigate and confirm removal of this fraudulent and improperly attributed inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: Avant Holding Company, Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 602, which states I have the right to privacy. 15 USC 1681 section 604 ( A ) section 2 also states a consumer reporting agency CAN NOT furnish an account without my written instructions. Under 15 USC 1666 ( B ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I purchased a new home and after shopping around for a carpet company, decided to go with Lowe 's in XXXXXXXX XXXXdue to the extended interest rate deferral ( two years ) that I was promised in store. In fact, on the day I ordered the carpet, the store representative made a call to ensure that I would be given the two-year interest rate deferral. 

Last month, while reviewing my statement I realized that my balance had ballooned above where my previous balance was. When I called Synchrony ( third-party credit provider ) I was informed that interest had been added to my initial purchase, which added {$700.00} to my balance, because I did not complete payment within one year. I explained to them that that was not the terms I had agreed to and that I had been making my payments to correspond with a 24-month pay off.

Despite this and my contest, Synchrony has refused to adjust the amounts.

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 2025-03-21 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: IA

Complaint narrative:
After thoroughly reviewing my TransUnion credit report, I was appalled to find serious inaccuracies that should have never been reported. These errors are more than simple mistakesthey are actively harming my creditworthiness and restricting my financial opportunities. I refuse to let misinformation dictate my future and demand an immediate, thorough reinvestigation. 

The following accounts require urgent attention : Inaccurate Charge Off Reporting ( TransUnion ) XXXXXXXX XXXX XXXX Account # : XXXX - Balance : {$0.00} XXXX  - Account # : XXXX - Balance : {$0.00} Under the Fair Credit Reporting Act ( FCRA ), I have the right to a fully accurate and verifiable credit report. If these disputed accounts can not be substantiated with solid, irrefutable evidence, they must be removed at once. This is not a requestit is a demand for compliance with federal law. Any failure to correct these errors will be considered willful negligence and will not go unchallenged.

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 2025-03-21 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: RI

Complaint narrative:
Please take action to remove the unauthorized accounts from my credit report as soon as possible. I did not initiate or authorize them and do not recognize their origins. As per USC 1681g, I am requesting their removal within 15 days. The necessary documents are attached for review. Furthermore, there are discrepancies in the account details, as different information is being reported to each bureau.

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 2025-03-21 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: AZ

Complaint narrative:
Someone opened a XXXX XXXX credit card under my name and spent {$750.00} without my consent. This is a case of stolen identity and fraud.

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 2025-03-21 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: AZ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( 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 2025-03-21 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: World Acceptance Corporation
State: TX

Complaint narrative:
I am writing to dispute the accuracy of the information reported on my credit file regarding a closed-end installment loan originally obtained from World ( XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. According to the information provided by World, this account was sold to XXXX XXXX XXXX on XX/XX/XXXX. However, World continues to report details of this account on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), all information furnished to credit reporting agencies must be accurate and reflect the current status of the account. As World is no longer the owner of this account, their continued reporting of the account is misleading and potentially inaccurate. I also request that World provide proof of the original account documentation and validation of the debt per the Fair Debt Collection Practices Act ( FDCPA ) as applicable. 

Please investigate and verify the following : That the account originally reported by World is accurately updated to reflect that it has been sold to XXXX XXXX XXXX. 
That World is not continuing to furnish obsolete or inaccurate information regarding this account. 
That any documentation supporting the current status and chain of ownership of the debt is provided. 

If you are unable to validate this information, I request that the entry be corrected or removed from my credit report immediately. Please complete your investigation within 30 days as required by the FCRA and provide me with written confirmation of your findings. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 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: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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:
I have attached a FTC report with a fraudulent account as well as I have listed 3 fraudulent inquires to be removed under FCRA 605b FCRA 15 usc 1681B should also apply as this account is unfairly impacting my credit and my ability to obtain credit for legitimate purposes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: CA

Complaint narrative:
I have attached a FTC report with a fraudulent account as well as I have listed 3 fraudulent inquires to be removed under FCRA 605b FCRA 15 usc 1681B should also apply as this account is unfairly impacting my credit and my ability to obtain credit for legitimate purposes.

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 2025-03-21 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: TX

Complaint narrative:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
My ex-girlfriend, authorized 3rd party card holder, XXXX XXXX, has been trying to get her payment information on the account updated ; however, every time she has called, she is being told they can not assist because she is my ex-girlfriend. Why the change? She is the one that used the card and has made every single payment. Furthermore, she used to call before and your customer service representatives were able to assist her. If there has been a change in your policy, customers like me would have appreciated a heads up. She has not used the card since 2023, when I canceled it in error. Nonetheless, she has continued to pay on it. We co-parent a child and our relationship is good. Im aware she is paying on it and would like to ask she is authorized again. Recently she got a new checking account because she lost her checkbook and as a security measure she was recommended to get a new checking account. She told me recently that she was assessed a couple of late fees and most likely a return check fee, please have the courtesy of waiving the fees, based on the disservice she received and to help her as she is trying her best to pay the balance down. You already get enough just with the interest you collect.

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 2025-03-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: AZ

Complaint narrative:
XX/XX/XXXX I wasnt able to get into my account I called cashapp customer support they helped me create a new account to get into my other account where I had money in my savings. Someone charged my name on my account and XXXX was stolen two transactions were made in my account one for bitcoin and the other to an unknown cash app user with the cash app tag XXXX  XXXX from my account cash app said they will investigate it and Im currently waiting for their customer support to contact me. I really need help getting my money back I have children to support please help me I also made a police report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-03-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
XX/XX/year> I spoke with XXXX XXXX through chat. I was trying to negotiate the debt. XXXX made it a point to be pushy and rude to me during the process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
Received a call from XXXX XXXX XXXX on XX/XX/XXXX, they hung up after asking for my name, I researched the number and it appears to belong to SEQUIUM DEBT XXXX XXXX XXXX XXXX # XXXX, XXXX, GA XXXX, Agent did not identify themselves, I keptasking who is this and they hung up. Moments later I get notifications from experian they posted a collection to my account. Today XX/XX/XXXX they posted same collection to XXXX and XXXX. Today XX/XX/XXXX they even made a harassing phone to my sister in law, agent named " XXXX '', it appears they are trying to collect a debt that is not verified? I have received no formal notice of any kind. Calls made from agents appears to be scummy as they don't identify themselves. I have filed a police report with city of XXXX California XXXX. I intend to sue for violation of debt collection and harassing calls that do not comply with federal law. I am requesting FTC/CFTB to assist in issuing this company a fine and removing these unverified, unlawful collection marks immediately from my experian, equifax and XXXX credit file.

Company response to consumer: Closed with non-monetary relief