vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-21 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: FL

Complaint narrative:
On XX/XX/XXXX I received an email from one of my creditors stating that my credit limit had been reduced to {$650.00} from {$10000.00}. The card was opened on XX/XX/XXXX and was in good standing. I contact the XXXX XXXX trying to understand what went wrong. The agent from XXXX credit card verified that I never missed a payment, never late payment, always paid more than minimum. I was told a decision was based in whole or part on information received from Equifax, so I went on to contact Equifax on XX/XX/XXXX. The agent at Equifax stated that I had XXXX balance, which was incorrect. Ive always carried a balance on that card, and that the reason they didnt have the correct information was because of the lender, so I submitted a dispute.The following day XXXX received an email from XXXX XXXX card credit card XXXX XXXX me that credit limit had been reduced from {$8300.00} to {$4000.00}. On XX/XX/XXXX I I received the credit report. I was very disturbed to see that all accounts were showing no data since XX/XX/XXXX dates of last payments are incorrect, and last reported dates also incorrect, key factors that affected my credit score were incorrect also. I have submitted three dispute with Equifax so far issue has not been resolved. I believe that the issue is with Equifax and not the lenders. I have about 15 credit cards every single one of them is showing no data available since XX/XX/XXXX with Equifax some are even showing closed though I am actively using them. I need help with this, I am a senior citizen and Ihave worked very hard to keep my credit in good standings to have this happened to me now. I am concerned that other credit lenders will also follow suit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
I am constantly getting treating emails from an attorneys office threatening legal action against me. I never applied for a loan and I recently found out my personal information is on the Dark web. Im constantly being harassed by loan companies saying my loan was approved but I never applied for a loan

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: OR

Complaint narrative:
I submitted an IDR application on XX/XX/year> to switch my repayment plan from SAVE to IBR. The servicer told me it would take 60 days to process. It's been more than 60 days and the application is still not completed. Whenever I called, the wait time was hours long and I never got to talk to a real human.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Statewide Credit Services Corp.
State: NY

Complaint narrative:
This company sent a letter stating I owed money. I responded advising I'm not familiar with the debt. I requested details and explanations. I am familiar with their client as I did use them in the past, and we parted ways. I officially disputed this in writing. a phone call from them was useless, they did not care to listen or respond to my verbal request. 

I sent 3 letters in response to theirs, the last one certified, and they still refused to answer. 

There is now a derogatory report on my credit, all unproven, unexplained, and without any due process. 

It seems like a crime to me for a collection company to be able to attach my credit with a negative remark, all unproven.

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 2025-01-21 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have checked my credit report and I have discovered fraudulent accounts on it XXXX XXXXXXXX opened on XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, are fraudulent accounts.

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 2025-01-21 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: FL

Complaint narrative:
Upon reviewing my TransUnion credit report, I found multiple discrepancies and issues that require urgent attention. These include accounts and inquiries that are not mine and appear to have resulted from identity theft : Collections and Charge-offs : XXXX XXXX XXXX XXXX Listed as charged off with a balance of {$7800.00} as of XX/XX/year>. I have no affiliation with this account, and it was reported incorrectly. 
XXXX XXXX : Indicated as a paid charge-off but notes " Account closed by credit grantor, '' which does not align with my records. 
XXXX XXXX XXXX : Erroneously reported with derogatory remarks. This account does not belong to me. 
XXXX : Displayed as delinquent, though I have never had any association with this entity. 

Unauthorized Inquiries : There are 7 hard inquiries listed over the past two years, none of which were authorized or tied to any legitimate application I made. 

Incorrect Personal Details : Several outdated or unrelated addresses, such as those in XXXX, FL, remain on my profile, which is inaccurate. 

These inaccuracies have had a damaging impact on my credit score and financial situation.

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 2025-01-21 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I attempted to obtain a My Lowes Credit card via their online web page which only accepts a US driver 's license as a form of ID. I made numerous calls to various numbers at Synchrony Bank ( backers of My Lowes Credit cards ) as well as two numbers at Lowes : XXXX and XXXX. At the second number I spoke with a lady who said she was head of the department. She advised me that if that is the case I should submit a complaint with the appropriate agency and perhaps if enough complaints were submitted Lowes would change their policy. She advised she could not help me further. I then called the Credit Dept. at XXXX and spoke with a man who identified himself as XXXX, an Account Manager, Employee Number XXXX and he advised me that in order to obtain a US credit card one required a US ID. Please note that I own my own home in Florida and have other US credit cards even though my primary residence is in 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 2025-01-21 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: FL

Complaint narrative:
I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit.Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history.This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Equifax and XXXX credit reporting agencys, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card accounts, collections and loans.These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXXT - XXXX XXXX XXXX DATE- XX/XX/XXXX ACCOUNT- XXXX XXXX XXXX -DATE- XX/XX/XXXX ACCOUNT - XXXX  DATE- XX/XX/XXXX ACCOUNT- XXXX  XXXX - XXXX XXXX XXXX, XXXX, ACCOUNT- XXXX XXXX XXXX  DATE- XX/XX/XXXX and all inquiries attached, I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit.Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history.This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX and Experian credit reporting agencys, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card accounts, collections and loans.These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XXXX XXXX XXXX DATE- XX/XX/XXXX ACCOUNT- XXXX XXXX XXXX -DATE- XX/XX/XXXX4 ACCOUNT - AXXXX  DATE- XX/XX/XXXX ACCOUNT- XXXX XXXX - XXXX XXXX XXXX, XXXX, ACCOUNT- XXXX XXXX XXXX, DATE- XX/XX/XXXX and all inquiries attached, I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft 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 2025-01-21 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
i have discovered a fraudulent account on my report from XXXX XXXX XXXX I with the account number XXXX, opened on XX/XX/year>.

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 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/2024 I received an email form Equifax that there was a data breach on my credit report. My information was and exposed and compromised in this data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to dispute the following negative items listed on my credit report : XXXX XXXX XXXX - XXXX - {$2300.00} Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> These items remain unverified and raise serious concerns about their legitimacy. I have made numerous attempts to resolve these inaccuracies by submitting disputes and providing supporting documents, but I have yet to see any action taken to correct them. This inaction has had a detrimental impact on my financial stability and has taken a severe toll on my personal health. The ongoing stress caused by these unresolved issues has made it difficult for me to focus on daily life. 

As outlined in the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report free of unverified and inaccurate information. I ask that you investigate these matters thoroughly and resolve them immediately to ensure compliance with federal regulations.

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 2025-01-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: WA

Complaint narrative:
Hi, In XXXX we entered a forbearance plan in XXXX we made XXXX payments because we did not pay the month of XXXX. And in XXXX we made a half payment and a full payment. I noticed when I went to make the last payment I made in XXXX it said I was still behind. I sent the company an email with bank statements. I later received an email back stating I will receive an answer XX/XX/XXXX, I never did so I called. We are now in XXXX and still my issue is not fixed and the company no longer answers my email.

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 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The below inquiries were made illegally and unauthorized on my credit file. I did not request, agree to or allow the below companies to run my credit whatsoever. I have fraud alerts set up on my credit file and no one called me to verify that it was truly me making the request. Very disappointed with this situation. I am requesting the immediate removal of all inquiries listed expeditiously. 

XXXX XXXXXXXX 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 2025-01-21 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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: MO

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Social Security Number : XXXX XX/XX/year> Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX Subject : Request for Removal of Unauthorized Hard Inquiries Due to Identity Theft Dear, EQUIFAX I am writing to formally request the removal of unauthorized hard inquiries from my credit report. After a recent review, I discovered several hard inquiries that I did not authorize, which are negatively impacting my credit score. 
The unauthorized inquiries related to identity theft are as follows : Please remove inquiries below XXXX XX/XX/year> XXXX XXXX XX/XX/year> Under the Fair Credit Reporting Act ( FCRA ), XXXX have the right to dispute any inaccurate information on my report. Since I did not authorize these inquiries, I am requesting their immediate removal. To assist with verification, I have enclosed a copy of my ID, a recent utility bill, and my credit report with the unauthorized inquiries highlighted. 

Additionally, I have filed an FTC identity theft report with the Consumer Financial Protection Bureau ( CFPB ). 

Please investigate these inquiries and remove them from my credit report at your earliest convenience. I would appreciate confirmation once the removal is completed or guidance on any further steps required. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX Social Security Number : XXXX XX/XX/year> Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Subject : Request for Removal of Unauthorized Hard Inquiries Due to Identity Theft Dear, EQUIFAX I am writing to formally request the removal of unauthorized hard inquiries from my credit report. After a recent review, I discovered several hard inquiries that I did not authorize, which are negatively impacting my credit score. 
The unauthorized inquiries related to identity theft are as follows : Please remove inquiries below XXXX XX/XX/year> XXXX XXXX XX/XX/year> Under the Fair Credit Reporting Act ( FCRA ), XXXX have the right to dispute any inaccurate information on my report. Since I did not authorize these inquiries, I am requesting their immediate removal. To assist with verification, I have enclosed a copy of my ID, a recent utility bill, and my credit report with the unauthorized inquiries highlighted. 

Additionally, I have filed an FTC identity theft report with the Consumer Financial Protection Bureau ( CFPB ). 

Please investigate these inquiries and remove them from my credit report at your earliest convenience. I would appreciate confirmation once the removal is completed or guidance on any further steps required. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief