vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: AMERISAVE MORTGAGE CORPORATION
State: CT

Complaint narrative:
My account with Amerisave is currently past due for months of XXXX and XXXX including late fees as well as NSF fees. A hardship packet was filled out, sent in to Amerisave, received on XXXX, according to USPS tracking. Previously, Amerisave rep requested I pay escrow difference, in which case, payment amount of {$1300.00} crossed between time of posting and request to pay escrow difference ; which was explained in prior CFPB complaint. I believe payment amount of {$1300.00} is short roughly {$200.00}, however, homeowners insurance premium decreased the amount of {$100.00}, in which case, prior rep requested copy of policy which I believe is already on file, notice received showing policy paid by Amerisave, notice not available to me at this time. I requested monthly payment lowered to reflect prior payment as well as premium decrease, Amerisave rep denied request, stating account is currently past due when account was past due when escrow difference initially requested.. The Amerisave rep, XXXX, whom replied previously, appears to have flawed reasoning. As stated before, hardship packet was received on XXXX, I request hardship assistance from Amerisave to bring account current. I've started a second job with XXXX XXXX, payments should come in on time going forward.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: MA

Complaint narrative:
What Happened? 

I am filing this complaint against XXXX XXXX Bank XXXX due to inaccurate and unverifiable information being reported on my credit file. 
This account was closed and paid off, yet it is still negatively affecting my credit score. 
I never missed a payment, yet 60-day late payments are being reported inaccurately. 
I have disputed this multiple times with Experian, Equifax, and TransUnion, but XXXX XXXX Bank has failed to verify or correct the reporting. 
Under FCRA 611, if a furnisher can not verify an accounts accuracy, the information must be corrected or removed from my credit file. 

Requested Resolution : Remove the XXXX late payments from my credit report OR Delete the entire account if it can not be verified as accurate. 
Ensure that Experian, Equifax, and TransUnion update my records accordingly. 

I have attached supporting documents, including dispute records and my previous complaint with the FDIC ( XXXX # XXXX ) regarding this issue. 

Please update me on the status of this complaint as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
hello i am XXXX XXXX, XXXX XXXX i have implemented the bill of exchange act of 1882 with the company GM Financial XXXX. I have sent documents off to them tendering the payment every month for set off of the account. They are not complying with my directives seeing that i hold power of attorney of the account making me the authorize user of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: SC

Complaint narrative:
XX/XX/year> my report shows this account # XXXX owing {$940.00} that has not been verified that it is my account. According to According to the FTC, the relevant code regarding charge-offs on credit reports is Section 623 ( a ) ( 5 ) of the Fair Credit Reporting Act ( FCRA ), which specifies that creditors must provide the date of delinquency when reporting a charge-off account on a consumer 's 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 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am writing to formally dispute several hard inquiries that have been listed on my credit report from [ Credit Bureau Name ]. Upon reviewing my credit report, I have noticed multiple inquiries that I believe were either unauthorized or incorrectly reported. These inquiries are negatively impacting my credit score, and I am requesting that they be investigated and removed in accordance with the Fair Credit Reporting Act ( FCRA ).

Under my rights as outlined in federal law, specifically 15 USC 1692g of the Fair Debt Collection Practices Act ( FDCPA ), I request written validation of this debt.

Please provide the following information : 1. The original contract.

2. The amount of the debt.

3. The name of the original creditor.

4. A detailed explanation of the debt, including any interest, fees, or additional charges.

Under 15 USC 1692c Debt Collectors can not discuss the debt with third parties without the consumers consent, except to obtain location information. I request that all collection activities cease.

Additionally, I would like to highlight 15 USC 1681b of the Fair Credit Reporting Act ( FCRA ), which prohibits obtaining consumer credit information through false pretenses. Any attempt to misrepresent this debt could result in legal consequences for your agency.

Please treat this letter as a formal dispute of the debt in question. I request that you cease all communication with me regarding this matter until you have provided the requested validation.

I expect to receive this validation within 30 days of the date of this letter. This ongoing situation has prompted me to seek assistance from the Consumer Financial Protection Bureau ( CFPB ) to ensure my rights are upheld. 

The following inquiries are being disputed : 1. XXXX XXXX  ( XXXX ) XX/XX/year>2023 2. XXXX XXXX XXXX  XXXX ) XX/XX/scrub> 2023 3. XXXX XXXX ( XXXX ) XX/XX/scrub> 2023 4. XXXX XXXX XXXX XXXXXXXX ) XX/XX/scrub> 2023 5. XXXX ( XXXX  ) XX/XX/year>2023 6. XXXX ( XXXX ) XX/XX/year>2023 7. XXXX XXXX XXXX  XXXX ) XX/XX/year>2023 8. XXXX XXXX  ( XXXX ) XX/XX/scrub> 2023 9. XXXXXXXX XXXX XXXX XXXXXXXX ) XX/XX/year>2023 10. XXXX OF XXXX ( XXXX ) XXXX XXXX, 2023 11. XXXX XXXXXXXX ( XXXX ) XX/XX/year>2023 12. XXXX XXXX ( XXXXe ) XX/XX/scrub> 2023 If any of the above inquiries are found to be erroneous or unauthorized, I request that they be deleted from my credit report as required under the FCRA. Please also provide me with written confirmation of your findings and any corrective actions taken. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am writing to formally dispute several hard inquiries that have been listed on my credit report from [ Credit Bureau Name ]. Upon reviewing my credit report, I have noticed multiple inquiries that I believe were either unauthorized or incorrectly reported. These inquiries are negatively impacting my credit score, and I am requesting that they be investigated and removed in accordance with the Fair Credit Reporting Act ( FCRA ).

Under my rights as outlined in federal law, specifically 15 USC 1692g of the Fair Debt Collection Practices Act ( FDCPA ), I request written validation of this debt.

Please provide the following information : 1. The original contract.

2. The amount of the debt.

3. The name of the original creditor.

4. A detailed explanation of the debt, including any interest, fees, or additional charges.

Under 15 USC 1692c Debt Collectors can not discuss the debt with third parties without the consumers consent, except to obtain location information. I request that all collection activities cease.

Additionally, I would like to highlight 15 USC 1681b of the Fair Credit Reporting Act ( FCRA ), which prohibits obtaining consumer credit information through false pretenses. Any attempt to misrepresent this debt could result in legal consequences for your agency.

Please treat this letter as a formal dispute of the debt in question. I request that you cease all communication with me regarding this matter until you have provided the requested validation.

I expect to receive this validation within 30 days of the date of this letter. This ongoing situation has prompted me to seek assistance from the Consumer Financial Protection Bureau ( CFPB ) to ensure my rights are upheld. 

The following inquiries are being disputed : 1. XXXX XXXX  ( XXXX ) XX/XX/year>2023 2. XXXX XXXX XXXX  XXXX ) XX/XX/scrub> 2023 3. XXXX XXXX ( XXXX ) XX/XX/scrub> 2023 4. XXXX XXXX XXXX XXXXXXXX ) XX/XX/scrub> 2023 5. XXXX ( XXXX  ) XX/XX/year>2023 6. XXXX ( XXXX ) XX/XX/year>2023 7. XXXX XXXX XXXX  XXXX ) XX/XX/year>2023 8. XXXX XXXX  ( XXXX ) XX/XX/scrub> 2023 9. XXXXXXXX XXXX XXXX XXXXXXXX ) XX/XX/year>2023 10. XXXX OF XXXX ( XXXX ) XXXX XXXX, 2023 11. XXXX XXXXXXXX ( XXXX ) XX/XX/year>2023 12. XXXX XXXX ( XXXXe ) XX/XX/scrub> 2023 If any of the above inquiries are found to be erroneous or unauthorized, I request that they be deleted from my credit report as required under the FCRA. Please also provide me with written confirmation of your findings and any corrective actions taken. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I believe that Synchrony Bank has fraudulent closed my CareCredit  account. I have been making payments, however they have closed my account and insisted that it will remain closed for non-payment. Additionally, I have been charged late fees on this closed account. This account continues to accrue additional finance charges.

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 2025-02-01 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:
I am submitting this comment regarding the XXXX data breach, as I have personally experienced significant negative impacts on my credit report since the incident. Following the breach, I have noticed multiple unauthorized entries on my credit report, including : Hard inquiries that I did not authorize Collections accounts for debts I do not recognize Charge-offs that were never associated with my accounts Incorrect addresses added to my credit file Unauthorized credit cards opened in my name These fraudulent activities have severely impacted my credit score and financial security. I believe my personal information was compromised in the breach and subsequently used for identity theft.

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 2025-02-01 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: TX

Complaint narrative:
I am submitting this comment regarding the XXXX data breach, as I have personally experienced significant negative impacts on my credit report since the incident. Following the breach, I have noticed multiple unauthorized entries on my credit report, including : Hard inquiries that I did not authorize Collections accounts for debts I do not recognize Charge-offs that were never associated with my accounts Incorrect addresses added to my credit file Unauthorized credit cards opened in my name These fraudulent activities have severely impacted my credit score and financial security. I believe my personal information was compromised in the breach and subsequently used for identity theft.

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 2025-02-01 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: TX

Complaint narrative:
Multiple disputes still showing after they have been resolved/removed due to fraud and in one instance even paid in full. Have made several disputes dot have them removed/investigated with no luck. One has even come back on my report after being removed due to fraud/identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
So I would like to have a complaint for many credit inquiries by car dealerships and other institutions, where I did not authorized ran my credit and now all of that is affecting my entire credit report because there are around 33 inquiries. I went to a couple dealerships where they HAVENT REQUEST MY AUTHORITY to run my credit and now its bad because of that. I would like to have a help with this since I have a home buy goal and this inquirys are stoping me to achieve it. Please help me out

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: NJ

Complaint narrative:
Equifax continues to allow XXXX to report incorrect data on my credit report. They have placed my credit card as a charge off. They are reporting a past due amount which is a violation. This is a violation of my consumer rights. I demand that the accounts be deleted off my credit reports Immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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: GA

Complaint narrative:
I am submitting this formal complaint to request an immediate and thorough investigation into what I believe to be erroneous reporting of a XXXX XXXX  account on my credit report, account number XXXX. 

Reported Account Details : Account Name : XXXX XXXX  Account Number : XXXX Reported Balance : {$7000.00} Status : Closed, with {$920.00} reported as past due as of XX/XX/year>. 
Nature of Discrepancies : This account listing shows several discrepancies, including inaccurate delinquency reporting and the unwarranted charge-off status : Inaccurate Delinquency Reporting : The credit report indicates delinquencies and a status of 120 days past due in XX/XX/year>, which I firmly dispute. 

Under the Fair Credit Reporting Act, specifically Sections 611 ( 15 U.S.C. 1681i ) and 623 ( 15 U.S.C. 1681s-2 ), consumers have the right to challenge inaccurate information in their credit reports, and furnishers of information are required to correct or delete inaccurate, incomplete, or unverifiable information.

Requested Actions : Conduct a detailed investigation to verify the accuracy of the account information listed under XXXX XXXX  account number XXXX. 
Should this investigation fail to verify the account information accurately, pursuant to FCRA Section 611, require the immediate removal of this account from my credit report.

Review the procedures that allowed this inaccurate data to be reported and ensure compliance with consumer protection laws.

Provide me with written documentation of your findings and the actions taken in response to this dispute.

Attached are copies of documents that support my claim. This information demands prompt and rigorous attention to prevent further damage to my credit and financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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: GA

Complaint narrative:
I am submitting this formal complaint to request an immediate and thorough investigation into what I believe to be erroneous reporting of a XXXX XXXX  account on my credit report, account number XXXX. 

Reported Account Details : Account Name : XXXX XXXX  Account Number : XXXX Reported Balance : {$7000.00} Status : Closed, with {$920.00} reported as past due as of XX/XX/year>. 
Nature of Discrepancies : This account listing shows several discrepancies, including inaccurate delinquency reporting and the unwarranted charge-off status : Inaccurate Delinquency Reporting : The credit report indicates delinquencies and a status of 120 days past due in XX/XX/year>, which I firmly dispute. 

Under the Fair Credit Reporting Act, specifically Sections 611 ( 15 U.S.C. 1681i ) and 623 ( 15 U.S.C. 1681s-2 ), consumers have the right to challenge inaccurate information in their credit reports, and furnishers of information are required to correct or delete inaccurate, incomplete, or unverifiable information.

Requested Actions : Conduct a detailed investigation to verify the accuracy of the account information listed under XXXX XXXX  account number XXXX. 
Should this investigation fail to verify the account information accurately, pursuant to FCRA Section 611, require the immediate removal of this account from my credit report.

Review the procedures that allowed this inaccurate data to be reported and ensure compliance with consumer protection laws.

Provide me with written documentation of your findings and the actions taken in response to this dispute.

Attached are copies of documents that support my claim. This information demands prompt and rigorous attention to prevent further damage to my credit and financial standing.

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 2025-02-01 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: MI

Complaint narrative:
I XXXX XXXX, am a victim of Identity theft, request removal and deletion of the listed fraudulent inquiries accounts on my transunion, experian, and equifax credit report.1XXXX XXXX, Inquiry date:XXXX,2.XXXX, Inquiry date:XXXX,3.XXXX, Inquiry date : XXXXXXXX,4.XXXX XXXX, Inquiry date:XXXX XXXX Inquiry date:XXXX,6.XXXX Inquiry date:XXXX,7.XXXX XXXXXXXX Inquiry dateXXXXXXXX,8.XXXX XXXX, Inquiry XXXXXXXX XXXX,9.XXXX XXXXXXXX, Inquiry XXXX. 10.XXXX XXXX, Inquiry date:XXXX. 11. XXXX XXXX, Inquiry date:XXXX. 12. XXXX, Inquiry date:XXXX. 
13. XXXX, Inquiry date:XXXX. 14 XXXX XXXX, Inquiry date:XXXX. 15. XXXX XXXX, Inquiry date : XXXX. 16.XXXX XXXX XXXX Inquiry dateXXXX XXXX. 17. XXXX XXXXXXXX, Inquiry dateXXXX, 18. XXXX XXXX, Inquiry date:XXXX. 19. XXXX, Inquiry date : XXXX. 20XXXX, Inquiry date : XXXX. 21.XXXX XXXXXXXX XXXX Inquiry date : XXXX. 22.XXXX  XXXX Inquiry : 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 2025-02-01 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Creditor Name : XXXX XXXX XXXX XXXX XXXXnquiry Date : XX/XX/year> Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/year> Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Date : XX/XX/year> Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/year> Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX  Inquiry Date : XX/XX/year> Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/year> Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/year> Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry XXXX XXXX XX/XX/year> Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry XXXX XXXX XX/XX/year> Reason : I don't recognize this inquiry Creditor Name : CXXXX XXXX XXXX XXXX Inquiry Date : XX/XX/year> Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/year> Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Date : XX/XX/year> Reason : I don't recognize this inquiry Creditor Name : XXXXXXXX XXXX XXXXXXXX Inquiry Date : XX/XX/year> Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/year> Reason : I don't recognize this inquiry 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 2025-02-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: IL

Complaint narrative:
I disputed 4 fraudulent transactions and they only show 1 in their document which clearly states lack of proper evidence. Cash app denied dispute for fraudulent atm withdrawals totalling {$420.00}. I filed dispute on XX/XX/XXXX same day I was notified of fraudulent transactions on mobile application. I reopened dispute XX/XX/XXXX after I found out they were involved in class action lawsuit and a lot of others were getting denied with same issues. They said I authorized the transactions and denied me my dispute when clearly they didn't properly investigate it.

Company response to consumer: Closed with explanation