vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-28 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 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: NY

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 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 2025-03-28 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Confusing or missing disclosures — 
Company: Dean Morris, L.L.P.
State: LA

Complaint narrative:
I was informed by Dean Morris and XXXX XXXX XXXX that I was serviced with documents regarding the default of my mortgage but I was not. On the documents used for verification that were previously sent these documents were served to my husband. At the time of service, I was not living there due to separation. I had a completely new address. I need proof that I was served with papers because during the time frame that documents were delivered ... No documents were served to me. I had a court date for separation during the same time period. Review of court documents will show the proceedings in XXXX XXXX. As a legal homeowner and financial obligee, I am entitled to due process and proper notification laws just like everyone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Having reviewed my credit report, I detected inaccurate accounts that did not arise from any error on my part.

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 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Having reviewed my credit report, I detected inaccurate accounts that did not arise from any error on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 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: IN

Complaint narrative:
There has been fraudulent hard inquires made to my consumer report, there unauthorized charges made to my account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: MI

Complaint narrative:
Final bill was payed to the original creditor but for some reason it was pushed to this collection agency named I C Systems. I have contacted the original creditor XXXX to verify that nothing is owed and questioned why was it put in collections if i owed nothing they couldnt explain why so they sent me a letter stating that nothing is owed on this account and it payed in full and settled and the collection agency needs to remove the remark from the report and ongoing i have disputed this debt numerous times in which it would be deleted but for some reason the agency would put it back on months later.

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 2025-03-28 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: AZ

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 account listed without my expressed written consent.

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 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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 2025-03-28 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: AL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 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: Trident Asset Management, L.L.C.
State: TX

Complaint narrative:
Trident Asset Managements response to CFPB ID # XXXX stating that the debt has been " verified '' is insufficient and does not satisfy the legal standard required under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Merely asserting verification without providing documentation from the original creditor does not constitute proper validation. Furthermore, the balance you are reporting is inconsistent, with my credit report listing {$780.00} while you claim it is {$780.00}. A collection agency is legally required to report the exact amount owed and can not arbitrarily round or alter balances. Under 15 U.S.C. 1681s-2, all information furnished to consumer reporting agencies must be accurate and verifiable. Any inflated, rounded, or incorrect amounts may be considered false or misleading, violating FDCPA 807 ( 2 ) ( A ).

When I contacted the original creditor regarding this account, they could not verify the debt or confirm the balance you are reporting. If the original creditor can not validate this debt, then neither can you, making your continued reporting a clear violation of the FCRA. Also keep in mind that the statute of limitations in the state of Texas is 4 years. If the debt is beyond the XXXX, I am not legally required to pay it given my rights with a time-barred debt. Since you have failed to provide proper validation, I demand the immediate deletion of this account from my credit report under 15 U.S.C. 1681i ( a ) ( 5 ). Attached is the true bill, which contradicts your claim. If this account is not removed within 30 days, I will escalate this matter further, including seeking monetary damages for your violations of my consumer rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Subject : Appeal of Personal and Business Account Closures Dear Chase Executive Office, I am writing to formally appeal the recent closures of my personal and business accounts with Chase Bank. My personal account was closed last month, and my business account was closed on XX/XX/year> without any prior notice or explanation. This abrupt decision has caused significant inconvenience and concern, particularly because I have always conducted my banking in good faith and have not engaged in any suspicious or fraudulent activities. 

While I did receive notice regarding the closure of my personal account, I was not given any prior communication about the closure of my business account. Furthermore, I had a balance of approximately {$7000.00} in my business account, and I have not received any confirmation regarding the disbursement of these funds. I request immediate clarification on the status of these funds and the expected timeline for receiving them. 

As a long-standing Chase customer, I value the banking services you provide and would prefer to continue my relationship with your institution. Therefore, I kindly request the following : A detailed explanation of the reasons behind the closure of both my personal and business accounts. 

A reconsideration of this decision, allowing me to continue banking with Chase. 

A timeline for when I will receive the remaining balance from my business account, along with confirmation of the disbursement process. 

I respectfully ask for a prompt response to this appeal and hope to resolve this matter amicably. If necessary, I am prepared to escalate this issue through the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory bodies to seek further clarification and resolution. 

Thank you for your attention to this matter. I look forward to your response at your earliest convenience. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: SC

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

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 2025-03-28 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Unauthorized Hard Inquiries under 15 U.S.C. 1681b Dear Equifax Dispute Department, I am writing to formally dispute unauthorized hard inquiries that have appeared on my credit report. As per the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, a credit reporting agency is only permitted to furnish my consumer report for permissible purposes. I have reviewed my credit report and identified the following inquiries that I did not authorize : XXXXXXXX XXXX XXXXXX/XX/year> ( This inquiry has no permissible purpose on my credit report. Delete this inquiry due to violation of 15 U.S.C. 1681b. ) Under the FCRA, a company must have a permissible purpose before accessing my credit report. Since I did not initiate any transaction or provide consent for these entities to perform a hard inquiry, these inquiries are unauthorized and must be removed immediately.

Please consider this letter as my formal dispute and request for deletion of these inquiries. If Equifax is unable to verify that these inquiries were made with my written authorization, they must be deleted from my credit file per federal law. 
To facilitate the investigation, I have enclosed a copy of my FTC report, utility bill, drivers license, and Social Security Number ( SSN ). 
I expect this matter to be resolved promptly in accordance with 15 U.S.C. 1681i, which requires a reasonable reinvestigation of disputed information within 30 days. Please provide me with written confirmation once these unauthorized inquiries have been removed. 
Thank you for your prompt attention to this matter. Should you require any further information, please contact me at the phone number or email listed above. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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:
XXXX XXXX XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Incorrect Personal XXXX XXXX XXXX XXXX Incorrect Personal XXXX XXXX XXXX XXXX - Incorrec XXXX XXXXXXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXXXXXX - Incorrect Personal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 ( FTC NUMBER ) as proof from the US Federal Trade Commission that all 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 2025-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
A debt collector is saying I owe them money for a service that was never rendered. XXXX XXXX signed up my company XXXX XXXX XXXX XXXX for internet service and they never showed up to install it or send any equipment. They sold to another company XXXX who now is asking me to pay {$2400.00} and have even put a collection on my personal credit report. I've explained to the debt collector Radius Global Solutions that this isn't my debt and i've disputed it multiple times and its still on my 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 2025-03-28 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: AL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Citizen 's and XXXX XXXX  charged my checking account overdraft fees unfairly by cashing the largest check and returning small amount checks and charging overdraft and return fees on the small amount checks. They would also try to redeposit the small checks and charge me the same fees all over again double charging me. If they had cashed the smaller checks first and returned the larger check I would not have incurred the large amounts of bank services charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company 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 2025-03-28 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 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 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