vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-03-05 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: MS

Complaint narrative:
Upon reviewing my credit report, I noticed fraudulent activity on it. It's hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax data breach settlement sent an email to redeem my settlement payment through an online system that offers a prepaid card. There is no option given to receive a check or another method for repayment.The prepaid card can only be redeemed by entering a bunch of personal information and agreeing to a privacy policy of what appears to be another third party ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ). Irony aside, this seems unethical. I believe Equifax is willfully making it difficult for victims to collect on their justified payment due. After obtaining the card, the card doesnt work at any retailer. So its a waste of time effort and your personal information to get a card that is essentially a scam. I would be shocked if more than 5 % of victims were able to redeem their payment from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: FL

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint against Jefferson Capital for failing to provide proper debt verification as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I formally disputed the validity of this debt and requested verification, yet Jefferson Capital has failed to provide sufficient documentation proving that I owe the alleged amount.

Despite my request, Jefferson Capital continues to report this debt to the credit bureaus and/or engage in collection activities without fulfilling its legal obligation to provide proper verification. This practice violates my rights under the FDCPA and the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ).

I request that the CFPB take action to ensure Jefferson Capital complies with federal law by providing the necessary documentation, including : A full itemized account of the debt, including the original creditors name and details of the alleged balance. 
Proof that Jefferson Capital has the legal authority to collect this debt. 
Any signed agreements or contracts that establish my liability for the debt. 
If they can not provide proper verification, I request that this debt be removed from my credit report immediately and that all collection activities cease. 

Below is the account : JEFFERSON CAPITAL - XXXX XXXX {$2900.00} Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: FL

Complaint narrative:
Recently I looked at a copy of my credit report and Noticed Several Inaccuracies on my account. This account is to my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate. 
Account : 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 non-monetary relief
Consumer complaint received 2025-03-04 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: FL

Complaint narrative:
Recently I looked at a copy of my credit report and Noticed Several Inaccuracies on my account. This account is to my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate. 
Account : 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 2025-03-04 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: TX

Complaint narrative:
I recently discovered that my credit report contains incorrect personal information, which have resulted in unknown accounts appearing that I have no connection to. After further investigation, I realized that I have been a victim of identity theft. My personal information was used fraudulently, leading to these unauthorized accounts being added and mixed to my credit file. Following the appropriate steps, I filed an identity theft report with the FTC, as advised by Equifax, and submitted all necessary documentation. However, despite taking these actions, these fraudulent accounts remain on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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 recently discovered that my credit report contains incorrect personal information, which have resulted in unknown accounts appearing that I have no connection to. After further investigation, I realized that I have been a victim of identity theft. My personal information was used fraudulently, leading to these unauthorized accounts being added and mixed to my credit file. Following the appropriate steps, I filed an identity theft report with the FTC, as advised by Experian, and submitted all necessary documentation. However, despite taking these actions, these fraudulent accounts remain 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 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: NJ

Complaint narrative:
I request the immediate removal and blocking of the unauthorized accounts on my credit report. These accounts were not opened or authorized by me, and I am unaware of their source. As per USC 1681g, I formally ask for their deletion within 15 days. The relevant documents are included for your review.

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 2025-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am a victim of XXXX XXXX  and am requested the removal of adverse credit information under the XXXX XXXX XXXX XXXX. On XXXX XXXX, I mailed and I provided the necessary documentation to American Express, but they have failed to comply with my request. Ive also included the dispute letter and verification from a non-governmental entity certified that I am a victim of XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I have been disputing unauthorized charges from XXXX XXXX XXXX XXXX XXXX XXXX on my Barclays XXXX XXXX XXXX since XX/XX/year>. Despite multiple cancellation requests via email, phone, and in person, XXXX has continued to charge me weekly against my will. 

I contacted XXXX on XX/XX/year>, requesting to cancel my membership. I followed up on XX/XX/XXXX and XX/XX/year>, but XXXX ignored my requests. When I called their studio, I was told they could not cancel my membership over the phone and that I needed to email their billing department. I emailed them several times, but they never responded. 

Despite my repeated attempts to cancel, XXXX has continued to charge my credit card every week from XX/XX/year> through XX/XX/year>. 

Barclays ' Failure to Stop Charges I immediately contacted Barclays to dispute the charges and filed multiple dispute claims. Barclays provided me with several case numbers but has refused to take action. 

XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> CIS XXXX I also called Barclays multiple times and was told that the case was still " under investigation, '' but I have not received a resolution. Barclays has allowed XXXX to continue charging me weekly, even though they have evidence that I tried to cancel my membership months ago. 

Additionally, when I asked Barclays for contact details for XXXX to resolve the dispute, they provided me with a phone number that belonged to a completely unrelated business ( XXXX XXXX XXXX ). This made it impossible for me to resolve the issue directly with XXXX. 

Key Issues : XXXX has ignored my multiple cancellation requests via email, phone, and in person. 
Barclays has refused to issue a chargeback despite multiple disputes being filed. 
XXXX continues to charge me weekly for a service I do not use. 
Barclays has failed to provide accurate contact information for the merchant. 
It is now XX/XX/year>, and the charges have continued for over two months despite my disputes. 
Requested Resolution : Issue a full chargeback for all ILKB charges since XX/XX/year>. 
Permanently block XXXX from making any further charges on my account. 
Provide written confirmation that my dispute has been resolved immediately. 
Barclays is violating my consumer rights under the Fair Credit Billing Act ( FCBA ) by failing to properly investigate and resolve this dispute. I am escalating this complaint because Barclays continues to allow unauthorized transactions despite my ongoing dispute. 

I expect immediate resolution of this matter.

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 2025-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I hearby request Validation of debt collection practice act ( FDCPA ). Statements alone are not sufficient evidence of debt. As establish in pacific concrete XXXX XXXX XXXX, XXXX XXXX  XXXX, a mere statement does not satisfy the burden of proof. therefore I request you provide : 1. The original contract or agreement. 2. A detailed accounting of the debt, including all charges and payment made. 3. verification from the original creditor that you have the legal right to this collection debt. Additionally, I demand that you cease and desist from all communication with me, as provided by the FDCPA. This includes, but is not limited to, phone calls, email, letters, or any other form of communication. Furthermore, this cease and desist request extends to any form of communication via my consumer reports. Thus, you must delete any entries related to this debt from all consumer reporting agencies. Equifax captit if you fail to comply with this request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: FL

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX Balance Owed : {$600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX Balance Owed : {$600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-03-05 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: GA

Complaint narrative:
Collections agency will not verify the account after requested then disputed with credit agencies however was not provided the documentation that proved the account was verified and the amounts were accurate. I have reached out to the 3rd party creditors and credit agencies without resolve. The following companies : XXXX -Inaccurate amount, Requested detailed billing and verify the account without resolve. 

XXXX - Never responded. Disputed, however was not removed. 

XXXX Did not verify the account. I do not owe the listed amount. I was sent a class action settlement that was named the years that I resided there and the offer once the case is settle. Submitted to credit reporting agents with no resolve. 

TSI- Did not verify that account when requested. Attempt dispute did not provide documentation to support if the account was creditable. 

I have disputed twice with any resolve.

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 2025-03-05 00:00:00
Product: Mortgage — Conventional home 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: FL

Complaint narrative:
The email sent to officers of the Freedom Mortgage sums up our issues : We are writing to you after almost a month and half of customer service issues with everything from conflicting statements to unnecessary delays. 

We were greatly impacted by the hurricane here in Florida and had both roof and lanai damage. We've gone through the insurance channels and sent our disbursement check to your company almost 2 months ago. 

Since that time we have been extremely frustrated with the level of customer service at your organization and after a month and half are still being told it will be 16-20 days until our first disbursement which we are waiting on to make necessary repairs. 

On XX/XX/XXXX we were put through to a XXXX named XXXX XXXX. She provided her email address and we uploaded several documents of which she confirmed receipt. This included the revised adjusters report from our insurance company. She was very helpful that day but since then was unresponsive. 

After a couple weeks went by I called to follow up and was told our claim was still in process. We were also informed that our processor is XXXX XXXX. 

As these funds are holding back necessary repairs I have since then been calling weekly to check on the status. Each time I call I get a different story and are told they will escalate it to the processor and have him call me. This call has never been received. Last week when I phoned the representative told me our check was sent out. After the tracking number they provided said the item had not been received I phoned again today. 

On today 's call the representative said the processor just received our revised adjusters report from the insurance company. This was a document that was sent to the XXXX XXXX XXXX on XX/XX/XXXX and that on several phone calls the representatives said they could see it in our file. Once again they said they would email our processor XXXX XXXX and ask him to reach out and express our frustration. 

This process has gone on way too long and to hear a different story each time I call is very unacceptable. We are beyond frustrated with this process and how extraordinarily long it is taking. It was easier dealing with our insurance company than going through this process. 

We ask that this be escalated and that our initial draw be sent out so that we can move on and repair what the hurricane took from us. 

We also plan to report this to the Consumer Financial Protection Bureau. 

We await your response.

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 2025-03-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am a victim of the recent data breach please remove and block these accounts due to the recent data breach

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 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have not supplied proof under the doctrine of XXXX XXXX XXXX, 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 explanation
Consumer complaint received 2025-03-05 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of XXXX XXXX XXXX, 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 response to consumer: Closed with explanation