vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-28 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: GA

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 2025-04-28 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: AR

Complaint narrative:
Entries for late payments appear on my report that I believe to be inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, my report is required to contain only information that is accurate, complete, and verifiable. I am requesting that these late payment entries be verified, and if they can not be confirmed, that they be corrected or removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
There are collection accounts listed on my report that I believe contain incorrect information. As per my rights under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I am requesting a review of these entries, and if they can not be verified as accurate, they should be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XXXX different fraudelent transactions were made using my Wells Fargo debit card at a XXXX area grocery story chain called XXXX XXXX totaling almost {$900.00}. The charges are fraudulent but Wells Fargo has denied my claim because they were made with a physical card present in which the chip was used. This is not possible. I was in Texas at the time of every single charge and the card was with me at all times. Wells Fargo claims that it can't do anything because it is not possible to duplicate a chip, which is straight up not true. Even the credit reporting agencies like XXXX  are warning about a process they call shimming in which a chip can be fraudulently duplicated. Wells Fargo also failed to identify the charges as suspicious despite the fact that they were unusaly activity made in a city I have not visited since 2006. I submitted a claim and then later tried to appeal it and I believe Wells Fargo is acting in bad faith by maintaining that a chip can not be duplicated when it absolutely can. The bank has failed to protect me and my financial information on several different fronts.

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 2025-04-28 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-04-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
I contacted Exeter finance to confirm that my check will still be honored even if they do not cash it until after the XXXX. Ive been told by customer service and a supervisor that they do not send emails or any form of confirmation but they have notes on my account and that all calls are recorded. I would like confirmation now that the amount agreed upon will be honored no matter how long they decided to cash the check. My bank confirmed that it has been delivered to their XXXX XXXX XXXX the XXXX. I was originally told it takes XXXX to XXXX hours to process. The agent today told me XXXX business days and then eventually said XXXX business days. The supervisor I spoke to told me XXXX  days. I told them I am concerned that since the amount is only good until the XXXX of XXXX that my check would be void either due to the interest accrued or me making a payment and the amount being incorrect. I was assured over the phone on a recorded line that this would not happen and that no matter when it is paid, it will be back dated from the time I sent the check, which was on the XXXX of XXXX. I would like written confirmation, so since I can not get an email, I am hoping to get that confirmation here.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am filing a complaint against Equifax due to their ongoing and deliberate obstruction of my right to access my own credit file. 

For over a month, I have been unable to log into my Equifax online account. Each attempt results in error messages such as Your account has been temporarily suspended or Can not complete this request, please try again later. Despite trying at different times, on different browsers, and different devices, the issue persists. 

When I contact Equifax customer service by phone, I am treated disrespectfully. Representatives question why I am asking to speak to a supervisor and show clear hostility when I assert my right to escalate the matter. Instead of providing assistance to restore my account access, they dismiss my concerns. I want to be clear : I am not asking Equifax to dispute or modify any information. I simply want to access and view the information on their website, which is my legal right under the Fair Credit Reporting Act ( FCRA ). 

XXXX ongoing denial of access has caused me significant frustration, anxiety, and places me at a disadvantage in monitoring and protecting my financial information. Blocking a consumer from accessing their credit file for this length of time, without meaningful assistance or resolution, is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Guglielmo and Associates
State: CO

Complaint narrative:
On XX/XX/year>, I sent a formal written debt validation request to Guglielmo & Associates, PLLC, in accordance with the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g. In my letter, I requested proof of ownership of the debt, authority to collect, a copy of the original signed agreement or assignment from XXXX, a full accounting of the amount owed, and verification of licensing to collect debts in my state. 

Despite this formal request, Guglielmo & Associates has failed to provide any response, validation, documentation, or proof of legal right to collect this alleged debt. No communication has been made to satisfy the federal requirement to validate the debt before continuing collection efforts. 

As of today, I have not received the information requested, and the company has not ceased collection activities or verified their legal standing to collect on the debt. 

This ongoing failure to validate the debt violates the FDCPA and has caused continued damage to my credit report and my ability to resolve the matter properly. 

I am requesting immediate action to require Guglielmo & Associates to either validate the debt according to FDCPA requirements or cease all collection activity if they can not do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: MI

Complaint narrative:
In XXXX, my private student loan, originally held by XXXX XXXX, was transferred to Firstmark Services. I did not receive clear or timely documentation verifying the legal transfer of ownership ; it was only a general welcome email from Firstmark. I heard nothing from XXXX XXXX about this transfer. 

After the transfer, Firstmark representatives verbally advised me to use my available forbearance period first, and then refinance my loan afterward to lower my monthly payments. I was facing financial hardship due to XXXX. Trusting their guidance, I used my XXXX years of available forbearance. 
After exhausting all forbearance options, I contacted XXXX to initiate refinancing in XXXX. At that point- and only then - I was verbally informed that the refinancing offer would only have provided a reduced rate for 12 months, after which my loan payments would revert back to the original higher rate. This critical detail about the short-term nature of refinancing was never disclosed before I used up my forbearance. 

As a result, I decided not to refinance, fearing that accepting a temporary lower rate would leave me worse off after 12 months without any protections left. 
Since then, I have been struggling to make unaffordable payments on a loan with extremely high interest rates. My monthly payments are roughly {$1300.00}, with around {$900.00} per month going solely to interest and only about {$400.00} going toward principal. 
This financial hardship has been devastating, especially now that I am unemployed and unable to refinance or seek better repayment terms. 

Additionally, while XXXX provided a copy of my original loan agreement from XXXX XXXX, as well as their own " welcome letter sent in XXXX '', they failed to provide clear, official documentation verifying their legal ownership of my loan or proof that I was properly notified of the servicing transfer in advance, as required by law. I requested this information XX/XX/XXXX, and I still have not received this critical information. 

I no longer trust this companys servicing practices and believe I have been misled and financially harmed. I am requesting that XXXX be required to provide full documentation of their legal right to service my loan and that appropriate corrective action be taken for the misleading guidance regarding forbearance and refinancing that has caused me significant financial and emotional hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: U.S. BANCORP
State: VT

Complaint narrative:
My mortgage company US Bank did not pay mortgage insurance out of escrow account. Notices were sent by vermont mutual to u s bank XXXX times. After u s bank did not pay the insurance, the policy was canceled. No US Bank has taken out. It's worst policed insurance on the loan. U s bank as neglected and not complied with the loan contract. 
I needed this to be taken care of immediately. As the force placed insurance has now not only not been covering my equity in the home, but has also raised the mortgage payment up significantly.

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 monetary relief
Consumer complaint received 2025-04-28 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: CA

Complaint narrative:
Entries for late payments appear on my report that I believe to be inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, my report is required to contain only information that is accurate, complete, and verifiable. I am requesting that these late payment entries be verified, and if they can not be confirmed, that they be corrected or removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
My report shows certain inquiries that do not appear to meet the requirement of permissible purpose as outlined in 15 USC 1681b. I believe these inquiries were unintended, and I am requesting their removal.

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 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have my credit frozen with the three reporting bureaus, and I was requested to unfreeze my credit with Equifax for a credit check on XXXX. I logged in, unfroze my credit ; the credit check was completed and I logged back in and re-froze my credit. I tried logging in again on XX/XX/XXXX to make sure it was frozen and was unable to login. I have called Equifax now 5 times and have not received any assistance. Each time the support person goes through the script with trying my account and resetting it, then they tell me the website has been down for updates. They finally opened a trouble ticket for me on XX/XX/XXXX and told me I would be contacted within 5 to 7 business days and I have not received any call or email from Equifax. I last called on XX/XX/XXXX and challenged the story I was given, escalated to a supervisor who was of no help whatsoever and told me there was nothing he could do and no one could contact technical support about the trouble ticket. Since I was part of their original data breach in XXXX, the XXXX XXXX XXXX data breach in XXXX and the Federal Government data breach several years ago, I am terrified that my personal data has been once again compromised and Equifax is trying to hide something. I am also unable to unfreeze my credit if I need to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: LA

Complaint narrative:
Consumer Name XXXX XXXX XXXX, Consumer Social Security Number XXXX, Consumer Date of Birth XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX 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 a credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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 # ( private case number ) 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 explanation
Consumer complaint received 2025-04-28 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: NC

Complaint narrative:
My report shows certain inquiries that do not appear to meet the requirement of permissible purpose as outlined in 15 USC 1681b. I believe these inquiries were unintended, and I am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: TX

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 2025-04-28 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: TX

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 non-monetary relief
Consumer complaint received 2025-04-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
I received an email from my financial institution that there is a new inquiry on my credit report. After looking into it, I noticed the inquiry came from Capital One. I can confirm that this inquiry was unauthorized, and I have never had any accounts with Capital One. I believe this inquiry was an error and would like to dispute the inquiry.

Company response to consumer: Closed with non-monetary relief