vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-18 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: UT

Complaint narrative:
I am demanding the immediate removal of the unauthorized transactions and inaccurate information appearing on my credit report. These errors are a direct result of a data breach that compromised my personal and financial informationa situation entirely outside of my control. Despite my efforts to rectify these issues, I continue to suffer the consequences of reporting failures that should have been addressed long ago. 

The fact that these inaccurate and unauthorized entries remain on my report, despite clear indications that my personal data was compromised, is completely unacceptable. This reckless mishandling of my information is damaging my creditworthiness, jeopardizing my financial stability, and blocking me from important opportunities. I will not tolerate this negligence any longer. 

I demand that you immediately investigate and permanently remove these erroneous entries. Any delay, inaction, or refusal to comply will be treated as a blatant violation of my consumer rights, and I will pursue all legal avenues available under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and any other applicable laws to hold your company accountable.

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 2025-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I made a large payment with a recast on my mortgage before the first payment. The recast was done after I paid the full first payment. I was told since the large payment would bring the loan down below 20 % that the PMI would automatically be removed. It was not. I called and they refused to remove the PMI multiple times even though my mortgage was well below the 20 % threshold. I am requesting a refund of the PMI paid to SLS as I did not need the PMI.

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 2025-03-18 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: DC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2025-03-18 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: MD

Complaint narrative:
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts.15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions, 15 U.S.C 1666B. I have sent multiple disputes with either no response or a response ignoring my request. Please provide proof that I consented to the furnishing of the listed accounts. You have yet to provide me any proof that I consented to this information being displayed on my credit report OR remove from my 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 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the negative accounts currently being reported on my credit file. I have recently been informed that my personal information may have been exposed in a data breach, potentially leading to identity theft and unauthorized activity on my credit report. As a result, I am requesting an immediate investigation into the following accounts, which I believe may be fraudulent or compromised : 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  Due to the possibility that these accounts were fraudulently opened or manipulated as a result of the data breach, I demand full validation in compliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

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 2025-03-18 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: WA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-03-18 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: WA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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
Consumer complaint received 2025-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TrueAccord Corp.
State: OH

Complaint narrative:
Received multiple text messages regarding a company called true accord whom i have never heard. 

On XX/XX/year> via email I requested a verification of the debt owed due to it preventing me from getting rental assistance at the place I live. no mail has been received not have I received any letters. 

On the date of XX/XX/XXXX, I noticed that no response was returned regarding debt. It has been approximately 38 days and no correspondence was received from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: TN

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 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 2025-03-18 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Newport Intermediate Inc.
State: FL

Complaint narrative:
I have enclosed correspondence between myself and XXXX XXXX  regarding a prepaid debit card in the amount of {$1100.00} which was issued to me in connection with a purchase of XXXX appliances. The present issue is that the card was misplaced ( thanks to my granddaughter ) and recently located in my car. When I found it I saw that the card was valid through XXXX, 2024 and I contacted the company named on the card at the address shown. 

1. I purchased the appliances on XX/XX/year>2024. The appliances were delivered in XXXX, 2024. Attached is a copy of the purchase invoice. 
2. I dont know when I received the card from XXXX XXXX but it clearly shows on the face of the card that it is a debit card. I have attached a copy of the card that was issued along with the correspondence which I have had with mypaymentvault.com. My recollection is that I received the card in a plain envelope, and the debit card it was glued to a card with activation instructions, or there was a sticker on the face of the card with activation instructions. 
3. I have not had any correspondence from or with XXXX  other than that which I have provided. I did not receive any notification that the card had expired or that I could renew or extend the card for a fee.

4. You will note that they deny having any records pertaining to the account. The card came with a very short amount of time to use it, much less than a year.

5. I believe I activated the card quite a while after it was received and that the total amount of transactions under the card before it as lost were less than {$100.00}.

There should be approximately {$1000.00} remaining on the card. I believe that since this is a significant amount of money, the company ( a ) decreased the amount of time to be able to use the card and ( b ) did not notify me that the card was expiring, and purposefully did not give me an opportunity to have the card replaced for the fee. 

As I mentioned, this card was presented as a gift upon the purchase of the appliances should be treated as a gift card and should not be cancellable at the option and whim of the issuing company. 

As I mentioned in my correspondence I have no problem paying the fee to have the card reissued with the remaining balance, but the representation by the credit card company that they are no longer able to access viewing the funds nor the card activity is a likely a misrepresentation.the company is likely required to have a records of transactions made with debit cards which identify the user for some statutory period of time.

Please contact me if you have any further questions regarding this matter. I sincerely appreciate any assistance which you may be able to provide. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: TX

Complaint narrative:
I am filing a complaint against Equifax for failing to properiy investigate my dispuies regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding XXXX XXXX XXXXXXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

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 2025-03-18 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: FL

Complaint narrative:
I express deep disappointment over the violation of my consumer rights through the dissemination of inaccurate information. Fair treatment is my right, and I request a detailed explanation of the shortcomings in accuracy and compliance. Negative information is unacceptable, and I emphasize the importance of factual and truthful data concerning your company and my credit profile.

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 2025-03-18 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I am demanding the immediate removal of the unauthorized transactions and inaccurate information appearing on my credit report. These errors are a direct result of a data breach that compromised my personal and financial informationa situation entirely outside of my control. Despite my efforts to rectify these issues, I continue to suffer the consequences of reporting failures that should have been addressed long ago. 

The fact that these inaccurate and unauthorized entries remain on my report, despite clear indications that my personal data was compromised, is completely unacceptable. This reckless mishandling of my information is damaging my creditworthiness, jeopardizing my financial stability, and blocking me from important opportunities. I will not tolerate this negligence any longer. 

I demand that you immediately investigate and permanently remove these erroneous entries. Any delay, inaction, or refusal to comply will be treated as a blatant violation of my consumer rights, and I will pursue all legal avenues available under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and any other applicable laws to hold your company accountable.

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 2025-03-18 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 have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: MN

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$27000.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-03-18 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: TX

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXXXXXX XXXX  XXXX C Balance {$8800.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$1000.00} Open Date XX/XX/XXXX XXXX, XXXX XXXX {$3100.00} Open Date XX/XX/XXXXXXXX XXXX XXXX Balance {$1600.00} Open Date XX/XX/XXXX 2024

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 2025-03-18 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: PNC Bank N.A.
State: MI

Complaint narrative:
I had an account with PNC Bank PNC Bank, On XX/XX/XXXX It I had a fraudulent charge. I noticed it on XX/XX/XXXX disputed it and received a new card. I throughout the entire time had possession of my card 100 % each and every subsequent cards as well. on XX/XX/XXXX the new card was hacked.I noticed on XX/XX/XXXX because my card was rejected. I went in and disputed charges again and was issued a new account number. They had put a hard hold on the account because the additional passcode they had given me for my online account had been compromised by the hacker verbally talking his way through PNC security on the phone, and they had noticed it. They created an entirely different account for me. On XX/XX/XXXX the new account was hacked. I made the disputes and again opened up a new account number. I figured this guy must have hacked my online account which I had been changing passwords to and they had added an additional Passcode for so I shut the online part off. It did the trick. Perioically they would 1 by one approve the disputed charges. As I was waiting for the investigation at around XXXX I removed most of my money and turned in my card. I received a phone call some time later explaining 1 dispute was recurring back 6 months before the initial hack on XX/XX/XXXX and they denied all dispute charges. They debited my account somewhere between XXXX and XXXX XXXX Social Security put a backpay deposit of XXXX something XXXX and they took it. They used a recurring charge of {$19.00} that I hadn't previously noticed and had flagged for a dispute to say they were not liable for charges after 6 months. Even though they had previously been approving the provisional credits along the way and recognized someone had gained access to my online account getting past security they added to stop him and at one time putting a hard stop on it when they recognized it. I was working with them the whole time and in the end {$12000.00} was worth more than me as a customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: MO

Complaint narrative:
I AM A CONSUMER WITH PROTECTED RIGHTS, SO PLEASE REMOVE ALL OF THESE FAKE, FRAUDULENT, AND INACCURATE ACCOUNTS FROM MY CREDIT REPORT ; if they do not, I will take them to court.

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 2025-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
Dear Wells Fargo Customer Service, I am writing to formally express my deep disappointment in Wells Fargos handling of my credit account, which has directly contributed to my {$45000.00} financial loss as a victim of an employment scam. Despite clear red flags and unusual account activity, Wells Fargo failed to identify or prevent fraudulent transactions, allowing this scam to escalate. 

Background of the Issue : I was targeted by scammers posing as legitimate employers, leading me to unknowingly accumulate {$85000.00} in credit card debt as part of their scheme. 
During this period, Wells Fargo initially set my available credit balance to zero, seemingly recognizing the suspicious activity.

However, shortly after, my credit limit was reinstated and increased to {$18000.00}, which allowed me to believe the bank account the employment scammers provided was legit and then I felt safe to continue making purchases that, in hindsight, were part of the scam.

Instead of preventing further financial harm, Wells Fargos actions enabled these fraudulent transactions, worsening my financial crisis.

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