vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-25 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 am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: WA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 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

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 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX , with Social Security Number XXXX, a resident of XXXX XXXX XXXX XXXX , California XXXX, submit this affidavit to request a security freeze on my credit report. 
Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : Applicant Identification : Full Name : XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> Current Address : XXXX XXXX XXXX XXXX , California XXXX Security Freeze Request : I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 

This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: CA

Complaint narrative:
After reviewing my credit profile I noticed several fraudulent items on my credit report per15 u.s code 1681b permissible purpose of consumer report I have listed all items on my ftc report Experian XXXX XXXX ( XXXX ) XXXX opened XXXX XXXX amount {$6600.00} XXXX XXXX XXXX XXXXXXXX opened XXXX XXXX Amount {$590.00} EQUIFAX XXXX XXXX ( XXXX ) XXXX opened XXXX XXXX amount {$6600.00} XXXXXXXX XXXX XXXXXXXX XXXX opened XXXX XXXX. Amount {$590.00} TRANSUNION XXXX XXXX ( XXXX ) XXXX opened XXXX XXXX amount {$6600.00} XXXXXXXX XXXX XXXX XXXX opened XXXX XXXX. Amount {$590.00}

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 2025-03-25 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: CA

Complaint narrative:
After reviewing my credit profile I noticed several fraudulent items on my credit report per15 u.s code 1681b permissible purpose of consumer report I have listed all items on my ftc report Experian XXXX XXXX ( XXXX ) XXXX opened XXXX XXXX amount {$6600.00} XXXX XXXX XXXX XXXXXXXX opened XXXX XXXX Amount {$590.00} EQUIFAX XXXX XXXX ( XXXX ) XXXX opened XXXX XXXX amount {$6600.00} XXXXXXXX XXXX XXXXXXXX XXXX opened XXXX XXXX. Amount {$590.00} TRANSUNION XXXX XXXX ( XXXX ) XXXX opened XXXX XXXX amount {$6600.00} XXXXXXXX XXXX XXXX XXXX opened XXXX XXXX. Amount {$590.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
We have been in our home for over 10 years now. Our mortgage bank is Wells Fargo. My wife and I experienced some financial difficulties several years back due to some very serious health concerns. We applied for a loan modification and was approved. We had built up a fair amount of equity in our home and wanted to borrow some of it to put back into our home, i.e. home improvements and or upgrades. When we applied for the home equity loan we were advised that there was a {$57000.00}XX/XX/XXXXHUD Housing lien on our property to which we had absolutely no knowledge about. XXXX XXXX XXXX XXXX would not proceed with the home equity loan until the HUD housing lien was satisfied. I called Wells Fargo NUMEROUS times attempting to get someone to explain why HUD had attached this substantial lien on our mortgage. I was finally able to get them to forward me some documentation concerning our loan and the lien. We got behind on about 6 payments but absolutely not {$57000.00}. A very close friend of mine went through basically the very same thing with Wells Fargo and recommended your company to me for help. From the very bottom of my heart I would sincerely appreciate anything you can do to help us here.

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 2025-03-25 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: VT

Complaint narrative:
I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX XXXXXX/XX/scrub>/2019 {$4400.00} XXXX XXXX XXXXXXXX XXXX/XXXX/2019 {$0.00} These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: UT

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
Today, I withdrew money from my account ( XXXX ). Then I went to another location to withdraw but it was declined. Called bank and they told me that everything was fine and no holds on my account. After I hung up with bank and tried ATM again- I got suspicious activity notification and my account was locked. Called bank back and was asked about when did I buy my new cellphone, was I personally at the Texas location buying it, why am I taking out so many atm transactions, what am I using the money to buy, and why did I have so many address/email/phone number updates? I informed the bank representative that I had explained the updates to the bank when I initially did them, and that my other XXXX had been deliberately hacked. I also explained that I dont have to tell them what I am doing with my money but assured them that it was all legal transactions. Then I stated that I believe that they are trying to create a false fraud report to close my account or ask me illegal questions for a third party or other purposes outside of banking. She said that all her questions were necessary to unlock my account and required by the bank. She is a liar. They say that they dont need travel notification, but use my travel as a way to lock my account. When my phone was hacked ( while in XXXX ) and I could not access the email/number on file to recover my account- they locked my account after stating that they would not. Which stopped me from even using my debit card to make airline ticket. They repeatedly ask me about purchases and question me about what and why I need my money for. They are definitely sharing my information with a third party ( parties ) and feel that they dont have to answer for violating my rights, continuously. I have been banking with USAA for over twenty years and they didnt start this unethical stuff until after I received my SSI/100 % VAdisability/Police retirement benefits.and tried to travel to XXXX to XXXX  They are deliberately trying to create a false narrative to bring me financial hardship. Not to mention how they definitely try to block my travel with suspicious timed declines and blocked account access.

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 2025-03-25 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: UT

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-03-25 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: UT

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-03-25 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: CA

Complaint narrative:
There are multiple inaccuracies on my credit report that must be removed without delay. Some contain incorrect details that do not match my records, others are entirely unfamiliar, and several have been reported without proper verification. These discrepancies violate the FCRA, which requires all information to be 100 % accurate and backed by legitimate documentation. 

To resolve this matter fairly, I demand that all inaccurate items be permanently removed from my credit report. If the reporting entities can not provide legitimate proof confirming their accuracy, they have no legal right to remain on my file. I expect immediate corrective action to restore the integrity of 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 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Regional Acceptance Corporation XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC RE : Account XXXX XXXX XXXX XXXX I am contacting you to inform you that Regional Acceptance has been inaccurately reporting a balance for the above listed account number of {$13000.00} for the past 13 months. Regional Acceptance wrote off the entire loan for {$32000.00} on XX/XX/XXXX received insurance payment in the amount of {$20000.00} on XX/XX/XXXX. Regional Acceptance also received XXXX XXXX payments from Truist Dealer Financial Service for this account in the amount of {$4200.00} on XX/XX/XXXX, along with a dealer check in the amount of {$4100.00} on XX/XX/XXXX. A credit card payment in the amount of {$1500.00} dollars was also made on XX/XX/XXXX. Regional Acceptance has not correctly reported any of the above listed payments on my credit report along with SEVERAL missing payments that were made from XXXX and XXXX. Regional Acceptance has received {$30000.00} in payments on this account. The CORRECT balance owed is {$2400.00}, yet Regional Acceptance has reported an inaccurate balance of {$13000.00} on my credit report for the past year and a half. 
I have disputed this information from my credit report several times, I have requested a validation of debt letter in reference to this account with ALL payments Regional Acceptance has received several times and never received it. I have called Regional Acceptances Recovery Department approximately 19 times and given a different story each time by the representative on why the balance has not been updated on my report or within their system or I just never receive a phone call back after leaving several voicemails and even faxing and mailing letters to them.

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 2025-03-25 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: IN

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 2025-03-25 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: MD

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I made a {$50.00} deposit through the ATM on XX/XX/year> to cover the negative balance of {$36.00}. After making the deposit my account showed a balance of {$13.00}. The deposit was made before the XXXX p.m. cutoff time. I was charged a {$36.00} overdraft fee. I disputed the charge with Truist and was told it couldnt be reversed. The supervisor I spoke with tried to offer me several different products, from opening another account to different types of checking accounts that I was not interested in. It appears Truist is charging overdraft fees to upscale other products. I dispute this {$36.00} charge and wish an investigation be conducted into their practices.

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 2025-03-25 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:
The account with XXXX XXXX acceptance does not belong to me and is a result of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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 account with XXXX XXXX acceptance does not belong to me and is a result of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: IL

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from 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