vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-29 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've made several attempts to address the fraudulent inquiries and accounts on my credit report, but they remain unresolved. These entries are not mine, and I am not responsible for them. They have caused significant stress and financial hardship. As a victim of identity theft, I may be forced to pursue legal action if this issue is not resolved promptly. These inaccuracies have hindered my ability to purchase a home and provide for my family, severely impacting my financial stability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: MD

Complaint narrative:
These inquiries are not relevant to me, and I did not give authorization for them. I request their immediate removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Child Support i have never been late i got a divorce and started paying through my Paycheck. TransUnion report i was on time one or two times!!! I pay every 2 weeks. out my check i will upload my order so you can see. i have tried to contact TransUnion! i am show proof i have never been late! this is sad and putting scare on my credit! please correct or remove!!!!! And PLEASE CHANGE MY ADDRESS ON 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 non-monetary relief
Consumer complaint received 2025-01-29 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( 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 non-monetary relief
Consumer complaint received 2025-01-29 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: PA

Complaint narrative:
I contacted all three credit reporting agencies regarding items that werent mine on my credit report. I let them know that these particular items were due to identity theft. Each of the agencies gave me the same conclusion, in order to get rid of items on my report I needed to first begin a dispute and wait the allotted time as well as fill out an Identity theft report with the FTC. I did all of theses things supplied a copy of the report and the further told me I still had to wait for their investigational findings. After the results of their investigation came back there was still no change. Due to the present case that the CFPB just won in federal court concerning the lack of investigation on the part of both Equifax and XXXX I believe the same negligence or lack of investigation was repeated in my case. I gave all the required information proving what I said to be true along with CFPB complaints as well as my official reports from the FTC. I would just like for these items to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: PA

Complaint narrative:
I contacted all three credit reporting agencies regarding items that werent mine on my credit report. I let them know that these particular items were due to identity theft. Each of the agencies gave me the same conclusion, in order to get rid of items on my report I needed to first begin a dispute and wait the allotted time as well as fill out an Identity theft report with the FTC. I did all of theses things supplied a copy of the report and the further told me I still had to wait for their investigational findings. After the results of their investigation came back there was still no change. Due to the present case that the CFPB just won in federal court concerning the lack of investigation on the part of both XXXX and Experian I believe the same negligence or lack of investigation was repeated in my case. I gave all the required information proving what I said to be true along with CFPB complaints as well as my official reports from the FTC. I would just like for these items to be removed.

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 2025-01-29 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: PA

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-01-29 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: NJ

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I received an incoming from call from ( XXXX ) XXXX that showed up on my caller ID as Bank of America. The caller identified himself as XXXX XXXX from Bank of America and the call was being recorded. He was inquiring about a {$12000.00} Wire Transfer that was being done on my checking account and was wondering if I approved it. I Said absolutely not. He then proceeded to say no problem that he would cancel the transaction but need the code that was sent to me to cancel it. 
The call came in on XX/XX/year>, at XXXX and the wire transaction happened at XXXX on XX/XX/year>, the same time I was on the phone for XXXX minutes with Bank of America XXXX I provided XXXX 's phone records stating that I was on the phone with Bank of America for XXXX minutes when the Wire transaction was being done. And Bank of America is still denying giving me back my {$12000.00}. I've canceled the account, froze my social security number, called the XXXXraud department numerous times asked for the investigator that was handling my account and was denied also, went to 2 different Bank of America locations, filed a police report to try to resolve this and still nothing. The detective actually went to the XXXX, XXXX  branch today with me and was told I needed to go to XXXX XXXX Bank where the {$12000.00} went to. And I was told there today that they couldn't provide me with any information that Bank of America and XXXX XXXX 's fraud departments needed to resolve this.

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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
The items I need deleted are listed in the attached files.

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 2025-01-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC
State: IN

Complaint narrative:
From XXXX of 2023, presently, Newrez has been charging let fees lates fees to my mortgage payment and I continue to pay them and they keep adding now my mortgage is going to be over {$2000.00} next year for me to be in a 4.3 percent mortgage.They say, its my insurance and taxes, so they taxes and insurance has went up 7 to 8 in 2 years, the rate that lates keep adding on, its stoping from paying my hoa and getting ready to cause hardship because, they trying to force me to refinance.

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 2025-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Quality Asset Recovery LLC
State: NJ

Complaint narrative:
I am not sure about the dates. But My veteran financial counselor told Me I have 2 current things on My credit. That I am unaware of and want to dispute it and get it dismissed from my 3 credit bureau reports please. One is for XXXXXXXX XXXX XXXX for the amount of XXXX XXXX Second one is for XXXX $ through quality asset recovery. I was in the military and My information was compromised in XXXX XXXX Texas on a military breech of information of soldiers. I thank You for your help in these two items that I want to dispute and 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 2025-01-29 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: OH

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-01-29 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: National Credit Adjusters, LLC
State: CA

Complaint narrative:
Explanation : I sent a certified request to National Credit Adjusters my certified mail that was received on XX/XX/XXXX, asking for validation of the debts they were reporting on my credit profile. 

Despite receiving the request, and after several updating calls representatives of the company explain that they have under no obligation to provide validation or cease reporting inaccurate information. 

Below is the detailed breakdown of the accounts reported by each credit bureau, including the account numbers, original creditors, dates opened, last activity, high balance, unpaid balance, and account status : XXXX : 1. Account number : XXXX Original creditor : XXXX XXXX XXXX Date opened : XX/XX/XXXX Last activity : XX/XX/XXXX High balance : {$130.00} Unpaid balance : {$130.00} Status : Closed 2. Account number : XXXX Original creditor : XXXX XXXX XXXX Date opened : XX/XX/XXXX Last activity : XX/XX/XXXX High balance : {$300.00} Unpaid balance : {$300.00} Status : Closed 3. Account number : XXXX Original creditor : XXXX XXXX XXXX Date opened : XX/XX/XXXX Last activity : XX/XX/XXXX High balance : {$310.00} Unpaid balance : {$310.00} Status : Closed 4. Account number : XXXX Original creditor : XXXX XXXX Date opened : XX/XX/XXXX Last activity : XX/XX/XXXX High balance : {$310.00} Unpaid balance : {$310.00} Status : Closed XXXX : 1. Account number : XXXX Original creditor : XXXX XXXX XXXX Date opened : XX/XX/XXXX Last activity : XX/XX/XXXX High balance : {$130.00} Unpaid balance : {$130.00} Status : Open 2. Account number : XXXX Original creditor : XXXX XXXX XXXX  Date opened : XX/XX/XXXX Last activity : XX/XX/XXXX High balance : {$300.00} Unpaid balance : {$300.00} Status : Open 3. Account number : XXXX Original creditor : XXXX XXXX XXXX  Date opened : XX/XX/XXXX Last activity : XX/XX/XXXX High balance : {$310.00} Unpaid balance : {$310.00} Status : Open 4. Account number : XXXX Original creditor : XXXX XXXX Date opened : XX/XX/XXXX Last activity : XX/XX/XXXX High balance : {$310.00} Unpaid balance : {$310.00} Status : Open XXXX : 1. Account number : XXXX Original creditor : CXXXX XXXX XXXX Date opened : XX/XX/XXXX Last activity : XX/XX/XXXX High balance : {$130.00} Unpaid balance : {$130.00} Status : Open 2. Account number : XXXX Original creditor : XXXX XXXX XXXX  Date opened : XX/XX/XXXX Last activity : XX/XX/XXXX High balance : {$300.00} Unpaid balance : {$300.00} Status : Open 3. Account number : XXXX Original creditor : XXXX XXXX XXXX Date opened : XX/XX/XXXX Last activity : XX/XX/XXXX High balance : {$310.00} Unpaid balance : {$310.00} Status : Open 4. Account number : XXXX Original creditor : XXXX XXXX Date opened : XX/XX/XXXX Last activity : XX/XX/XXXX High balance : {$310.00} Unpaid balance : {$310.00} Status : Open

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: WI

Complaint narrative:
Experian has failed to fulfill it's legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate and unverifiable account unresolved. The Consumer Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputes outcomes. These failures align with my experience, where Experian has neither corrected nor removed dispute item despite the evidence I provided m causing ongoing harm to my credit. I am requesting immediate corrective action to remove or amend the disputed account, as Experian inaction violates federal law and my rights 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 2025-01-29 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: IL

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
PLEASE SEE SUPPORTING DOCUMENTATION PERTAINING TO EQUIFAX DATA BREACH

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: KY

Complaint narrative:
I am filing a complaint against cash app ( Block, inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX ( XXXX ) XXXX Date : XX/XX/year> Dispute Department Experian XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Dispute of Charge-Off on My Credit Report Under 15 U.S.C. 1681i Dear Experian Dispute Department, I am writing to formally dispute the accuracy of a charge-off that appears on my credit report. According to 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to ensure the completeness and accuracy of the information included in a consumers credit report. 

The charge-off in question appears to be inaccurate and unverified. Therefore, I am requesting that you : Conduct a thorough investigation of this item in compliance with 15 U.S.C. 1681i.

Verify the validity of this charge-off directly with the original creditor.

Remove the item from my credit report if it can not be verified or is found to be inaccurate.

Laws Being Violated : 15 U.S. Code 6801 : Protection of personal information.


15 U.S. Code 6802 : Obligations regarding the disclosure of personal information. 15 U.S. Code 6803 : Disclosure of privacy policies. 15 U.S. Code 1681e ( b ) : Accuracy of credit reports. 15 U.S. Code 1681a ( d ) ( 2 ) : Exclusion of certain transactions from credit reports. 18 U.S. Code 1028A : Aggravated identity theft. These violations indicate a failure to protect my consumer rights under federal law. If the charge-off can not be verified as accurate, it must be promptly removed from my credit report. Relevant Law : 15 U.S.C. 1681i This section of the FCRA requires consumer reporting agencies to investigate disputed information. Specifically : ( a ) Reinvestigation of Disputed Information ( 1 ) Reinvestigation Required : If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer, and the consumer notifies the agency directly of such dispute, the agency shall conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate, and record the current status of the disputed information, or delete the item from the file, within 30 days. As stated by law, you are required to complete your investigation within 30 days and provide me with a written response. 

To assist in your investigation, I am including copies of my identification and proof of address. Please confirm receipt of this dispute and notify me once the necessary corrections have been made. 

Thank you for your prompt attention to this matter. You may contact me via email at XXXX or by mail at the address provided above. 

Sincerely, 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 explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
When I opened a synchrony bank care credit account I was not made aware that their monthly late fees was {$41.00} dollars. Although I havent missed any payments my total balance is greatly effected by this exorbitant late fee. Im quite sure CFPB has banned such high late fees.

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