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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sent a letter regarding inaccurate and unknown accounts on my credit report. Please review all the documents I've sent in regards to 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 2025-03-19 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
Purchased gift card from XXXX. Card did not work. Called customer service and was told they would have to mail a card in 3-5 days. That was not the agreement when I purchased the card from XXXX. XXXX declined to refund money. I did not purchase the card to have to provide my information to a third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
For the account First Point Collection Resolution on my XXXX account, I requested a verification of my debt. I have been sent proof of the debt by both the creditor and the collection agency and it doesn't reflect the information being reported on my credit report. I have tried multiple times to have the information at least updated by disputing and I've been denied many times despite the documents being sent over by both agencies stating otherwise. It's very frustration when they are the ones sending the documents they have on file to verify my debt.

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: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. 
ACCOUNTS :

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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I've made plenty of requests of denial on the credit card, & made a police report & its still on my report!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: MO

Complaint narrative:
The company was sent in the disputes of the fraudulent activities and did not remove them. I have a Federal Trade Commission on report and the items are still on the credit report. I have been a victim of fraud do to data breaches. Under the FCRA, I would like to have these items removed from my report. These accounts belong to someone else.

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: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/ I went to deposit a XXXX check from my tax return at XXXX XXXX up citi bank atm in XXXX XXXX. After calling over XXXX I showed up at my local branch to meet with the branch manager XXXX who has said this is all suspicious as the costumer service representatives will not give us information or unlock the account. On Monday XX/XX/XXXX i went down to the branch again and met with manager demanding my funds and she was able to get the back office to unlock my account and give me what money was mine and still wouldnt allow me to access my other funds that are mine as well as my XXXX check. My account was frozen and put on hold since then I need to pay my bills and rent and get groceries as I explained to them since that day they will not let me access my funds or any other funds. I tried contacting XXXXXXXX XXXX XXXX  to ask them to call the bank and verify but no one will help me I also asked if they can request the check back but I keep getting the run around from XXXX XXXX as well a citi bank

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: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Ive Notified both Consumer Agency such as Transunion and XXXX regarding their information about My Personal Credit information being used in an Authorized Lines of Credit which i Did not Opened up with The Following Company. 
XXXX XXXX reporting inaccurate and False Information stating that the Account was opened XX/XX/year> but Delinquent XX/XX/year> with XXXX XXXXAcct number XXXX for the Amount of XXXX This is not My Address nor phone numbers Also I never opened Any Accounts that would result in an hard inquiries. My only opened Accounts are Authorized users only Status. Ive already filed a Police Offense/Incident report upon discovery of this False Accounts XXXX. XXXX XXXX XXXX with XXXX XXXX XXXX  Acct ending XXXX is a Fradulent Account has been opened without My Knowledge. Ive Filed a Police Report when I lost Driver Liscense and Social Security Number. After uploaded Proof of the Police Report and Driver license XXXX and Transunion still Reporting Inaccurate Information about My Personal Information. I want this to be correct immediately with a Deletion of Wrongful information about the 2 Collection under My Social Security number thank you 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 2025-03-19 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: CA

Complaint narrative:
I am writing to follow up on my previous correspondence dated XX/XX/XXXX, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. 
To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, CALIFORNIA XXXX Social Security XXXX : XXXX Date of Birth : XX/XX/XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes. 

I kindly request the following : 1. Immediate removal of the erroneous address from my credit report.

2. An updated credit report reflecting the corrected information.

3. Written confirmation of the actions taken to resolve this dispute. 


XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: AZ

Complaint narrative:
This debt collect has not provided proper Debt validation letter Under the fair debt Collection Practices Act ( FDCPA ), 15 US code 1692 G Please delete this account from my credit report.

Please Delete this from My credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: CITIBANK, N.A.
State: FL

Complaint narrative:
XXXX XXXX claimed that in XX/XX/XXXX I opened a credit card account with them and that I owe {$3000.00} with balance around {$800.00}. 
Citi Cards/Citibank claimed that on XX/XX/XXXX I opened a credit card account with {$5000.00}. 
and that I owe {$5500.00}. 
Both Institutions have the Address ID XXXX XXXXXXXX with the address being : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. I talked to XXXX from Citi in XX/XX/XXXX and told they will investigate, but not good results. I dispute these charges on XXXX and no good results. They have my name, age and relative, which are XXXX, but the problem is that I never lived in XXXXXXXX XXXX  and no on that address. I was working the whole year XXXX in XXXXXXXX XXXX  and no way I could live in XXXX. They state that I also lived in XXXX XXXX XXXX XXXX XXXX which are incorrect. This is an Identity Theft. 
They keep these in XXXX and my credit has been damage because of that. I did not get any credit cards from neither of above companies. Their investigation has been very superficial. I will report this to local Police as well.

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: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I filed a complaint against transunion years ago with the consumer financial protection bureau for the exact same issue along with trans unions lack of response with disputes. Since filing a complaint I have not been able to access my free credit report for years now and need it. I need to check my report due to a drop in my credit. There has been NO activity with my credit and recently my credit score dropped XXXX points after an account was removed. I was able to see the drop in my score through credit karmas website. There is NO additional information that indicate the purpose of the drop. All other accounts that was removed in the past appeared with an increase in my credit score along with an explanation of what may have contributed to the increase in points. I tried using the website at https : //www.annualcreditreport.com/security.action to gain access to the report but was informed my request could not be processed. I was directed to call phone number XXXX ( XXXX ) XXXX. I was greeted with an automated system. The System had issues recognizing the numbers being entered and did not respond for voice response. The system would not allow me to key in a response and continued to interrupt me as if someone or something was entering in numbers from the keyboard. I am disappointed with the behavior of the credit bureaus and their partners. I feel as though I am being targeted.I can not put a freeze on my credit if need to do so. I need this issue investigated and resolved. Trans union is a bully that abuse their power and is not for the people. I am literally blocked from obtaining access to credit reports from all three credit bureaus for disputing reports filed by businesses and medical providers that never should have been on my report from the beginning. XXXX XXXX along with their partners is intentionally interfering with my ability to purchase a home that I can afford. I have worked so hard to to eliminate debt for the sole purpose of becoming a home owner. I am convinced that a lot of people of color including XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX are experiencing the exact same issues here in XXXX. This type of behavior is unacceptable and is considered as retaliation. I will not be sending all of my personal information to a XXXX XXXX by mail as if mail do not get lost or for someone to gain access to my personal information. The fact that a fax number was not provided as an option to fax proof of identification has raised a major red flag.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am writing to formally dispute an inaccuracy on my credit report regarding my account with XXXXXXXX XXXX XXXX. Specifically, the past due balance and monthly payment amounts are incorrect. My monthly payment is {$210.00}, yet my credit report reflects 90 days past due balance of {$13000.00}, which I believe is inaccurate or misreported. 
I have made several attempts to resolve this issue by contacting the creditor directly, but I have been unable to speak with a live representative. I have requested a call XXXX times but have only received XXXX call, which I unfortunately missed due to work obligations. Additionally, on XX/XX/year>, I was on hold for over XXXX hours despite the estimated wait time being only XXXX hours. I have also sent a message through their online system and am still awaiting a response. I wasn't notified that that the account was past due, it was my understanding that the account was deferred due to enrollment in school, I will continue to attempt come to a resolution. My credit score dropped XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I need your assistance in reviewing accounts from companies that have inaccurately reported late payments. After checking my credit report, I noticed certain accounts incorrectly marked as late. These accounts should not have any late payment remarks. Please remove these inaccuracies and update the accounts as positive, as agreed.

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: MOHELA
State: AZ

Complaint narrative:
I am writing to formally dispute the presence of unknown remarks on my credit report associated with my file. After thoroughly reviewing my credit report, I discovered remarks that I have no knowledge of and did not authorize. These remarks are inaccurate and negatively affecting my credit standing. The following are the details of the disputed remarks : Remark Type : " Credit can not locate individual/ Deferred '' Account/Report Reference Number : Department of Education XXXX MOHELA Account # XXXX I am requesting that you immediately investigate these unauthorized remarks, provide a detailed explanation of their origin, and remove them from my credit report if they are found to be inaccurate or unverifiable. Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate and resolve this matter within 30 days of receipt of this letter. Enclosed are copies of my identification and a copy of my credit report highlighting the disputed remarks for your reference.

Company public response: Company believes it acted appropriately as authorized by contract or law
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am a victim of XXXX XXXX XXXX XXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. As per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 — Fees charged
Company: Mr. Cooper Group Inc.
State: IN

Complaint narrative:
My mortgage was traded to MrCooper mortgage XX/XX/XXXX ; this has been poorly managed. I did not receive information from MrCooper. I was notified by XXXX XXXX XX/XX/XXXX, the communication from XXXX XXXX assured me that all information was shared with MrCooper. I had autopay but I did not get any notification that that was not transferred with the sale of my loan. 
MrCooper increased my monthly mortgage payment stating MrCooper can double my escrow balance. Previously I got refunds from XXXX XXXX for a high balance in my escrow balance. Please make sure MrCooper is following the guidelines set to protect mortgage payers The fees that are wrongly charged to my account for lack of hazard insurance is incorrect.I have had hazard insurance since XX/XX/XXXX. I sent confirmation of my insurance from my agent XX/XX/XXXX. I also called to confirm that MrCooper noted my calls and my having insurance since XXXX. 
Fraudulent charges are unethical mortgage practices. I ask you to investigate these bogus fees added and other unethical practices.

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: NY

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX has violated my rights. 

I looked at my TransUnion XXXX XXXX credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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