vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
My XXXX access was restricted due to an individual filing a false report. I called the bank to have my XXXX reactivated. I was told in order to have my XXXX reactivated I need to contact the person whom filed the false report and advise them to let their bank know that the report was false. I advised my Bank WellsFargo I do not have that person updated contact information and can not get in contact. I also provided WellsFargo proof of the payments I received in my account. 

Personally I think its a little absurd to request someone to contact an individual who filing false reports and conducting in fraudulent activity. 

Ive been with this bank for XXXX years and Im feeling under appreciated as a costumer at this point. 

The last calls made to have to rectify the matter was XX/XX/year> where I spent almost XXXX hours on the phone between several reps and waiting times. I was even advised to contact XXXX directly to gain access, in which they advised me the bank is the only entity with that authority to reinstate the XXXX for the bank. I will add I advised WellsFargo rep this information before I called XXXX, and had to end up calling WellsFargo right back.

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 2025-02-21 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: CA

Complaint narrative:
This account is reporting incorrectly on to my credit report. If the account is charged off. I haven't received a XXXX form informing me of the charged off account that is reporting ( CO ) every month to the credit bureaus. I have no late payments to this account. 

XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX CODE 1681 ( 2xi ) 15 U.S CODE 1666b 12 CFR 1026.13 ( BILLING ERROR RESOLUTION ) Late payment dates : year XXXX  XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX Charge off dates : year XXXX  XXXX : XXXX  XXXX : XXXX  XXXX : XXXX  XXXX : XXXX  XXXX : XXXX  XXXX : XXXX  XXXX : XXXX  XXXX : XXXX  XXXX XXXX CODE XXXX XXXX XXXX CODE 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 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This account is reporting incorrectly on to my credit report. If the account is charged off. I haven't received a XXXX form informing me of the charged off account that is reporting ( CO ) every month to the credit bureaus. I have no late payments to this account. 

XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX CODE 1681 ( 2xi ) 15 U.S CODE 1666b 12 CFR 1026.13 ( BILLING ERROR RESOLUTION ) Late payment dates : year XXXX  XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX Charge off dates : year XXXX  XXXX : XXXX  XXXX : XXXX  XXXX : XXXX  XXXX : XXXX  XXXX : XXXX  XXXX : XXXX  XXXX : XXXX  XXXX : XXXX  XXXX XXXX CODE XXXX XXXX XXXX CODE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am filing this report with the CFPB to formally dispute several unauthorized accounts listed on my credit report. I am a victim of identity theft and request that these accounts be blocked from my credit file under Section 605B of the Fair Credit Reporting Act ( FCRA ) .According to this law, you are required to block fraudulent information on a consumer 's credit report within four ( 4 ) business days after receiving appropriate documentation. My personal information was exposed in the EQUIFAX DATA BREACH. PLEASE REFER TO THE EQUIFAX DATA BREACH SETTLEMENT REFERENCE NUMBER TO VERIFY MY VICTIMIZATION specifically 15 USC 16821c-2 ( a ). I am entitled to request that my accounts be blocked and deleted due to the unauthorized access to m personal information. The breach has compromised my data and I am concerned about the identity theft and misuse of my information. Please find my details below for your reference. Full Name : XXXX XXXX Social Security Number : SS # XXXX Date of Birth : XX/XX/year> Current Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. I kindly request that you take immediate action to block and delete all accounts that have been compromised as a result of this data breach. Additional, please provide me with written confirmation once this has been completed. If you require any further information or documentation to process my request, please do not hesitate to contact me at the phone number or email address listed above. Thank you for your prompt attention to this matter. I look forward to your swift response.

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 2025-02-21 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: MI

Complaint narrative:
I am filing this report with the CFPB to formally dispute several unauthorized accounts listed on my credit report. I am a victim of identity theft and request that these accounts be blocked from my credit file under Section 605B of the Fair Credit Reporting Act ( FCRA ) .According to this law, you are required to block fraudulent information on a consumer 's credit report within four ( 4 ) business days after receiving appropriate documentation. My personal information was exposed in the EQUIFAX DATA BREACH. PLEASE REFER TO THE EQUIFAX DATA BREACH SETTLEMENT REFERENCE NUMBER TO VERIFY MY VICTIMIZATION specifically 15 USC 16821c-2 ( a ). I am entitled to request that my accounts be blocked and deleted due to the unauthorized access to m personal information. The breach has compromised my data and I am concerned about the identity theft and misuse of my information. Please find my details below for your reference. Full Name : XXXX XXXX Social Security Number : SS # XXXX Date of Birth : XX/XX/year> Current Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. I kindly request that you take immediate action to block and delete all accounts that have been compromised as a result of this data breach. Additional, please provide me with written confirmation once this has been completed. If you require any further information or documentation to process my request, please do not hesitate to contact me at the phone number or email address listed above. Thank you for your prompt attention to this matter. I look forward to your swift response.

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 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 2025-02-21 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: SC

Complaint narrative:
XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. XXXX ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX, XXXX XXXX, XXXX & XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company 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 2025-02-21 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: GA

Complaint narrative:
You are obligated by law to maintain accurate consumer records. The incorrect addresses on my credit report are causing harm and must be removed immediately. Non-compliance will be considered negligence and may lead to legal action. I expect prompt confirmation of this correction.

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 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PLANET HOME LENDING, LLC
State: MD

Complaint narrative:
My Title company and myself attempted to gather final payoffs for both Primary and secondary loans with Planet Home Lending to no avail. The house sale was pushed back a far as possible ( over 23 days ), while I spoke with multiple individuals and all of them provided me the wrong information to request for this information, or we were ignored via fax. The delay was weeks long, as each time my request was submitted, I had to wait 1-2 days only to find out my request was not completed per their policy. All the long they were still holding me accountable for their lack of proper training and information not being accurate. I should have one 30 day late, that was from my spouse leaving and I found out she was not paying, I double up on the payments to and was to recoup the funds once the house was sold. One Customer service rep stated, it looks like someone is trying to steal the my house, pure non-sense. This is no way to treat a Veteran. Please remove the ( 2 ) 30 day late payments and the bogus owed balance, as it was their own delays due to improper training and inconsistent information being passed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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 am filing a formal complaint against Experian for reporting a collection account from XXXX XXXXXXXX XXXX XXXX that has not been validated and is causing significant harm to my credit profile. This account is only being reported by Experian and is inconsistent with the information reflected in my credit reports from other bureaus. The lack of validation and the inconsistency of this account raise serious concerns about its accuracy and compliance with the Fair Credit Reporting Act ( FCRA ). 

Details of the Complaint : Unvalidated Collection Account : The collection account from XXXX XXXXXXXX XXXX  XXXX has not been validated by the creditor or Experian. Despite my requests for validation, neither XXXX XXXX XXXX  XXXX nor Experian has provided any documentation proving the validity of the debt, including the original creditors name, the amount owed, or any agreement binding me to this debt. This failure to validate the debt violates my rights under the FCRA, specifically XXXX XXXX. XXXX, which requires credit bureaus to ensure the accuracy of the information they report. 

Inconsistent Reporting : This account is only being reported by Experian and does not appear on my credit reports from other bureaus. This inconsistency raises serious doubts about the legitimacy of the account and demonstrates that Experian has failed to verify the accuracy of the information before reporting it. 

Significant Harm to Credit Profile : The inclusion of this unvalidated and inconsistent account on my Experian credit report has caused significant harm to my credit profile. It has negatively impacted my credit score and my ability to obtain credit, loans, or other financial products. This harm is a direct result of Experians failure to comply with the FCRA and ensure the accuracy of the information they report. 

Failure to Investigate and Correct Errors : I have disputed this account with Experian multiple times, providing evidence of its unverified status and requesting an investigation. However, Experian has failed to correct the error or provide a satisfactory explanation for reporting this account. This failure violates my rights under the FCRA, specifically XXXX XXXX. XXXX, which requires credit bureaus to conduct a reasonable investigation of disputed information.

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 2025-02-21 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: DE

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER XXXX XXXX XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX AUTO # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$1000.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$560.00} XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$670.00}

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 explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a XXXX  of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
The new mortgage company has taken over my mortgage, soon after they have raised my payment to be double my escrow account, giving me phone numbers about my insurance costs. My insurance company states that my insurance is {$2600.00}. Their escrow balance from Mr. Cooper, who recently purchased my loan from XXXX, shows after paying my property taxes for 2024 was {$2400.00} left in my escrow account. So there is no reason why my mortgage payment jumped up {$250.00} more from now on. My insurance company stated that it was not increasing. They told me over the phone I MUST have {$800.00} or more in my escrow account even after the taxes and insurance is paid. No explanation why. She stated that my payments would be this until XXXX. That is a total of {$7600.00} for a escrow bill of only {$5600.00}. I could see maybe {$800.00} to cover the insurance but not this amount. Their so called customer service line is nothing more than a phone robot that will never transfer you to a person, it just repeats itself over and over until you get discusseded and hang up. Their full intentions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: OH

Complaint narrative:
I am filing this statement to report multiple fraudulent accounts and inquiries appearing on my EQUIFAX consumer credit report which I have not opened or authorized. Specifically, I have discovered that an auto loan or lease was fraudulently opened with XXXX XXXX XXXX under account number XXXX beginning in XX/XX/XXXX for a total fraudulent amount of {$2500.00}, and another auto loan or lease was opened with XXXX XXXX XXXX under account number XXXX beginning in XX/XX/XXXX for a total fraudulent amount of {$23000.00}. Additionally, there is a fraudulent personal or business loan with XXXX XXXX XXXX under account number XXXX that began in XX/XX/XXXX for a total fraudulent amount of {$350.00}, and another personal or business loan with XXXX XXXX XXXX under account number XXXX that began in XX/XX/XXXX for a total fraudulent amount of {$2400.00}. I have also identified fraudulent inquiries and accounts on my credit report associated with XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, none of which I authorized. All of these accounts and inquiries are the result of identity theft and fraud, and I am requesting that these fraudulent items be removed from my consumer credit report and that any related collection activity cease immediately in accordance with my rights under relevant consumer protection laws. These fraudulent items reported by EQUIFAX have resulted in unwarranted negative information appearing on my consumer credit reports, including possible collections and hard inquiries. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all related collection activity cease immediately pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: CL Holdings LLC
State: MI

Complaint narrative:
I am writing to formally request the removal and blocking of certain accounts from my credit report, as I am a victim of the recent data breach that has compromised my personal information. This request is made pursuant to 15 USC 1681c-2 ( a ). 

The accounts I would like to be addressed are as follows : 1. Jefferson Capital - Open Date : XX/XX/XXXX - Balance : {$330.00} XXXX. XXXX XXXX - XXXX Date : XX/XX/XXXX Given the circumstances surrounding the data breach, I believe that the presence of these accounts on my credit report is a result of identity theft or unauthorized use of my personal information. As such, I request that you take immediate action to block these accounts and initiate the deletion process. 

Please confirm the receipt of this request and inform me of the actions taken to resolve this matter. I appreciate your prompt attention to this serious issue, as it greatly impacts my financial standing and peace of mind. 

Thank you for your cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Debt Validation Request- Account Number XXXX Dear Portfolio Recovery, The last email that I received from Portfolio Recovery was on XX/XX/year> stating I owe {$1200.00}. I have also received phone calls before and after XXXX XXXX I am requesting that Portfolio Recovery provide verification of this debt. 

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX, I am requesting that Portfolio Recovery provide me with the following information to validate this debt. 

XXXX. The name and address of the original creditor, the account number, and the amount owed. 
XXXX. A copy of the original contract agreement. 
XXXX. Verification that there is a valid basis for claiming I am required to pay the current amount owed. 
XXXX. Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added, payments made since the last billing statement, and the legal authorization for this interest, the date the original creditor claims this debt became delinquent. 
XXXX. Please also note whether this debt is within the statue of limitations and how that was determined. 

I would also ask that Portfolio Recovery cease and desist phone calls to my number, please only communicate with me in writing.

Company response to consumer: Closed with non-monetary relief