vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: TX

Complaint narrative:
When reviewing my credit report today, I came across inaccurate accounts that I dont recognize. I check my report regularly, and everything has always been accurate until now. I attempted to refresh my browser to see if it was an error, but the discrepancies did not disappear. Given this situation, I request a detailed review of the documents I provided so that I no longer have to worry about 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 2025-03-19 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX : # XXXX, has violated my rights. 

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.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall 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 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: FL

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am a victim of XXXX XXXX of Debt bondage. 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 2025-03-19 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
A more detailed analysis of my escrow and what happened during my XXXX refinance in XXXX. My escrow was approx {$2000.00} off when I modified. Now it is {$3500.00}. I was not allowed to have a new loan without my escrow included.

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: 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:
My personal information is all over the internet. I have been severely affected by the data breach. I am beyond frustrated and deeply disappointed with Equifax, Experian, and TransUnion for their continuous failure to protect our most sensitive personal information. In the past I didn't understand credit at all. It wasn't until recently of me trying to use my credit to purchase a home for me to realize the damage done over the years. There are several negative inaccurate accounts on my consumer report with Equifax, Experian, Transunion, XXXX XXXX, and more as well. Isn't it against the law to report inaccurate information on consumer reports. 15 U.S.C. 1681. I see that some auto loans have been taken out in my name. I see a lot of negative inaccurate information on my credit report that wasn't done by me. Equifax, Experian, and TransUnion have failed to secure our data, leaving millions of people, including myself, vulnerable to fraud, identity theft, and financial instability.This is not just an inconvenience ; it has severely impacted my livelihood. I have worked hard to maintain my financial health, yet these companies ' negligence has put my security at risk. The stress of constantly monitoring my credit, disputing fraudulent activities, and worrying about potential financial damage is overwhelming. These data breaches are not minor errors they are catastrophic failures that disrupt lives. We, as consumers, do not have a choice in whether these agencies collect our information. Yet, despite their responsibility to safeguard our data, they have continuously failed, offering only generic apologies and insufficient remedies. It is unacceptable that the very institutions that dictate our financial credibility can not be trusted to protect the information they demand from us. I am demanding stronger protections for consumers. We should not have to live in fear of the next breach, the next fraudulent charge, or the next financial hurdle caused by their carelessness. Enough is enough. I can only image how many breaches have taken place since XX/XX/year> when the fraud occurred. Everyone has a specific profession, not everyone is pros at understanding credit. I am just now gaining the knowledge of this identity theft that has taken place. Who knows how long this has been going on. I will include the information about the Equifax Data Breach in this complaint.

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: 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:
My personal information is all over the internet. I have been severely affected by the data breach. I am beyond frustrated and deeply disappointed with Equifax, Experian, and TransUnion for their continuous failure to protect our most sensitive personal information. In the past I didn't understand credit at all. It wasn't until recently of me trying to use my credit to purchase a home for me to realize the damage done over the years. There are several negative inaccurate accounts on my consumer report with Equifax, Experian, Transunion, XXXX XXXX, and more as well. Isn't it against the law to report inaccurate information on consumer reports. 15 U.S.C. 1681. I see that some auto loans have been taken out in my name. I see a lot of negative inaccurate information on my credit report that wasn't done by me. Equifax, Experian, and TransUnion have failed to secure our data, leaving millions of people, including myself, vulnerable to fraud, identity theft, and financial instability.This is not just an inconvenience ; it has severely impacted my livelihood. I have worked hard to maintain my financial health, yet these companies ' negligence has put my security at risk. The stress of constantly monitoring my credit, disputing fraudulent activities, and worrying about potential financial damage is overwhelming. These data breaches are not minor errors they are catastrophic failures that disrupt lives. We, as consumers, do not have a choice in whether these agencies collect our information. Yet, despite their responsibility to safeguard our data, they have continuously failed, offering only generic apologies and insufficient remedies. It is unacceptable that the very institutions that dictate our financial credibility can not be trusted to protect the information they demand from us. I am demanding stronger protections for consumers. We should not have to live in fear of the next breach, the next fraudulent charge, or the next financial hurdle caused by their carelessness. Enough is enough. I can only image how many breaches have taken place since XX/XX/year> when the fraud occurred. Everyone has a specific profession, not everyone is pros at understanding credit. I am just now gaining the knowledge of this identity theft that has taken place. Who knows how long this has been going on. I will include the information about the Equifax Data Breach in this complaint.

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Saw a XXXX XXXX on sale via XXXX  which redirected me to XXXX  XX/XX/XXXX : seller of classic car ( XXXX XXXX, XXXX ) responded to my email ( from XXXX  ) asking about car for sale. 
Seller stated they worked on offshore oil rigs, and needed a 3rd party broker ( XXXX XXXX XXXX ) to facilitate sale and transport of vehicle advertised. 
XX/XX/XXXX thru XX/XX/XXXX : emailed XXXX XXXX and talked via phone to broker ( XXXX XXXX of XXXX XXXX XXXX ) ironing out details of contract and information of vehicle purchase. 
XX/XX/XXXX : wire transferred {$24000.00} to bank acct given ( TD Bank ), to purchase vehicle. 
XX/XX/XXXX thru XX/XX/XXXX : kept in communication ( both phone and email ) with XXXX XXXX @ XXXX and XXXX XXXX ( email only ), asking for updates on vehicle transport. 
XX/XX/XXXX : both XXXX XXXX and XXXX XXXX stopped all communication to me. 
XX/XX/XXXX : contacted my bank ( XXXX ) and reported wire fraud. Security dept personnel at XXXX stated they would contact TD Bank to attempt return of funds wired ( {$24000.00} ). 
XX/XX/XXXX : XXXX ( local rep at XXXX ) phoned to tell me the XXXX security dept could not get TD Bank to return my stolen funds.

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 — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I sent a certified letter to Experian, which was confirmed as received on XX/XX/year> requesting that incorrect addresses on my credit report be removed. The company responded by sending me an email stating that they received communication that may not have come directly from me. The letter in fact came directly from me, which is why I sent it certified mail return receipt requested. I have the proof that Experian did in fact receive the letter and they have failed to act accordingly. This is a blatant violation of my consumer rights and I demand action. As a matter of fact, I have sent multiple letters to Experian in regards to information they are reporting about me, and each time I have gotten an email stating that the communication seems to have not come directly from me.

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: 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: SC

Complaint narrative:
XX/XX/year> put a deposit in with the company letting them no that they agreed to removed negative report due to account was reported even though they knowledge that it was bc of a XXXX a natural cause.

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: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX. 
My husband took you a loan in the amount of {$2400.00}, in my name. He didnt ask me, I didnt give an agreement. 
He just presented me with a fait accompli. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL, XXXX XXXX Account Number : XXXX My relatives and I are in XXXX  process. I also dont understand XXXX well. 

In XXXX and XXXX, NetCredit automatically withdrew {$360.00} and {$340.00} from my bank account ( {$700.00} ). 
This payment includes only {$80.00} to pay off the loan, {$280.00} and {$260.00} is the banks interest. 
This is an incredibly inflated interest rate, not justified by anything. I consider this a fraud. 

Its too expensive. I cant pay such interest. Its very expensive for me. 

I ask to take action, since I did not agree to such a loan. And either recalculate to normal, adequate interest rates. 

According to the on consumer protection, this product ( loan ) does not suit me at all. 
And I see no reason to pay so crazy interest rates for nothing. 

They dont answer me. 

Sincerely, XXXX XXXX XX/XX/year>

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXXXXXX XX/XX/year> BALANCE : {$450.00} I have been fighting back and forth since 2020, with Equifax to have this account removed. I have sent a police report and a Affidavit to prove my identity was stolen to open this account. They have claim to have gone through an investigation and it come back verified, but I have never received any documents or the ones I have requested on many occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
NATIONAL CREDIT SYSTEMS located at XXXX XXXX XXXX XXXX  XXXX, GA XXXX continues to report an illegitImate debt to the credit agencies from XXXX at XXXX. 
I've never signed a lease with XXXX at XXXX and the lease they utilize is from XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXX communities failed to comply the lease from XXXX XXXX, specifically the part under section XXXX ( c ) of completing repairs within 7 days, which allowed us to leave the unit without having to buyout our lease.

NCS has failed to validate this. 
After many emails with the property management company, they continued to say they fixed issues which were clearly not fixed and I provided pictures of those that were not fixed with time stamps. After acknowledging they were not fixed, they still said they refused to comply with the lease since it was not their lease. 
I have signed no lease with XXXX XXXX, or XXXX at midtown. 

Even so the information is still invalid as the simple details such as the money I paid for rent was not prorated, and they charged me for rent through XX/XX/year>, although I moved out XX/XX/year>. 
National Credit Systems has failed to review my documents to ensure the debt was correct or even owed at all, they've continued to report to the agencies that I owe a debt. I would like an ID block on this debt and would like this removed immediately from all credit reporting agencies due to it being incorrect, or have a legal judgment proving this was my debt.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigae my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts that i marked as inaccurate, XXXX XXXX XXXX,.

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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TrueAccord Corp.
State: FL

Complaint narrative:
True Accord is a debt collector, and they are claiming I owe this debt for XXXX XXXX XXXX account number ending in XXXX ( current creditor of my original Credit XXXX XXXX, account ending in XXXX ) I made XXXX payments of {$84.00}. Now I am receiving a bill for the same credit card from XXXX XXXX XXXX. So I stopped paying True Accord. I would like the money back form True Accord since they can not verify the debt. The total I paid them {$500.00}. I wrote to them and asked for verification of debt and have not responded.

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities.

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report.

Provide written results of your reinvestigation within the 30-day timeframe required by FCRA 15 U.S.C. 1681i ( 6 ).

Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. '' Accounts highlighted in green represent inaccurate payment history and must be corrected immediately. Accounts marked in yellow as charge-offs violate FDCPA Section 807 due to false and misleading reporting. These, along with any incorrect personal information, must be deleted immediately from 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