vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-06 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:
Dear CFPB, I am submitting this complaint to enforce my rights under the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards. I have disputed inaccurate information on my credit report using the Metro 2 format, citing specific FCRA violations. The credit reporting agencies and data furnishers have failed to properly investigate and correct these inaccuracies as required by law. This non-compliance violates my rights under 15 U.S.C. 1681i ( reinvestigation of disputes ) and 15 U.S.C. 1681s-2 ( responsibilities of furnishers ). I request immediate enforcement action to ensure full compliance and the removal of all unverifiable or inaccurate 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 2025-03-06 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently received a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-03-06 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX XXXX, Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 an apartment lease opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ), an a personal private loan account opened at XXXX on XX/XX/XXXX under the account number ( private ), These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the collections in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) as proof from the XXXX 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 2025-03-06 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: TX

Complaint narrative:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking it.

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 2025-03-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: U.S. BANCORP
State: MN

Complaint narrative:
Purchased property XX/XX/XXXX. XXXX was in rough shape. We spent over {$100000.00} upgrading : plumbing, electrical, flooring, kitchen, bathrooms etc. 

US Bank has refused to release the PMI The current mortgage balance is roughly XXXX on this property that XXXX XXXX has assessed for XXXX, according to the XXXX XXXX assessor this property has a market value of $ XXXX. 

We reached out to US Bank mid XXXX, XX/XX/XXXX and again XX/XX/XXXX to request a real estate appraisal to view upgrades. all XXXX requests have been denied. 

We are current with our mortgage and have not been late with our monthly mortgage payments in the past. 

Request assistance to get US Bank to release PMI coverage

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 2025-03-06 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: GA

Complaint narrative:
Please see attached, this account has been reporting accuracy and harming me and 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 explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
I would like to say to anyone that looks to open a Home Depot credit line account please understand that they do not protect you in the case of stolen and fraudulent activity. Instead they try everything that they can to accuse you of fraudulent activity. Fraudulent activity occurred on my credit card XXXX. I reported the card as stolen. The case was initially denied. I was told it was because I was unable to be reached and that a LOLLIPOP WAS PURCHASED ( FRAUDULENT ) that matched a LOLLIPOP THAT WAS PURCHASED 3 years prior. Basically the conclusion that I made those purchases was based on a lollipop! I called several times and faxed over proof to them that I was not in town several times but each time they stated they did not receive the faxes and emails. Yet I have confirmation that the faxes and emails were received. Finally after filing a complaint with XXXX ( after almost a year of them denying they received my proof ), XXXX reached out to me to ask me to resubmit my proof. I sent over police report & information stating I was on a XXXX travel assignment out of town during that time. She then emails me back and says that she needs a specific timeline of the dates that I was out of town on. I submitted that XX/XX/year> along with license showing that the signature on the receipt did not come remotely close to matching my signature. EVEN AFTER THAT I RECEIVED AN EMAIL TODAY SAYING THAT THEY DENIED REOPENING MY CASE. EVERYONE PLEASE LEARN A VALUABLE LESSON FROM ME DO NOT AND I MEAN DO NOT OPEN A LINE OF CREDIT WITH HOME DEPOT. THEY WILL NOT SUPPORT YOU IN A CRISIS SITUATION AND INTURN ATTEMPT TO ACCUSE YOU OF COMMITING FRAUD INSTEAD. I WILL NEVER SHOP WITH THEM AGAIN.. side note a month ago I was in a Home Depot XXXX my XXXX XXXX daughter fell and hit her head on their concrete floor while in the paint section. NO ONE and I mean NO ONE bothered to come and check on us. Not even the paint sales associate standing XXXX away. STEER CLEAR OF HOME DEPOT 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 2025-03-06 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Inquiry is not authorized by me. I haven't spoken to this lender at the said date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: GA

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I closed an account with Wells Fargo over the phone on XX/XX/XXXX, Wells Fargo said they will mail me a cashier check and it would take up to XXXX business days. After a week of not receiving it I called them and they said I should wait until after the XXXX business days, On XXXX became concerned that the check was lost and I went to the XXXX XXXX branch to ask . I met with XXXX XXXX. She researched and found out that the check hadnt been negotiated yet, I said they need to put a stop payment on it because we didnt receive it. She gave us paperwork for a surety bond and said we can either pay for a bond and get a replacement check or wait 90 days. I chose to wait 90 days and on XX/XX/XXXX, I went back to the bank and she told me the check was negotiated on XX/XX/XXXX and therefore they couldnt give me another check. She helped me file a claim and while waiting for them to research I filed a police report. 
In the meantime I have received some emails from WF saying that they are closing my case. I have to keep going back to the branch and I refused to close the case, Banker opened another case for me and on XX/XX/XXXX I called the number on the latest letter from WF and after getting transferred 3 times and no one could open the case to look I finally got a phone number to the XXXX office and I talked to XXXX, my case XXXX and she told me they are still researching the case and I said they already know which branch the check was cashed and it was cashed without verification of the identity or approval from any senior banker. But she said they will get back to me in XXXX business days. 
Its clearly the tellers mistake for cashing the check to someone else other than the payee.

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 monetary relief
Consumer complaint received 2025-03-06 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: ND

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent account on my report, please remove these account from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: MO

Complaint narrative:
Under 15 USC 1681i ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), 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 or indirectly through a reseller, of such dispute, the agency shall, free of charge, 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 in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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:
In XXXX I took a long to complete my degree in the amount of {$2700.00} which accumulated with interest of {$100.00} as of today XX/XX/XXXX. Earlier this year, I found that my personal and financial information was compromised without my authorization ( XXXX XXXX data breach to our student loan information that also compromised our my personal information as well ) He has no rights to have access to this information without my consent. I disputed the loan but the bureaus wouldnt remove it from my credit report as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In XXXX I took a long to complete my degree in the amount of {$2700.00} which accumulated with interest of {$100.00} as of today XX/XX/XXXX. Earlier this year, I found that my personal and financial information was compromised without my authorization ( XXXX XXXX  data breach to our student loan information that also compromised our my personal information as well ) He has no rights to have access to this information without my consent. I disputed the loan but the bureaus wouldnt remove it from my credit report 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 2025-03-06 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: FL

Complaint narrative:
In XXXX I took a long to complete my degree in the amount of {$2700.00} which accumulated with interest of {$100.00} as of today XX/XX/XXXX. Earlier this year, I found that my personal and financial information was compromised without my authorization ( XXXX XXXX data breach to our student loan information that also compromised our my personal information as well ) He has no rights to have access to this information without my consent. I disputed the loan but the bureaus wouldnt remove it from my credit report 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 explanation
Consumer complaint received 2025-03-06 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: MS

Complaint narrative:
Upon reviewing my credit report, I noticed information that was fraudulent. It's hurting my ability to obtain credit.

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 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
XX/XX/year> tried multiple times to speak to an Experian live agent at their customer service phone number. I waited approximately XXXX HOUR on hold and still was not connected to an actual person. In multiple others attempts to connect, Experian 's automated phone system either hung up on me or put me on infinite hold. This is insanity. This company has a duty to accurately and fairly and timely respond to vital customer information, and they are flaunting their disdain for the public. They think they are above the law.

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 2025-03-06 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: AZ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 2025-03-06 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: GA

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

Company response to consumer: Closed with non-monetary relief