vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-31 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: DE

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 explanation
Consumer complaint received 2025-03-31 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: DE

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 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PENNYMAC LOAN SERVICES, LLC.
State: ID

Complaint narrative:
In 2022 I became XXXX and applied for forbearance from Penny Mac mortgage on my VA loan, they repeatedly denied my forbearance, wanting to refinance the loan at an extremely high interest rate instead of allowing the other usual options under forbearance, we got assistance to bring account current from the state of Arizona who actually cared and understood the situation. I have recently reached out to Penny Mac because of the late hits on my credit from this time period and was told pretty much too bad itll be removed from your credit within 7 years, no empathy no discussion, nothing from them other than too bad. This company is a predator and does not care about the consumer or circumstances one bit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Newport Intermediate Inc.

Complaint narrative:
I am raising a serious and urgent complaint against XXXX XXXX XXXX regarding a failed international bank transfer of USD {$6400.00}, initiated on Sunday, XXXX XX/XX/scrub> 2025. 

I received written confirmation that the funds would be available in my account no later than XXXX XX/XX/year>. As of XXXX XX/XX/scrub> 2025, no funds had arrived. I immediately contacted XXXX XXXX XXXX and made a reasonable request for a UETR ( Unique End-to-End Transaction Reference ) a standard requirement for tracing international SWIFT transactions. I was told this was not available and that they were unable to provide basic details such as the receiving bank, nor could they confirm whether I had access to any of this information. This is an astounding failure in transparency and compliance. 

I was advised to call back on Monday, XXXX XX/XX/year>2025, for escalation. Upon doing so, I was met with conflicting information and was told escalation was not possible. Instead, I was told to wait 14 days, a position that contradicts earlier guidance and lacks justification. 

I escalated the matter to a manager named XXXX ( XXXX : XXXX ) who demonstrated a disgraceful lack of professionalism, empathy, and knowledge. He not only refused to assist me, but insinuated fault on my part and failed to provide even the most basic level of customer service. He could not confirm the destination of my funds, refused to escalate the case, and had no clarity whatsoever on what would happen after the arbitrary 14-day window. 

When pressed, he cited XXXX laws as the reason for the delay but was unable to specify which law applied or why. His behaviour was combative, dismissive, and completely unfit for someone in a managerial capacity. The interaction left me shocked, unsupported, and with no confidence in XXXX XXXX XXXX ability to handle this matter professionally or legally. 

This delay is causing severe financial distress, impacting my ability to meet housing costs, purchase food, and maintain financial stability. I made this transaction in good faith. The lack of transparency, accountability, and basic competence from XXXX XXXX XXXX is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Collection Receivables, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX XXXX called my mother with serious health issues and told her that I was in trouble and it was very important that I get in touch with her and wouldn't tell my mother what sort of " trouble '' I was in. XXXX has also hung up on me on different occasions and has harassed me for several years now over a debt that is not my debt to pay. Today, XX/XX/XXXX she called me and the conversation on her end turned aggressive and rude. She interrupted the entire time while I respectfully tried to talk to her not remembering who she was from before and then " terminated the call '' before I was done getting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: NC

Complaint narrative:
Transunion XXXX and Equifax are reporting inaccurate information on my credit report. And continue to violate 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION. This erroneous information is ruining my credibility, and I would like it removed entirely from my credit report. List of inaccurate information : the reporting of XXXX XXXX and XXXXXXXX XXXX  XXXX is inaccurate and must be deleted as INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes the reporting of these accounts Inaccurate. Once again, 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION ( A ) Reporting Information with actual knowledge of errors 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 data is inaccurate. Duty : a moral or legal obligation ; a responsibility. Accurate : correct in all details ; exact. PROHIBITION : a law or regulation forbidding something As Defined by the IRS. Even if you didn't receive a Form 1099-C, you must report the canceled debt as gross Income on your tax return. The IRS Clearly defines a charge-off as Gross or Ordinary Income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes your reporting of this account Inaccurate. Both XXXX XXXX and XXXX XXXX  XXXX are inaccurate and must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Weber & Olcese, PLC
State: MI

Complaint narrative:
I called and asked for a settlement offer. The authorized agent made a settlement offer. After several minutes of negotiations, we agreed on a settlement. Seconds later, the authorized agent said he did not have the authority to make the offer and rescinded it. 

This was a valid contract and should be enforced.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: MD

Complaint narrative:
After receiving a email from Equifax notifying me that my personal information has been in a data breach. I discovered negative and unauthorized information on my credit report, I suspected identity theft and immediately contacted Experian, Equifax and TransUnion to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the Equifax breach. Despite my efforts, Experian, Transunion and Equifax denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. This denial has caused significant distress, which have negatively affected my financial stability and mental well-being, as these negative marks are damaging my credit and financial standing. Specifically, I have faced multiple instances of being denied services, including credit applications and other essential opportunities. I believe that Experian, Transunion and Equifax has not fully investigated the potential identity theft tied to the Equitax breach and I am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my tinancial well-being. 
UNAUTHORIZED ACCOUNTS LISTED BELOW : 1.Account Name : XXXX XXXX XXXX XXXX Account Balance : XXXX Date Opened:XXXX 2.Account Name : XXXX XXXX XXXX Account Balance : XXXX XXXX XXXX 3.Account Name : XXXX XXXX XXXX Account Balance : {$250.00} Date XXXX XXXX XXXX XXXX : XXXX. ) XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX. ) XXXX XXXX XXXX XXXX, MD XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX. ) XXXX XXXX XXXX XXXX, MD XXXX INCORRECT NAMES LISTED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-03-31 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: MD

Complaint narrative:
After receiving a email from Equifax notifying me that my personal information has been in a data breach. I discovered negative and unauthorized information on my credit report, I suspected identity theft and immediately contacted Experian, Equifax and TransUnion to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the Equifax breach. Despite my efforts, Experian, Transunion and Equifax denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. This denial has caused significant distress, which have negatively affected my financial stability and mental well-being, as these negative marks are damaging my credit and financial standing. Specifically, I have faced multiple instances of being denied services, including credit applications and other essential opportunities. I believe that Experian, Transunion and Equifax has not fully investigated the potential identity theft tied to the Equitax breach and I am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my tinancial well-being. 
UNAUTHORIZED ACCOUNTS LISTED BELOW : 1.Account Name : XXXX XXXX XXXX XXXX Account Balance : XXXX Date Opened:XXXX 2.Account Name : XXXX XXXX XXXX Account Balance : XXXX XXXX XXXX 3.Account Name : XXXX XXXX XXXX Account Balance : {$250.00} Date XXXX XXXX XXXX XXXX : XXXX. ) XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX. ) XXXX XXXX XXXX XXXX, MD XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX. ) XXXX XXXX XXXX XXXX, MD XXXX INCORRECT NAMES LISTED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal 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 2025-03-31 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: CT

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
I have been receiving daily phone calls from XXXX XXXX XXXX to collect on a debt from a closed account with Fifth Third Bank. I contacted Fifth Third Bank on XX/XX/XXXX at XXXX and spoke with a customer service agent about the account to see if I could make a payment. I was informed that the account was closed out, and charged off at XXXX XXXX XXXX. I was instructed to contact XXXX XXXX XXXX. I spoke to someone at XXXX XXXX XXXX and asked them where the charges were from. XXXX XXXX XXXX informed me that they acquired the debt in XX/XX/XXXX, and there was an original overdraft of {$37.00} with {$110.00} of interest and a charge off or transfer fee of {$30.00}. I contacted Fifth Third Bank again, and requested to speak with a supervisor about the account. I was informed that Fifth Third Bank will charge an overdraft fee of {$37.00} a maximum of 3 times, per day on accounts. I was charged overdraft fees of {$37.00} on XX/XX/XXXX on a {$7.00} debit from my account, {$37.00} on XX/XX/XXXX on a debit for XXXX and {$37.00} on a debit for {$5.00}. I was also informed that there was a transfer fee of {$30.00} from Fifth Third Bank XXXX XXXX XXXX XXXX and this brings the total to {$170.00}. That is {$110.00} of overdraft charges on {$33.00} of overdraft debit charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. 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 explanation
Consumer complaint received 2025-03-31 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: AZ

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Global Tel*Link Corporation
State: TN

Complaint narrative:
I have a gtl account for an inmate. I have phone and commisary accounts. The phone account does not have a set price for calls. The time is XXXX minutes per call. The price should be approximately {$2.00} per call. However, somedays it is {$3.00}, and other days {$4.00}. It is never the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On Friday, XX/XX/XXXX during the day I made an online transfer of {$7000.00} from my Chase XXXX Account to my XXXX XXXX XXXX Account with XXXX. The money has not been transferred promptly since Monday, XX/XX/XXXX. 

I am now unable to pay my taxes and my check will not cover the amount due to the Internal Revenue Service and I will be charged for a bounced check ONLINE TRANSFER TO XXXX XXXX XXXX ... XXXX TRANSACTION # : XXXX XX/XX/XXXX ONLINE TRANSFER TO XXXX XXXX XXXX ... XXXX TRANSACTION # : XXXX XX/XX/XXXX Account transfer {$7000.00} negative {$7000.00} I was informed when I made the transfer that the funds would be in the account my Monday, XX/XX/XXXX, and they are still not in the account which could cause a financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.


Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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