vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-27 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:
My name is XXXX XXXX. My identity was stolen and I have been dealing with the fallout for years XXXX  Some of the perpetrators were arrested but it was a group and others still use my identity and credit in various ways. I just found out that someone was using my information in XXXX  and XXXX  XXXX XXXX for XXXX and XXXX. They had identification and drivers license in my name but their pictures. The person in XXXX  is white but I am XXXX XXXX however they were able to get past XXXX. This means that they registered a vehicle and had insurance in my name. Ive also received medical bills in my name that were not mine. 
They also had duplicates of my credit cards and could use my credit cards at anytime. Because they had all of my information they could go into the credit bureaus and change or reverse anything that I did. Its been horrible and stressful for years. With the recent information breaches fraudulent activities have increased. Im even more frustrated because companies ask me questions and for information that I dont have because others are using my identity. They even used my bank account to make payments to make it look as if it was me making the payments. I struggled to keep up payments because I wanted to maintain good credit and I felt like there was nothing more that I could do because I couldnt get help. Now I cant make the payments and my credit is suffering. The problem is I did use the cards but others were using them also but I was stuck paying the bills. Ive payed my debts but been forced to pay others debts as well. Ive been successful in challenging some things but its hard to deal with this situation because some of it is me and lots of it is fraudulent. This has caused me to have panic attacks and close to a nervous breakdown along with other issues in my life. My credit debts is so convoluted by fraud that Ive considered getting a new social security number and starting over. I dont know what to do! Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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:
This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my credit report that is the results of Identity theft, data Breach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX XXXX XXXX XXXX XXXX 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 maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARINTG IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.

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 2025-02-27 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: TX

Complaint narrative:
My personal information was breached in the Equifax data breach. Adverse information was furnished to my consumer FICO report. Please review the attached items for more details. I expect these fraudulent accounts to be removed in 4 business days according to the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Axela Technologies, Inc
State: AL

Complaint narrative:
XX/XX/year> - received notice of debt collection by a company by the name of Schwartz Vays, that I owed almost {$900.00} for a debt that was {$170.00}. I never received previous collection attempts or notices that my account would be sent to a collection agency and have no way to verify the validity of Schwartz Vays claims that attempts were made. 
I contacted them the same day via dispute portal on their website and received a collection of forms that appear to have been generated and have questionable dates. Upon sending a PDF with a collection of items in it they marked the dispute as resolved and vowed to resume collections on the account. After researching this company further they appear to be a scammer collection agency which is notorious for attempting to collect 3-4 times the original amount of a debt typically HOA dues. 

XX/XX/year> - I open a new dispute requesting verification ( certified mail receipts or copies of any article with a wet ink signature ) of previous attempts to collect this debt since I never received these notices I can't verify their claims, a week goes by and a I check their portal only to see that the dispute is listed as " XXXX '' I am not sure what this means other than they either refuse to provide these items or are unwilling to provide these items. 

XX/XX/year> - I resubmit a copy of the previous dispute requesting the items to verify their claims and notify them of my intention to submit a complaint to the XXXX in an attempt to resolve the 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 2025-02-27 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: IL

Complaint narrative:
I am filing this formal complaint against Experian and Equifax for failing to properly investigate and remove inaccurate and unlawfully reported charge-offs from my credit report, despite multiple disputes filed over the last two years via written correspondence and phone calls. Experian and Equifax has consistently violated my rights under the Fair Credit Reporting Act ( FCRA ) and ignored my disputes without conducting a proper reinvestigation as required by law. Violations of the Fair Credit Reporting Act ( FCRA ) : Failure to Conduct a Proper Reinvestigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) Under the FCRA, Experian is required to conduct a reasonable reinvestigation when a consumer disputes an item. Despite my previous disputes, Experian and Equifax has continuously failed to verify the accuracy of these charge-offs and remove them when the creditors failed to provide proper documentation. Unlawful Reporting of Charge-Offs Without Issuing a 1099-C ( 26 U.S.C. 6050P ) Creditors are legally required to issue a 1099-C Cancellation of Debt when a debt is charged off, written off or canceled. If no 1099-C has been issued, the debt has not been officially canceled, making it unlawful for Experian and Equifax to report it as a charge-off. By reporting charge-offs without proof of a 1099-C, Experian and Equifaxis willfully misrepresenting my credit obligations, which is a violation of 15 U.S.C. 1681e ( b ) ( duty to maintain maximum possible accuracy ). Failure to Verify or Validate Debt ( 15 U.S.C. 1681s-2 ) : The furnisher failed to provide verifiable proof that the charge-offs were valid, yet Experian and Equifax continued to report them. The failure to properly investigate and validate these accounts violates federal law. Recent Lawsuit Against Experian and Equifax & Precedent for Permanent Removal : A recent lawsuit against Experian and Equifax highlights their pattern of failing to conduct proper reinvestigations and verify data, leading to numerous wrongful credit report entries. noncompliance with the FCRA. 
In addition to this I was sent a letter from both Experian Equifax stating no charge off accounts are listed on my account which I received XXXXXXXX XXXX when that is untrue as they provided a report listing the very accounts in question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 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: TX

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate 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. 2025-CFPB-0002 ) 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. 

XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-02-27 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: TX

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate 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. 2025-CFPB-0002 ) 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. 

XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute the inaccurate reporting of a XXXX XXXX  account ( Account # XXXX ) on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ), I am requesting an immediate investigation and removal of this account due to multiple inaccuracies that violate my consumer rights. 

This account was previously verified but remains inaccurately reported. The following details are incorrect and require immediate correction or deletion : High Balance Date of Last Activity Date Reported Date Opened Closed Date XXXX Late Payment XXXX Late Payment XXXX Late Payment Under FCRA 1681s-2 ( a ), furnishers of information are required to report only accurate and complete information. Since this account contains multiple discrepancies, it fails to meet the accuracy standards outlined in the law. Additionally, under 1681i ( a ) ( XXXX ), if the information can not be verified as completely accurate, it must be deleted from my credit report. 

I demand that TransUnion and Experian conduct a reinvestigation of this account and provide me with written confirmation of its removal within XXXX  days, per the requirements of the FCRA. If this account is not properly removed, I will have no choice but to escalate this matter to seek legal remedies to enforce my rights.

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 2025-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: BSI Financial Holdings, Inc.
State: CA

Complaint narrative:
On XXXX of 2024 I became sick with XXXX XXXX and was out of work with no income for several weeks. Once I got better and my income picked back up I requested for mortgage help from XXXX and submitted all documents requesting a Repayment or modification anything to keep the roof over my family head. I submitted all documents and didnt hear back from XXXX until I was denied for missing documents. I had submitted all documents to BSI as requested but each time I tried to reach my single point of contact they where extremely rude to me and I never received an update during my loss mitigation review period they issued me a foreclosure date on my home. I believe XXXX is in violation of dual tracking of foreclosure. I explained to XXXX my financial hardship and they assured me I can be placed on to a forbearance and once my income picked up they would place the past due in a partial claim but I never received any paper work and when I would call in to check in the status there was no notes or recollection of my prior conversation with them about this. I believe I was mislead by XXXX just foreclose on my home

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: IA

Complaint narrative:
I noticed derogatory remarks on my credit report from LVNV funding LLC account status open u see lending club as well then started receiving phone calls from resurgent capital services emails text stating it is on a pre legal track and will be 4 months away from going to attorneys then I sent debt validation letters to both companies which I received nothing in response I keep getting emails. With attempts to collect a debt Ive sent a cease and desist letter to both companies I have also sent letter to all three credit bureaus major credit bureaus to have these items removed from my credit and have not gotten any results I also requested under US code 1962 to stop all communication till the debt it validated which has not been I sent all the correspondence via certified mail so I have records so no compliance by either companies trying to collect debt after I have taken the necessary steps to validate and want the items removed from my report under the fair credit act I have rights to everything I requested and have not received a thing from

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 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:
Upon reviewing my Experian credit report, I noticed several hard inquiries and fraudulent accounts that I did not authorize. The unauthorized inquiries include : XXXXXX/XX/XXXXXXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX Additionally, I found fraudulent accounts in my report that I never opened : XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX Opened XX/XX/XXXX These accounts were not authorized by me, and I believe they are the result of identity theft, as documented in my FTC Identity Theft Report ( # XXXX ). Their presence on my report is causing me financial harm and impacting my credit score.

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 2025-02-27 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:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. XXXX ) that you, the Bureau 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 - XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX BANK - 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 as proof from the US Federal Trade Commission that all 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 2025-02-27 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: MD

Complaint narrative:
I'm writing to bestow my anxiety concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: MO

Complaint narrative:
I was the victim of a " Bitcoin '' scam though not all money was sent via bitcoin. The loss totals {$1900.00}. I contacted my bank to let them know that I was a victim of a scam and filed a dispute with Chime. I filed a police report at my local PD and filed a report with the FTC. The investigation was said to take 30 days and they took only two. They denied my claim before I was able to provide screenshots of messages and emails and my FTC complaint. I will now be filing a report with the FBI providing email addresses, phone numbers and social media messages to help locate the scammers. My bank, Chime, as again denied my claim of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
There has been 2 different incidents with Wells Fargo. The first was on XXXX there was a transaction being paid out to XXXX XXXX, somewhere in XXXX I live in the US , for the amount of {$470.00}. I opened a dispute and We ', XXXX XXXX XXXX that they believe I hired this lawyer and it was for some paperwork so they closed my case. The second incident happened XXXX XXXX where someone used a debit card and my pin and was able to withdraw {$400.00} from my account. Again the bank closed the claim saying that they believe I knew this person and gave authorization to use my card. However, when I called and asked to reopen the case because that was incorrect and I wanted to see who took out money from my account, video footage, I got denied and they said they were very sorry but that they couldn't help me any further. At this point it sounds to me that this is an employee perharps taking my money and they are covering each other and I'm starting to believe this is a XXXX and ageist situation. I am XXXX in my mid XXXX but luckily I have children who can assist me in knowing my rights and the bank needs to make sure I get the {$870.00} back into my account, this is not fair. Please please do not put your money in Well Fargo!

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 2025-02-27 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:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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