vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-07 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: FL

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with 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 non-monetary relief
Consumer complaint received 2025-03-07 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: NJ

Complaint narrative:
I am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding Experians failure to accurately report my personal information. My correct legal name is XXXX XXXX XXXX XXXX, yet Experian has incorrectly listed a name variation as XXXX XXXX. I request that Experian update its records to reflect my full and accurate name as shown on my proof of identity. Additionally, my correct address is XXXX XXXX XXXX, XXXX, NJ XXXX, but Experian has incorrectly added XXXX XXXX to my address. I request that Experian remove XXXX XXXX and ensure my address appears exactly as it does on my drivers license and utility bill, which serve as proof of my residence. Furthermore, the following addresses are not mine and should be removed from my credit report immediately : XXXX XXXX XXXX, XXXX XXXX, TX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX. Experian has also reported incorrect employer information. The listing XXXXXXXX XXXX XXXXXXXX XXXX and XXXX XXXX is inaccurate. My correct employer is XXXX XXXX XXXX XXXX, and I request that Experian update this information accordingly. Experians failure to maintain the maximum possible accuracy in my credit report violates the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681e ( b ). I expect Experian to correct these inaccuracies promptly and ensure that my personal information is reported correctly and fairly.

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 2025-03-07 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SOFI TECHNOLOGIES, INC.
State: NJ

Complaint narrative:
I want to make it clear that this judgment is not mine and should never have been filed against me. In the past, someone attempted to take out a student loan using my identity. When I reviewed my credit report, I discovered the fraudulent account and immediately disputed it with all three major credit bureaus. As a result, the account was successfully removed from my credit file, confirming that it was never mine. This judgment was originally filed against me in XXXX, but the case was dismissed in XXXX. Despite this, the attorney and plaintiff have improperly refiled the case against me, even though I have no connection to this debt. This is unfair and appears to be an abuse of the legal system. I have already taken the necessary steps to protect myself, including filing a police report regarding the identity theft. Additionally, the continued attempts to collect on a debt that does not belong to me and the refiling of a previously dismissed case may violate my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Pursuing a debt with clear proof that I am not responsible for it is not only unjust but also deceptive and misleading. I am requesting that all collection efforts related to this judgment cease immediately. I also ask that this case be dismissed with prejudice to prevent it from being wrongfully refiled against me again in the future. I should not have to repeatedly fight against a claim that has already been proven false.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: MS

Complaint narrative:
This account XXXX XXXX do not belongs to me. I have no knowledge of it. Please investigate and provide proof with my signature on this account. If you can provide proof that this is my account within 15 days please remove this account from my report asap. It's costing me thousands.

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 2025-03-07 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: Waypoint Resource Group, LLC
State: TX

Complaint narrative:
I recently submitted a report via email to dispute inaccurate information from the credit bureau regarding my credit card statement. Despite my request for further investigation, the company has failed to take action. I kindly request your immediate attention to resolve this issue. Additionally, I would appreciate a confirmation receipt for 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 2025-03-07 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: GA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

. 
Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I am writing to formally document my ongoing efforts to resolve the outstanding balance of {$2600.00} on my account. The majority of this balance consists of interest fees and late penalties that have accumulated over time despite my attempts to make payments. 

I have repeatedly contacted the facility to dispute the late fees and inquire about the most effective ways to reduce the balance. Each time, I was advised to simply make the most of my available funds. However, the payment process has been a significant challenge, as I am unable to make payments directly through an online portal or automated system. I must call each time to process a payment, which has resulted in delays and inconsistencies that have severely impacted my ability to stay current on the account. 

As a result, my credit score has suffered substantial damage, and despite my efforts, I have not been able to recover from the negative impact. The structure of this payment system has made it extremely difficult to manage the account effectively, and I am seeking a resolution that allows for a more accessible and fair repayment process.

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 2025-03-07 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: PA

Complaint narrative:
Experian has refused to honor my ID theft report for accounts that are not associated sites with me. They have asked for the same verifying documentation XXXX, which have all been provided. They claim they are unable to see the attachments to the CFBP and have requested verifying information from the debt furnishers which are on accounts where my identity has been stolen in not only the data breach. I have submitted documents and over the phone they refused to remove an account and address not associated with me and this account was included on my ID theft report. They verified forged accounts and refunded to share how they verified false data that the other agencies have determined to be fraudulent. Even verifying a debt after the furnisher provided me with a delete tradlibe due to fraud letter

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 2025-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am filing this formal complaint regarding a fraudulent check deposit that was processed by Bank of America without proper endorsement verification. 

Issue Summary : On XX/XX/year>, a check in the amount of {$3400.00}, payable to me, was fraudulently deposited at Bank of America. However, I never received these funds. 

Upon investigating this matter, XXXX XXXX, the payor bank, confirmed in writing that Bank of America, as the depositary bank, was responsible under UCC 3-420 for ensuring the authenticity of endorsements before accepting the deposit. XXXX XXXX has denied liability, stating that they paid the check in full and that the burden of verification rests with Bank of America. 

Supporting Evidence : I am attaching XXXX XXXX official response, which explicitly states : Uniform Commercial Code ( UCC ) generally places the burden on the XXXX XXXX  in the collection chain to ensure that the requisite endorsements are present and authentic. 
Since XXXX XXXX was the drawee/payor bank and not the bank of the 1st deposit, it is not liable in conversion under UCC 3-420 .

As the check was deposited at Bank of America, it is Bank of Americas responsibility to address this matter.

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 2025-03-07 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 have a paid and settled account from XXXXXXXX XXXX XXXXhat the bureaus have not removed even though I have provided proof from of a promise from the creditor AND collections company to remove it from my credit after payment.

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 2025-03-07 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 have a paid and settled account from XXXXXXXX XXXX XXXXhat the bureaus have not removed even though I have provided proof from of a promise from the creditor AND collections company to remove it from my credit after payment.

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 2025-03-07 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: CA

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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 2025-03-07 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:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand XXXX XXXX  to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

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 2025-03-07 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX credit XXXX XXXX XXXX XXXX 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 : Account name : XXXX XXXX  Account number : 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 theftandfraud.

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 2025-03-07 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX credit XXXX XXXX XXXX XXXX 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 : Account name : XXXX XXXX  Account number : 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 theftandfraud.

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 2025-03-07 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: NJ

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC
State: OK

Complaint narrative:
My home loan is with New Rez, I have repeatedly tried to get them to remove my PMI. They hired clear capital to do a XXXX  on my home and I paid {$150.00}. The agent did the site visit and sent in a XXXX  with the home valuation at {$390000.00} but the square footage on my home was short XXXX square feet. XXXX XXXX  was the company hired to do the XXXX in XXXX and a revision was requested and sent back in to New Rez. At this point nobody in New Rez has been able to find the copy of this report stating that the square footage on my home is updated and the valuation is {$410000.00} which is adequate to removed the PMI on my monthly payment. This is the second complaint I am filing with the CFPB because New Rez responded to the original one stating this : Upon research of the issue, we determined that the revised XXXX reflects additional square footage and other/additional sales comparables however the home value remains unchanged at {$390000.00}. This valuation is based on the sales analysis of the comparable properties within the report. The valuation is on XXXX XXXX of the XXXX. The two XXXX  are enclosed for reference HOWEVER THE SECOND REPORT THEY ATTACHED IS FROM XXXX XXXX XXXX YEARS OLD AND IS NOT THE CORRECTED ONE FROM 2025. 

Someone from New Rez needs to contact XXXX XXXX and get a copy of the updated and correct XXXX  dated XX/XX/year> from XXXX XXXX and broker XXXX XXXX. 
Continuing to deny my request to remove PMI due to a XXXX  from three years ago is not compliant. I will continue to file complaints until someone from New Rez does the ground work to track down the correct report and then acknowledges the value of my home is sufficient to have the investor remove the PMI. Instead of being concerned with customer service and working towards a solution the main focus of New Rez continues to be to solicit me for home equity loans and new business which is ironic because if I have enough equity in my home as stated by New Rez marketing emails than I have enough equity to remove my PMI!!!

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 2025-03-07 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Westcreek Financial
State: IA

Complaint narrative:
I entered into a lease-to-own agreement with Koalafi on XX/XX/year>2024, for a mattress priced at {$2400.00} ( including tax ). I understood that if I paid off the lease within 120 days, I would avoid additional fees. However, due to financial constraints, I was unable to meet the early purchase deadline by XX/XX/year>2024 ( by one payment ) Despite this, I have already paid $ XXXXmore than the original cost of the mattress. However, Koalafi still demands an additional {$900.00} to buy out the lease, bringing my total cost to over $ XXXXnearly double the retail price. 

I attempted to negotiate a fair settlement, but Koalafi refused to lower the amount beyond {$900.00}. I requested written confirmation of this balance to ensure there were no additional fees. I also raised concerns about the misleading nature of their pricing model, which forces customers to pay well beyond an items value to complete their lease. 

While I acknowledge that I missed the early purchase option deadline, I believe Koalafis lease-to-own structure is still unfair and predatory because : The total scheduled payments far exceed a reasonable cost for the item. 
Consumers are led to believe they are making payments toward ownership but end up paying double the retail value. 
Koalafi offers no fair settlement options, even after I have already paid more than the items original price. 
I am requesting either a full waiver of the remaining balance or a formal investigation into Koalafis leasing practices. Consumers should not be forced to pay double the value of an item just to obtain ownership.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: FL

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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 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