vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-02 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:
I PULLED MY EXPERIAN CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act XXXX the accounts listed on my attachments has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: WSFS FINANCIAL CORPORATION
State: PA

Complaint narrative:
DATA BREACH BREACH OF PERSONAL INFORMATION - UNKNOWN HARD CREDIT PULLS ATTEMPTS TO ACQUIRE CREDIT FAILURE TO CLOSE AND REMOVE PAID ACCOUNTS

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: CA

Complaint narrative:
Complainant Information : Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, CA XXXX Phone : ( XXXX ) XXXX Email : XXXX Business Name : XXXX XXXXXXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX Complaint 1. Fraudulent Credit Reporting Misrepresentation of Creditor My personal and business credit reports wrongfully list an auto loan account under XXXX XXXX XXXX XXXX ( XXXX ), even though my original contract was with XXXX XXXX XXXX ( XXXX ). 
At no point was I informed that my loan would be assigned, transferred, or securitized by XXXX XXXX XXXX XXXX. 
This constitutes misrepresentation and deceptive lending practices under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 

2. Inaccurate Reporting of 30-Day Late Payments My credit report falsely states that I was 30 days late for payments in XX/XX/XXXX 2024 ( XX/XX/XXXX ) and XX/XX/XXXX 2024 ( XX/XX/XXXX ). 
I previously disputed these inaccuracies, but Experian, XXXX, and XXXX verified them as accurate without conducting a proper investigation. 
Under FCRA 1681i ( a ) ( 1 ) ( A ), the credit bureaus must conduct a full, legally compliant reinvestigation, yet they failed to do so.

Federal law prohibits the credit bureaus from relying solely on account statements as proof of delinquencythey must verify transaction logs, timestamps, and payment processing records.

3. Failure to Conduct a Proper Investigation & Verification The credit bureaus and XXXX XXXX XXXX failed to provide legally required documentation proving the validity of the late payments. 
They did not review actual payment processing logs or timestamps, which is a direct violation of FCRA compliance standards. 
Experian, XXXX, and XXXX failed in their legal obligation to verify information before re-reporting it as accurate. 

4. Failure to Provide Legally Required Credit Disclosures Under TILA ( 15 U.S.C. 1641 ( g ) ), I was never notified that my loan was assigned, transferred, or securitized. 
If XXXX XXXX XXXX transferred or securitized my loan with XXXX XXXX XXXX XXXX, I was never properly notified, violating federal lending laws. 

5. Potential Retaliation & Discriminatory Practices I have reason to believe that XXXX XXXX XXXX and XXXX XXXX XXXX XXXX may attempt to retaliate against me for filing this complaint. 
I am formally putting all parties on notice that they can not suspend my account, alter my credit terms, or take adverse action against my personal or business credit standing due to my disputes.

Under the Equal Credit Opportunity Act ( ECOA 15 U.S.C. 1691 ) and FCRA, any such retaliation is strictly prohibited.

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 2025-03-02 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: CA

Complaint narrative:
Complainant Information : Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, CA XXXX Phone : ( XXXX ) XXXX Email : XXXX Business Name : XXXX XXXX XXXX XXXXs Address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX Complaint 1. Fraudulent Credit Reporting Misrepresentation of Creditor My personal and business credit reports wrongfully list an auto loan account under XXXX XXXX XXXX XXXX ( XXXX ), even though my original contract was with XXXX XXXX XXXX ( AFS ). 
At no point was I informed that my loan would be assigned, transferred, or securitized by XXXX XXXX XXXX XXXX. 
This constitutes misrepresentation and deceptive lending practices under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 

2. Inaccurate Reporting of 30-Day Late Payments My credit report falsely states that I was 30 days late for payments in XXXX 2024 ( XX/XX/XXXX ) and XX/XX/XXXX 2024 ( XX/XX/XXXX ). 
I previously disputed these inaccuracies, but XXXX, Equifax, and XXXX verified them as accurate without conducting a proper investigation. 
Under FCRA 1681i ( a ) ( 1 ) ( A ), the credit bureaus must conduct a full, legally compliant reinvestigation, yet they failed to do so.

Federal law prohibits the credit bureaus from relying solely on account statements as proof of delinquencythey must verify transaction logs, timestamps, and payment processing records.

3. Failure to Conduct a Proper Investigation & Verification The credit bureaus and XXXX XXXX XXXX failed to provide legally required documentation proving the validity of the late payments. 
They did not review actual payment processing logs or timestamps, which is a direct violation of FCRA compliance standards. 
XXXX, Equifax, and XXXX failed in their legal obligation to verify information before re-reporting it as accurate. 

4. Failure to Provide Legally Required Credit Disclosures Under TILA ( 15 U.S.C. 1641 ( g ) ), I was never notified that my loan was assigned, transferred, or securitized. 
If XXXX XXXX XXXX transferred or securitized my loan with XXXX XXXX XXXX XXXX, I was never properly notified, violating federal lending laws. 

5. Potential Retaliation & Discriminatory Practices I have reason to believe that XXXX XXXX XXXX and XXXX XXXX XXXX XXXX may attempt to retaliate against me for filing this complaint. 
I am formally putting all parties on notice that they can not suspend my account, alter my credit terms, or take adverse action against my personal or business credit standing due to my disputes.

Under the Equal Credit Opportunity Act ( ECOA 15 U.S.C. 1691 ) and FCRA, any such retaliation is strictly prohibited.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 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: CA

Complaint narrative:
Complainant Information : Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, CA XXXX Phone : ( XXXX ) XXXX Email : XXXX Business Name : XXXX XXXX XXXX XXXX  Address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX Complaint 1. Fraudulent Credit Reporting Misrepresentation of Creditor My personal and business credit reports wrongfully list an auto loan account under XXXX XXXX XXXX XXXX ( XXXX ), even though my original contract was with XXXX XXXX XXXX ( XXXX ). 
At no point was I informed that my loan would be assigned, transferred, or securitized by XXXX XXXX XXXX XXXX. 
This constitutes misrepresentation and deceptive lending practices under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ).

2. Inaccurate Reporting of 30-Day Late Payments My credit report falsely states that I was 30 days late for payments in XX/XX/XXXX2024 ( XX/XX/XXXX ) and XX/XX/XXXX 2024 ( XX/XX/XXXX ). 
I previously disputed these inaccuracies, but XXXX, XXXX, and TransUnion verified them as accurate without conducting a proper investigation.

Under FCRA 1681i ( a ) ( 1 ) ( A ), the credit bureaus must conduct a full, legally compliant reinvestigation, yet they failed to do so.

Federal law prohibits the credit bureaus from relying solely on account statements as proof of delinquencythey must verify transaction logs, timestamps, and payment processing records.

3. Failure to Conduct a Proper Investigation & Verification The credit bureaus and XXXX XXXX XXXX failed to provide legally required documentation proving the validity of the late payments. 
They did not review actual payment processing logs or timestamps, which is a direct violation of FCRA compliance standards. 
XXXX, XXXX, and TransUnion failed in their legal obligation to verify information before re-reporting it as accurate.

4. Failure to Provide Legally Required Credit Disclosures Under TILA ( 15 U.S.C. 1641 ( g ) ), I was never notified that my loan was assigned, transferred, or securitized. 
If XXXX XXXX XXXX transferred or securitized my loan with XXXX XXXX XXXX XXXX, I was never properly notified, violating federal lending laws. 

5. Potential Retaliation & Discriminatory Practices I have reason to believe that XXXX XXXX XXXX and XXXX XXXX XXXX XXXX may attempt to retaliate against me for filing this complaint. 
I am formally putting all parties on notice that they can not suspend my account, alter my credit terms, or take adverse action against my personal or business credit standing due to my disputes. 
Under the Equal Credit Opportunity Act ( ECOA 15 U.S.C. 1691 ) and FCRA, any such retaliation is strictly prohibited.

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 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Tx XXXX XXXX : XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX Social Security XXXX XXXX, a resident of XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, Tx XXXX, submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : XXXX. Applicant Identification : Full Name : XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX Tx XXXX XXXX. Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
XXXX. Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID. 
o A copy of a recent utility bill or bank statement confirming my current address.

o A copy of my Social Security Number.

4. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
XXXX. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: TN

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NE

Complaint narrative:
I had monthly automatic payments set up of {$1200.00} through Navient. I did this as I was in a loan repayment program in which I had to sign a contract for, every quarter I would receive {$5000.00}, so I took that amount and divided it by 4 so I could spread that payment out of the quarter we were in so I would be paying on the loan appropriately. XX/XX/XXXX a large amount came out per the history report and then no payment unit XX/XX/XXXX was taken out. I searched and searched for answers ; I am not even able to log back into my old Navient account to see any history details as they are all gone. I can log into my new servicer XXXX but it's just as poor of a history. From what I have read on other forums online as this has happened to other people as well, was they took that lump sum that was supposed to be taking out monthly and only pay the minimum monthly payment and then carried that money over to the next month and continue to pay the minimum until that large lump sum ran out. They did NOT take out the monthly amount I had set up for automatic payment to favor them by extending my loan and causing me in turn to pay more. This is completely wrong, its unethical, it's how these companies maybe billions and I have been paying my loans off for 15+ years. I am sure there is some clause in small print that states I had to manually do an extra payment per month, but they have misled me and so many other people. I was also placed in a forbearance that I did not ask for or was even notified about. Until I realized my payment wasn't coming out, I called and asked, and they said it was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) so they automatically place me in it. I am trying to qualify for Public Loan Forgiveness but when they constant mess with your account and you do not know it, it is very difficult to achieve even though I have been paying these loans off for years. As stated, before I can no longer log into my Navient account to even look at my history. I have been cheated by the system and mislead and in the end my debt is still there. I am also now in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and now must justify why things went wrong. When I should be able to trust when I set up an automatic monthly payment, I should have that amount remove monthly. I should not have to watch this, I do not have time, I am a XXXX XXXX XXXX XXXX XXXX. Students who were allowed to take out a loan at the age of XXXX is just beyond me, we had no guidance from anyone, we were misled and misinformed. But we continue to let companies like Navient, XXXX ruin people 's lives daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.
State: CA

Complaint narrative:
On XXXX, I transacted {$300.00} every month or sometimes thrice/ twice every month in Remitly Money Remmitance to my local bank in the XXXX on line transactions, after several months I received an email from the local bank, that they didnt receive any payment from me, so, I sent all the screenshots receipt from Remitly, However, upon verification by local banks including the confirmation number coming from Remitly the transaction was not materialized, In so, I contacted the Remitly and demanded the refund, on this they refunded to me eight ( 8 ) transactions only. I demandedall my twelve ( 12 ) transactions but they failed to do so, I has been 5 months now that they didnt refund my remaining four ( 4 ) months transaction equivalent to XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) the keep on telling me that they send it already. But to no avail. Despite I sent all the bank statements on their request. But still they failed to refund. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I PULLED MY TRANSUNION CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2025-03-02 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: VA

Complaint narrative:
I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
I dont remember the years I think XXXX XXXX. I paid my bankruptcies on time all those years and they were reviving them through the court. XXXX my son got killed in a vehicle accident not this vehicle. But anyway we called for them to come get it we had hardship they didnt wan na hear it and still dont. All I want is for this to be removed from my credit and the case be closed. They would not do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
All accounts were removed and they reinstated without notification or certification, which is grounds for removal and is a violation for each one each violation is {$1000.00} and also per lol Ive asked many times to change my address to XXXXXXXX XXXX XXXX XXXX XXXX, MD XXXX because I no longer live at XXXX even though my ID still says it my mail says otherwise and theyre even sending my mail to XXXX but still wont change it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Paramount Recovery Systems, L.P.
State: FL

Complaint narrative:
Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, I mailed a letter to Paramount Recovery System requesting validation of an alleged debt in the amount of {$1400.00} on XX/XX/year>. As of today, I have not received any response from the company addressing my debt validation request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

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 non-monetary relief