vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation

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 2025-03-11 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:
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 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 2025-03-11 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: FL

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 explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Freedom Mortgage Company
State: NH

Complaint narrative:
This loan was originally with XXXX XXXX and was sold to Freedom Mortgage as of XX/XX/XXXX. XXXXXXXX XXXX  had put the loan in forbearance due to lack of income. My now fiance started having XXXX in XX/XX/XXXX. We both resigned from our teaching positions to figure out her health which is why we needed to put this into forbearance. I was also working on getting my ex husbands name off the loan. I had called numerous times over the summer and fall to get advice on how to move forward with my mortgage and ask for forbearance. I felt defeated each time not knowing how to move forward. It was a lot to navigate as I had been given different information each time I called. In XXXX, they offered a modification where the payments would resume in XXXX. The modification brought the payment to {$2400.00} for principal and interest and {$900.00} estimated escrow which was affordable because my fiance began working again as a manager in retail. I wrote a letter asking for help and why on XX/XX/XXXX. On XX/XX/XXXX I spoke with XXXX who told me that I needed to get a Quit Claim Deed recorded at court and to call the court house. I called XXXX, NH court and they gave me a website to " file '' online. I had no idea what I was doing but I filed online through the court system and it was denied. I also applied for legal aid through the state of New Hampshire and was waiting to hear back from them. A month later I received the letter from the Legal Aid stating they could not help me with my case. On XX/XX/XXXX I called the court in XXXX, NH again and they told me to file a Quit Claim Deed with the Registry of Deeds. I called them and they told me to get in touch with a Title company. I spoke with Freedom Mortgage on this day too and spoke with XXXX. She told me I needed to restart the Loss Mitigation Process again because they can not go back to the original offer. At this time, I did not know this offer expired and I explained that I was given the wrong information about how to remove my ex husbands name, and in XXXX my XXXX passed away. I had to restart the Loss Mitigation process again at this time. I followed up again on XX/XX/XXXX and XXXX said the loan was still with Loss Mitigation. I was working with the title company at this time to get the Quit Claim Deed. On XX/XX/XXXX, the new Loss Mitigation offer was available. The payment was too high and similar to the original payment of the loan so I asked for it to be reviewed again. Today, the company called and gave a similar offer to the last offer. Long story short, I have not felt supported through this very difficult situation. It is confusing. I have been given inaccurate information each time I called. Please help me.

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 2025-03-11 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: GA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Colony Brands, Inc.
State: NC

Complaint narrative:
Feedback for XX/XX/XXXX Seventh Avenue 's records indicate XXXX XXXX paid his account in full in XXXX of XXXX. He then placed XXXX orders on his account, XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX. His account was credited for the return of XXXX of the orders on XX/XX/XXXX. XXXX XXXX proceeded to make multiple payments on the account, with the last one posted to the account on XX/XX/XXXX. The account was charged off as a loss in XXXX of XXXX. It is Seventh Avenue 's position that the information it has furnished accurately reflects the payment history and current status of the account. 
Feedback for XX/XX/XXXX XXXX XXXX made XXXX purchases in XXXX of XXXX and XXXX of XXXX. XXXX of the purchases was credited in full on XX/XX/XXXX. XXXX XXXX proceeded to make multiple payments on the account after those purchases, indicating his agreement that the charges and the balance on the account were correct. Attached are copies of the last XXXX payments made on the account before it was charged off as a loss in XXXX of XXXX. It is Seventh Avenue 's position that the information it has furnished to the consumer reporting agencies accurately reflects the payment history and current status of the account. 

I am a biologicXXXX XXXX XXXX XXXX XXXX XXXX  XXXX I am not sure why CFPB you keep accepting this lie just look at the dates. I had a balance of {$180.00} back in XXXX and Seventh Avenue would not allow me to get credit because of the balance and/or purchase anything. I had to pay the balance of {$180.00} before I purchased anything. I did not pay the balance, so time had run out on them, and they decided to make up a new account. If you read closely the story has changed. Still no proof that I had purchased anything. No, I still disagree and want something done about this company not telling the truth. Please let them show me a canceled check, money order or a statement. I have already sent a complaint to the Attorney Generals office here in North Carolina and I sent back a request to Fraud.gov asking for proof that still have not answered.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax is continuing to post erroneous information on my credit report with 11 closed education loans that do not belong to me. I have contacted them and the supposed servicer of these loans and have not been provided with any information. These accounts are not mine and need to be deleted immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-03-11 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: OH

Complaint narrative:
I am a victim of identity theft caused by the XXXX Data Breach. My personal information was found on the dark web, and I now have fraudulent accounts, names, addresses, and inquiries on my credit report that do not belong to me. 

Despite providing proof of identity theft through my FTC Identity Theft Report, Experian has failed to remove fraudulent information and has not provided the legally required Method of Verification ( MOV ) for these accounts. 

This letter serves as a final legal notice to Experian regarding its ongoing violations of the Fair Credit Reporting Act ( FCRA ) and demand for immediate correction of my credit report. 

VIOLATION # 1 FAILURE TO BLOCK FRAUDULENT INFORMATION ( 15 U.S. Code 1681c-2 ) Under 15 U.S.C. 1681c-2, Experian must block fraudulent information within four ( 4 ) business days after receiving a valid identity theft report. 
Experian has failed to comply with this law by continuing to report fraudulent accounts and inquiries despite my FTC Identity Theft Report.

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 2025-03-11 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, 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 with Social Security XXXX XXXX, a resident of 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 : Applicant Identification : Full Name : XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX TX 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. 
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. 
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. 
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 non-monetary relief
Consumer complaint received 2025-03-11 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, 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 with Social Security XXXX XXXX, a resident of 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 : Applicant Identification : Full Name : XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX TX 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. 
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. 
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. 
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 2025-03-11 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: OH

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 2025-03-11 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: OH

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX  ) 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 2025-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: TX

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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:
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 non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XX/XX/year> my account at Wells Fargo has been compromised. I have one account with them, in addition to one CD. Multiple accounts have been opened without my consent, money has been moved from my account to those newly created accounts, and then withdrawn from ATMs. At the same time, there were 2 suspicious transactions at my XXXX XXXX XXXX account, but the amounts were large enough for the Bank to catch that it was fraud. I want to add that while all this was unfolding, my phone was inaccessible ( it appeared as only sos calls could be made )!

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 2025-03-11 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:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: DISCOVER BANK
State: MI

Complaint narrative:
I opened my Discover XXXX credit card account in XXXX of XXXX. The card is supposed to pas 1 % back in rewards for purchases. At the one year anniversary date of having the card, Discover will match all the rewards earned during the one year time frame. About one month before my one year anniversary, Discover decided to close my account for no apparent reason. When I called their help line, nobody could tell me why my account was closed or whether I would receive the rewards match at the end of my one year anniversary. I had accumulated {$1700.00} in rewards up to that point and was due to receive a 100 % match of that amount. I never received the match or the {$160.00} in rewards I earned on the last statement. I finally received a letter from Discover on XX/XX/XXXX saying my account was closed because it 'exhibited an unusual pattern of risk seen with other credit applications and accounts '. I want to know which transaction ( s ) were risky? All of the transactions were made to fund gambling accounts, which is legal where I live. I've made the same type of transactions for 11 months without any issues, then my account gets closed right before I'm owed {$1700.00}. I never had any late payments, no disputes, no declined transactions, and had an excellent credit score the entire time. I believe Discover closed my account just o save themselves from having to pay me {$1700.00}. I know other people with large reward amounts who have had the exact same thing happen to their accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
XX/XX/year> Claims and Customer Service First Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PR XXXX XXXX XXXX Dear Sirs, I, XXXX XXXX XXXX XXXX, holder of checking account number XXXX at First Bank, am writing to you to notify you of a claim I made by phone yesterday, Monday, XX/XX/year>, to your customer service department, upon becoming aware of several unauthorized charges on my account. The claim was attended to by XXXX XXXX XXXX, who told me that a claim would be opened with case number # XXXX for unknown debits made to my account between XX/XX/XXXX aXXXX XXXX XXXX ( 21 transactions ) and between XX/XX/XXXX and XXXXXXXX XXXX  ( 13 transactions ), corresponding to charges from XXXX, which, I repeat, were not authorized by me. The total amount of unauthorized debits amounts to {$1000.00}. 

Below, I detail the breakdown of the unauthorized charges that have been incurred : Details of debits made in XX/XX/scrub>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 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 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 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 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  {$760.00} Total unauthorized amount : {$1000.00} I would appreciate it if the corresponding steps were taken for the prompt return of this amount to my account, given that none of the transactions mentioned were made or authorized by me. For any questions or additional information, you can contact me at the phone number ( XXXX ) XXXX or at the email XXXX. 
Without further ado, I await your prompt response and resolution. 

Sincerely, XXXX XXXX XXXX XXXX Account holder

Company response to consumer: Closed with explanation