vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-04-30 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: AL

Complaint narrative:
I am writing to urgently address fraudulent accounts that have been opened in my name due to the Equifax data breach. As a victim of this breach, I have identified several unauthorized accounts associated with my Social Security number, which I did not open or authorize. For your reference, I have attached a copy of my Identity Theft Report. 
The details of the fraudulent account are as follows : Account details : XXXX. XXXX XXXX XXXX # XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with 15 U.S.C. 1681c-2 ( a ), I demand that this account be blocked and removed from my credit report within four ( 4 ) business days of receiving this letter. If you fail to adequately resolve this issue within the required time frame, I will consider taking legal action and pursuing damages of {$1000.00} per violation under 15 U.S.C. 1692k. This action will include claims for the following violations : Defamation of Character Negligent Enhancement of Identity Fraud Violations under 15 U.S. Code 1681o, 1681n ( b ), 1681b, 1681c, 1681a ( 4 ) Failure to comply with 15 U.S. Code 1692 ( g ) Violation of 15 U.S. Code 1681ii ( 7 ) ( Method of Verification )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Portfolio Recovery acquired my debt from a credit card company. I received no letters or communication from them to know this was what was happening. My first knowledge of the situation came XX/XX/year> when I found out my wages had been garnished. Upon finding this out I began to research, and discovered that Portfolio decided to fish out an address that I lived at approximately 20 years ago to send the court summons and notifications. I have no contact or relatives at the address and its not even in my current county. Ive been at my current address for almost 8 years and it is the same address connected to the debt in which they acquired. By them using the wrong address, it robbed me of the ability to even be present in court to settle the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: I.C. System, Inc.
State: GA

Complaint narrative:
This is a debt buyer did not provide that debt is owed to them bu 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 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Byrider Franchising, LLC
State: OH

Complaint narrative:
I had a car loan from CNAC through JD Byryder. The account was filed in bankruptcy and discharged. The company was notified but continues to show the account as delinquent and reports late payments. I emailed the Finance Manager and spoke to her on the phone on XX/XX/XXXX and have been having a email chain with her. When I spoke to her she said she wasnt aware that the account was filed in bankruptcy but that is not true. She was aware and continued to report it to lower my chances of obtaining credit from other companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: CA

Complaint narrative:
REQUEST FOR DEBT VERIFICATION From XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX To Jefferson Capital Systems XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Date XX/XX/year> To Whom This May Concern, I, XXXX XXXX, have received information regarding a debt that is being claimed against me. Through my rights, in accordance with 15 U.S. Code 1692g, I hold the right to verify the total debt amount, including any fees, and who the original party that is making the claim. After receiving such information I will review and respond within the 30-day period allotted to me under federal law.

If it is found that there is no evidence of this debt under my name then I demand that all credit bureaus and financial institutions be made aware or a complaint will be filed to the respective local or federal agency. 

Furthermore, I request that you cease and desist any future telephone communication, whether through my residential or employment numbers. I am aware of the request for payment by your company and any further telephone communication shall be considered harassment in violation of 15 U.S. Code 1692d and shall be subject to State and Federal penalties.

I appreciate your efforts in this matter and look forward to your response. 

Regards, [ XXXX XXXX ] Signature : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: U.S. BANCORP
State: GA

Complaint narrative:
Dear Federal Trade Commission, I am writing to formally report a case of suspected identity theft involving unauthorized hard inquiries on my credit report. 
On reviewing my credit report, I discovered multiple hard inquiries from companies with which I have never applied for credit or conducted any business. The following inquiries were made without my consent or knowledge 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 XX/XX/year> I have not initiated any applications for auto loans or financing with these companies, nor have I authorized any third party to do so on my behalf. I believe this activity may be linked to identity theft or unauthorized use of my personal information, possibly through a dealership or fraudulent source.

I respectfully request that the Federal Trade Commission investigate this matter further and provide guidance on the next steps for protecting my identity and restoring the integrity of my credit report.

Enclosed with this letter are copies of my government-issued ID, credit report showing the inquiries in question, and any relevant documentation for your review.

Thank you for your attention to this serious matter. I look forward to your response and any assistance you can provide.

Sincerely

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 2025-04-30 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: CUILA LLC
State: GA

Complaint narrative:
Dear Federal Trade Commission, I am writing to formally report a case of suspected identity theft involving unauthorized hard inquiries on my credit report. 
On reviewing my credit report, I discovered multiple hard inquiries from companies with which I have never applied for credit or conducted any business. The following inquiries were made without my consent or knowledge : 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 XX/XX/year> I have not initiated any applications for auto loans or financing with these companies, nor have I authorized any third party to do so on my behalf. I believe this activity may be linked to identity theft or unauthorized use of my personal information, possibly through a dealership or fraudulent source. 
I respectfully request that the Federal Trade Commission investigate this matter further and provide guidance on the next steps for protecting my identity and restoring the integrity of my credit report. 
Enclosed with this letter are copies of my government-issued ID, credit report showing the inquiries in question, and any relevant documentation for your review. 
Thank you for your attention to this serious matter. I look forward to your response and any assistance you can provide. 
Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Wolf River Development Company
State: CA

Complaint narrative:
On Saturday, XX/XX/XXXX I selected the pay off your loan option on the fine day app. I chose the pay off date of XX/XX/XXXX. On XXXX I noticed two payouts on my bank statement T one for the pay off amount of {$1000.00} and another for {$430.00}. When I called I was told by 4 different agents that they would not refund the {$430.00} because it was a previously set up payment. I said that by selecting to pay off my loan in full, that the normal payment should not have ever been charged. I went in circles for over half an hour trying to get this refund and the consistent response from XXXX was a repeated script that if I had called and scheduled the payoff for 3 days prior to the XXXX I wouldnt have had to pay it. This was nowhere on the app and makes zero sense. Please help me get my {$430.00} refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: GA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: Novo Platform Inc.
State: OH

Complaint narrative:
XXXX XXXXi was charged XXXX for transaction and clerk said payment was cancelled. I paid for items I received with second transaction for XXXX. Filed dispute and bank circling back to merchant. I already spoke with merchant day of and that clerk said purchase was cancelled.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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 am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-04-30 00:00:00
Product: Mortgage — USDA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I have been in touch with the wfhome preservation department could not get the department to send in mail the forms that I needed have been dealing with this since XX/XX/year>, I have no way of printing forms and needed them mailed to me ; so because I didn't send the forms that I never got, Wells took me off the assistance program. Well the house went back up for Auction again, I was never informed in XXXX and never was informed in XXXX. I have been trying for months to get them to work with me... so Monday the XXXX I called and finally got someone to answer the lady I spoke with gave me the wrong fax number and didn't no till next day, but she stated the the XXXX was the last day to file so I emailed the forms and faxed the form after spending time and money driving 45 minutes to get this to them, to find out I got the wrong fax number and to be told yeah we received it and underwriter denied because it was late ... I have the proof that it was email and faxed and even after the same person told me it would take 3 to 4 days to process but yet within seconds it was denied ... then he proceeded to tell me to pay the mortgage off or get it current ... ok what is the payoff and or balance his comment not my problem you need to figure it out ... this is the reentry team at wells fargo... I will never do business with Wells Fargo again ... the way they treat their customer as we are criminals is so unprofessional I want to know what my rights are... I have proof I emailed and got a confirmation from Wells Fargo they received it ... I need assistance in my mortgage... I got deathly ill lost my job over it trying to find another job but now limited to how far I can travel... they have no compassion for any other their customers. I have people showing up at my door wanting to buy my home, calling me at 10 o'clock at night text messaging at all hours of the day ... I am done being harassed ... matter if fact that is how I found out the house was up for auction was through someone text messaging asking if I need assistance I flat out told them my house wasn't up for sale ... that is when I reached out again to only find out that only I have been taken off the assistance program ... I have emails proving I have tried to communicate with them and no response.

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 2025-04-30 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
" I was XXXX XXXX XXXX XXXX XXXX XXXX I had a home equity loan that was XXXX dollars. The loan got behind for 4 months. In XX/XX/XXXX, I applied for a hardship loan. I have been provided documents to BOA for over 4 months, and they are still saying they don't have my documents. I have sent them every thing they asked for. I personally feel that because the amount is so low ( XXXX dollars ), they are deliberately stalling so that the amount can build up, and they can take my property. That is their ultimate goal. For example, they claim they don't have my household expenses. i gave them my household expenses when I called and applied for the hardship. I am writing you to assist me in this matter. " This is my original complaint. Someone named XXXX XXXX called me on XX/XX/XXXX and left a voicemail, She left the wrong extension XXXX and i have not heard anything back from her. 
Someone has called me every other day requesting info, I tell them i need the documents. I have never received them. Today I call and someone tells me the case has been closed because I did not submit the documents. These people are trying to take my property. I need help.

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 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: MD

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit 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 non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
Someone within the company made fraudulent claims my savings account had money deposited into my account, I assumed it was my XXXX deposit because of the amount, they closed my account and also took my money that was deposited in the amount for me and my children

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation