vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-11 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: CA

Complaint narrative:
I did not open these XXXX account. Someone stole my information. Please delete immediately. I do not recognize this account. This is identity theft. This is my 10th or 15th time sending this document all of my documents are logged and recorded. 


Upon receiving a dispute from a CRA, the furnisher must conduct a reasonable investigation into the disputed information ; " review all relevant information provided by the [ CRA ] '' in connection with the dispute ; and " report the results of the investigation to the [ CRA ].... '' [ 6 ] The furnisher must either verify the information as accurate, or if the investigation reveals that the disputed information is " inaccurate or incomplete or can not be verified, '' the furnisher must promptly modify, delete, or " permanently block the reporting of '' the information to the CRA. [ 7 ] An investigation of the disputed information " requires some degree of careful inquiry by furnishers of information. '' [ 8 ] Importantly, however, what constitutes a reasonable investigation of an identity theft dispute " will vary depending on the circumstances of the case '' and " in part on the status of the furnisheras an original creditor, a collection agency collecting on behalf of the original creditor, a debt buyer, or a down-the-line buyer-and on the quality of documentation available to the furnisher. '' [ 9 ] The closer the furnisher is to the original transaction, the more information the furnisher is expected to possess or be able to access to investigate the dispute. Merely reviewing an internal data file is not sufficient. [ 10 ] If the account level documents are no longer available due to a document retention policy, the Fourth Circuit has held that the furnisher, as the originator of the account, should have " at least informed the credit reporting agencies that [ it ] could not conclusively verify '' the disputed 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 explanation
Consumer complaint received 2025-05-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I recieved my credit report and noticed a few inquiries that were unauthorized and that's resulting identity theft. This has impacted my credit score negatively. The following inquiries are : XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX PLEASE SEE ATTACHMENTS

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 2025-05-11 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: TX

Complaint narrative:
I NOTICED MY INFORMATION HAD A TON OF ERRORS. NAME, ADDRESS, PHONE ALL HAD MULTIPLE ENTRIES, ALL INCORRECT. I CALLED AND WAS TOLD TO SEND A LETTER. I SENT A LETTER ON XX/XX/XXXX AND AGAIN ON XX/XX/XXXX, TO NO AVAIL. I AM NEEDING TO ACCESS A LOAN FOR HEALTH RELATED SERVICES AND MY CREDIT INACCURACIES HAVE CAUSED ME TO BE DENIED ACROSS THE BOARD.

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 2025-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CLGF Holdco 1, LLC
State: MA

Complaint narrative:
To whom it may concern XXXX XXXX, XXXX asked for proof of a debt collection To prove that the debt belongs to me and the correct amount of the debt. Fair act XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Credit Karma, LLC
State: KY

Complaint narrative:
On XX/XX/year> my credit karma checking account got hacked into. I disputed the transaction that was a instant transfer of XXXX USD. And they closed the dispute within XXXX min of me opening it. And did not refund my money. It was very difficult to try to speak with them being that every person I spoke to was from another country 's and seemed like they barley spoke English. I feel like it should have to them longer then XXXX min to investigate what happened and try to fix the issue instead I felt like they just didn't really care that I just lost all my money. My dispute was submitted within XXXX min of the money being taken out of my account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Skrill USA, Inc.
State: AL

Complaint narrative:
I have emailed and tried calling this company for over a week. I have not received a response. It said my account was fully verified so I transferred money into the account. When I tried to use the money they restricted my account and are asking for bank statements and a photo of my id with a Pic of me. While I understand they need to verify my identity this should have been stated BEFORE I deposited money as I'm not really comfortable submitting all this information. I also tried submitting it and they keep rejecting what I send over. I want to get this resolved but I can't get support on the phone

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UPGRADE, INC.
State: TX

Complaint narrative:
I am filing this complaint against Upgrade , Inc. regarding improper credit reporting of an account they no longer own.

Upgrade , Inc. originated a loan account that they subsequently sold to XXXX XXXX XXXX. After this sale, XXXX XXXX assigned XXXX XXXX XXXX to handle collection, who ultimately closed the case on behalf of XXXX XXXX. 

Despite Upgrade no longer owning this debt and the case being closed by the current owner 's authorized agent, Upgrade , Inc. continues to report this account as a negative item on my credit reports with all three major credit bureaus. This violates the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to credit reporting agencies to report accurate information.

Specifically, Upgrade , Inc. is violating the FCRA by : 1. Continuing to report a debt they no longer own 2. Failing to update credit bureaus that the debt was sold to XXXX XXXX 3. Reporting inaccurate information about a debt that was closed by the current owner This inaccurate reporting is damaging my credit score and creating confusion about the status of this account, as evidenced by a new collection attempt from XXXX XXXX XXXX ( dated XX/XX/year> ) on behalf of XXXX XXXX, despite the case having been previously closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
XXXX XXXX is continuously miscalculating the escrow costs despite complaints by myself and many other members of our community. They are aware of the known issue with the miscalculation of our property and mud taxes and continue to charge homeowners exorbitant monthly rates based on their miscalculations- they are quite literally estimating taxes in excess of $ XXXX ; our property and XXXX  taxes are less than $ XXXX. They are quite literally trying to push people out of their homes with their fraudulent, and known, miscalculations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX  XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX  XXXX XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: OH

Complaint narrative:
I have been a victim of identity theft. My information was leaked in the Equifax data breach in XXXX and the data breach in XXXX. I have two car loan accounts that appear on my credit that I did not authorize, sign, or approve of. I have disputed these accounts and need them removed from my credit reporting immediately!!!!

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 2025-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Subject : Demand for Reimbursement of Erroneous Interest and Late Fee - Account [ Account XXXX ] - Executive Complaint Number XXXX Dear Wells Fargo Customer Service, This letter serves as a formal demand for the reimbursement of {$39.00}, representing an erroneous interest charge and late fee applied to my account for the XX/XX/XXXX payment. 

On XX/XX/XXXX, I contacted Wells Fargo customer service regarding this charge. During this call, I was explicitly informed that the interest and late fee would be waived. I was subsequently provided with Executive Complaint Number XXXX as confirmation of this resolution. 

However, upon further review of my account, I have not received the promised waiver. When I contacted Wells Fargo again to inquire about this discrepancy, I was informed that the waiver could not be processed due to a purported history of multiple previous fee waivers on my account. 

This information is demonstrably false. To my knowledge, a fee waiver has been granted on my account on only XXXX prior occasion, not the multiple times your representative claimed. The assertion that I have a history of frequent fee waivers is inaccurate and appears to be the sole basis for your refusal to honor the commitment made by your customer service representative and confirmed with an executive complaint number. 

The false information provided by your customer service representative led me to believe that this matter was resolved. The subsequent denial of the promised waiver, based on inaccurate information, has caused me financial harm in the amount of {$39.00}. 

I demand that Wells Fargo immediately : Honor the commitment made by your customer service representative under Executive Complaint Number XXXX and waive the {$39.00} in interest and late fees. 
Credit my account, [ Your Account Number ], in the amount of {$39.00}. 
Provide a written confirmation that this error has been corrected and the funds have been credited to my account within XXXX business days of the date of this letter. 
Please be aware that I have retained records of my communication with your customer service department, including the executive complaint number. Failure to rectify this situation promptly will leave me with no alternative but to consider further action to recover the unjustly charged fees and address the dissemination of false information regarding my account history. 

I trust that you will address this matter with the urgency and accuracy it deserves. Please direct all correspondence regarding this issue to my contact information provided above. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-11 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am formally requesting the following accounts as listed in my credit report, pursuant so Section 609 of the Fair Credit Reporting Act ( 15 U.S. Code 1681g ). These fraudulent inquiries are affecting my ability to obtain credit. I need them cease and desist/removed immediately. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Student Loan 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 XXXXXXXX DEPT OF ED XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX DEPT OF XXXX XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: GA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. 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 2025-05-11 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: GA

Complaint narrative:
Equifax has breached my information and I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts / information reporting to my credit report. The remarks have been detrimental to my life and credit health.

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 2025-05-11 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Equifax has breached my information and I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts / information reporting to my credit report. The remarks have been detrimental to my life and credit health.

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 2025-05-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX, XXXX, XXXX  XXXX RE : Notice of Willful Noncompliance with FCRA under 15 U.S. Code 1681n Dear Experian This letter serves as formal notice of your willful noncompliance with the Fair Credit Reporting Act ( FCRA ), specifically pursuant to 15 U.S. Code 1681n. You have reported inaccurate information concerning my credit profile, and despite prior notice and ample opportunity to correct or verify this information, you have failed to act in compliance with federal law. 

Under 15 U.S. Code 1681n, any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer for : Actual damages sustained, or statutory damages of not less than {$100.00} and not more than {$1000.00}, Punitive damages as the court may allow, and The costs of the action together with reasonable attorneys fees. 

I demand that you : XXXX. Immediately delete or correct the inaccurate information reported to the credit bureaus. 
XXXX. Provide me with written confirmation of this action within 15 days of receipt of this letter. 

Failure to respond appropriately will leave me with no choice but to pursue all available legal remedies, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and initiating a civil lawsuit. 

This is an attempt to resolve this matter amicably without litigation. Please govern yourself accordingly. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: NC

Complaint narrative:
b'I am an identity theft victim. Despite providing conclusive evidence, Equifax refuses to block fraudulent accounts, violating the FCRA:  \n\n1. Evidence Submitted:  \n   - Notarized FTC Identity Theft Report  \n   - Creditor confirmations: 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. Legal Violations:  \n   - FCRA  605B: Failed to block accounts within 4 days of FTC report  \n   - FCRA  611: Refused to investigate creditor evidence  \n\n4. Harm Caused:  \n   - Credit score damage (loan denials)  \n   - 20+ hours wasted disputing  \n\n5. Demand:  \n   - Delete all fraudulent accounts  \n   - Provide written confirmation'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: SC

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: OH

Complaint narrative:
I have been a victim of identity theft. I have noticed some unauthorized accounts on my credit reports that I have not benefit from. XXXX and XXXX XXXX XXXX have sent my information to credit bureaus without my consent or warning me. I need these fraudulent accounts removed from my credit reports immediately AND PERMANENTLY!!!

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