vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have included documentation from the relevant authorities to back up my claims. I would appreciate it if you could quickly eliminate the fraudulent entries from my credit report and take the necessary actions to correct any inaccuracies or fraudulent activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
I have had numerous conversations with XXXX, The first time i would try to move my phone number to XXXX XXXX was the beginning of our problem this was in XX/XX/year> I was unable to succeed due my phone was too old, So I contacted XXXX and ask them to reopen my service and after XXXX days i was back in business with XXXX and then I received a bill for {$210.00} so i called XXXX to ask why my phone bill was so high and learned that my plan had Grandfathered out and the new plan was the best plan XXXX had to offer me at that time. So I decided on that day to go to Spectrum and buy a new phone and have my Phone number follow me and in doing so i cancelled my service with XXXX XXXX on the next i mailed XXXX XXXX {$120.00} because after all I had purchased a new phone with XXXX  and then the problem begin when I heard from XXXX again They sent me Two Letters one letter said they Owed me {$140.00} and the other letter said I Owed XXXX {$210.00}. When I call XXXX my code was not working and so they made me an appointment for XX/XX/year>XXXX XXXX XXXX XXXX  at the XXXX XXXX and I was there and spoke with XXXX of there employees and thought the problem was resolved but it was not. I have had several conversation with XXXX and I have even sent them a response via XXXX XXXX XXXX. I do not owe XXXX {$140.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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: KY

Complaint narrative:
I was directly impacted by the early experian and equifax breach. I was notified about it, I filled all paperwork out, then heard nothing back. After failed attempts to log into either company 's website, I called, they told me they could not find my file or paperwork that I had filed. I believe this was an issue dated about XXXX years ago when there was a huge breach. I was in fact due a payment from that. {$25000.00}. But mysteriously they lost my file. When I was finally able to log onto experian. They had listed down 4 different social security numbers, multiple names. I personally believe that any credit reporting company should redflag one person having more than one social security number. As a result, there's multiple inquiries, multiple names, and addresses that do not belong to me. My credit report is so screwed up that I really have no idea on how to start the process. I've tried multiple ways of disputing these errors, including freezing XXXXXXXX XXXX but it just keeps getting worse. Experian, and equifax are both at fault. Transunion is the only one that in general has most my info correct, they do correct, and they do work with me. But when I tried starting a buisness. Equifax and Experian really messed me up to the point I can not get credit of any kind. I have a good job that I've held down for over XXXX yrs. I make decent money. But my credit reports hinder my sucess

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: SC

Complaint narrative:
I am a victim of XXXX XXXX of Debt XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
False credit reporting Credit reporting and personal information being provided without authorization from 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 2025-02-12 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: OR

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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: FL

Complaint narrative:
Subject : Dispute of Inaccurate Charge-Off XXXX XXXX  ( Account # XXXX ) I am filing a complaint regarding an incorrect charge-off entry for my XXXX XXXX  account ( Account Number : XXXX ) showing a balance of {$8600.00}. This account is listed as a charge-off with the last payment made in XX/XX/year>2020. 

Key Points : Violation of FCRA : Under the Fair Credit Reporting Act ( FCRA ), XXXX  is required to report accurate information. If this charge-off is inaccurate or can not be verified, it must be removed from my credit report. The FCRA mandates that if information is disputed, the credit bureau must investigate and remove unverifiable information. ( See FCRA 15 U.S.C. 1681XXXX ( a ) and XXXX v. Experian ). 

COVID-19 and CARES Act Compliance : This account was charged off during the COVID-19 pandemic. Under the CARES Act ( Pub. L. 116-136, Section 4021 ), if I requested a hardship accommodation due to financial difficulty caused by government shutdowns, XXXX was required to report my account as current and not as a charge-off. I demand verification that XXXX complied with the CARES Act and reported my account as current during any accommodation period. 

Florida Consumer Protection Laws : Under Florida Statutes, specifically Fla. Stat. 559.55 ( FCCPA ) and Fla. Stat. 817.566 ( Fraudulent Credit Reporting ), XXXX must report accurate information. If the charge-off is inaccurate or unverifiable, it constitutes a violation of Florida law , and the entry must be removed. 

Resolution : I am requesting the immediate removal of this charge-off entry from my credit report. If Experian and XXXX can not provide proper documentation to substantiate this charge-off, it must be deleted immediately. If this issue is not resolved within 15 days, I will pursue further action, including filing complaints with the FTC, Florida Attorney General, and seeking legal remedies under FCRA.

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 2025-02-12 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: CA

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-02-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CNG FINANCIAL CORPORATION
State: VA

Complaint narrative:
In XXXX I was suppose to have taken out a loan from Allied Cash Advance. In XXXX they sent loan back in order to make me pay. I started receiving calls basically harassing me and now harassing my son who don't have anything to do with loan. It's one thing to harassing me but now they are starting to call my son. He has nothing to do with my loan so therefore they shouldn't call him. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
On XXXX I went into my Wells Fargo Bank and upgraded my account to a premier checking account. As long as I deposited XXXX into my account in the next 45 days and keep it in their bank for a certain period I was to receive a XXXX dollar bonus. I fulfilled all of their requirements and never received my bonus. I have contacted Wells Fargo multiple times on this and each time I receive a letter in the mail stating Insufficient Information was provided for research. Although they will not tell me what information they need. Each time I call they seem to have no record of me calling. It's been a complete run around.

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 2025-02-12 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: NC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

Company 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 2025-02-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I receive a call from XXXX XXXX XXXX indicating they did revive documents showing police report, identity theft. Etc That for me to send again to an email address. A repossession stays on your credit report for seven years from the first missed payment./ she indicates when the car went to auction that in ludes a payment from me.. So this is oblivious on the company part. This fraud/ I never posesin of the vehicle in 2017/ so its fraudulent on the company behalf to continue to put negative remarks thats not true. Send proof that I made a payment!!!! This negative mark can hurt your credit score and make it harder to get new loans. The seven-year countdown starts on the date of the first missed payment!!! Not an auction. I want to be compensated. This mentality draining. I have proof of that too. Im taking medication ) This company need to be reported to committed fraud and a scam.Texas attorney general office and XXXX They calling my number which I did not give them my number nor my address. The other worker who I reached out too seen the mistake. I never purchased this vehicle. I do not drive .Thats whats even more hurtful. XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: FL

Complaint narrative:
To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( s ) that are incorrect : 1. violation of 15 USC 1692g. Validate this account. You have 30 days to verify if you fail to this must be deleted. 
XXXX XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 

2. Violation 15 USC code 1681 ( a ) Congressional Findings and statement of purpose - consumer 's right of privacy XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate 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 explanation
Consumer complaint received 2025-02-12 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: GA

Complaint narrative:
XXXX XXXX XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Equifax and Experian 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 account opened at XXXX XXXX  XXXX XX/XX/XXXX ), XXXX collection accounts from ( XXXX XXXX XXXX opened XX/XX/XXXX and XX/XX/XXXX ). Hard inquiry from ( XXXX XXXX XXXX XXXX on XX/XX/XXXX ), ( XXXX XX/XX/XXXX ), Hard inquiry from ( XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX and XX/XX/XXXX ). ( XXXX XXXX XXXX account opened XX/XX/XXXX ). These Accounts have resulted in several hard inquiries appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of My consumer credit reports and that related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 


These accounts have resulted in several fraudulent hard inquiries and fraudulent accounts appearing on my consumer XXXX 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, or hard inquiries as reported. The aforementioned accounts, 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, 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 XXXX 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 2025-02-12 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: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I am writing to you in regard to several unauthorized hard inquiries that have appeared on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any information on my credit report that I believe is inaccurate or incomplete. 
I have recently reviewed my credit report and found that the following hard inquiries were made without my authorization or permissible purpose as required under the FCRA :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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: Open Dealer Exchange, LLC
State: NV

Complaint narrative:
I am writing to you in regard to several unauthorized hard inquiries that have appeared on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any information on my credit report that I believe is inaccurate or incomplete. 
I have recently reviewed my credit report and found that the following hard inquiries were made without my authorization or permissible purpose as required under the FCRA :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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:
There are XXXX accounts listed on my credit report that i never opened. On the date of XX/XX/XXXX a " XXXX '' credit card account was opened with a {$5500.00} balance. On the date of XX/XX/XXXX a " XXXX '' account was opened with a current balance of {$0.00}

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