vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-29 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: TX

Complaint narrative:
Equifax has my credit file blocked and I am unable to access my report or score. I moved and they state they can no longer verify my identity because I have a new address and so my file was blocked. I was told to mail a copy of my DL and SSN to XXXX XXXX XXXX XXXX, GA XXXX. I mailed the requested documents on XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX. I have reached out to Equifax weekly to confirm receipt of the documents and each time am told that they have not received them. Multiple representatives and XXXX supervisors have confirmed the address I am mailing the documents to as being correct. I have asked for an alternate address so that I can overnight the documents and be able to track them for receipt and am being told that is not an option. I have asked for a fax number or email address to submit documents and have been told that is not an option either. Meanwhile, my credit file continues to be blocked and I am not able to access it. This is affecting me being able to move as apartment managers are not able to access my credit file in order to complete housing application approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: NV

Complaint narrative:
I've made several attempts to address the fraudulent inquiries and accounts on my credit report, but they remain unresolved. These entries are not mine, and I am not responsible for them. They have caused significant stress and financial hardship. As a victim of identity theft, I may be forced to pursue legal action if this issue is not resolved promptly. These inaccuracies have hindered my ability to purchase a home and provide for my family, severely impacting my financial stability.

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 2025-01-29 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: NV

Complaint narrative:
I've made several attempts to address the fraudulent inquiries and accounts on my credit report, but they remain unresolved. These entries are not mine, and I am not responsible for them. They have caused significant stress and financial hardship. As a victim of identity theft, I may be forced to pursue legal action if this issue is not resolved promptly. These inaccuracies have hindered my ability to purchase a home and provide for my family, severely impacting my financial stability.

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 2025-01-29 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I have asked Comenity Bank and XXXX several times to fix the issue on my report showing that I have two XXXX accounts. They are showing one ending in XXXX and another ending in XXXX. The one ending in XXXX should not be open and is a fraudulent account. I only have one XXXX card and that is the XXXX ending in XXXX. The one ending in XXXX is a closed account that is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in XXXX XXXX XXXX ( XXXX ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: CORELOGIC INC
State: GA

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  states : 'There is a need to guarantee that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ' XXXX and XXXX are consumer reporting agencies, and as a consumer, I have the right to ensure that my private information is not shared. This right is further supported by XXXX XXXX. XXXX, which establishes that financial institutions have a continuing obligation to respect the privacy of their customers and to protect the security and confidentiality of nonpublic personal information. As a furnisher of information to credit agencies, these institutions are considered financial institutions under the law. 

According to XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a consumer reporting agency may furnish a consumer report only with the written instructions of the consumer to whom it relates. Neither XXXX, XXXX nor any furnisher of information to these agencies has my written consent to share my information. I hereby revoke any prior consent, whether verbal, non-verbal, written, implied, or otherwise. 

Additionally, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX states that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is informed of their right to opt out of such disclosure. I was never informed of this right to opt out. Moreover, under XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  ), no consumer reporting agency may include adverse information in a consumer report that is more than seven years old, except for criminal convictions. The account being reported is an adverse item, and its reporting without my consent violates this provision. 

Furthermore, under XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, no person may furnish information to a consumer reporting agency if they know or have reasonable cause to believe the information is inaccurate. Additionally, XXXX XXXX. XXXX requires that consumer reporting agencies maintain reasonable procedures to ensure compliance with Section XXXX and limit the furnishing of consumer reports to permissible purposes under Section XXXX. XXXX and XXXX are failing to maintain such reasonable procedures. 

Finally, under XXXX XXXX XXXX, consumers have the right to opt out at any time. I am formally exercising my right to opt out of your reporting.

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 2025-01-29 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: Nelnet, Inc.
State: GA

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA )XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) states : 'There is a need to guarantee that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ' XXXX and XXXX are consumer reporting agencies, and as a consumer, I have the right to ensure that my private information is not shared. This right is further supported by XXXX XXXX. XXXX, which establishes that financial institutions have a continuing obligation to respect the privacy of their customers and to protect the security and confidentiality of nonpublic personal information. As a furnisher of information to credit agencies, these institutions are considered financial institutions under the law. 

According to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a consumer reporting agency may furnish a consumer report only with the written instructions of the consumer to whom it relates. Neither XXXX, XXXX nor any furnisher of information to these agencies has my written consent to share my information. I hereby revoke any prior consent, whether verbal, non-verbal, written, implied, or otherwise. 

Additionally, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  states that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is informed of their right to opt out of such disclosure. I was never informed of this right to opt out. Moreover, under XXXX XXXX. XXXX ( XXXX XXXX XXXX XXXX XXXX  no consumer reporting agency may include adverse information in a consumer report that is more than seven years old, except for criminal convictions. The account being reported is an adverse item, and its reporting without my consent violates this provision. 

Furthermore, under XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, no person may furnish information to a consumer reporting agency if they know or have reasonable cause to believe the information is inaccurate. Additionally, XXXX XXXX. XXXX requires that consumer reporting agencies maintain reasonable procedures to ensure compliance with Section XXXX and limit the furnishing of consumer reports to permissible purposes under Section XXXX. XXXX and XXXX are failing to maintain such reasonable procedures. 

Finally, under XXXX XXXX XXXX, consumers have the right to opt out at any time. I am formally exercising my right to opt out of your reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: PA

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal 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 2025-01-29 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 have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-01-29 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Hi, XXXX XXXX sent a {$680.00} ambulence fee from a year ago to a collections agency. I did not hear about it until the agency called me. When they did, I asked the VA to pay the XXXX company. the VA HAS PAID the XXXX company in FULL. Despite this, the collection is still showing up on my credit report. it is erroneous. I wa sincapacitated and did not receive a single piece of mail, a phone call, email, or anything related to this XXXX XXXX debt until it was already in collections. The moment I did receive notification, I told the VA, and the VA paid them right away! The VA gave me the check number XXXX which XXXX has also verified. XXXX said they would speak to the collection agency to correct the reporting. But the collection agency is still reporting it. I need this removed. it wasa medical bill that I never heard of and the moment I heard of it IT WAS PAID. This collection is ruining my credit score. XXXX XXXX received their money from my insurance provider, Veterans Affairs, why am I being punished for this?? 

the check number for the payment is XXXX from Veterans Affairs to XXXX XXXX through electronic funds transfer, which XXXX has confirmed it received. PLEASE REMOVE THIS!

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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Transunion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.

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 2025-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I initially received a letter from Comenity bank dated XXXX XX/XX/XXXX. Several letters have gone back and forth- they never refer to or acknowledge any of mine. Below Is the correspondence I have sent. I have also filed a Police Report with the XXXX Illinois Police Department. XXXX Police Department XXXX number : XXXX I have attached a file of all my letters. They pretty much describe it all. They say I have an account open with unpaid charges and I say I don't. They sent me a card in XXXX but it was never activated and definitely never used by me. One thing that is striking is that in a letter of XXXX XX/XX/XXXX they say " We have concluded that you are not responsible for the disputed fraud transactions ( s ) on this account '' and then the arrears letters start all over again. I thanked them for concluding I wasn't responsible but that I had not submitted any fraud claims to start with and never had activated that card. Their initial letter to me of XXXX XXXX started it. In that letter, their letter head had XXXX addresses - XXXX XXXX XXXX XXXX ( no state or zip ) and my address XXXX XXXX in XXXX, Il. I asked them then what that address was and why they would address the letter to XXXX addresses. As typical no response to my question.s

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I have been dealing with Wells Fargo for almost a year.After I received XXXX vague mailings from them which I almost threw away thinking it was junk mail. I did mediation for their add ons which I did not have knowledge of them being added on the my mortgage payment for XXXX  months time. I never signed up for any add on products so someone committed identity theft and fraud on me. I want Wells Fargo to admit to this fraud for what it is fraud. I was paid what they felt was good enough to appease me. I want a payment for each month of the fraud they committed on me of XXXX per month. If not I can and will file a lawsuit which will cost them more in lawyer fees than that. I am tired of big corporations getting away with crimes that a regular person would be in prison for. Wells Fargo has not been punished as they should. I have been getting a run around for months from them. Mailings that do not admit to their wrong doing.

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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX, trustee XXXX XXXX XXXX LIVING XXXX XX/XX/year> XXXX XXXX XXXX Subject : Dispute of Fraudulent Debt and Demand for Validation Pursuant to 15 U.S.C. 1692g and 15 U.S.C. 1691 To Whom It May Concern, This letter serves as formal notice that I dispute the alleged debt referenced in your collection attempts, as it has not been properly validated in accordance with federal law. Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, I exercised my right to request validation of this debt. However, to date, your agency has failed to provide sufficient evidence proving that this debt is legitimate, that I am the rightful debtor, or that your agency has the legal authority to collect it.

Furthermore, per 15 U.S.C. 1691, under the Equal Credit Opportunity Act ( ECOA ), any adverse action taken against a consumer, including credit-based collection actions, requires proper notice and justification. Your failure to validate this debt before continuing collection efforts constitutes a violation of my consumer rights. 

Pursuant to my rights under the FDCPA, I demand the following : 1. Cease and desist all collection activities related to this disputed debt until you provide full and proper validation, including but not limited to, a signed agreement or contract explicitly linking me to the alleged debt.

2. Provide documentation proving your legal authority to collect the alleged debt, including a full chain of assignment from the original creditor.

3. Immediately remove any negative reporting related to this alleged debt from my credit profile with all credit reporting agencies, as unverified debts must not be reported per federal law.

Failure to comply with these requests constitutes willful noncompliance with federal statutes and may result in legal action against your agency. If I do not receive an adequate response within 30 days from the date of this letter, I will explore all legal remedies available to me, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. 

Please be advised that any further communication regarding this matter must be in writing only. I expect prompt resolution and full compliance with federal law. 

Sincerely, XXXX XXXX, trustee of XXXX XXXX XXXX LIVING 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