vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-24 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: MN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and Equifax 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 : LIST OF ITEMS TO BE REMOVED XXXX XXXX XXXXXXXX BALANCED {$950.00} XXXX XXXX XXXX BALANCED {$280.00} XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX These Items 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: IA

Complaint narrative:
I am disputing multiple charge-off and collection accounts being inaccurately reported on my Experian credit report. These include : XXXX XXXX ( XXXX * * * * ) and XXXX XXXX XXXX XXXX  ( XXXX * * ) which are both reported with {$0.00} balances, and XXXX XXXX XXXX ( XXXX * * * * ) which is listed as a collection for {$390.00}. These accounts do not belong to me and are likely the result of a data breach. There has been no documentation provided to validate their legitimacy, and Experian has continued to report them despite previous disputes. This ongoing reporting of inaccurate information violates my rights under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681i and 1681e ( b ). These entries must be removed immediately as they are harming my credit profile without justification or proof of 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 explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I am submitting this complaint regarding XXXX ( owned by PayPal , Inc. ) for their failure to protect me against a large-scale scam and their unjust handling of chargebacks totaling over {$60000.00}. Despite acting in good faith and providing goods, XXXX  reversed payments after the sender disputed them leaving me and my friends with negative balances and the threat of debt collection and credit damage. 

In XX/XX/year>, I was contacted by an individual ( now identified as a scammer ) via XXXX XXXX who agreed to purchase a large quantity of sourced items from me, totaling over {$60000.00}. Payments were sent to me and my friends through XXXX, and I fulfilled the sourcing request and delivered the items as agreed. 

However, the scammer deliberately marked the payments as Personal Payments rather than Goods and Services bypassing XXXX XXXX Purchase Protection policy. Shortly after receiving the items, the scammer disputed all of the payments through their credit card issuer, claiming them as unauthorized. 

XXXX notified me on XX/XX/XXXX and XXXX, XXXX that the chargebacks had been initiated. Although XXXX  submitted a dispute on my behalf, they ultimately ruled that I was ineligible for reimbursement due to the transaction type being marked as personal. I was left with a negative balance of {$8000.00} on my Venmo account, while my friends were left with similar or larger negative balances. 

I attempted to resolve this matter through XXXX  support, but the case was closed with no resolution in my favor, despite providing clear evidence of the scam. Local police declined to take a report, labeling it a civil matter. XXXX has not provided any protection, and now we are all at risk of this being sent to collections and damaging our credit even though we were victims of fraud. 

This situation highlights a major flaw in XXXX system : there are no safeguards preventing users from misusing the personal payment feature to commit fraud, and no recourse for victims like myself. XXXX refusal to reimburse or freeze collections pending resolution is unethical and irresponsible. 

Case number # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: Lennar Financial Services, LLC
State: NV

Complaint narrative:
Lennar Homes and Lennar Mortgage advertised rates for SFR homes in XXXX, NV as follows : 2.75 % ( Year 1 ), 3.75 % ( Year 2 ), and 4.75 % ( Year 3-30 ). I saw a Lennar home online and reached out to Lennar to put an offer on it. Lennar assigned XXXX XXXX as our Lennar sales consultant. XXXX XXXX told me to apply for a mortgage with Lennar Mortgage Loan XXXX XXXX XXXX. I applied, provided my credit and employment information, proof of funds to close, and showed I was able to put 30 % Down ( 70 % LTV ), and they provided an Estimated Closing Statement showing {$0.00} Loan Origination Fees and a rate of 4.875 % for said home. When I asked about the advertised rates of 2.75 % ( Year 1 ), 3.75 % ( Year 2 ), and 4.75 % ( Year XXXX ), XXXX XXXX said he was giving me a " good deal '' and to not try to " haggle. '' He went on to say those rates would only apply to a XXXX closing, and the home I wanted to put an offer on wouldn't be ready to close until XXXX. He then provided a different Estimated Closing Statement showing 4.625 % rate, said it would be locked until XXXX, but also added a Loan Origination Fee of 1.5 %. When I asked about the Loan Origination Fee which was never disclosed in any advertising, they insisted that was the price to lock in a long-term rate until the closing in XXXX. I then toured a different home, a move-in ready home, with another Lennar Sales XXXX, XXXX at XXXX XXXX XXXX XXXX XXXX, NV. This home would close in XXXX, but XXXX XXXX still refused the advertised rate. He provided a different Estimated Closing Statement with a rate of 4.625 %, but tacked on a 2 % Loan Origination fee - over {$20000.00} in up front fees. Again, when I questioned this, he sent rude, aggressive, inappropriate, unprofessional e-mail after e-mail, message after message, trying to justify the false, misleading advertising. This happened on XXXX XXXX, and until late the following XXXX  night. XXXX XXXX also admitted the advertising is misleading. XXXX XXXX and XXXX Mortgage is purposely participating in false, misleading advertising regarding rates, and loan programs, misrepresenting and failing to disclose $ XXXX $ XXXX in junk fees, and they should not be allowed to continue to do so. The Sales Consultant and Loan Officer seem to have no management oversight, and they think they can conduct bad business in any manner that they want with no recourse. My credit is perfect - over XXXX XXXX XXXX, my credit shows I've owned several homes and have never once had a late payment, I have no debt, strong W-2 income, and I was able to put 30 % down, yet they miscalculated my loan application to say I was only eligible for a higher rate at {$20000.00} in loan origination and other junk fees.

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 2025-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
In XX/XX/year> I placed an order of {$100.00} for a pair of XXXX sneakers. The sneakers were delivered to the wrong address and I was never able to retrieve them. I contacted XXXX, who told me that they issued {$100.00} credit on XX/XX/year>. ( I can provide this email to you. ) I never received a credit on my Citibank account and they asked me to provide proof of what XXXX said. I did this. After much back & forth and them crediting and recharging the {$100.00} several times, they never resolved the issue. It has been over XXXX months and I recently sent them XXXX emails requesting the status. They have ignored both emails. They did not respond directly to my first email but did send a letter in my Citibank portal claiming the dispute was resolved and that I received the {$100.00} credit. I emailed them again because according to my own records I DID NOT receive the credit. I sifted through many of my statements and have no record of the refund. I told them this via email and asked that they inform me exactly of when the refund was issued but they refuse to respond.

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 2025-04-24 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: CT

Complaint narrative:
Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-04-24 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: MI

Complaint narrative:
Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 personal credit card account.

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.

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 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report and I've noticed that there are fraudulent accounts along with inaccurate information in my report. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) XXXX XXXX XXXX XXXX I XXXX Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists. I am contesting this entry as it was added without my authorization. According to FCRA 605B, they are required by law to obtain my consent before including any information on my credit report.Please remove them as they are affecting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report and I've noticed that there are fraudulent accounts along with inaccurate information in my report. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) XXXX XXXX XXXX XXXX I XXXX Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists. I am contesting this entry as it was added without my authorization. According to FCRA 605B, they are required by law to obtain my consent before including any information on my credit report.Please remove them as they are affecting my ability to obtain credit.

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 2025-04-24 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 DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: EMG ACQUISITION GROUP, LLC
State: NV

Complaint narrative:
This loan company has not had a manager for over a year and has been having standard employees with no upper management or escalation department to go to regarding arising issues. Ive tried more than several times to get the name of the general manager of XXXX XXXX XXXX located on XXXX XXXX XXXX  XXXX NV & have spoken with a woman named XXXX. She has never been the type to resolve any issues and always responded with theres nothing I can do with no empathy, almost as if a robotic answering service is handled by that company. There is no other minute loan center location in XXXX XXXX expect for this one and this place needs to be shut down. They give people loans but have no staff and empathic leadership to help run the place. It really is as horrible as the reviews go on google & yelp. Hopefully the CEO of XXXX XXXX XXXX sees this and acts accordingly.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
Good Evening, To Whom It May Concern, I am writing in regard to a letter addressed to XXXX XXXX that was recently delivered to my mother 's residence at XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX. This individual does not reside at this address, nor has he ever lived at this residence. 

I am concerned that this address has been used fraudulently. I have had previous personal relations with XXXX XXXX, which have since ended, and I have taken steps to cease all contact due to past domestic issues. It is deeply concerning that he has somehow obtained and used my mothers current address, especially given that she moved to this location just over a year ago and has no known connection to XXXX XXXX. 

I respectfully request that no further documentation or correspondence related to XXXX XXXX be sent to this address. Please remove this address from any records associated with him to prevent future misdeliveries and distress. 

Should you require any further clarification, I am available for contact and can provide additional context as needed. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I can not unfreeze my credit report. 
I can not download the app because they think Im a bot. Im not.

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 2025-04-24 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:
b'This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal: Pursuant to 15 U.S. Code  1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four (4) business days of receiving this letter. These are the list of Items need to be deleted ASAPXXXX 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 XXXXn\nUnder 15 U.S. Code 1681a(2)(B) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap.'

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 2025-04-24 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: MN

Complaint narrative:
I have been XXXX  for the past several years. Upon my release I noticed several items in collections that did not belong to me because I was XXXX  there is no way I was able to open these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: MN

Complaint narrative:
I have been XXXX  for the past several years. Upon my release I noticed several items in collections that did not belong to me because I was XXXX  there is no way I was able to open these accounts.

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 2025-04-24 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: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Involving Wells Fargo, I want to express my concerns regarding the handling of my credit card account. 

Minimum Payment Trap : Making only the minimum payment often means I'm barely covering the interest and fees, leaving the principal balance largely untouched. This has led to a cycle of debt that feels impossible to escape. 

Interest Charges : Wells Fargo 's monthly interest rates range from 17.24 % to 29.24 %. Additionally, I am charged a fee based on the amount borrowed each month, which means barely anything goes towards reducing the principal balance. 

Online Access Issues : Wells Fargo disabled my online access, making it almost impossible to make payments. When I stopped paying, I received no response via mail regarding a potential settlement. Instead, Wells Fargo bypassed me and went straight to suing me without attempting to work out a payment plan first. 

Legal and Additional Fees : On top of the original debt, Wells Fargo is suing me for more than I owe, including their attorney fees and the constable 's mileage to serve papers. This is unfairly adding to my financial burden. I am forced to comply with their attorney to avoid a default judgment. My original owed amount was {$4900.00}, but with all their fees, Wells Fargo claims I now owe {$6000.00} or more after all the fees they slap on after that. 

I am requesting a review of my account and a fair resolution to this matter. Though I am out of time I would appreciate This matter get investigated. 

Thank you for your attention to this matter.

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