vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-06 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: TX

Complaint narrative:
I am reaching out to express my concerns about several issues I have encountered with the credit bureau, including incorrect account listings, inaccurate credit reporting, billing discrepancies, and accounts that do not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: CAVALRY INVESTMENTS, LLC
State: NY

Complaint narrative:
I am not liable for debt with this company. This debt is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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:
There are accounts on my credit report that should not be there, and I have no connection to them whatsoever. This is not only unfair but also extremely frustrating and concerning. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, I have the right to an accurate credit report, and these errors should not be affecting me. I expect a full investigation and for these mistakes to be corrected immediately. If this isn't handled properly, XXXX have no choice but to take legal action to protect my rights.

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 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I reviewed my credit report and noticed several inaccuracies. I sent a letter to XXXX in XXXX to dispute these items. However, it has been more than XXXX  days, and I have not received a response from the credit bureau. This delay is a violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires a response within XXXX  days. 

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), if a consumer disputes the accuracy or completeness of any information in their file, the credit reporting agency must, at no cost, conduct a reasonable investigation, verify the disputed information, and update the file or remove inaccurate items within XXXX  days of receiving the notice of dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 2025-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
So I changed my profile name to the name of my child 's, and they suspended my account asking for identity verification. Then I sent them my identity verification and then they told me I have to change my legal name to the same as my identification. I never changed my legal name but then I asked them on how to change it and they say I will have to create a new account. All I wanted was to transfer my funds out of the account and so I asked them if they could just send me a check of my available fund to the address on file I have because if I create a new account, how will that help with transferring my money out. After that, I never gotten a response. I also ask if I could speak with a XXXX, but they never responded either. All of this has to go through email as the customer representative says they can not do anything, and it has to go through a XXXX via email. They had very bad reviews regarding holding up customer 's fund and keeping it. This is a horrible business to deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: MD

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company 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 2025-03-06 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: MD

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company 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 2025-03-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I am writing to formally express my concern regarding the restriction placed on my account and the ongoing investigation, which has severely impacted my ability to access my funds. I have attempted to resolve this matter multiple times through phone calls but have not received any clear guidance or timeline for resolution. 

On Friday of last week, I attempted to transfer funds from my Ally Bank account to my XXXX Bank account via XXXX. The transaction was blocked by Ally Bank as unauthorized, and I was informed that my XXXX access was restricted. Since I have multiple XXXX accounts linked to my XXXX and Ally accounts, I attempted to streamline my accounts by switching my primary email address and removing the secondary one to prevent any conflicts. 

Following this, I contacted Ally Bank for assistance over the weekend. However, the representative I spoke with was unhelpful and, instead of assisting me, insisted on verifying my identity. While I was willing to provide verification, the representative refused to proceed, stating that I could not be verified. The call was then abruptly disconnected without any resolution. 

After multiple unsuccessful attempts to reach a resolution, my account was suddenly placed under investigation. On Monday, I was informed that the verification process would take time but should be completed within the week. Initially, I was still able to access my account, but now my access has been completely frozen. 

When I called again today, I was informed that my account remains under investigation, but no timeframe for resolution was provided. This lack of clarity and support is extremely frustrating, as I need access to my funds, and I am not being given any actionable steps to resolve the issue.

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 2025-03-06 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:
Im absolutely furious to see a fraudulent account on my credit report. This account was opened without my permission, and its clear that my identity has been stolen. I never authorized this, and this is having a direct negative impact on my 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 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
INQUIRIES : 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 non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I booked a resort and was charged with the card I had on file for the reservation. The company said they don't take deposits and who ever did it wasn't affiliated with their company. The transaction had the company 's name on it XXXXXXXX XXXX than told me that I should contact my bank and authorities since it was most likely fraud. I let Wells Fargo know this and put in a claim after investigating, they declined it, in order to open the claim again, I had to send in evidence, which I did. Which included the person I spoke to at XXXX to make the reservation and the email with the XXXX supervisor telling me that fraud had occurred. Wells Fargo than told me my case didn't meet the requirements of fraud ; they didn't protect me as a consumer and customer and resolve my issue. They told me to contact the merchant, but it was not the merchant to contact since it was FRAUD. This was {$1200.00} dollars, and they told me they couldn't do NOTHING about it.

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 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( 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 non-monetary relief
Consumer complaint received 2025-03-06 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: DC

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 explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC
State: OH

Complaint narrative:
I keep getting text messages from Jefferson capital systems. Im not even sure who or where theyre from. Obviously maybe a debt was sold to them, but they keep texting me and telling me that they can sue but maybe they wont but they will continue to report this information to all the credit bureaus and its not even accurate information. They are trying to say I owe them an amount of money that was not Agreed upon. These are text messages. Im getting every single day. I certainly never agree to get any text messages, especially from a company that I dont even know.So that means that whatever company bought my debt was able to buy all of my personal information as well, and that is very concerning to me. As a person that has dealt with fraud before im worried about it and it scares me. I would like for the harassment to cease and for them to fix the amount owed because it has been nowhere near that amount. Im already unemployed, almost every factory in my town is under a hiring freeze, so Im not working and Im getting XXXX  by this company and I dont know what to do about it. I read somewhere that you guys can help with this. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
There is too much to list but if the recordings were listened to it would verify all i am saying is correct. I called Mr. Cooper Mortgage Company requesting that if starting XX/XX/XXXX I could claim hardship on a loan and requested to have forbearance for just a couple of months. She said yes and walked me through how to go about doing that, and said to just watch the account for the approval and could take at least 30 days. Then logged in again on XX/XX/XXXX and it did not show available to make a payment so I called and spoke with someone to make sure there is nothing I needed to do because it also had a tab to upload documents. Also wanted to confirm they did not need anything and it was still being applied for a payment deferral on ( later on finding out she never applied for anything ). She also said the same thing, to watch the account for it to take effect after a couple months. Then still not seeing anything I called back on XX/XX/XXXX but got disconnected. Then was able to call back on XX/XX/XXXX, where I found out that nothing was applied and he help by submitting the information. Finally called again XX/XX/XXXX where I spoke with XXXX & XXXX and was hit the fact that nothing was done the way it was told to me originally by company representatives. Apparently during this time they filed for foreclosure on my residence on XX/XX/XXXX ( what is crazy is when I called in XXXX and spoke with them nothing was ever mentioned! ) but they approved a Full loan modification in turn doubling the rate adding to the term and now lots of legal fees. Also was told that a FHA loan ( supposably ) does not allow for a forbearance but he also contradicted his self because he said it was never applied for. So why was I told something completely different for so long, it feels like I have been ran professionally through the ringer in order to extract more money out of me. I just don't understand how a company with blatantly lie to you mislead you when you call them, then if you call them out on it just shrug and say sorry. From the beginning I just needed XXXX  months to get back on to my feet due to impact of the Hurricane that hit the east coast, but even if i wanted to make a payment after the XXXX  months it would not allow me to. But what is scary to me is that I know I can not be the only one this is happening to also contacted the XXXX  but learned that Mr. Cooper is not an accredited XXXX  company! I just am requesting help and everything I am saying can be verified by call recordings.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
The following accounts do not belong to me and are appearing on my credit report without my authorization : XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX, Phone : ( XXXX ) XXXX ) - This is a collection account that I never opened, yet it appears on my report. 
It is negatively impacting my credit, and I demand its removal as it is not my debt. 

XXXX XXXX  XXXX. ( XXXX XXXX XXXX, XXXX, XXXX XXXX, Phone : ( XXXX ) XXXX ) - This account has been paid off, yet it still shows an outstanding balance. 

XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX, Phone : ( XXXX ) XXXX ) - I have never had any accounts with this lender, yet it is being reported on my credit file. 

XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX, Phone : ( XXXX ) XXXX ) - Late payments are incorrectly reported, despite my payment history being on time. I have provided proof of timely payments, but the issue has not been corrected. 

XXXX XXXX  XXXX. ( XXXX XXXX XXXX, XXXX, XXXX XXXX, Phone : ( XXXX ) XXXX ) - The account was fully paid, yet the credit bureau continues to report an outstanding balance. 

There are hard inquiries on my report that I did not authorize, and they must be removed : XXXX XXXX  ( XXXX XXXX XXXX, XXXX, OR XXXX, Phone : ( XXXX ) XXXX ) Inquiry Date : XX/XX/XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX, Phone : ( XXXX ) XXXX ) Inquiry Date : XX/XX/XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, IN XXXX, Phone : ( XXXX ) XXXX ) Inquiry Date : XX/XX/XXXX Incorrect Public Records A foreclosure is listed on my credit report, but I have never had a foreclosure in my name. 
A financial judgment appears on my credit report, yet I was never notified or involved in any legal proceedings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681C-2 ) that you, the ( CREDIT BUREAU ) 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. 
I am filing this FTC Identity Theft Affidavit to report four fraudulent accounts appearing on my consumer FICO Experian credit report, which are the result of identity theft and fraud. These fraudulent accounts consist of a revolving account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the fraudulent account number XXXX with an amount owed of {$0.00}, a revolving account opened at XXXX XXXX on XX/XX/XXXX under the fraudulent account number XXXX with an amount owed of {$34000.00}, an installment account opened at XXXX XXXX on XX/XX/XXXX under the fraudulent account number XXXX with an amount owed of {$2100.00}, and an installment account opened at XXXX XXXX  on XX/XX/XXXX under the fraudulent account number XXXX with an amount owed of {$13000.00}. Additionally, my report includes a XXXX  XXXX bankruptcy ( Ref : XXXX ) discharged on XX/XX/XXXX, which I am requesting to be reviewed for accuracy. These fraudulent accounts have resulted in multiple unauthorized hard inquiries and financial damage. I demand that all fraudulent items be immediately removed from my consumer credit reports and that all collection activity related to these items cease immediately pursuant to my rights under the FCRA and FDCPA laws. 

These accounts have resulted in several fraudualent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or charge-offs as reported. The aforementioned accounts, collections, and charge-offs appearing on my consumer credit report maintained by you were not opened, made, or initated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) 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 frau. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA AND FDCPA laws.

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 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I was unaware of the name of the company, XXXX, never received any mail stating upcoming due date or payments due. I had no time to choose a monthly plan they offer, or any info at all. I was notified by my credit reporting service that I was 90 days late. 90 days!. I am in the process of downsizing and now can not get a mortgage because of this issue. It isnt accurate. So much on and off about student loans and not having to pay, that we as payers should be clearly notified by the servicing company with a set payment plan and amount. I just recently found out about the company. That should tell you something. And Im not the only one. We can not all be wrong and I am asking to please be brought current as I am now in forbearance until XX/XX/year>. XXXX put us in forbearance after I spoke with them but did not remove our latest. This is ruining our credit. We have put XXXX of our XXXX kids through college already and have our last XXXX to pay and are ready to do so, but we need to downsize to afford it.

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