vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-04 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: United Financial Service
State: CA

Complaint narrative:
I am disputing the account listed under XXXX XXXX and an inaccurate address on my credit report because it is not mine, and I have no knowledge of this account. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I have the right to dispute inaccurate or fraudulent information on my credit report. I request that this account be removed immediately unless verified with proper documentation. If XXXX can not verify the accuracy of this account, it must be deleted per FCRA regulations. I am willing to provide any necessary information to assist in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: IL

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 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 2025-02-04 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: IL

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 non-monetary relief
Consumer complaint received 2025-02-04 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: PA

Complaint narrative:
EXPERIAN CREDIT BUREAU IS REFUSING TO REMOVE A NEGATIVE ACCOUNT ON THE REPORT. 

ACCOUNT NAME : XXXX AMOUNT : {$2200.00} ACCOUNT # XXXX DATE : XX/XX/XXXX ALSO, TO REMOVE ALL THREE NEGATIVE INQUIRIES THAT WERE UNAUTHORIZED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: GA

Complaint narrative:
XXXX XXXX  moved into an apartment where I was asked to be the guarantor I canceled the lease and they allowed him to stay They allowed XXXX to fraudulently signed my name even though I canceled. The apartments were well aware of this during the court proceedings I did join their attorney in court who apologized for not notifying me of eviction. I never received notice Only XXXX was notified and money that was due they only notified XXXX. The attorney for apartment stated in court that I would not be financially liable if I had my son move out by the XXXX they will wipe out any monetary rulings that were due from my name and put them on my son since he is the only one who signed. The apartments later called me and I explained to them what took place in court they told me that they will not collect the money but they will send it to a collection company in a different name who can then collect it this is illegal the judge already made a ruling the attorney already apologized for allowing my son to sign my name without me being present this is identity theft and this that belongs to XXXX XXXX not me. I want a complaint against them for allowing identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I reviewed my credit report and noticed inaccuracies. Consequently, I mailed a dispute letter to Experian on XXXX XXXX XXXX, using certified mail. It has now been over 35 days, and I have not received a response from the credit bureaus. This lack of response is a breach of 15 USC 1681i ( a ) ( 1 ) ( A ), which mandates that upon receiving a dispute, a consumer reporting agency must, without charge, conduct a timely reinvestigation to verify the accuracy of the information. If the information is found to be inaccurate, the agency must update or delete the item within 30 days from the date the dispute was received.

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 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
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 2025-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
i sent money to my daughter that had a closed account and they wouldnt refund me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
My account with Wells Fargo was closed back in XXXX of 2023 because the bank states I was a risk factor due to me filing claims for packages that I did not receive. There was a total of 5 claims filed because at the time I lived in a condo and would get packages delivered to my house and the kids and other adults would always steal our packages. Out of the 5 claims I filed 3 claims were valid prior to my accounts being closed. And after my accounts were closed I received multiple checks and letters stating after a review of the claim Wells Fargo determined there was a error on their end so the claims were reversed and approved in my favor and I received multiple cashier checks for the claim but the checks were send to a different address than the one I had on file which the address the checks were sent too has never been a place I have lived either. I have spoken with multiple agents over the phone and they have looked at my file and told me there is nothing on my file.

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 2025-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Avant Holding Company, Inc.
State: IL

Complaint narrative:
Alleged account owner and/or servicer didn't properly validate the alleged debt and used deceptive practices to collect the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: LA

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 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 2025-02-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Have lots of debt I was involved in identity theft, lots of debt thats on my credit is false

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 2025-02-04 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: IL

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 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 2025-02-04 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: CA

Complaint narrative:
DUE TO TRAFFICKING, THESE ACCOUNTS WERE CREATED WITHOUT MY PERMISSION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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:
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 2025-02-04 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: NC

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 2025-02-04 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
Filed Claim with CFPB & Claim was Closed XXXX company requested documents in reference to verification of residence at the time of the theft. I emailed the requested documents to creditor, and below. Still waiting for response from company. It is still reporting on XXXX as a result. 


Information about account : Fair Collections, Account number # XXXX Opened : XX/XX/XXXX / Balance : {$34000.00} I am a victim of identity theft since XXXX to my knowledge. I contacted the collection agency, and company. I submitted notarized letters explaining identity theft, police report, lease of residence at the time, utility bill, id, Ss card, Ftc report, identity affidavit, and the collection agency fraud packet. It is still reporting on XXXX. 

Company 's Response The account was placed with our office by creditor XXXX XXXX XXXX XXXX Creditor retains ownership of the account. Our office has investigated the consumers claim that this account is the result of Identity Theft/Fraud. In order to complete our investigation, we are requesting the consumer provide proof of residency during the time in question which is XX/XX/XXXX XX/XX/XXXX. Proof of residency can be mortgage statements, full lease signed and dated by all parties or utility bills in the consumers name. The consumer has provided documents, but they are after the time in question as noted above. As soon as we receive the requested information, we can complete the required investigation.

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 2025-02-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XXXX XXXX XXXX, I paid off a loan with Truist bank. On XXXX, I have applied for a HELOC with a different bank. I need evidence of the payoff to qualify for the new HELOC ( debt to income ratio ). Truist has not provided evidence of the payoff. They have locked me out of the online account once the loan was paid so I am unable to pull the evidence myself. I called and they could offer a payoff statement after 7 day processing time and the time to send through the mail. They are holding up my ability to pull much needed funds from a HELOC. I escalated to several individuals - supervisor " XXXX '' and manager " XXXX. '' It is unreasonable that I do not have evidence of a XXXX balance loan account after 30 days.

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 2025-02-04 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PNC Bank N.A.
State: VA

Complaint narrative:
On XX/XX/XXXX, I received a notification from my credit monitoring service that a new major derogatory activity had appeared on my credit report indicating that one of my accounts has been reported as 90 days past due. When I called to follow up, I learned that the account in question ( XXXX ) was the same account I had called about over a year ago, when I discovered that there was an outstanding balance being reported when linking my financial accounts to a financial aggregator ( XXXX XXXX XXXX ). However, this account was tied to a XXXX XXXX  credit card account that migrated to PNC during their acquisition in XXXX. When I had asked the representative why I wasn't able to see it on my online or mobile banking with PNC, I was told that this account was no longer active, and that I did not need to worry about it and it would not impact my credit score. I wanted resolution from PNC 's IT team on why it was still showing up from the data pull from the bank 's API to the financial aggregator, but did not receive any escalation. Again, as long as there would be no impact to my credit score, I didn't see the need to continue following up. However, XXXX and behold, their data migration / operational errors are now leading to a derogatory report on my account and I am paying the price for THEIR mistakes. I am now in the process of having to PHYSICALLY mail in an explanation and exposing my PPI in the mail as the instructions are to also include my SSN as part of the dispute process. No physical address, no adjustor 's name, no email, or phone number avialable. Absolutely ridiculous that I have to go through this effort to be able to fix a mistake THEY made, and which I had ALREADY called in the past to follow up on, RECEIVED no escalation or action to follow up and provided FALSE assurances. I will be separately filing a demand letter with an attorney, but would like CFPB to look into this issue as a whole and examine the bank 's IT operational processes, in conjunction with the OCC, during the acquisition and to determine if other customers were erroneously impacted as I was. I would hope a financial penalty is also exacted against PNC if the investigation discovers that this problem was more impactful than just my individual case and there are BREAKDOWNs in their fundamental risk management processes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PlusFour, Inc
State: UT

Complaint narrative:
Was not informed of debt. Asked to send communication and update address. No communication was sent and no address was updated. Debt was incurring late fees making the company unwilling to peovide information to get settled. 

No letters were sent. No phone calls were made to me. 

Company refused to provide documentation or waive late fees or provide proof of debt. Was told I could not dispute the late fees or charges. Provided no resolution in XXXX and continued to Collect late fees and still sent no communication for 1 months. 

Resolved in XXXX and paid in full to stop impacting my credit. 

Offered zero assistance to clarify debt or dispute the charges. The company did not do their due diligence to contact me or to provide documentation. 



Name XXXX XXXX Account number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: CBC Companies, Inc.
State: OH

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to dispute an item on my credit report that I believe to be inaccurate and is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, the information contained in my credit report is incorrect and has caused harm to my creditworthiness. 

I request that you promptly investigate the matter and correct or remove the erroneous information as required by law. Under 15 U.S. Code 1681o, a consumer may seek damages for negligent violations of the FCRA, including any damages caused by inaccurate information reported to consumer reporting agencies. I am requesting that you conduct a thorough investigation of the information in question and provide me with a copy of the results. 

Please be advised that, according to FCRA guidelines, you are required to conduct a timely and reasonable investigation of any disputes, typically within 30 days of receiving this letter. If you determine that the information is inaccurate, I request that it be corrected or deleted from my credit report. I also ask that you provide me with a written response indicating the actions taken regarding my dispute. 

In addition to the above, I would like to remind you of your legal responsibility to ensure the accuracy and integrity of the information reported to consumer credit agencies. Should you fail to resolve this dispute in a timely and accurate manner, I may seek legal remedies available under 15 U.S. Code 1681o, including pursuing damages for any harm caused by the negligent reporting of incorrect information. 

Please notify me as soon as your investigation is complete. I look forward to your prompt resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
LVNV funding is parking debt on my credit report. Started XXXX of 2024. Debt is invalid with LVNV funding llc. Failed to contact consumer. Contacting without permission. Original debt and contract was with XXXXXXXX XXXX XXXX XXXX Please have debt removed as it is has never been validated with above mentioned debt buyer.

Company response to consumer: Closed with explanation