vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Years back I had a wells Fargo account I haven't used in years. Just in XXXX or maybe even XXXX they sent a check for XXXX $ showing me with 3 different accounts I believe those were closed out at that time. But the actual letter is sitting at XXXX police department these scammers and thieves are forging signatures deposits of of money in different accounts from what unknown sources idk. I've contacted the XXXX XXXX FBI. XXXX XXXX XXXX of the XXXX XXXX sheriff 's office. Possibly XXXX XXXX my XXXX location had shown up in XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX etc I need help as I said before there may be even a possible murder suspect on the run hiding under my information all of this I've filed with the local police department etc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXYears back I had a wells Fargo account I haven't used in years. Just in XXXX or maybe even XXXX they sent a check for XXXX $ showing me with 3 different accounts I believe those were closed out at that time. But the actual letter is sitting at XXXX police department these scammers and thieves are forging signatures deposits of of money in different accounts from what unknown sources idk. I've contacted the XXXX XXXX FBI. XXXX XXXX XXXX of the XXXX XXXX sheriff 's office. Possibly human trafficking my XXXX location had shown up in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX etc I need help as I said before there may be even a possible murder suspect on the run hiding under my information all of this I've filed with the local police department etc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They are using apps such as web watchers to get into people 's personal information I've never seen this app or used it. That email was XXXXXXXX XXXX XXXXXXXX. They also used XXXX XXXX and many more these are forged documents that went into XXXX XXXX courthouse

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: EQUIFAX, INC.
State: GA

Complaint narrative:
Name : XXXX XXXX Social Security Number : ( XXXX ), Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 6058 ( 15 U.S.C. 16810-2 ) that you, the XXXX credit report agency, block information appearing on my consumer credit report that is the Identity theft and d fraud 4 business days of you receiving this comply fraud within 4 business days and of identity fraudulent, Inaccurate, and complaint. This of you receiving this complaint. This information consists of a personal credit card account opened at 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. that appears related to the account fore mentioned personal loan account opened. 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 you which shows the aforementioned fraudulent FICO credit report maintained maintained by you which shows the XXXX  consumer FICO items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing oe. All of the consumer credit report maintained by you were not opened, made, or initiated by me. 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 result of identity theft and fraud

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: IL

Complaint narrative:
As a mortgagor with XXXXXXXX XXXX XXXXXXXX, it has come to my attention that the mortgagee ( XXXXXXXX XXXX XXXXXXXX ) has committed serious negligent acts, including mortgage servicing errors and defamation, which have resulted in significant harm and created a great deal of emotional distress to me. First, XXXXXXXX XXXX XXXX has demonstrated mortgage servicing errors by mismanaging my account, inaccurately canceling an approved Natural Disaster Payment Deferral, and falsely reporting a 90-day late payment to credit bureaus despite timely and consistent payments. This error has led to undue financial distress and unjustified damage to my credit standing. Furthermore, the false reporting of delinquency constitutes defamation, as XXXXXXXX XXXX XXXXXXXX has negligently published incorrect financial information to third-party credit reporting agencies, tarnishing my reputation and limiting access to future credit opportunities. Despite attempts to resolve the issue, XXXXXXXX XXXX XXXX has failed to take the necessary corrective actions, further exacerbating the harm inflicted. These actions are not only ethically unacceptable but may also violate federal laws, including the Fair Credit Reporting Act ( FCRA ) and the Real Estate Settlement Procedures Act ( RESPA ), which protect consumers from negligent and fraudulent mortgage servicing practices. I demand that XXXXXXXX XXXX XXXXXXXX immediately : Correct the inaccurate credit reporting with all credit bureaus. Issue a formal written statement acknowledging the error. 

Compensate me for damages incurred as a result of their negligence. 

Ensure proper compliance with federal laws to prevent further harm to borrowers.

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: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
I am submitting this formal complaint against OneMain Financial for engaging in unfair lending practices and imposing an excessive financial burden on me. I am an XXXX XXXX and XXXX veteran living on a very limited fixed income. When I initially secured a loan from OneMain Financial, my financial situation was significantly different, and I expected to repay the loan within three years. However, due to severe and unforeseen financial hardships, my circumstances changed drastically, now I am struggling to continue making payments as initially planned. 
The loan was for less than {$11000.00}. To date, I have made payments totaling over {$15000.00}, which exceeded the original principal amount I borrowed. Despite this, OneMain Financial insists that I still owe an additional {$5100.00}, bringing the total repayment amount to approximately {$20000.00}. This is an outrageous and exploitative lending practice that constitutes financial abuse of a vulnerable XXXX XXXX 
OneMain Financial holds lien on my only vehicle, which is essential for my well-being. This vehicle is used by my caretaker to transport me to my numerous medical appointments, and losing it would put my health and safety at severe risk. Given my physical condition and age, it is unjust and unconscionable for OneMain Financial to continue enforcing such an egregiously burdensome financial obligation, especially after I have already repaid more than I borrowed. 
I think Onemain practice, I think your office should launch a full investigation into OneMain Financials lending and collection practices, specifically in cases involving XXXX XXXX XXXX borrowers. Meanwhile Onemain should reconsideration of my remaining balance, with a debt forgiveness given the circumstances of my XXXX and age and cancel my contract and release the lien on my only vehicle, as it is a necessity for my medical needs. 
The manner in which OneMain Financial has handled my loan is not only unethical but may also violate state and federal consumer protection laws. I respectfully request that both the CFPB and the California Attorney Generals Office investigate this matter thoroughly and take appropriate action to hold OneMain Financial accountable for its predatory lending practices.

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: MA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-03-06 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: MA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I'm writing to communicate my anxiety in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

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 — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: TN

Complaint narrative:
XXXX XXXX, Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 an apartment lease opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ), an a personal private loan account opened at XXXX on XX/XX/XXXX under the account number ( private ), These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the collections in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, 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 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 — Information belongs to someone else
Company: LEXISNEXIS
State: NY

Complaint narrative:
A XXXX XXXX at-fault Auto Insurance claim that did not involve me has been on my XXXX  Lexis Nexis Report since 2021. Claim number is XXXX for VIN XXXX. The vehicle associated with this incident has nothing to do with me and I have never even been in the state in which the accident occurred. I have never had a policy with this company and the last name associated with the claim is my maiden name which I have no used in a decade. I have reached out to both XXXX XXXX and Lexis Nexis to rectify this issue. This is extreme negligence on both companies.

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: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2025-03-06 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2025-03-06 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX Social Security Number XXXX, a resident of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : 1. Applicant Identification : Full Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
3. Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID. 
o A copy of a recent utility bill or bank statement confirming my current address. 
o A copy of my Social Security Number. 
4. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
5. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX

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: EQUIFAX, INC.
State: TX

Complaint narrative:
Your company is reporting the below referenced account on my credit report as a collection account. The CFPB has filled sued for shame investigations. 

I have disputed this item with the credit reporting agency and had no resolution. They are reporting a " confirmed '' account as valid. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. These accounts do not belong to me. 

I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 
2. What is your authorization of law for your collection of information? 
3. What is your authorization of law for your collection of this alleged debt? 
4. Please evidence your authorization to do business or operate in this state. 
5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 
6. Please provide a complete account history, including any charges added for collection activity. 

You have thirty ( 30 ) days from receipt of this notice to respond. Failure to respond in writing, hand-signed, and in a timely manner, will be considered a waiver to any and all of your claims in this matter, and will entitle me to presume you placed this on my credit report ( s ) in error and that this matter is permanently closed. Provide the proof or correct the record and remove this invalid debt from all sources to which you have reported it. 

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 


Transunion Account : 1. XXXX XXXX XXXX account number : XXXX balance : {$190.00} 2. XXXX XXXX account number : XXXX balance : {$180.00} Equifax Account : 1. XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX balance : {$180.00} 2. XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX balance : {$190.00} Inquiries : XX/XX/year> IXXXX XXXX  XX/XX/year> XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX  XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX

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 — Account status incorrect
Company: Nelnet, Inc.
State: PA

Complaint narrative:
After viewing my credit report, I noticed that my student loans account was reported delinquent as of XX/XX/year>. I did not receive notice that my payments were coming out of deferment.

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: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # AMSHERCOLLECTIONSERVICES amount {$270.00} has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company believes it acted appropriately as authorized by contract or law
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: AZ

Complaint narrative:
I AM SUBMITTING SUPPORTING DOCUMENTS FOR 605C XXXX XXXX. PLEASE SEE ATTACHED DOCUMENTS THAT HAVE BEEN UPLOADED.

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