vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-27 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: GA

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submission, Experian consistently responds within 24hrs stating the account is accurate. without providing any evidence of a thorough investigation. The practice violates the Fair Credit Reporting Act FCRA, 15 U .S C1681 which mandates a reasonable investigation of disputes. Furthermore, Experian actions may also contravene the Consumer Financial Protection Act CFPA U.S.C 5536 ( 1 ) ( A ) ( B ). As highlighted in the CFPB 's recent administrative proceeding. File # XXXX against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I marked as inaccurate. 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 2025-01-27 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: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I applied using a credit card, but more than 10 lenders appear to have checked my credit without authorization. I filed a complaint and they are asking for proof that I did not apply to those other lenders. What proof can I provide?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have reached out to these companies and creditors as well as the credit bureaus including XXXX, TransUnion and XXXX for a while now about accounts that they are reporting that are fraud and inaccurate stemming from me being a victim of identity theft. I have sent reports, police reports as well as FTC reports to these companies. Along with all the information that is needed to show and prove I have been a victim of identity theft like Personal statements explaining to them that I am a victim of identity theft and that I never gave anyone permission or authorization to use my name for goods and services with these companies! Yet and still they are refusing to oblige and or investigate these accounts and remove them from my credit. 
I have sent the attached letters below to these creditors and companies asking them to investigate and send me the identifying information and signatures and pictures showing where I walked in somewhere and opened these accounts yet that's never done either! Per the FCRA creditors are supposed to Abide by law when a consumer has informed them and sent in the proper documentation that follows on how to proceed when a person has notified them that they are a victim of identity theft and have rights under these laws, Yet not one of these creditors has done due diligence yet they choose to keep reporting these fraudulent and inaccurate accounts that do not belong to me! 
My credit, reputation, creditability, character has all been damaged and ruined by these companies and thieves acts! 
Because these companies refuse to do their jobs and refuse to follow the laws of identity theft victims my life has been destroyed for some time now! The stress, embarrassment, agony and anxiety I have endured all this time has been detrimental to my health and livelihood! 
I have been denied credit, housing, goods and services as well as jobs due to these companies ' lack of due diligence and their inaccurate reporting!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Seventeen unauthorized wire transfers totaling {$5900.00} were made from my account at XXXX XXXXXXXX XXXX XXXX. These transactions occurred between XXXX XXXX and XXXXXXXX XXXX Pacific Time. 
I was asleep but was awakened by the sound of a cell phone notification around XXXX. Upon checking, I found notifications from XXXX. These notifications were not in the form of emails or texts, and nothing was left in my mailbox. I attempted to click NO on at least two Confirmation Required prompts, but each time, the response displayed Request has expired. 

I immediately called XXXX, but I had to wait over 20 minutes to reach the first available representative. The representative subsequently placed a lock on my account and informed me that approximately 17 wire transfers had already been completed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: DISCOVER BANK
State: PA

Complaint narrative:
I did not understand any of the information because it was not mine, but my name was used or someone is confusing me to someone else

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: CITIBANK, N.A.
State: PA

Complaint narrative:
I did not understand any of the information because it was not mine, but my name was used or someone is confusing me to someone else

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Westlake Services, LLC
State: TX

Complaint narrative:
Subject : Formal Complaint Regarding Vehicle Repossession and License Plate Issue Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint regarding my experience with Westlake Financial Services following the repossession and subsequent reclamation of my vehicle due to non-payment.

After settling all outstanding fees, I successfully reclaimed my vehicle from the auction facility. However, upon retrieval, I discovered that my license plate had been removed as well as my valuable documents for my businessees and personal protected information. When I inquired with the auction facility, they denied any involvement and directed me to contact Westlake Financial. Upon reaching out to Westlake Financial, they also denied any knowledge regarding the whereabouts of my license plate. 

As a result of this situation, I found myself in a distressing position. I was pulled over twice by law enforcement for driving without a valid license plate, resulting in fines and negative reports on my driving record. In order to resolve this issue, I had to borrow funds to pay the fines and obtain a new license plate.

Despite fulfilling my financial obligations and addressing the unforeseen challenges caused by the repossession process, Westlake Financial continues to contact me daily regarding payments for the vehicle, adding further stress to an already difficult situation. 

I kindly request the CFPBs assistance in investigating this matter to ensure accountability and seek resolution for the undue financial and legal burdens I have faced. 

Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: OH

Complaint narrative:
A little over a month ago Sloan servicing company apparently took over a loan that I had for student loan with Nelnet servicing company. I have been paying {$50.00} a month and it was set up on an automatic withdrawal every month with Nelnet. Without knowing that a new company had taken over the student loan that I had I found out from XXXX XXXX that I had a 90 day late on my credit report and they were reducing my credit limit on multiple credit cards. That was the first that I had heard of Sloan servicing company I reached out to their customer service to let them know that I was unaware that they were servicing my loan and I immediately made the payment to get caught up. I had a XXXX credit score and never missed a payment with any creditor over the last 20 years. This is had an adverse effect on me and my credit because of this 90 day late from Sloan servicing company on a {$50.00} a month student loan payment it has cost me thousands and thousands of dollars and my credit score is ruined now I had never missed a payment to XXXX XXXX an auto loan my mortgage my second mortgage or any other credit card, But they will not do anything about it and state that this is accurate because they had sent me documentation in the mail. I had no idea whos sloan servicing was. Therefore, I had no idea that they had replaced my student loan company Nelnet. This is absolutely unfair and it is completely ruined my credit and cost me all of my credit limits with multiple credit cards for my business. I need Nelnet to resolve this issue immediately and remove the 90 day late on my credit report as this was completely Egregious, and I was unaware about it at all. Thank you very much. I pray this gets resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: NC

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding Experian 's failure to properly investigate disputes I have filed concerning inaccurate information on my credit report. Despite providing evidence to support my claims, Experian has not taken the necessary steps to conduct a proper investigation, which violates my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). 

The inaccurate accounts in question are as follows : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have submitted disputes for these accounts and provided documentation to prove the information is either inaccurate or unverifiable. However, Experian has either failed to verify the information properly or has responded with generic " verified '' statements without explaining their investigation process or correcting the errors. 

This failure to conduct a reasonable investigation has caused harm t o my credit score and financial well-being, affecting my ability to [ get approved for credit, loans, and housing ]. 

I am requesting the following actions from Experian through the CFPB : 1. Conduct a proper and thorough investigation into the accounts I've disputed. 
2. Provide me with a detailed explanation of the steps they've taken to verify or correct the information. 
3. Remove any inaccurate or unverifiable information from my credit report immediately. 

I am attaching all relevant documents, including certified documents showing I sent it to Experian certified letters, Experian 's responses, and supporting evidence, to this complaint for your review. 

Thank you for your assistance in addressing this matter and ensuring that Experian complies with federal laws to protect consumers like me. 

Sincerely, XXXX XXXX XXXX Please see all attachments

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UMB FINANCIAL CORPORATION
State: MO

Complaint narrative:
On Sunday, XX/XX/year>, I initiated a transfer of {$240.00} from one of my XXXX accounts to my UMB checking account, which is an established external account with my XXXX accounts. I realize that XX/XX/year> was a bank holiday. I have made multiple transfers from this XXXX account to my UMB checking account previously and the funds would be available in 2-3 banking days. However, this transfer of {$240.00}, which exited my XXXX account on XX/XX/year>, has not been credited partially or fully to my UMB personal checking account. UMB status messages indicate the funds will not be available until AFTER XX/XX/year>. UMB customer service personnel state that a hold of this duration is justified and/or acceptable. 

I disagree that a hold of this duration is acceptable or justified. The funds should have been made available to me, partially or fully, sooner than Tuesday, XX/XX/year>, especially since the funds have been absent from my source account since XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: CA

Complaint narrative:
I am reaching out with absolute certainty and growing frustration regarding the numerous errors on my credit report. These inaccuracies have been severely impacting my life and credit score, creating barriers to achieving financial freedom and stability.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: NE

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX has violated my rights. 

I am filing a complaint against Equifax, XXXX, and XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax, XXXX, and XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's administrative proceedings ( File No. XXXX ) against them for similar violations. I request the CFPB take action to ensure Equifax, XXXX, and XXXX complies with federal law. 

15 U.S.C. 1681i section 602 A. states that I have a right to privacy. 

15 U.S.C. 1681i Section 604 A Section 2 ; States a consumer reporting agency can not furnish any account without my written instructions. 

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
In XXXX I received a letter from SPS stating the insurance ( escrow ) could not be paid because the city on the account ( XXXX, unincorporated portion ) did not match the city on the insurance ( XXXX per the tax collector ). I have owned this house since 1997 and this has never been a problem. They denied the insurance payment pending review. I sent them the XXXX documents on XX/XX/XXXX from the County and was told 5-7 days to review. I have called weekly with no results and my insurance company is cancelling me for non payment ( I am paying the escrowed amount monthly as if the mortgage company DID pay the insurance. ) Total XXXX XXXX, I was told they still have not looked at the documents and it will be ( again ) 5-7 days. 

I will have made XXXX payments on the house since the insurance renewal ( they were suppose to pay it in XXXX ) to include escrow. They are threatening to force place insurance if the policy is cancelled because of the " incorrect '' city information. They also said if i choose to pay the insurance myself they can not accept it because the city is different and they will still have to force place insurance. There is no way out of this situation on my own. Please assist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: TX

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: IN

Complaint narrative:
Dear Equifax Representative, Their is a fraudulent account reporting to my credit report as a result of identity theft Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), I submit this written dispute to request Blocking of inaccuracies on my Equifax credit report resulting from identity theft.

Company response to consumer: Closed with non-monetary relief