vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: M&T BANK CORPORATION
State: CA

Complaint narrative:
On XX/XX/year>, we were notified that our loan was being transferred from XXXXXXXX XXXX to M & T Bank effective XX/XX/year> - without providing us with a statement, we were able to log into their online account system using info from XXXX - when we logged into M & T Bank they showed that we were delinquent - we weren't. M & T Banks also showed that we had been assessed fees - we shouldn't have been. When we called, each representative could not explain the fees and couldn't explain why ; after 5 transfers, the last rep we spoke with, XXXX XXXX, explained we were delinquent, and they assessed fees as a result regardless of a loan transfer. This clearly violates 12 CFR 1024.33 and the Fair Debt Collection Act. Causing emotional hardship and stress while dealing with record-high inflation, uncertain economic times, and now abusive tactics from M & T Bank

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 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2025-03-29 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:
I reviewed my credit report and found several fraudulent inquiries that do not belong to me. These inquiries were opened without my authorization, negatively impacting my credit score. I have contacted the creditors involved and confirmed that these inquiries were opened fraudulently. Additionally, under the Fair Credit Reporting Act ( FCRA ), the credit bureau is required to investigate and remove these fraudulent inquiries, yet they have not provided proper verification. I am submitting identity theft reports and supporting documents, including an FTC report, to prove that I did not authorize these inquiries. I request immediate action to have them removed and my credit report corrected.

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 2025-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Jim Bottin Enterprises, Inc
State: FL

Complaint narrative:
XXXX XXXX XXXX MADE SEVERAL FRAUDULENT COLLECTIONS IN MY NAME AFTER I CALLED THEM REQUESTING TO CANCEL THESE MEMBERSHIPS. THEY DELETED PHONE CONVERSATIONS AND HAVE NO PROOF THAT I DID NOT REQUEST TO CANCEL. I BELEIVE THIS COMPANY STOLE MY IDENTITY AND SOLD MY INFORMATION TO TRAFFICKERS BECAUSE I FOUND 2 FRAUDULENT PHONE LINES THAT WERE OPENED IN MY NAME IN TEXAS. I WAS ALSO CONTACTED ON XXXX XXXX XXXX XXXX XXXXXXXX IN XXXX XXXX  THAT WAS REQUESTING XXXX XXXX  FROM ME AND THREATENED MY XXXX  IF I DID NOT COOPERATE. I DID MAKE POLICE REPORT AND I HAVE DISPUTED FRAUDULENT CHARGES WITH BUREAUS AND REPORTED IDENTITY THEFT FOR THESE UNKNOWN PHONE LINES. I CALLED YOU FOR GYM IN XXXX XXXX AND XXXX IN XXXX ASKING ABOUT THESE CHARGES AND THEY ACT OBLIVIOUS AND LIE ABOUT HOW I REQUESTED TO CANCEL INSISTING THAT I OWE WHEN I DO NOT. THEY HAVE NOT PROVIDED ANY PROOF OR REASON OF THESE CHARGES AND HAVE NOT PROVIDED DOCUMENTATION OR PROOF OF WHEN I REQUESTED TO CANCEL. I BELEIVE THIS COMPANY IS BEHIND THE XXXX  IDENTITY THEFT AND HARRASSMENT IN MY LIFE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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:
Experian ( TransUnion, Equifax ) has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX XXXX dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : 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 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 2025-03-29 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:
I am filing this FTC Identity Theft Affidavit to report XXXX separate fraudulent accounts appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a XXXX XXXX account opened at XXXX XXXX XXXX on XXXX XXXX, XXXX, under the account number ( XXXX ), an XXXX XXXX account opened at XXXX XXXX account on XX/XX/XXXX under the account number ( XXXX ) credit reporting XXXX XXXX opening date XX/XX/XXXX account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Demand for Deletion of Fraudulent Items from XXXX XXXX XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint and to demand immediate deletion of all fraudulent accounts, inquiries, and addresses from my credit reports with Equifax, Experian, and TransUnion under my rights afforded by the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681c-2. 

I am a documented victim of identity theft, and I have submitted the following to each credit bureau : XXXX. A copy of my official FTC Identity Theft Report ( FTC Report Number : XXXX ) XXXX. ID AND SOCIAL SECURITY CARD Despite these submissions, the following fraudulent accounts and information remain on my credit reports : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX XXXX XXXX XXXX {$310.00} Fraudulent Inquiries : 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 never resided at these addresses, nor did I authorize, apply for, or open any of the above accounts or inquiries. Under FCRA XXXX, I am entitled to have all fraudulent information resulting from identity theft blocked and permanently removed from my credit reports within XXXX business days of receiving proper documentation. These credit bureaus have failed to comply with this federal law. 

I demand immediate deletion of the above-listed fraudulent accounts, inquiries, and addresses from my credit reports with all three credit bureaus ( Equifax, Experian, and TransUnion ) in full compliance with FCRA 1681c-2, and request that the CFPB initiate an investigation into this matter. 

Please keep me informed about the status of this complaint. I am seeking full remediation, including permanent removal of the fraudulent items and compliance with all legal obligations under the FCRA. 

Sincerely, 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 2025-03-29 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: Fidelity National Information Services, Inc. (FNIS)
State: SC

Complaint narrative:
In chexsystems, there is a bank account blocking me from obtaining accounts and getting the help I need. I disputed the matter online after obtaining the report. Tried to call several times and got hung up on twice. The report states that I have a {$4100.00} charge off from XXXX XXXX XXXX from XX/XX/year> account number ending in XXXX. This account does not belong to me and either was opened fraudulently or is a mishaps on part of the issuing bank. It needs to be removed from the report immediately with haste so that it doesnt hurt me further. If not taken off I will consult with my congressman, the local news and legal counsel along with my state attorney general, XXXX district attorney and if need be higher! This has caused me great pain and am having to deal with the causes of this on my account. I just need it removed please!

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 2025-03-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Westlake Services, LLC
State: MS

Complaint narrative:
On XX/XX/XXXX, American Car XXXX filed XXXX XXXX XXXX, allowing Westlake Portfolio Management to buy any owed debt. Westlake has been a nightmare and when I, the consumer request any information, it can never be provided. Per the contract I signed with American Car Center XX/XX/XXXX, for any modification to the lease, it must be in writing by both parties. American Car Center selling my information is illegal and I didn't provide any written consents. On XX/XX/XXXX, my XXXX XXXX XXXX  from XXXX XXXX XXXX, 2 days after my XXXX XXXX XXXX  I was never given the opportunity to redeem my vehicle nor was I informed when my XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I do not recognize not nor did I approve of any of these hard inquiries XXXX XXXX XXXX XXXX XXXX which makes them fraudulent These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 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 fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: FL

Complaint narrative:
I do not recognize not nor did I approve of any of these hard inquiries XXXX XXXX XXXX XXXX XXXX which makes them fraudulent These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 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 fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 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: PA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TN

Complaint narrative:
I was contacted by mail from XXXX XXXX XXXX XXXX to collect a debt of {$8600.00} on behalf of XXXX XXXX XXXX. The original creditor was HSBC Bank from an account ending in XXXX from XXXX. The letter offered a reference ID # of XXXX. I know nothing about this debt and believe this is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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:
Im disputing the information in this FTC complaint, as it appears on my credit profile, I would like validation of the debt to prove it belongs to me, XXXX XXXX. If the debt cant be validated, I would like for the debt to be removed from my credit profile. Please note verification is NOT validation.

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 2025-03-29 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 writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNT that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNT from my credit report. 
ACCOUNT : XXXX XXXX XXXX XXXXXXXX

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 2025-03-29 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: NY

Complaint narrative:
I am not liable for this alleged debt with XXXX XXXX, I do not have a contract with XXXX XXXX XXXX XXXX, they did not and can not provide me with the original contract as I requested.

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