vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-24 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:
In the past 4 months there has been 3 hard credit inquiries conducted using my personal information and SSN, which I did not request. Additionally, there was a credit card account opened under my name for XXXX XXXX  XXXX, there is now an outstanding balance remaining due to the fact that I did not open it. All of this has significantly affected my credit score. I have filed a dispute for two of the hard inquiries and for the credit card account on Equifax and TransUnion. When I tried logging on to XXXX to file for the XXXX 's hard inquiry I noticed my log-in information had been modified. After trying to get access to my XXXX  account I was given the email and address that I provided on this report and I believe are being used to access my XXXX  account. It is evident that someone is using my personal information to request hard credit inquiries and open credit card accounts on my behalf. After submitting my dispute, the results from TransUnion and Equifax came back as accurate. I want to reiterate that I did not request these hard credit inquires nor did I open a credit account with XXXX XXXX  XXXX. Furthermore, I want to emphasize that the XXXX account was opened on XX/XX/XXXX and then closed two days later on XX/XX/XXXX with a remaining balance of {$190.00}, but since then the amount has increased to {$240.00} as of XX/XX/XXXX. My credit score has gone down significantly due to this, therefore I am kindly requesting that TransUnion investigates this again and removes this account from my credit history. I have also activated a fraud alert with the credit bureaus since my social security seems to be at risk. I would appreciate any further communication and assistance with this situation. 

It is important to mention that I was a victim of burglary of vehicle in XXXX. Inside where some of my tax documents which contained personal information such as my social security number, full name, date of birth and full address. This incident took place on XX/XX/XXXX and I have attached a police report. The police report is under my wife 's name, XXXX XXXX. On the police report you can also find my previous address and details of what was taken. This is why I strongly believe that my social security number and other information was used to open the XXXX XXXX XXXX  XXXX credit line. I have also attached my Identity Theft Report that I filed on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
The following personal information is reporting incorrectly on my credit report : Name : The correct spelling of my name XXXX XXXX Current Address : My correct current address is : XXXX XXXX XXXXXXXX XXXX # XXXX XXXXXXXX XXXX XXXX Previous Address : The following previous addresses are wrong : Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX - The following personal information is incorrect- The personal data reporting is inaccurate.

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 2025-02-23 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 spoke to an agent at Equifax regarding inquiries I did not recognize and asked for them to be removed but they are still showing on my credit report regarding XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am a victim of identity theft and data breach and would like to have all XXXX of these inquiries removed from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
To Whom It May Concern at the CFPB and Credit Bureaus, I am writing to formally dispute 3 fraudulent accounts on my credit report related to identity theft. These accounts, which appear under the names XXXX XXXX, were established without my knowledge or consent and do not represent legitimate financial obligations of mine. The fraudulent entries have severely impacted my credit accounts and financial standing, preventing me from obtaining legitimate credit. Details of Disputed Accounts : XXXX XXXX XXXX XXXXXXXX ( Closed ) Amount : { {$1200.00} } ( They also keep adding late payments which should not be possible if the account is closed. XXXX XXXX XXXX BANK : Charged-Off for {$5500.00} account number XXXX. XXXX XXXX is trying to collect {$10000.00} under the account number XXXX. Reason for Dispute is Fraudulent account due to identity theft. : Fraudulent account due to identity theft. As a victim of identity theft, I am protected under several federal laws, and I request that all entries be removed from my credit report. Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) This law provides the right to dispute inaccurate or incomplete information on credit reports. Since these accounts are fraudulent, they must be removed to maintain the accuracy of my report. Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 ) This law protects consumers from fraudulent debt collection practices. As these accounts were not authorized by me, any collection efforts violate the CFPB and should cease immediately. I submitted several fraud reports to XXXX XXXX XXXX BANK for stolen credit/debit cards and they closed them without fixing this and then proceeded to add the debt to my report. I have called experian, procollect, XXXX and XXXXXXXX XXXX  They all continue to transfer me to other departments, they don't provide proof of debt or anything signed and I have also sent all XXXX of them letters for debt validation that they have refused to respond to. I respectfully request that the FDIC and the credit bureaus take immediate action to investigate and remove these fraudulent accounts from my credit report to reflect my true financial standing. Thank you for your attention to this matter. I look forward to receiving confirmation of the removal of these entries.

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 2025-02-24 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 do not recognize this address and please remove it from my credit report : XXXX XXXX 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 2025-02-23 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 formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ).

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : Cushman v. TransUnion Corp. ( 1997 ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers.

Ramirez v. TransUnion LLC ( 2021 ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA.

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

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 non-monetary relief
Consumer complaint received 2025-02-23 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: ID

Complaint narrative:
I am writing to formally dispute the claim referenced as regarding civil liability for negligence and non-compliance. Upon reviewing the details of this matter, I believe that the claim is either unfounded or does not accurately represent the facts and legal obligations in question. 

The basis for my dispute includes the following points : Lack of Negligence The allegations fail to provide sufficient evidence demonstrating that I engaged in negligent actions that directly resulted in damages or harm. 

Non-Compliance Allegations There is no verifiable proof that I failed to adhere to legal or regulatory requirements as claimed. 

Inaccuracies in the Claim The details outlined in the claim contain factual errors, omissions, or misrepresentations that mischaracterize the situation.

Failure to Follow Due Process Proper procedures and notifications were not followed, which may render the claim invalid or unenforceable.

Unauthorized Use of Credit Report I have recently discovered that my credit report was used on the dark web, which raises serious concerns about potential identity theft and fraudulent activity. As a result, I request that my report be cleared of any fraudulent activity and my credit score be restored to its proper standing.

Given the above points, I respectfully request that this claim be reviewed and either amended, dismissed, or resolved in a manner that aligns with factual and legal accuracy. If necessary, I am open to further discussion and providing any additional documentation that supports my position.

Please confirm receipt of this letter and provide a formal response within [ 14-30 days ] from the date of this letter. If this matter is not resolved amicably, I may seek legal counsel or pursue alternative dispute resolution options.

I appreciate your prompt attention to this matter. Please direct any correspondence to me at the contact information listed above. 

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 explanation
Consumer complaint received 2025-02-24 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:
I am writing to notify you of my status as a victim of the recent data breach, after which I became aware of fraudulent accounts and activities appearing on my credit report. Under the Fair Credit Reporting Act, specifically 15 USC 1681c-2 ( a ), I request that you block and delete any information related to the unauthorized accounts listed. 

1. XXXX XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XX/XX/year> XXXX. XXXX XXXX XXXX XX/XX/year>

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 2025-02-24 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: GA

Complaint narrative:
I am writing to notify you of my status as a victim of the recent data breach, after which I became aware of fraudulent accounts and activities appearing on my credit report. Under the Fair Credit Reporting Act, specifically 15 USC 1681c-2 ( a ), I request that you block and delete any information related to the unauthorized accounts listed. 

1. XXXX XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XX/XX/year> XXXX. XXXX XXXX XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: FL

Complaint narrative:
I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. 
These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 
XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
The original loan from XXXX XXXX was transferred to shell point. Both companies are still reporting open loans, with different amounts. late payment of 6 months 30 days with XXXX XXXX with no foreclosure intent. I received escrow account which would typically suggest no late payments or deferred payments due per their policy. 

loan was transferred to shell point in XXXX, payments were made to XXXX for XXXX and XXXX, funds were never transferred over I have receipts and have sent copies that was made at XXXX XXXX XXXXXXXX XXXX Three checks were made with principle only one in XXXX. Which was held in suspense account instead of paying off account of XXXX credit reports show balances and late payments with different amounts. Shell point made me pay additional XXXX with no explanation. I would like for accounts to be corrected with late payments and paid in full to reflect

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 2025-02-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX, Amex charged my card {$1400.00} for a booking at a hotel. The vendor for this charge was Amex itself, via XXXX XXXXXXXX. When I got to the hotel, they had a much cheaper room available, so I booked that room directly with the hotel and the hotel contacted Amex to cancel the charge via Amex travel. I realized the amount was still on my card after my statement was issued and I opened a dispute. Amex resolved the dispute against me, even though I paid for the direct hotel stay with my Amex and they had a record of that. It's insane that Amex is even allow to resolve disputes where it is both the credit card company and the vendor. I called Amex and they agreed to remove the charge. Here we are XXXX calls later, and then amount is still on my account. This company is either actively scamming me or totally incompetent and I'm not sure which is worse. And this is with the " premium '' service that comes with a XXXXXXXX XXXX  - imagine what consumers who don't have these " perks '' are experiencing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
On Sunday, XX/XX/year>, I received a series of emails from Wells Fargo that I had changed my password & contact information with them which I did not actually do. I immediately called them and told them that I did not initiate that change. I realized that accounts had been opened in my name when they asked which account I was calling about ( checking or savings ) neither of which I have with Wells Fargo. I informed them that I also received a phone call from XXXX XXXX XXXXXXXX on Friday about someone trying to open checking and saving accounts with them. Wells Fargo told me that they had closed the accounts but could not provide me with the date that they'd been opened or any account information. I was informed that no transactions had yet been processed on the account. Since it is the weekend, I will not receive communications from the fraud department until tomorrow ( Monday ). They would not allow me to change my email address back to the correct one without the account information.

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 2025-02-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Servicer under contract with Federal Student Aid
State: SC

Complaint narrative:
My personal and financial information wag compromised without my authorization.

the Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information. Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and disch my student loan debt in full.

Company response to consumer: Untimely response
Consumer complaint received 2025-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
My son needed to borrow {$50.00} for an emergency I sent him the funds via XXXX  After him not receive the funds after about 15 minutes I checked and discovered XXXX  took my {$50.00} and applied it to a disputed alleged balance due them. I attempted to recall the funds and file a dispute I was blocked from doing so. 
This to me is theft of my money. If they are actually due the amounts due ( and not just them saying they're owed the money ) they should be required to inform the sender these funds maybe impounded and not sent to the person they were sent to. This is tantamount to legal theft. I'm a retired XXXX  on only SS and {$50.00} is a lot of money to have stolen from me when I can least afford it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: NJ

Complaint narrative:
I disputed an incaccurate collection entry on my credit report with TrueAccord on XXXX requesting validation under FCRA and FDCPA. I received only a tracking label on XX/XX/ with no documentation or verification, failing to meet legal requirements. I demand full documentation and compliance, and I'm including this complaint with my follow-up letter.

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 2025-02-23 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: AL

Complaint narrative:
I have never signed or entered any agreement with XXXX XXXX XXXX. Please delete this inaccurate information from my Credit Report immediately.

Company response to consumer: Closed with non-monetary relief