vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently obtained a copy of my Experian, Equifax, and Transunion Creit report and found multiple inaccuracies on the Auto Loans or Leases with XXXX XXXX XXXX XXXX. Starting with 1. Payment history- Its stated that my original balance {$21000.00}. Starting with XX/XX/XXXX as first balance showing on report as {$20000.00}, then paid {$410.00} in XX/XX/XXXX leaving a balance {$19000.00} missed XX/XX/XXXX and XX/XX/XXXX payment balance is still {$19000.00}. XX/XX/XXXX paid {$410.00} but balance now shows amount of {$22000.00}. Explain how my balance increases {$2800.00} when it should be decreasing to {$19000.00}. 
2. Paid on date : Dates do not match my bank records XXXX. Payment amounts : Amounts do not match my bank statement. Example it shows I made a payment of {$1000.00} on XXXX. XXXX, XXXX when the correct amount was {$1000.00} on XXXX, XXXX 4. Last payment date : is incorrect, last payment I made was XX/XX/XXXX not XX/XX/XXXX. 
5. Multiple monthly payment amounts on a fixed loan : XXXX XXXX XXXX Payment amount {$410.00}, XXXX XXXX XX/XX/XXXX payment amounts {$670.00}. 6. Account being reported as CO for the past 7 months further extending my statute of limitations 8. Was not notified of Reposesion 9. Wasnt notified to get personal items 10. Wasnt notified of auctioning off of car 11.wasnt notified of debt owed

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 2025-03-12 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:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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 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 XXXX : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

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 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
MY PERSONAL INFORMATION WAS INVOLVED IN BOTH EQUIFAX AND NPD DATA BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I originally had my student loans with fed loan servicing and was paying approx {$160.00} a month then COVID happened and I was told not to pay because I was laid off and that no interest would be accrued. I have given you my account information for nelnet because that is who I am currently with.My loans were transferred to Nelnet and I was put on IDR PLAN. Was told interest would not accrue and not to pay extra because it would stop my loans from being canceled. Was also told interest would not accrue. Made approximately XXXX phone calls between fed loan and nelnet and was told EVERY SINGLE TIME that no interest would accrue. Called again today XX/XX/year> and was told that my payment could go up to {$300.00} or more due to accrued interest and because of new president. I am absolutely enraged with the fact that over the past XXXX years I was told EVERY SINGLE TIME BY EVERY SINGLE REPRESENTATIVE that interest is not accruing. I am now considering an attorney if this issue of interest is not fixed ASAP.. I gave you nelnet account information because that is the company fed loan transferred me too and who I have communicated with recently. However, the majority of my phone calls were with XXXX XXXX. I cant remember my account information with them. When this all began my PREVIOUS address was XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. Currently it is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I had to move three times since COVID. I will get a lawyer if this issue of not resolved. I am seriously asking for your assistance please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: IN

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-12 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: IN

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/year>, I forwarded {$400.00} via XXXX to a supposed delivery company claiming the name " Rush Delivery Experts. '' The website for this delivery company that appeared to be valid was : https XXXX XXXX The delivery company was supposed to deliver two miniature dachshunds that I had adopted from an individual who also turned out to be a fraud. I used XXXX for the adoption fee and that money was refunded to me. 

For the {$400.00} XXXX payment, I was instructed by the delivery company to use the following information : Phone Number : XXXX Name : XXXX XXXX When I entered this number to make the {$400.00} XXXX payment, XXXX showed the name : XXXX XXXX, which was the name of the person I was told had charged the adoption fee for the pets. I was also asked by XXXX if the recipient was a person or a company. As instructed by the delivery company, I entered in XXXX that the recipient was a company. 

Within two to three hours of making the {$400.00} XXXX payment, I realized that I had been defrauded and immediately called the Bank of America on XX/XX/year>, to report the fraud and request that the recipient be investigated and my money returned. The Bank of America representative said my request would be investigated and decided upon within 90 days. On XX/XX/year>, I received the attached document from the Bank of America saying " We've completed our evaluation and are unable to approve your claim. '' I did block my name on this attachment since the instructions say not to include personal information. 

I also have XXXX pages of text exchanges with deliverer fraudster that I would be pleased to send to you if you beleive that would 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 2025-03-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, I called Wells Fargo Mortgage department for a pay off amount.and requested it to be transferred out from my Wells Fargo Savings account. On XX/XX/XXXX, I checked my online account and found that the paid off amount was actually wrong and I overpaid {$33000.00}. I immediately called Wells Fargo and demanded refund. I was told that it would take the cash department XXXX business days to process the payoff and then mail the refund check. I asked them to expedite my case as Wells Fargo made a mistake and should try to make my financial loss less ( not able to use the fund & earn interest ). I was offered ACH debit instead of a check as I would receive the refund sooner. On XX/XX/XXXX, I got a call from XXXX, assistant to XXXX a manager at the mortgage department that I should expect my ACH deposit on XXXX XXXXXX/XX/XXXX. When I checked the fund was not deposited as promised, I called XXXX who said the loan was paid off and I should get the ACH deposit on XX/XX/XXXX. On XX/XX/XXXX, I still did not get the refund and called XXXX who now said that I would get my ACH on XX/XX/XXXX. The bank had mistake of calculating my payoff amount, then told me to expect my refund and kept on postponing it.

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 2025-03-12 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
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 explanation
Consumer complaint received 2025-03-12 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: IL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-03-12 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 Account Number : XXXX Attn XXXX XXXX XXXX XXXX  **NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT** I have received a presentment from an agent on your behalf regarding a legal Action. I am hereby requesting in good faith a copy of the required documents that you filed by law pursuant to the Consumer Credit Fairness Act, that substantiates your claim on the matter. Specifically, I am requesting documentation related to the account listed as XXXX, Account Number : XXXX, which is reported as transferred and charged-off as of XX/XX/XXXX, with remarks indicating " Transferred to Another Lender ; Paid in Full/Was a Charge Off, '' closed on XX/XX/XXXX, and estimated for removal from my credit report by XX/XX/XXXX. 

Send copies of the following : The complaint filed by the creditors attorney to commence an action based on a consumer credit transaction will need to have attached to it : i ) copy of the underlying contract/loan agreement or the charge-off statement if a cause of action is based on a defaulted credit card, ii ) provide the last four digits of the account number, iii ) the date and amount of last payment, iv ) the name of the original creditor, and v ) an itemization of the amount claimed to be due broken down into principal, finance charges, fees, and costs.

Requesting My Additional notice that was sent to the clerk : For any action based on a consumer credit transaction, after an action has been commenced and service effected, an additional notice in XXXX and XXXX must be prepared by the creditors attorney and sent to the clerk of the court with a postage-paid envelope addressed to the consumer at the address where the summons and complaint were served. 

Yours Truly, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I recently reviewed my credit report and noticed that my personal information is incorrect, which has been causing issues with my credit applications. This has been incredibly frustrating, as these errors are preventing me from moving forward financially.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Tower Loan of Mississippi, Inc.
State: MS

Complaint narrative:
A man showed up to my house and approached my daughter, telling her that she needed to call me and tell me to pay my debt. And then approached my brother next-door and told him that I put this house up for in a loan, which is not my house saying I used big screen TVs, and some other stuff in the loan, which is a lie he never showed any ID or gave his name and was very rude. This is tower loan in XXXX XXXX XXXX They also called from several different numbers every day and send text messages from XXXX different number numbers and they call from XXXX different numbers.

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 2025-03-12 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: FL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-03-12 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: FL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: NJ

Complaint narrative:
I've informed XXXX XXXX that i have never had a XXXX phone or provider. 
They told me to reach out to you guys and let you all that it's has been some type of fraud. Also, the amount was {$570.00} and the XXXX account # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: TX

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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