vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-10 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: TX

Complaint narrative:
I am writing to formally dispute XXXX or more unauthorized hard inquiries that appear on my credit report. I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: SC

Complaint narrative:
I am writing to formally dispute multiple unauthorized inquiries and accounts that appear on my credit report. I have sent each bureau everything attached to this claim prior to escalating to this step and have received stall tactics saying my identity cant be verified, or an inaccurate item coming back as verified in less than 24 hours which shows first a real person did not investigate but instead an XXXX XXXX  According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete. I have identified accounts and inquiries listed on my credit report that I did not authorize or provide written consent for. I have also included letters addressing each bureau that is reporting these inaccuracies. This is a total breach of privacy and trust when it comes to consumer reporting. 
Accounts : XXXX XXXX : XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX : XXXX Inquiries : 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 non-monetary relief
Consumer complaint received 2025-04-10 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: MI

Complaint narrative:
I declare that the inaccurate late payment remarks on my accounts constitute a violation of 15 USC 1666. I have always made my payments promptly, and any discrepancies in this reporting are both unjust and illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: TX

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-04-11 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: FL

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX 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 2025-04-10 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-04-10 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: CA

Complaint narrative:
RE : FRAUDULENT ACCOUNTS & UNAUTHORIZED INQUIRIES REQUEST FOR IMMEDIATE DELETION UNDER FCRA XXXX & XXXX To Whom It May Concern, I am writing to formally dispute several inaccurate and unauthorized items appearing on my credit report. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), Title 15 USC 1681 et seq., specifically XXXX ( a ) and XXXX, I am requesting the immediate blocking and permanent deletion of the following fraudulent accounts and unauthorized inquiries from my credit file. 
In or around XX/XX/year>, while applying for a mortgage to purchase my first home, I became aware of multiple fraudulent accounts and unauthorized credit inquiries reported across all three major credit bureaus under my name, XXXX XXXX, residing at XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX. 
These accounts were not opened by me and represent clear cases of identity theft : Fraudulent Accounts : XXXX XXXX  ( Account # : XXXX ) Status : Open Reporting Bureaus : TransUnion XXXX XXXX, XXXX XXXX : {$32.00} | High Credit : {$540.00} XXXX ( Account # : XXXX ) Status : Open Reporting Bureaus : TransUnion, XXXX, XXXX XXXX  XXXX : {$840.00} XXXX  ( Account # : XXXX ) Status : Derogatory Reporting Bureaus : TransUnion, XXXX XXXX : {$10000.00} | Past Due : {$10000.00} Applicable Law : Under 15 U.S. Code 1681c-2 ( Section 605B ), you are required to block and remove any information resulting from identity theft within XXXX business days of receiving appropriate proof. 
Enclosed you will find : A copy of my government-issued ID A copy of a recent utility bill showing my current address A signed FTC Identity Theft Affidavit A police report or written statement regarding the identity theft

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 2025-04-10 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: FL

Complaint narrative:
Please promptly block and delete the unauthorized accounts listed on my credit report. I did not authorize or recognize these accounts. As outlined in USC 1681g, I am requesting their removal within XXXX  days. Ive attached the relevant documentation for your review. Also, each credit bureau appears to have conflicting information regarding these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
I took out a second mortgage for my house at XXXX XXXX XXXX XXXX XXXX XXXXThis was with XXXX  XXXX XXXXI had automatic withdraw from a XXXX  XXXX XXXX checking account and they stopped taking the payments out without my authorization.XXXX XXXX XXXXXXXX then put it with a collection agency and it's with XXXX. This is over XXXX and by law should be removed from my credit report. Once again is an example on how XXXX XXXX XXXXXXXX treats their customers.They have violated my constitutional rights under the 5th and the 14th amendments. No person shall be denied the right of life liberty or property without due to.I attempted to get a property Modification for my house at XXXX XXXX XXXX XXXX XXXX XXXX XXXX times and XXXX XXXX XXXXXXXX never responded.Im contacting XXXX to get the information out to the public on how this Bank treats their customers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
I had used cashapp as my back account because they offer a direct deposit feature, after a while of having this account open i started to see unauthorized purchases being made of my account. I contacted support and they suggested i get a new card, no refund for the money was offered, i then got a new card and the unauthorized transactions still continued. I contacted support once again to try and resolve the issue and they again offered me a new card, so i obliged and got the card, no refund offered. the transactions continued to occur and finally i requested a refund of all the funds taken from my account, and i was not given XXXX. Hundreds of dollars were stolen from me and I was not offered even a cent back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: TX

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: CT

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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:
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 non-monetary relief
Consumer complaint received 2025-04-10 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: OneMain Finance Corporation
State: TX

Complaint narrative:
To date, I have not encountered any evidence supporting the validity of this account. Consequently, I am exercising my rights to request its removal from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I was laid off because I was sick. I had a home equity loan that was XXXX dollars. 
The loan got behind for XXXX months. In XX/XX/XXXX, I applied for a hardship loan. 
I have been provided documents to BOA for over XXXX  months, and they are still saying they don't have my documents. I have sent them every thing they asked for. 

I personally feel that because the amount is so low ( XXXX dollars ), they are deliberately stalling so that the amount can build up, and they can take my property. That is their ultimate goal. 

For example, they claim they don't have my household expenses. i gave them my household expenses when I called and applied for the hardship. I am writing you to assist me in this matter. 

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 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am formally submitting this complaint regarding the inaccurate reporting of multiple late payments by Experian. The records currently reflect several late payments that are factually incorrect, as these payments were made on time. Despite this, the erroneous information continues to appear on my credit report, negatively impacting my credit score and financial reputation. This matter requires immediate correction.

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 2025-04-11 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 submitting an FTC report for 3 accounts which were removed prior from my consumer report under FCRA 605B! They have reappeared onto my consumer report without any kind of written notification! I have refiled these accounts through the FTC to once again to be addressed under FCRA 605b! | have sighted FCRA consumer law as well so that these accounts are removed again! I am prepared to file a lawsuit next step as I demand these accounts are immediately blocked removed and will not show back up on my consumer 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 explanation
Consumer complaint received 2025-04-10 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: NC

Complaint narrative:
On XX/XX/year>. 

I submitted a dispute for all of the following below due to " Multiple violations of the Family Educational Rights and Privacy Act ( FERPA ) that have directly impacted my right a financial obligation. Upon a thorough review of my loan 's records, I have identified breaches in the handling of my personally identifiable information ( PII ), as well as procedural failures that have rendered my loan 's invalid. '' DEPT OF EDXXXX : {$3200.00} and {$1800.00}. 
XXXX XXXX XXXX : {$8600.00}. 
XXXX XXXX XXXX : {$780.00} and {$1500.00}. 

Disputes were completed on XX/XX/year> and nothing was done.

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 2025-04-10 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: EQUIFAX, INC.
State: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MO

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
Assistance Needed After Scam Involving Fake Job and Check Deposit Dear Consumer Financial Protection Bureau, Im reaching out to report a fraud situation Ive become a victim of and to ask for your assistance. Im a young woman who was recently scammed by someone posing as an employer on the XXXX website, and the situation has left me without money and potentially at risk due to the personal information I shared. 

On XX/XX/XXXX I received a message on the XXXX  website that I did not get the job from XXXX XXXX XXXX XXXX XXXX. However, within that message it stated that a personal assistant position was available to XXXXne of their team members. Therefore I proceeded to work for this individual we were supposed to schedule a meeting I talked to some of his colleagues I provided my email and phone number and made many little small tasks for him on his behalf then I received a check in the mail where he told me to deposit and withdraw the money in cash. I deposited a check into my account at Wells Fargo for XXXX, on XX/XX/XXXX which I was led to believe was fine. 

Wells Fargo made the funds available to me on XX/XX/XXXX, and I withdrew the full amount that day to follow instructions from the person I believed was my new employer. However, on XX/XX/XXXX, the bank placed a hold on the check and reversed the deposit, leaving my account in the negative. I had no prior balance in my account, and I was never informed that the check hadnt fully cleared. 

What concerns me even more is that I gave this person personal information including my full name, address, and phone number. I now realize this was part of an elaborate scam, and I am extremely worried about how this information could be used. 

Wells Fargos fraud department is currently reviewing the situation, but I wanted to officially report this to document what happened and ask for any help or next steps you can provide. I can share screenshots, communication records, and my full timeline of events. 

I trusted that this was a legitimate opportunity and XXXXm now facing serious financial hardship because of it. Please let me know if I should come in to file a formal report or provide any additional details. 

Thank you so much for your time and assistance. 

Sincerely,

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 2025-04-10 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: MO

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-04-10 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: MI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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