vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-25 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: PA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXX  Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. I want them removed and by law they are to be removed within 4 days. The accounts is listed in my attachments pls read.

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 2025-03-24 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: FL

Complaint narrative:
I am writing to formally report the unauthorized use of my credit by someone without my knowledge or consent. I did not open, approve, or authorize any of the transactions or accounts in question. This misuse of my credit has caused undue harm, and I am requesting immediate action to correct this injustice. 

I have always been responsible with my financial obligations, and this situation is a clear case of fraud. I urge you to investigate this matter promptly and remove all fraudulent accounts and transactions from my record. I am prepared to provide any necessary documentation to support my claim. 

Please take the necessary steps to correct this issue and ensure my credit report accurately reflects my legitimate financial history. I appreciate your swift attention to this matter. 

the following accounts in question : 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 XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX None of these account is known by me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: TX

Complaint narrative:
There as been an inaccuracy on my consumer report, I discovered some account that i do not have anything to do with, this is an improper use of my consumer report, and I will appreciate if this can be investigated and removed with immediate effect. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/year> my account was used to purchase a vehicle. I did not authorize the dealership to contact so many loan providers creating an excessive amount of hard inquiries. 

Also, XXXX XXXX and XXXX send emails advertising a new credit card or auto refinance options available that are guaranteed. The options are not guaranteed and they add another hard inquiry on your account when denied. 

When I bought my car on XX/XX/year> I knew I had to refinance due to my loan issues from my previous car and the interest rate being so high. With the hard inquiries on my account from the new loan purchase I am being denied because of the amount of hard inquiries. Its a vicious cycle. 

As promised, I have made every payment on time, and paid more than the monthly payment owed. But the hard inquiries block the opportunity to refinance now that I have done the repair work. I cant wait 2 years with the current interest rate as high as it is. Im wasting money and time. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: Exeter Finance, LLC.
State: CA

Complaint narrative:
On XX/XX/24 my account was used to purchase a vehicle. I did not authorize the dealership to contact so many loan providers creating an excessive amount of hard inquiries. 

Also, XXXX XXXX and XXXX send emails advertising a new credit card or auto refinance options available that are guaranteed. The options are not guaranteed and they add another hard inquiry on your account when denied. 

When I bought my car on XX/XX/24 I knew I had to refinance due to my loan issues from my previous car and the interest rate being so high. With the hard inquiries on my account from the new loan purchase I am being denied because of the amount of hard inquiries. Its a vicious cycle. 

As promised, I have made every payment on time, and paid more than the monthly payment owed. But the hard inquiries block the opportunity to refinance now that I have done the repair work. I cant wait 2 years with the current interest rate as high as it is. Im wasting money and time. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
Recently, I was made aware of the {$180.00} Million settlement awarded from the {$3.00} Million Forbearance Class Action Lawsuit initiated by the CFPB. 

I contacted Wells Fargo Mortgage in reference to account # XXXX on XX/XX/XXXX at XXXX XXXX. I spoke with XXXX employee # XXXX for XXXX minutes. Proof of call attached. They should have a recorded copy to verify my statement as well. 

My mortgage was paid in full XX/XX/XXXX. I verified my contact information and address for correspondence with XXXX as XXXX XXXX XXXX XXXX XXXX, MI XXXX. He stated. my account has not been audited for remediation ; moreover, that I was not sent communications to file a claim. Prior to my call I tried to verify the status on the court website and Well Fargo has disabled access. Proof attached. 

My forbearance situation did not include the option to roll payments to the end of my mortgage ; furthermore, I refinanced the house to buy out a coborrower ( ex-husband ) in XX/XX/XXXX. Attached, I was required to make all forbearance repayments with interest to complete the transaction. 

It was my understanding Interest was supposed to be waived under Covid 19, which was why I even considered the forbearance in the uncertain time of the Pandemic. In the attached statement, I was required to make {$15000.00} in payments that included Covid interest forbearance payments of {$3700.00}.

After reading the Class Action litigation I was quite surprised I was never contacted regarding a claim, moreover, that XXXX was extremely evasive as to assisting with my inquiry or claim intake. He advised I needed to wait for a letter. As we both know there is a timeline that requires information be submitted. If Wells Fargo is not sending out the required notices to account holders, they are in violation of the Class Action agreement. 

Thank you kindly for you intervention and follow up regarding 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 2025-03-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
I opened a new account on XX/XX/XXXX with the XXXX Credit Card XXXX XXXX XXXX XXXX Photo to access promotional payment plans. 

Unrelated to this report is the awful user experience provided by the company which makes it VERY unclear how much to pay in order to benefit from the promotional payment plan. 

I initially setup an automatic statement balance payment ( also overly complicated ) before I realized that these automatic payments were going to negate my promotional payment plan. 

Once I realized this on XX/XX/XXXX, I called support to figure things out, determined my correct payment, paid it, and canceled my automatic payment which was scheduled for XX/XX/XXXX. 

On XX/XX/XXXX they processed the ( canceled ) automatic statement balance payment anyway. Since I was NOT expecting this payment ( nor did I want to pay that much )- it had been canceled three days earlier- I let the payment fail.

Now I found out they are charging me {$30.00} for a returned check fee. It was returned because they screwed up and ran an automatic payment that was canceled three days beforehand. 

I called them today XX/XX/XXXX and they have refused to refund that payment. I feel taken advantage of and mistreated. 

The only reason any of this happened is because their product is so bad and opaque that it is almost impossible to engage with them without something going wrong. 

The bank should be disciplined and I should get my {$30.00} back because I did nothing wrong.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-25 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: MO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: 1st Franklin Financial Corporation
State: KY

Complaint narrative:
I went by the office and paid in cash on a loan to pay it off. I advised them that I was going to have another lender pay them by check, but then instead took out money and paid it off instead. So if a check comes don't cash it because I would like to pay cash. Paid it got stamped paperwork that day showing paid. Then XXXX months later company is contacting me saying I didn't pay in cash and check they recieved from other lender never paid. I advised them that's because I paid in cash and told you not to cash them check or they would have been paid XXXX. Now they are calling me a XXXX  and said I never paid cash. But I did they even sent me a overpayment refund for paying to much. XXXX XXXX now First Franklin is the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: AZ

Complaint narrative:
My personal information was exposed in a data breach. These accounts do not belong to me. 
XXXX XXXX Acct # XXXX, Bal- {$1900.00}, XXXX XXXX- Acct # : XXXX, Bal- {$2300.00}, XXXXXXXX XXXX XXXX- Acct # XXXX, Bal- {$2400.00}, XXXX XXXX XXXX- Acct # XXXX, Bal- {$9700.00}, XXXX XXXX XXXX-Acct # : XXXX, Bal- {$500.00}, 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 2025-03-24 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: IL

Complaint narrative:
A dispute of XXXX account was filed and approved for removal but has not been removed. The account was added to the Credit again as a new accounts

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 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
A dispute of XXXX account was filed and approved for removal but has not been removed. The account was added to the Credit again as a new accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX Acct XXXX XXXX & XXXX Acct # XXXX Late payments were disputed so many times and told they investigated the next day or less than XXXX days for months been disputing XXXX to XXXX for : XXXX ( late payments for XX/XX/XXXX & XX/XX/XXXX ) XXXX : ( XXXX late payments for XX/XX/XXXX, XXXX XXXX, & XXXX & XX/XX/XXXX. 

Failure to correct the error, they are violating XXXX XXXX. XXXX and the FCRA. Remove and delete all late payments on credit reports with Equifax and XXXX immediately. Provide me with a paper copy of the updated report by mail and update online.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: FL

Complaint narrative:
Complaint Against Experian FCRA 605B Identity Theft Block Denial To Whom It May Concern : I am filing this complaint against Experian, which has refused to block fraudulent information from my credit report, in direct violation of the Fair Credit Reporting Act, 605B ( 15 U.S.C. 1681c-2 ). 

Despite submitting : A valid identity theft report from the XXXX XXXX XXXX XXXX XXXX ( Case # XXXX ), My government-issued identification, Proof of address ( XXXX bank XXXX and IRS 1095-A form ), A full written statement identifying the fraudulent accounts and confirming I did not authorize them, Experian denied my request based on the false claim that the identity theft report was submitted electronically and missing a badge number. This is incorrect. The report clearly lists : Deputy XXXX XXXX # XXXX Official PBSO documentation confirming my complaint I have submitted everything required under FCRA 605B, which does not require a badge number when the report originates from a local law enforcement agency and includes a valid case number. XXXX continued refusal to comply has caused serious harm to my credit and peace of mind.

I therefore request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the Experian credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within four ( 4 ) business days of receiving this complaint.

Please send all written confirmation or follow-up regarding this CFPB complaint to me via email at : XXXX Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2025-03-24 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to send money to another person
Company: Block, Inc.
State: WA

Complaint narrative:
I was trying to recieve money on my cashapp account and it worked a couple of times and I was transferring money off another account to my cash app so that I can add money into my cash app account so i can withdrawl from it when needed or pay someone or recieve money if needed and use my account like im.supposed to be able to use it. It's main purpose. This was XX/XX/year>XXXX  when they closed it and I didn't realize they closed it then and I tried to get money sent to me yesterday on XX/XX/year>XXXX  and it wouldn't work amd kept saying i went against there policy and won't tell me what I did wrong. Closed my account. I tried contacting support they said that my account has been closed due to me doing things against there policy and they don't know exactly what I did wrong and to contact support and that's where I was. So now I'm here

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: DE

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response. Below are the details of my complaint : XXXX. Charged-Off Account or Collection Account Creditor/Collection Agency Name : XXXX XXXX XXXX Account Number : XXXX Issue : This account was charged off/placed in collections without proper notification or validation of the debt. 

I requested validation of the debt per my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), but the creditor/collection agency failed to provide sufficient documentation. 

The reported balance and payment history contain inaccuracies that I have disputed with the credit bureaus, yet the creditor refuses to correct or remove the erroneous data. 

The account was sold to a third-party collector, yet it remains listed under the original creditor, creating duplicate reporting and unfair harm to my credit profile. 

I am requesting the immediate deletion of this inaccurate and unverifiable account from my credit report or proper documentation proving its validity. 

XXXX. Unauthorized/Incorrect Hard Inquiry Company That Performed Inquiry : XXXX Date of Inquiry : XX/XX/year> Issue : I did not authorize this company to pull my credit. 

No written consent or permissible purpose exists for this hard inquiry, which is a violation of the FCRA ( XXXX XXXX. XXXX ). 

Despite my dispute, the credit bureaus and the creditor have refused to remove the unauthorized inquiry. 

I am requesting the immediate removal of this hard inquiry from my credit report, as it was made without my authorization.

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 2025-03-24 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

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

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I dont this company I never agreed to pay them any amount. I never agreed to any terms with them.

Company response to consumer: Closed with explanation