vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-17 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 AM A CONSUMER WITH PROTECTED RIGHTS, SO PLEASE REMOVE ALL OF THESE FAKE, FRAUDULENT, AND INACCURATE ACCOUNTS FROM MY CREDIT REPORT ; if they do not, I will take them to court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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:
I AM A CONSUMER WITH PROTECTED RIGHTS, SO PLEASE REMOVE ALL OF THESE FAKE, FRAUDULENT, AND INACCURATE ACCOUNTS FROM MY CREDIT REPORT ; if they do not, I will take them to court.

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 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have student loans with provider XXXX XXXX. 
XXXX XXXX never sent me any correspondence in writing to my address. 
I was unaware that it was time to start paying my student loans back. 
I know there was some delay due to covid and political decision making. 
I was waiting to get a bill from my loan provider to start paying. That letter never came. 
They were however able to contact credit agencies and crash my credit score by XXXX points. 
As soon as I found out about any past due balance, I quickly paid it and am current in my account. 
I know now that they were sending emails to an email I no longer monitor. 
I would like them to remove their negative reporting to the credit agencies. 
I am sure they are required to send me some type of statement in writing before they destroy my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have student loans with provider XXXX XXXX. 
XXXX XXXX never sent me any correspondence in writing to my address. 
I was unaware that it was time to start paying my student loans back. 
I know there was some delay due to covid and political decision making. 
I was waiting to get a bill from my loan provider to start paying. That letter never came. 
They were however able to contact credit agencies and crash my XXXX XXXX by XXXX points. 
As soon as I found out about any past due balance, I quickly paid it and am current in my account. 
I know now that they were sending emails to an email I no longer monitor. 
I would like them to remove their negative reporting to the credit agencies. 
I am sure they are required to send me some type of statement in writing before they destroy my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have student loans with provider XXXX XXXX. 
XXXX XXXX never sent me any correspondence in writing to my address. 
I was unaware that it was time to start paying my student loans back. 
I know there was some delay due to covid and political decision making. 
I was waiting to get a bill from my loan provider to start paying. That letter never came. 
They were however able to contact credit agencies and crash my XXXX XXXX by XXXX points. 
As soon as I found out about any past due balance, I quickly paid it and am current in my account. 
I know now that they were sending emails to an email I no longer monitor. 
I would like them to remove their negative reporting to the credit agencies. 
I am sure they are required to send me some type of statement in writing before they destroy my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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:
To Whom It May Concern : I am writing to correct my personal information on file with your company. Please update my address to XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/year> I do not wish to have my employer listed on my report. I do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report, as they are not deliverable to me by the XXXX XXXX XXXX, and they are not reportable as per the FCRA, since they are inaccurate. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom It May Concern : I am writing to correct my personal information on file with your company. Please update my address to XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/year> I do not wish to have my employer listed on my report. I do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report, as they are not deliverable to me by the XXXX XXXX XXXX, and they are not reportable as per the FCRA, since they are inaccurate. Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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: FL

Complaint narrative:
Experian is violating my rights by refusing to remove fraudulent information a collection from XXXX XXXX XXXX ( XX/XX/XXXX ) in the amount of {$910.00} and a fraudulent closed account from XXXX XXXX BANK SS ( XX/XX/XXXX ) from my credit report, despite my cease and desist request and submitted FTC report. This noncompliance is a direct violation of XXXX XXXX Code XXXX and XXXX XXXX Code XXXX, and I demand immediate action to rectify this issue. I have no knowledge of these accounts. Per XXXX XXXX XXXX XXXX ( a ) ( XXXX ) & XXXX, I request an immediate cease and desist of any reporting and the prompt removal of these accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I called to pay my debt, they told me somebody brought my collects but they wouldnt tell me who it was or they didnt know

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: EQUIFAX, INC.
State: PA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
This is my XXXX attempt to advise you of your consumer violations against me. Ive reviewed your response in connection with my prior dispute and your response reflects that you will continue to violate my consumer rights by reporting my credit usage and late payments to the XXXX consumer report agencies. This excerpt is from the Fair Credit Reporting Act ( XXXX  ) under XXXX XXXX Code XXXX ( d ) ( XXXX ), which defines exclusions from the term " consumer report. '' Summary of the XXXX : Specifically, under subsection ( A ) ( i ), a report that contains only information about transactions or experiences between the consumer and the person making the report is not considered a " consumer report. '' XXXX attempting to inform you of your violations, so youre able to make the corrections XXXX presenting to you. If you choose to continue your violations, then you are willingly and knowingly breaking the law to bear on my credit worthiness.

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 2025-03-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
XX/XX/XXXX Notified ( 2 weeks notice ) by HSA Bank a change in investments going from XXXX to their internal investment : HSA Invest. 
XX/XX/XXXX a transfer request to move my HSA funds from HSA bank to Lively HSA bank. Cash and XXXX XX/XX/XXXX XXXX transfer completed XX/XX/XXXX called HSA Bank to verify reciept of transfer request for cash account and XXXX account for inkind transer. Verified stock transferred XX/XX/XXXX called HSA Bank to discuss why the cash transfer has not been completed. I was told by HSA bank that there was a block on my account, which after an extremely long hold time was told by HSA Bank that all the paperwork is in place to move cash account to Lively HSA Bank. 
XX/XX/XXXX call HSA Bank to discuss why the cash fund had not been transferred to Lively. Was told that no holds exist on my account. Now told by HSA bank that i need to send an new request for cash transfer. Spoke with supervisor : He stated he would resubmit the fund transfer request and I should expect 48 hours for the funds to transfer

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: NY

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( XXXX  ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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: NY

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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: NY

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in XXXX XXXX XXXX ( XXXX ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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: NJ

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional 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 explanation
Consumer complaint received 2025-03-17 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: NJ

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional 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 explanation
Consumer complaint received 2025-03-17 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 AM A CONSUMER WITH PROTECTED RIGHTS, SO PLEASE REMOVE ALL OF THESE FAKE, FRAUDULENT, AND INACCURATE ACCOUNTS FROM MY CREDIT REPORT ; if they do not, I will take them to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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:
I AM A CONSUMER WITH PROTECTED RIGHTS, SO PLEASE REMOVE ALL OF THESE FAKE, FRAUDULENT, AND INACCURATE ACCOUNTS FROM MY CREDIT REPORT ; if they do not, I will take them to court.

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 2025-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-03-17 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: TN

Complaint narrative:
I was in the process of doing a lease buy out in the end of XX/XX/XXXX. My banking institution who was providing the loan to purchase the lease, sent over a check but did not include additional supporting material needed for the leasing company to be able to deposit the check and close the loan. Subsequently, the check was sent back. I was unaware of the documentation not having been provided or that the check was returned. I only found out the status when I received a letter in XX/XX/XXXX. At which time, I called the leasing company to find out what was going on. At the time of the call I was informed my account was past due. I stated I have received XXXX attempts of a debt or notification of a passed due balance. At this point it had already been 30 days and they said I am risk of it being reported to my credit. They stated they attempted to call. I told them a call is not an adequate attempt of a debt, as I have spam calls filtered and never received the calls. I let them know I never received a letter notify me of my delinquency. I made all necessary payments to get my account current while the banking institution went through the process of issuing an entirely new loan. I did not receive the returned check until XX/XX/XXXX. So they had a check in the amount of over {$22000.00} tying up my credit and I was still making payments on the lease. I called XXXX XXXX on a weekly basis throughout the process to keep them abreast of all timely updates and continued to make payments. In XX/XX/XXXX I discovered they did report me having a late payment to the credit agencies. I called and filed a dispute to have it removed and also requested they provide their documented attempts to collect - as I never received a letter informing me my account was past due. They failed to provide any documentation and they denied my dispute. After the dispute was denied, I called back and asked if I could please have my request escalated and an opportunity to submit a goodwill letter, which documents the facts of the scenario- I was denied a request for escalation and told I could re-file another dispute. This leasing company is in direct violation of the FCRA, as I was never properly noticed of my delinquency and given the opportunity to make my account current in a timely manner. Additionally, they have dismissed all requests and attempts for me to resolve an issue as a consumer who had no missed payments for XXXX years and paid their account in full. The leasing company is 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 explanation
Consumer complaint received 2025-03-17 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:
My name is Incorrect on the Experian Report. I only have one name. My name is XXXX XXXX XXXX. Experian has my name as 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 2025-03-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I sold my vehicle which was financed through credit acceptance and paid off on XX/XX/XXXX. XXXX. I requested my XXXX release be sent to my address and fax for the XXXX attempt as well as the fax number for the title bureau it needs to go to for the couple who purchased my vehicle and credit acceptance has claimed the lien release was approved and sent out twice now since XXXX XXXX XXXX and it has not been received by the title bureau or to my address or fax machine. It is highly unprofessional for them to do conduct business in this matter and is significantly inconveniencing myself and the buyers of my vehicle who currently own an expensive paperweight due to the unprofessional manner credit acceptance conducts business.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have a XXXX on a motorcycle that I bought in XXXX and I just recently started to try and get the title in my name. We contacted Citi Bank mulitple time and each time they sent me to a different number that also didnt work. I bought the XXXX on XX/XX/year> for XXXX. I have tried many time to get the lien release letter from Citi Bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation