vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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: AR

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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:
I have disputed many times but no results. They just said everything was verified but no other information offered

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 2025-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Debit card was stolen and money was taken out of my account unauthorized

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: SC

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 


CLOSED NEGATIVE ACCOUNTS : XXXX XXXX  # XXXX XX/XX/XXXX -- {$0.00} XXXX XX/XX/XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$620.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XX/XX/XXXX XXXX # XXXX XX/XX/XXXX -- {$1600.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$5300.00} XXXX XX/XX/XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$4500.00} XXXX XX/XX/XXXX XXXX # XXXX XX/XX/XXXX -- {$1100.00} XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$740.00} XXXX XX/XX/XXXX XXXX # XXXX XX/XX/XXXX -- {$95.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$3900.00} XXXX  XXXX XXXX # XXXX XX/XX/XXXX XXXX {$1000.00} XXXX XX/XX/XXXX XXXX  # XX/XX/XXXX -- {$600.00} XXXX XX/XX/XXXX XXXX  XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$2800.00} XXXX XX/XX/XXXX XXXX XXXX  # XXXX XX/XX/XXXX -- {$8000.00} XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$3900.00} XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$95.00} XXXX XXXX XXXX XXXX XXXX  : XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX OF XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX TransUnion DEPT OF ED XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax

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 2025-05-05 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: SC

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 


CLOSED NEGATIVE ACCOUNTS : XXXX XXXX  # XXXX XX/XX/XXXX -- {$0.00} XXXX XX/XX/XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$620.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XX/XX/XXXX XXXX # XXXX XX/XX/XXXX -- {$1600.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$5300.00} XXXX XX/XX/XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$4500.00} XXXX XX/XX/XXXX XXXX # XXXX XX/XX/XXXX -- {$1100.00} XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$740.00} XXXX XX/XX/XXXX XXXX # XXXX XX/XX/XXXX -- {$95.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$3900.00} XXXX  XXXX XXXX # XXXX XX/XX/XXXX XXXX {$1000.00} XXXX XX/XX/XXXX XXXX  # XX/XX/XXXX -- {$600.00} XXXX XX/XX/XXXX XXXX  XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$2800.00} XXXX XX/XX/XXXX XXXX XXXX  # XXXX XX/XX/XXXX -- {$8000.00} XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$3900.00} XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$95.00} XXXX XXXX XXXX XXXX XXXX  : XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX OF XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX TransUnion DEPT OF ED XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax

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 2025-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CLGF Holdco 1, LLC
State: MO

Complaint narrative:
I XXXX in XXXX contacted the credit card company who said XXXX is not a hardship even though my income decreased.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: CA

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. Equifax and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$16000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$16000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Company Wells Fargo Auto is direct violation of my consumer rights. Company issued a 1099C as a profit loss charge off form to IRS in 2021 for this account. This was reporting as a debt cancellation and income to consumer. Although company has cancelled to the debt they knowingly continued to violate FCRA and consumer rights by modifying information to continue illegal reporting. this a violation of 15 U.S.C 1692 ( c ) .This is fraud.

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 2025-05-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX requested that Transunion, XXXX XXXX XXXX do a proper investigation of this account also requesting information of validation of this account to include the original contract with my wet signature and also the assignment contract never received any response sent another request on XX/XX/XXXX and have not yet received anything I requested

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 2025-05-05 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:
I am filing this FTC Identity Theft Affidavit to report ( XXXX ) fraudulent accounts appearing on my consumer FICO credit report which I do not recognize and which are the result of identity theft and fraud. These fraudulent accounts include a credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX, a collection account at XXXX XXXX XXXX dated XX/XX/XXXX, and an auto loan account at XXXX XXXX XXXX opened on XX/XX/XXXX. These unauthorized accounts have led to several fraudulent hard inquiries and collections being reported on my credit profile. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I demand the immediate removal of all the above-mentioned fraudulent accounts and any related inquiries or collection activities from each of my consumer credit reports. I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the Credit Bureau credit reporting agency block all of the accounts, collections, hard inquiries, and charge-offs identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that you manually process my 605B deletion request and block all fraudulent inquiries from my credit report immediately, as per FCRA 605B. This includes following the law, which does not require further validation from creditors once proper identity theft documentation has been submitted. Investigation Under FCRA 611, 1 request an investigation of the fraudulent items on my credit report, including providing detailed sources of information relied upon for their verification including communication with the FTC. All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: CA

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report ( XXXX ) fraudulent accounts appearing on my consumer FICO credit report which I do not recognize and which are the result of identity theft and fraud. These fraudulent accounts include a credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX, a collection account at XXXX XXXX XXXX dated XX/XX/XXXX, and an auto loan account at XXXX XXXX XXXX opened on XX/XX/XXXX. These unauthorized accounts have led to several fraudulent hard inquiries and collections being reported on my credit profile. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I demand the immediate removal of all the above-mentioned fraudulent accounts and any related inquiries or collection activities from each of my consumer credit reports. I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the Credit Bureau credit reporting agency block all of the accounts, collections, hard inquiries, and charge-offs identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that you manually process my 605B deletion request and block all fraudulent inquiries from my credit report immediately, as per FCRA 605B. This includes following the law, which does not require further validation from creditors once proper identity theft documentation has been submitted. Investigation Under FCRA 611, 1 request an investigation of the fraudulent items on my credit report, including providing detailed sources of information relied upon for their verification including communication with the FTC. All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-05-04 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: CA

Complaint narrative:
I disputed a charge-off account with Experian on XX/XX/XXXX specifically a XXXXXXXX XXXX account opened on XX/XX/XXXX with a balance of {$1900.00}. 

However, Experian incorrectly initiated a dispute on a different XXXX account from XXXX that is in good standing, and completely ignored the correct account. 

The actual charge-off account includes repeated CO ( charge-off ) codes well into XXXX, even though the charge-off occurred in XXXX. This is duplicate derogatory reporting and violates FCRA 623. The payment history is inconsistent, theres no record of collection attempts, and the status is misleading. 

I requested investigation and verification of this account, but received no information or results. Experians failure to investigate the correct account and provide verification violates FCRA 611.

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 2025-05-05 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Struggling to pay mortgage — Foreclosure
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: NC

Complaint narrative:
Received papers. On starting Foreclosure preceedors. I have asked for a loan modification, twice with my fiance income. Still said not enough income. 
Loan was with my x XXXX  and my income. I had XXXX and XXXX left home. Never help pay on mortgage. 
They even sent back partial payments and it clearly states in mortgage contact that I could pay partial payments. Then made me start mailing a certified check which made more interest for them. They have completely not tried to help me stay in my home. Amounts don't add up. Always different stories of why amount is this or that. Please help me. I believe they are crooked. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: FL

Complaint narrative:
To the Consumer Financial Protection Bureau, This is a supplemental filing to Complaint ID XXXX, originally submitted on XX/XX/year>, regarding Equifax Information Services , LLCs continued and willful violations of the Fair Credit Reporting Act ( FCRA ). I am submitting additional evidence of noncompliance and reiterating my request for enforcement action. 

On XX/XX/year>, I received Equifaxs Dispute Results letter in response to my ongoing disputes involving tradelines reported by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). This response follows my certified Method of Verification ( MOV ) request sent on XX/XX/year>, and delivered on XX/XX/year> via XXXX ( Tracking # XXXX ). 

Despite the legal requirements of 15 U.S.C. 1681i ( a ) ( 7 ), this letter failed to : * Identify the name, address, or phone number of the entity contacted during the reinvestigation; * Provide a description of the procedure used to verify the accuracy of the disputed tradelines ; * Include any supporting documentation relied upon by Equifax to verify the accounts. 

Instead, Equifax simply restated that the accounts were verified as accurate or meets the requirements of the FCRA, which does not fulfill their statutory obligations. This is further supported by Equifaxs stall letter dated XX/XX/year>, which also failed to acknowledge or respond to the MOV request. 

These actions constitute violations of : 15 U.S.C. 1681i ( a ) ( 7 ) Failure to provide method of verification upon consumer request ; 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) Failure to provide furnisher contact information ; 15 U.S.C. 1681e ( b ) Continuing to report inaccurate or unverifiable data without ensuring maximum possible accuracy ; 15 U.S.C. 1681n and 1681o Willful and/or negligent noncompliance with the FCRA. 

As of this filing, Equifax has not responded to the XX/XX/XXXX MOV request, has continued to report derogatory tradelines without explanation, and has failed to provide any lawful justification for its actions. These accounts remain on my report and continue to cause ongoing financial harm, including credit denials and a score drop to XXXX as of XX/XX/year>.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Cornerstone Holdings, Inc.
State: AK

Complaint narrative:
Our children attended XXXX XXXX  since XX/XX/XXXX and XX/XX/XXXX respectively. On XX/XX/XXXX, we received an email notification that Bright Beginnings, XXXX XXXX XXXX would be closing on XX/XX/XXXX. Our daughters last day at XXXX XXXX was XX/XX/XXXX. While enrolled, our tuition was paid by direct debit from our bank account. We had NO IDEA that there was an unpaid balance until we received an email from XXXX XXXX almost XXXX YEAR later ( XX/XX/XXXX ) informing us that we had a balance of {$3500.00}. 
We immediately called XXXX XXXX  and asked for an explanation. The person we spoke with said they would take a message because the billing person was not in at the time. We never got a call back or received any other information from XXXX XXXX. We assumed the error was corrected and left it alone. 

Therefore, we were shocked to receive a phone call from Cornerstone Credit Services in XX/XX/XXXX informing us that we owed {$3500.00} for an unpaid bill from XXXX XXXX! 
I attempted to resolve this error with different members of XXXX XXXX by phone and visiting the center in person however, no one was able to provide any meaningful assistance for this critical issue. They were not able to provide copies of unpaid bills, statements or invoices of any kind. And we were told that the person who handled billing had either left for the day or was unavailable. We attempted to speak to someone in billing/accounting by phone, but did not receive a return call. On our last visit to XXXX XXXX, we were told by the Director that we were not to contact anyone from their business again as they sold our debt to the collector and if we were to enter their building again they would the police. 

We have bank statements showing processed payment ( s ) up to and including XX/XX/XXXX, ( XX/XX/XXXX, direct debit of {$340.00} ) but no processed payments in XXXX of XXXX. We were never informed that the direct debit payments would be or had been discontinued. 

We have requested an itemized billing statement from the Collector but they only provided us with an attendance report and a grand total for the months of XXXX and XXXX. No payment history nor any billing dates. They did not provide any proof that we did pay in XXXX or any details on what was due when and how much.

Company response to consumer: Closed with explanation