vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
On XX/XX/XXXX, I discovered Equifax Inc. was reporting an unverified and inaccurate public record ( bankruptcy ) on my credit report. Despite attempts to resolve this issue directly with XXXX, continues to report the erroneously, and the information remains uncorrected, which detrimentally, and adversely affects my creditworthiness. 


I contacted Equifax Inc. on XX/XX/XXXX, and again on XX/XX/XXXX, unverified and inaccurate public record ( bankruptcy ) on my credit report. Despite explaining that the four digits of my Social Security number on the public record do not verify the accuracy of the public record or its completeness. I explained that at best Equifax Inc. can merely assume verification of the public record obtained from XXXX. Therefore, Equifax Inc. continues and fails to conduct a proper investigation as requested thereby, rejecting the removal of the inaccurate, incomplete, and unverified public record from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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:
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept EdXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 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: MI

Complaint narrative:
I XXXX XXXX, am a victim of identity theft, request removal and deletion of listed accounts on my Transunion and XXXX credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DEPT OF EDUCATION 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 2025-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: CCF Intermediate Holdings LLC
State: AZ

Complaint narrative:
After a detailed phone conversation with an individual at this location, I was told that they could cash my official check. Now, if you know, what an official check is, its like a cashiers check only its the banks money thats guaranteed not the account holders money that is guaranteed. The reason I made the phone call to begin with, was to avoid wasting time and gas for no reason. When I arrived at the check cashing place, presented the check, the employee in trying to verify the check, called the company who issued me the check. She did not say anything or ask any questions and hung up. She then googled the phone number provided and because the area code and prefix were the same as phone number I provided she refused to cash the check stating because theres a scam with that particular phone number. I googled the phone number and showed her that is was not that particular phone number, that only the area code and prefix were the same. She then became rude. Said good luck cashing my check with a sneer. IF she had done her actual due diligence, like she had stated over the phone, she would read the article from 5 years ago in a local paper in which a male claiming to be the local police chief was calling people trying to get personal information. NOT the same phone number NOT a check scam. She did not research the company that issued the check, she did not contact the bank where the official check was issued. She did not run the check through the machine. Since then that person has called all of the other check cashing places in town spreading misinformation about me and telling the other institutions the check is a fraudulent check. This misinformation has adversely affected me and my ability to cash any check. Without actually verifying the check, she has effectively prohibited me from cashing any check and is keeping me from conducting any commerce.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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 XXXXXXXX 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 2025-03-16 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing XXXX  days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX XXXX XXXXXXXX Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of 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.

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 2025-03-16 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: GA

Complaint narrative:
Please reference Complaint ID : XXXX SUBMITTED ON XX/XX/year> PRODUCT Credit reporting or other personal consumer reports ISSUE Improper use of your 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 non-monetary relief
Consumer complaint received 2025-03-16 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: GA

Complaint narrative:
Please reference Complaint ID : XXXX SUBMITTED ON XX/XX/year> PRODUCT Credit reporting or other personal consumer reports ISSUE Improper use of your report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. The following accounts are not accurate : XXXX XXXX Original Creditor XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX A. XXXX I have the right to privacy. XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX XXXX ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. XXXX XXXX XXXX XXXX, XXXX ( a ) ( XXXX ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
ADDRESSES NOT RECOGNIZED XXXX XXXX XXXX XXXX, TX XXXX, XXXX BAR XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX, TX XXXX INQUIRIES NOT RECOGNIZED XXXX/XXXX  XXXX Bank XXXX XXXX XX/XX/XXXX Experian, XXXX XXXX  Mortgage XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion, XXXX XXXX XXXX Credit Unions XX/XX/XXXX XXXX, XXXX XXXX XXXX Credit Unions XX/XX/XXXX Experian, XXXX - XX/XX/XXXX Equifax, XXXX Mortgage Companies - Finance XX/XX/XXXX Experian

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 2025-03-16 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. The following accounts are not accurate : XXXX XXXX Original Creditor XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX A. XXXX I have the right to privacy. XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX XXXX ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. XXXX XXXX XXXX XXXX, XXXX ( a ) ( XXXX ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
ADDRESSES NOT RECOGNIZED XXXX XXXX XXXX XXXX, TX XXXX, XXXX BAR XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX, TX XXXX INQUIRIES NOT RECOGNIZED XXXX/XXXX  XXXX Bank XXXX XXXX XX/XX/XXXX Experian, XXXX XXXX  Mortgage XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion, XXXX XXXX XXXX Credit Unions XX/XX/XXXX XXXX, XXXX XXXX XXXX Credit Unions XX/XX/XXXX Experian, XXXX - XX/XX/XXXX Equifax, XXXX Mortgage Companies - Finance XX/XX/XXXX Experian

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: MO

Complaint narrative:
I bank with SoFi bank on XX/XX/2025 a transaction was made for XXXXXXXX XXXX using cash app from which it was not me at all, I filed a dispute and they denied it, they didnt even investigate the issue or anything, this bank is not right or going by law at all they are denying claims

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: NJ

Complaint narrative:
My account has mass fraud on all accounts and on the Dark web.Under my name, address, social security and passwords. 

Their has been no flow agreeent between creditors and me and nothing has been proven by them. 
They refuse to cancel or XXXX  out my accounts due to fraud or make the accounts showing they have been paid as agreed helping my score get higher. 

I want all accounts removed at once or an constitutional lawyer will be hearing from us soon about what has transpired. 
All creditors will liable for fees associated with frauded accounts as well as penalties and interests and The CFPB will name in these lawsuits very soon if nothing is accomplished soon.

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 2025-03-16 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-03-16 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: OH

Complaint narrative:
Equifax is reporting a XXXX account ending in XXXX on my credit report that account is not mines can you guys ask equifax to remove this account from my credit report ive asked them already but its still visible, your help will be greatly appreciated.Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
TThis information is not mine. I have a twin brother with a similar name ; his name is XXXX. I'm XXXX. They keep reporting all his bad accounts to my file. I sent in a police report, but XXXX is the only credit company that will not take my brother 's information off my file. If this is not resolved, I will take legal actions. This information is not mine. I have a twin brother with a similar name ; his name is XXXX. I'm XXXX. They keep reporting all his bad accounts to my file. I sent in a police report, but XXXX is the only credit company that will not take my brother 's information off my file. If this is not resolved, I will take legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: SUNRISE CREDIT SERVICES, INC
State: PA

Complaint narrative:
In accordance with the fair credit Reporting act Sunrise Credit Services Group, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose. 
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 2025-03-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I have federal student loans serviced by Nelnet and enrolled in the XXXX plan, all of which are in forbearance. Correspondence from Nelnet on XX/XX/XXXX confirms I was placed in forbearance and my interest rate would be set to XXXX XXXX As of XX/XX/XXXX, the loans are still listed as having an interest rate ( see attached loan summary ), and I am still accruing interest ( I can see my balance increasing daily ), in direct violation of this XXXX correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XXXX scammers stole all the monies in my line of credit, in the amount of XXXX. I reported the scam the same day to Wells Fargo, who in XXXX business days issued a fraud investigation report. They said they deemed all monies taken by the scammers to be authorized by me. Within several days of the report, when I checked my line of credit account online, I got a message from Wells Fargo saying I needed to start making payments on the line of credit. The first payment was due XXXX. Not only that, they switched XXXX XXXX  on to make payments without my permission!! 
I do not think I should have to repay XXXX  monies!

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 2025-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: International Computer Systems, Inc.
State: TX

Complaint narrative:
I am disputing a collection account reported by First Collection Services for an alleged debt from XXXX XXXXXXXX XXXX. I have previously disputed this account with the credit bureaus, and it was marked as Dispute resolved, reported by grantor. However, First Collection Services failed to provide proper validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). 

Reasons for My Complaint : Failure to Provide Full Validation : I requested validation of this debt, including proof of my contractual obligation, an itemized statement, and a legal chain of assignment from the original creditor. First Collection Services has not provided this information. 
Inconsistent Reporting Across Bureaus : The Date Last Active is different on XXXX and XXXX, which raises concerns about the accuracy of the reported data. 
Violation of FCRA Verification Standards : The credit bureaus verified this debt, but under FCRA Section 611 ( a ) ( 7 ), I have a right to know how they verified it. First Collection Services has not provided a clear method of verification. 

Potential Re-aging of Debt : If the dates are inaccurate, this debt may have been illegally re-aged to remain on my report longer than allowed. 

Requested Resolution : I am requesting that First Collection Services : Provide full validation of the debt, including original signed agreements and payment history. 
Explain the method of verification used to confirm this debts accuracy. 
Immediately remove this account from my credit report if they can not produce proper validation. 
Please investigate this matter promptly and provide a response. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: SC

Complaint narrative:
On XX/XX/year>, I notice an account on my Experian credit report that I did not open. This account is XXXX money account XXXX. I went to the police dept an filed a report and filed an ftc report. I also contacted XXXX money and told them that this account don't belong to me. They emailed back with tht results thT THIS ACCOUNT DONT BELONG TO ME BECUASE THE ADDRESS AND BANK ACCONT DONT MATCH

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 2025-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: CA

Complaint narrative:
My account was closed by the bank on the XXXX it started the initial process in XXXX. A claim was opened the day after the initial closing begin. The claim is already been paid by the other party in question. US Bank is still saying they have to hold on to my friends until the claim is finalized. Upon speaking with the representative today I learned that the claim is already XXXX has already been taking care of by the third party involved. My funds are being held past the 7 to 10 day closure. Regardless of the fact that the claim is already been resolved. This is caused the financial hardship upon me and my family have reached out multiple times and regards to the closure of the account and to see if there is a way to expedite my funds to another bank account to no avail. I reached out on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and just recently today XX/XX/XXXX. Since the account closure was initiated on their end and the claim has been satisfied I feel that my rights have been violated. Not only did I not get any information about my account closure I was not aware of an account closure until I went to go use the funds on my debit card. I have no access to any funds as of the moment and in behind on rent due to this event. I have several pieces of documentation to provide evidence to this fact please reach out to me as soon as possible at XXXX XXXX or email me thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief