vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to file a formal complaint against Experian for reporting inaccurate and fraudulent debt information on my credit report without proper verification, in violation of the Fair Credit Reporting Act ( FCRA ). 

Experian has reported a debt from XXXX XXXX that I do not owe, and XXXX XXXX has not provided any documentation or proof to substantiate the validity of this alleged debt. Additionally, I have not been contacted by XXXX XXXX prior to this debt appearing on my credit report, as required by law. 

I have resided in XXXX XXXX, California, for the past six years and have spent the last year and a half out of the country. Despite these facts, Experian continues to report this erroneous debt, severely impacting my creditworthiness. As a documented victim of identity theft, I am particularly distressed by XXXX negligence in verifying the legitimacy of this debt before reporting it. 

A fair resolution would include the following : 1. Immediate removal of the inaccurate and unsubstantiated debt from my credit report.

2. A written confirmation from Experian acknowledging their failure to properly verify the debt and their commitment to taking corrective measures.

3. An assurance that Experian will strictly adhere to FCRA requirements when reporting any future debt.

Experians reckless reporting of unverifiable information has caused significant damage to my financial stability and peace of mind. I respectfully request the CFPB to investigate this matter thoroughly and ensure that Experian is held accountable for their actions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I had checked my credit report and saw that I had a collections notice from XXXX XXXX, but I have never had an account with them. This collection was reported specifically on equifax, I decided to file a dispute with them. Once I recieved the report back from them their report didnt show any charges from XXXX XXXX on any of my credit cards, debit cards, and bank accounts. But the collection is still showing on my credit report. I dont know what to do, I work very hard to get my credit score raised and Im frustrated with equifax because I tried to download the report off my computer and their website isnt working, I tried 5 times to log into my account and they keep telling me to call them, I called them and they bounced me around and eventually wasnt able to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : ALLY FINANCIAL # XXXXXXXX XXXX : ALLY FINANCIAL # XXXX XXXX : ALLY FINANCIAL # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These Bankruptcies claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XX/XX/year>, I made a {$45.00} purchase ( guest transaction ) through XXXX to a website called XXXX. The item was a XXXX XXXX that was listed at a discounted price. After the transaction, I received no confirmation email, tracking number, or contact information from the seller. When I returned to the site, it had gone offline and was no longer accessible. 
I filed a dispute with Wells Fargo and initially received a provisional credit, but it was later reversed. I had mistakenly selected dont recognize this transaction out of anxiety, even though I did recognize it and realize Id been scammed. I called Wells Fargo to explain the situation and request that the claim be reopened, but they declined. 

This was my first time disputing a transaction, and I normally wouldnt escalate a case like this, but I never received the item and can not afford to lose that money. Im respectfully asking for the transaction to be reconsidered.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: NJ

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: NH

Complaint narrative:
Please take immediate action to block and remove unauthorized accounts from my credit report. I did not initiate these accounts and have no knowledge of their source. Under USC 1681g, I formally request their removal within 15 days. Enclosed are documents for your reference. Additionally, different versions of account information are appearing across multiple credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: FL

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am writing to formally dispute a late payment that has been reported on my credit file under the account number XXXX. 
XXXX XXXXXXXX Account Number : XXXX XXXX. 
XXXX Account XXXX : XXXX XXXX. 
XXXX Account XXXX : XXXX XXXX. 
XXXX XXXX Account Number : XXXX XXXX. 
XXXX Account Number : XXXX I have reviewed my credit report and found an inaccurate late payment I believe that this late payment is inaccurate due to I made the payment on time, but it was not processed correctly ; I was not notified of a missed payment This late payment entry violates the Fair Credit Reporting Act ( FCRA ), specifically Section 609 ( a ) ( 1 ) ( A ), which requires that all information reported to credit bureaus must be accurate and complete. Additionally, under Section 623 ( a ) ( 1 ) ( A ) of the FCRA, the information provider ( the creditor ) must ensure that the information they report to credit bureaus is accurate. If the creditor reports incorrect information, it must be corrected, and the credit bureau is obligated to remove any inaccurate entries from my credit report. 
I kindly request that you investigate this matter and remove the inaccurate late payment from my credit report. 
As per the Fair Credit Reporting Act ( FCRA ), I understand that the credit bureau is required to investigate disputes within 30 days of receiving this request. 
Please notify me of the outcome of your investigation at your earliest convenience. 
Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: B9, Inc.
State: CA

Complaint narrative:
I received a wire transfer of {$10000.00}, which is within my banking limits. After the funds became available, I sent an ACH payment of {$5000.00}, which is the maximum allowed per day. A few minutes later, I received declined notifications for previous online purchases and realized my account had been frozen without any communication. This happened on XX/XX/XXXX. 

I reached out to customer support through online chats, and they only replied with, " Thank you for your patience ; we will get back to you with any information. '' Two days later, they contacted me to inform me that they were investigating my account. They asked questions about the merchant sending me the wire transfer and the merchant to whom I sent the ACH payment. They inquired about my occupation and annual income, and requested a selfie of me holding my ID for verification purposes. They concluded by saying, " Thank you ; we will get back to you with more information, '' leaving me without further communication. 

I have been responding daily to their emails, requesting information on when my account will be unfrozen. Each time, they reply that they are sending my case to the appropriate department and will inform me once they have any updates.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: MO

Complaint narrative:
Experian is in violation of 15 U.S. Code 1681i outlines the procedure for disputing the accuracy of information in a consumer 's credit file, requiring consumer reporting agencies to reinvestigate disputed information and record the current status or delete the item.

Experian is violation of Privacy Act of 1974 ( 5 U.S.C. 552a ) by reporting the last 4 digits of my social security number and an old address, I've requested to be removed in XXXXXXXX XXXX 
The Privacy Act protects certain federal government records on individuals. In particular, the Act covers systems of records that an agency maintains and retrieves by an individuals name or other personal identifier ( e.g., social security number ). 

Due to the illegal selling and re-selling of this debt, the last 4 of my social security number along with my DOB is a PII [ Personally Identifiable Information ] is any data that could potentially identify a specific individual. 

I want it removed. 


Because this is a repeat and continuance, they should only have 15 days to respond instead of the usual 30 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Ocwen Financial Corporation
State: TN

Complaint narrative:
My health was affected by XXXX, and my employer reduced my work hours. 
I was previously forced to file bankruptcy to keep my house. my servicer NewrezXXXX will not give me mortgage assistance. They have given me the runaround with my paperwork and assisting me with saving my house. Please help me! 
Never received letter to validate the debt, acceleration of the note form my servicer or the foreclosure attorney.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Block, Inc.
State: GA

Complaint narrative:
I purchased XXXX items from a XXXX on XX/XX/2024. I made XXXX {$12.00} payments to the XXXX through XXXX. I later decided to pay the remaining balance of {$24.00} in full. That balance was paid directly to the XXXX through XXXX. I received a confirmation of the payment to show a {$0.00} balance. 
XXXX has harassed me on several ocassions through email concerning the payment owed. I spoke with a representative at XXXX to resolve the matter. They were sent all of the payment confirmations. However, I continue to receive emails about Non-Payment. XXXX has sent my account to a collection agency to collect on a debt that is not owed. This will or has caused adverse action on my credit report, which decrease your XXXX XXXX. XXXX has reported fraudulent information. I want a monetary compensation for the damage XXXX has caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-04-03 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: FL

Complaint narrative:
Unauthorized Credit Inquiries Dispute To whom it may concern, I did not authorize these credit inquiries and was unaware of them until XX/XX/XXXX. The following unauthorized inquiries appear on my credit report : Experian Inquiries ( Not Authorized ) XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Equifax Inquiries ( Not Authorized ) XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX via Dealer XX/XX/XXXX XXXX XXXX XXXX I request the immediate removal of these unauthorized inquiries from my credit report, as I did not provide explicit written consent for these credit checks. The only authorized inquiry was from XXXX XXXX XXXX XXXX, and all others were conducted without my permission. 

Please investigate this matter and confirm the removal of these inquiries as soon as possible. If additional documentation is needed, kindly inform me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: GA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I opened a checking account as a new checking customer with Wells Fargo via a promotional link in late XXXX. The promotion required {$1000.00} of electronic deposits ( completed via my work check with XXXX ) within 90 days, then a {$300.00} bonus payout to my checking account would occur within 30 days of hitting those requirements. I hit that {$1000.00} threshold in XXXX, and have kept the account open since. 

When I set this account up, I had a representative walk me through the set up to make sure I did everything correctly. I called another representative today ( XX/XX/year> ) and they were unable to identify why I didn't get the payout. Since that call, I've not received word or follow up on why the bonus payout did not occur.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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 was shocked to find inaccurate accounts on my credit report this morning, and I have no clue how they appeared. Checking my credit report is part of my routine, but this time, I noticed unexpected discrepancies. I even tried refreshing my browser in case it was a glitch, but the errors persisted. Because of this, I ask that my submitted documents be thoroughly examined so that I wont have to worry about this again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: CA

Complaint narrative:
I have already started payment with original loan and debt collection is threatening me and harassing me with misinformation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: WLCC
State: FL

Complaint narrative:
I revoked XXXX authorization and debit authorization both in XXXX and again in XXXX. The company still attempted to withdraw funds from my account, resulting in over {$1100.00} in XXXX return/nsf fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: GA

Complaint narrative:
Consumer Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer XXXX : XX/XX/XXXX Contents of Complaint : This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within XXXX Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Information consists of : 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 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 XXXX XXXX XXXX XXXX Opened On : XX/XX/XXXX ( REMOVE IMMEDIATELY ). These items have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer XXXX Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries in question as a well as a copy of My Consumer Credit Report. I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud. I request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The XXXX Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within XXXX Business Days of you receiving said complaint. I request that all written confirmation ( XXXX ) regarding this CFPB Complaint be sent via email to the email address : XXXX Attached below are supporting documents -A Letter formally detailing the information of my dispute and stating consumer laws -A Fraud Affidavit -Copy of US Issued ID XXXX Proof of Identity ) -Copy of XXXX XXXX ( Federal Trade Commission ) Identity Theft Report

Company response to consumer: Closed with non-monetary relief