vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-19 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I demand DELETE and or BLOCK According to law that you immediately provide the following information regarding your verification of these accounts The precise method used to verify the accounts. 
A copy of the original documentation relied upon. 
The name, title, and contact information of the individual or entity that conducted the verification. 
pursuant to the Identity Theft and Assumption Deterrence Act ( 18 U.S. Code 1028 ), and under Section 605B of the FCRA ( 15 U.S. Code 1681c-2 ), you are obligated to block and remove information resulting from identity theft. Furthermore, Section 611 ( a ) ( 7 ) of the FCRA ( 15 U.S. Code 1681i ) mandates that you provide detailed documentation of the verification process. To date, you have failed to meet these requirements DELETE OR BLOCK ACCORINGLY Inquiry Unauthorized 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX 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 2025-03-20 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: MI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 2025-03-19 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: LA

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. The information in question is 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. This information is incorrect because it does not belong to me or it is outdated. I have attached copies of document and request letter to support my claim.

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 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
Experience has truly affected my access to housing, and credit, I have disputed errors on my credit report by myself and with help from a credit specialist XXXX XXXX XXXX XXXX, despite multiple disputes of inaccurate information, collections that are not mine, false this has occurred consistently for the last 3 years, previous deleted information have been reinserted even after financial arbitration under fair credit reporting laws and rules, experience I have reported this issue to the ftc, dc police department, cfpb, and assistance through finding out inaccurate data on my report was not removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX  still no answer or proper response or resolution and because of this Im being deprived of my life necessity! Please help Ive called lawyers and all trying to get experience to not violate my rights.now Im not allowed to access experience and my free credit report it has inaccurate information for me to identify myself Ive called write letters and still no access to my account or credit report 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 2025-03-19 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silenceXXXX XXXX XXXX XXXX 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 2025-03-19 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: NC

Complaint narrative:
All of the reinvestigation from XXXX stated that accounts came back verified but never proved the verification. I would like all off my accounts verified.

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 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I placed a security freeze and fraud alert on my account with Experian for security purposes. When attempting to gain credit, a hold was placed on my account from a lender in order to verify my identity through security questions. I answered the questions correctly, multiple times, but each time, I am being told that my responses are incorrect. I was instructed to contact Experian to resolve this issue. 

However, Experian is unwilling to assist. I have called on 5 separate occasions today, including two separate waits of over 30 minutes only to be continually redirected to their " robo advisor '' that will not transfer me to a customer service representative to speak to the challenges I am facing. This robo rep regularly mis-understands prompts, including simple commands like " yes '' and has no option to transfer to a real human rep. It has ended the call without providing any assistance to my solution every time I interact with it. This requires me to repeat the process and end up in the same situation. 

At this point, I consider Experian to be actively unwilling to resolve the incorrect information on their end that is keeping me from accessing the credit associated with my profile.

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 2025-03-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC
State: LA

Complaint narrative:
Dear Sir/Madam, I am writing to file a formal complaint and request compensation for the unethical business practices of Acima XXXX XXXX XXXX ( " Acima '' ) that have negatively impacted me and potentially many other consumers. I believe my case is directly related to the ongoing issues the Consumer Financial Protection Bureau ( CFPB ) has raised regarding Acima, and I request to be considered for compensation as part of any claim or class action suit related to these practices. 

The CFPB 's lawsuit against Acima highlighted serious concerns regarding the company 's deceptive business practices. The complaint alleged that Acima misrepresented its lease-to-own agreements as " leases '' while they effectively functioned as credit agreements with extremely high costs. As the CFPB stated, this misrepresentation resulted in consumers being subjected to financial obligations far exceeding the original cost of the leased goods. Furthermore, Acima was accused of employing misleading marketing tactics and deceptive enrollment practices that made it difficult for consumers to fully understand or exit these agreements. 

These practices align with my personal experience with Acima. I believe I was similarly misled about the terms of my agreement and have been subjected to financial strain due to Acimas unethical and deceptive business model. In light of this, I am requesting compensation as part of any ongoing legal action or class action suit related to this matter.

I am aware that the CFPB recently dismissed its lawsuit against Acima, but this dismissal appears to be a technical matter and does not address the core issues at hand. I trust that the CFPB will continue its oversight of Acima to ensure that they are held accountable for their actions and that consumers who were harmed by these practices, like myself, receive appropriate compensation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-03-19 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 XXXX ( XXXX XXXX XXXXXXXX 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 2025-03-20 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: GA

Complaint narrative:
I am requesting your help to investigate accounts where companies have mistakenly reported late payments. Upon reviewing my credit report, I found errors on specific accounts showing late payments that should not be there. These accounts should not have any late remarks. Please remove these errors and update them to reflect a positive status.

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 2025-03-19 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
This is an update and another complaint of harassment since they continue to harass my wife and me. They have now called the number XXXX XXXX times today, on XX/XX/XXXX, from XXXX. 

See prior solicitation as well : **Documented Calls from XXXX XXXX XXXX XXXX have received MULTIPLE calls ( XXXX a day ) from the following numbers on these dates : - XXXX : - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - Additional calls on XX/XX/XXXX, and XX/XX/XXXX - XXXX : - Multiple calls on XX/XX/XXXX, and XX/XX/XXXX - A call on XX/XX/XXXX - XXXX : - Multiple calls on XX/XX/XXXX, and XX/XX/XXXX - Multiple calls on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX - Additional calls on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - XXXX : - Multiple calls on XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX The attached audio is from a phone call where I reached out to Hyundai Motor Finance at XXXX after they called the phone number of XXXX XXXX XXXX Talking to the person on the other line ( name pronounced XXXX XXXX XXXX Customer Account XXXX XXXX asked for confirmation that they would stop calling and they hung up the phone call. Then Hyundai Motor Finance proceeded to STILL call the phone number of XXXX an hour later at appx. XXXX PST

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 2025-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
I discovered that my PayPal account had been compromised due to a malicious browser extension installed on my device without my knowledge. This breach allowed an unauthorized party to link my PayPal account to XXXX and make multiple fraudulent purchases, totaling {$910.00}, charged to my linked credit card. The unauthorized transactions occurred on or before XX/XX/year>, and are documented in PayPals Resolution Center as follows : case XXXX for {$900.00} and case XXXX for {$9.00}, both labeled as Unauthorized transaction.

Upon discovering the issue, I immediately took action : I removed the malicious extension, changed all my passwords, and enabled Two-Factor Authentication to secure my accounts. I then opened disputes with PayPal for these transactions, requesting a full refund for the fraudulent charges. PayPal investigated and closed the case on XX/XX/year>, in my favor, as confirmed by a resolution notice I received. This notice explicitly stated that the transactions were unauthorized. 

Despite this ruling, PayPal only refunded me {$10.00} of the {$910.00} in fraudulent charges. This partial refund fails to account for the full scope of the unauthorized activity, which involved multiple transactions. I contacted PayPal on to dispute the incomplete refund, pointing out that their decision in my favor should cover all related charges, not just a fraction. However, they have not corrected the issue or provided a satisfactory explanation for the discrepancy. 

I am seeking a full refund of the remaining amount, {$900.00}, to cover all unauthorized transactions, as supported by PayPals own finding that the activity was fraudulent. I have attached screenshots of the transaction amounts from the Resolution Center and the separate resolution notice confirming the case were closed in my favor. The companys failure to fully reimburse me despite acknowledging the fraud is unjust and inconsistent with their case resolution. I request that this matter be investigated and resolved promptly to ensure I am made whole for the losses caused by this breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ULRS, Inc.
State: AZ

Complaint narrative:
In XXXX XXXX  ) I contracted with XXXX XXXX at XXXX XXXX XXXX XXXX ( XXXX ) a water damage restoration company to remedy moderate damage to our home. No actual bill was provided, and an insurance company was involved. The restoration company failed in their efforts to mitigate damage, was unprofessional and made false assertions to the extent of their efforts. We terminated their involvement as inadequate within days of commencement. At the time ( XXXX XXXX XXXX presented a VERY high bill of {$20000.00}. Very little work had been completed at that time, consisting primarily of drying fans. The insurance adjuster suspected fraud and requested the restoration company to make contact. We do not know what happened next but a few years later, the restoration company presented us with that same bill as rejected and unpaid by the insurance company. We declined the invoice. Over the next twenty years (! ) we would receive an occasional effort by collection agencies to collect on the suspect invoice. All were rejected as fraudulent. Last year in XXXX, we were contacted by XXXX XXXX XXXX XXXX XXXXXXXX ) to settle this matter for reduced terms. We declined. The restoration company never filed a legal complaint against us, period. After explaining the old age of the original transaction XXXX XXXX  ), and XXXX accusing XXXX of harassment, they nevertheless placed our alleged debt as defaulted with credit bureau. We accuse XXXX and XXXX of conspiring against us to tarnushnour credit, make wrongful accusations, and act in a manner not consistent with good faith. Our assertions that the age of the invoice, lack of legal complaint, and suspected fraud suggests inappropriate efforts to collect were wilfully disregarded by XXXX to our detriment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: AL

Complaint narrative:
I am writing to formally file a complaint regarding inaccuracies in my credit report, which were exacerbated by a recent data breach involving Equifax. I found that these inaccuracies violate my rights under the Fair Credit Reporting Act ( FCRA ) due to the failure of Equifax and other credit reporting agencies to protect my personal data and accurately report my credit history. I have disputed accounts and advise equifax which failed to investigate and remove account As a result of the data breach, my personal information was compromised, which has led to incorrect and potentially fraudulent information appearing on my credit report. Specifically, I have found the following inaccuracies : Security finance Security credit services XXXX XXXX XXXX XXXX tab These inaccuracies not only jeopardize my financial standing but also violate my rights under the FCRA, particularly : 1. Secti

on 604 ( 15 U.S.C. 1681b ) - The requirement for a permissible purpose for obtaining a consumer report. Given the breach, the re-usage of my personal data without my explicit consent violates this requirement. 2. Section 611 ( 15 U.S.C. 1681i ) - The requirement for a reasonable investigation of disputed information. Due to the effects of the data breach, I assert that Equifax failed to reasonably investigate the accuracy of the information being reported. 3. Section 605 ( 15 U.S.C. 1681c ) - The requirement that only accurate and up-to-date information be reported on my credit report. The inaccuracies stemming from the breach violate this provision. I kindly request your assistance I forcing these right. I urge that the inaccurate accounts be removed from my credit report immediately to mitigate the damages I am experiencing as a result of this breach and subsequent reporting inaccuracies. 

FTC report filed reference XXXX

Company response to consumer: Closed with non-monetary relief