vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
I report this negative item and request to the company the accuracy of this account that is on my credit report and I have not received any information but they still show on my credit report. I disputed the accuracy of some of the info to the credit bureaus that are not correct such as my address that are under some of the unrecognized items. 

Exeter Finance LLC Owed : {$10000.00} # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XX/XX/year> verified the debt to transunion and offered no proof I opened or used this account including signatures.

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 2025-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd
State: CA

Complaint narrative:
Wise payment LTD resolved and offered a compensation of about XXXX USD after complaint.. I have written them since then to effect the compensation payment but no response... I'm lost See wise final response report attached

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX 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. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 2025-03-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: NC

Complaint narrative:
I had a pop up on my credit report of a XXXX  account. Which I have never had any phone account in my name. I have been on my parents for years and years. Never even inquired about a account, when reaching out to the company to ask what this was about I was demanded I pay the account right now, and that they will not assist me in getting the information I needed. When i finally did get a little information from the guy on the phone the address and phone number was not mine nor was never mine. He told me I had to wait for XXXX XXXX to reach out which is not accurate due to the fact that I did call XXXX XXXX  and the said account was already sold

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 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
When I had viewed my credit report there were hard inquiries that were not mine.

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 2025-03-11 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: NM

Complaint narrative:
My credit report contains late payment remarks that I strongly believe are inaccurate. These false records misrepresent my actual payment history and are unfairly damaging my financial reputation. I refuse to let these inaccuracies go unchallenged. 

Despite my responsible financial habits, these errors are creating unnecessary obstacles. The FCRA is clearany outdated, incorrect, or unverifiable information must be removed immediately. I expect swift corrective action, as any further delay will only amplify the damage already caused. 

Company Name : XXXX XXXX XXXX XXXX Account # : XXXX Company Name : XXXX XXXX - Account # : XXXX Company Name : XXXX - Account # : XXXX Company Name : XXXX XXXX XXXX Account # : 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 2025-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are multiple accounts that do not pertain to me. These accounts were open during the time that I was XXXX. Theres an account with XXXX amount of {$950.00} XXXX XXXX XXXX XXXX {$920.00} XXXX XXXX {$920.00} an account of XXXX  XXXX unknown balance, XXXX XXXX  for the amount of {$26000.00}. I have also submitted a complaint to the FTC identity theft report it will be attached. And I will include the disposition of the paperwork that states the dates that I was XXXX  and the day that I was released.

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 2025-03-11 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: TX

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2025-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
indigo closed my credit card account without my permission acct no. XXXX .... 

i need the 1099 form for this account that you closed or charged off

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: GA

Complaint narrative:
Experian and TRANSUNION has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and transunion has neither corrected nor removeddisputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-03-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I obtained a car with a loan through XXXX XXXX on XX/XX/XXXX. 
According to the contract, the payments were to be {$340.00} for 66 months. 
In XXXX I received information that my account was going to be collected by

Westlake Financial, I was very surprised but I continued to make the payments. Currently I have been paying for the car for more than 8 years and the account has not gone down, I have made more than 100 payments. I have called the company, they asked me for a copy of the contract, I sent it on XX/XX/XXXX and they did not give me an answer, I have called several times but they do not give me an explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 explanation
Consumer complaint received 2025-03-11 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 HAVE BEEN TRYING TO GET A LIVE AGENT FOR HOURS, FRAUD ON MY ACCOUNT AND IM TRYING TO GET CONTACT INFORMATION TO CALL RETAILER DIRECTLY, BUT THEY MAKE SURE THEIR AUTOMATED SYSTEM DOES NOT LET YOU SPEAK TO SOMEONE, YOU GUYS ARE ALREADY BEING SUED FOR INCORRECT INFO ON PEOPLES REPORTS, NOW THEY TRY AND MAKE SURE NO ONE CAN CONTACT THEM IN REGARDS TO FRAUDULENT ACTIVITY!! NONE OF THE OPTIONS WERE GETTING ME TO A LIVE HUMAN NO MATTER WHAT I DO!

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 2025-03-11 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: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Identity Verification and Address Correction Dear Sir/Madam, I am writing to inform you that I am currently unable to access my credit report and have been advised to submit a copy of my drivers license and Social Security card to verify my identity.

Additionally, I have noticed that there are two incorrect addresses being reported on my credit file : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NC XXXX These addresses & zip codes should not be associated with my credit report. The only correct and valid address that should be reporting is : XXXX XXXX XXXX XXXX XXXX, NC XXXX This address is reflected on the copy of my drivers license enclosed with this letter. I kindly request that you update my records to reflect only my current address and remove the incorrect addresses listed above.

Please let me know if you require any additional information to process this request. I appreciate your prompt attention to this matter and look forward to resolving it at your earliest convenience.

Thank you for your cooperation.

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I recently reviewed my credit report and want you to verify certain information. 
XXXX Verify and insure all data yr account is accurate. Inves provide documentation an information. I expect this are reporting from this XXXX with the data furnisher & na vou have up to date a reasonable time frame per the FCRA. 
Thank you for lookin XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I recently reviewed my credit report and want you to verify certain information. 
XXXX Verify and insure all data yr account is accurate. Inves provide documentation an information. I expect this are reporting from this XXXX with the data furnisher & na vou have up to date a reasonable time frame per the FCRA. 
Thank you for lookin XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Velocity Portfolio Group
State: RI

Complaint narrative:
I am writing to formally request that you cease and desist from any further communication regarding the debt listed under the account number referenced above. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I am exercising my right to request that you stop contacting me about this debt.

As per my rights under the FDCPA, I am requesting that you immediately stop all written and verbal communication with me regarding this debt, including phone calls, letters, or any other forms of contact.

If you continue to contact me or engage in collection efforts after receiving this letter, you may be in violation of the FDCPA, which could result in legal consequences.

Please take note that this letter does not constitute an acknowledgment or acceptance of the debt. I reserve my right to dispute the debt if necessary and will request further verification of any debt being collected.

I trust that you will comply with this request immediately and provide confirmation in writing that no further contact will be made. Also, deleting the invalid collection account on my credit report.

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, my XXXX was stolen at a bar in XXXX XXXX. On XX/XX/XXXX, a fraudulent airline ticket purchase for {$950.00} appeared on my credit card. When my credit card company sent a fraud alert to my phone, the thief who had possession of my stolen phone responded 'NO not a fraud, ' authorizing the transaction.

I initially disputed the charge with my credit card company and received a temporary credit. However, in XX/XX/XXXX, the company rebilled me for the {$950.00} charge, stating they had received a response to their fraud alert indicating the charge was legitimate.

I am now providing evidence that I could not have responded to the fraud alert, as my phone was stolen the day before the purchase. To document this timeline, I filed a police report with the XXXX XXXX Police Department on XX/XX/XXXX ( currently pending case number assignment ), which confirms the theft of my phone on XX/XX/XXXX and the subsequent fraudulent charge.

I am submitting this CFPB complaint simultaneously with my dispute documentation to the credit card company to establish a record of my efforts to resolve this matter. I believe this situation falls under the protections of the Fair Credit Billing Act, as I could not have authorized a transaction or responded to a fraud alert on a phone that was stolen from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: IL

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: American Financial Network Inc.
State: CT

Complaint narrative:
XXXX XXXXAmerican Financial Network ( AFN ) is notorious and has serially falsely reported hundreds of thousands of mortgages as having late payments and refuses to fix falsely reported late payments related to covid and loan modifications with deferments in particular. This company is arrogant and plays with the financial well-being of others and should be shut down by DOGE because they receive government insurance and their incompetence in falsely reporting late payments has an adverse effect on the economy as well. 

XXXX is also a semi government agency that needs to be chopped or massively overhauled by DOGE which I work with as they are arrogant, inefficient, and incompetent. They can fix the falsely reporting lates or I will unleash a maniacal war against them they won't believe. XXXX XXXX XXXX!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
I have tried to call to see if they have taken the proper action to get it submitted to insurance company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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:
On XX/XX/year>, I requested a reinvestigation of this account. Despite this request, the account continues to display erroneous information that misrepresents my credit history. Under the Fair Credit Reporting Act ( FCRA ), all reported data must be accurate and verifiable. Additionally, the information provided must adhere to the Metro 2 reporting standards and the requirements of the E-OSCAR dispute resolution system, which TransUnion utilizes. 

It is evident that this account, which is closed with a XXXX balance, is being inaccurately reported as having late payments ( XXXX Days Late ). This misreporting does not comply with the consumer law statuses mandated by federal regulations. Furthermore, the CARES Act protections for consumersspecifically regarding the reporting of late payments during periods of financial hardshiphave not been met in this instance. 

I demand that TransUnion immediately delete all inaccurate and misleading information associated with this account from my credit report. Please update your records in full compliance with the XXXX XXXX reporting guidelines and the E-OSCAR system protocols within the XXXX period required by the FCRA. Kindly provide written confirmation once the deletion has been executed.

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