vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-21 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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:
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 non-monetary relief
Consumer complaint received 2025-03-21 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: TX

Complaint narrative:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX - Balance {$4800.00} UNAUTHORIZED INQUIRIES : XXXX XXXXXXXX XX/XX/XXXX TransUnion

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 2025-03-21 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 am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am formally submitting a complaint against Equifax for failing to adequately investigate the disputes I raised regarding inaccuracies in my credit report. Despite my submissions, Equifax repeatedly responds within 24 hours asserting the accuracy of the accounts without providing any evidence or conducting a thorough investigation. This practice is in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which requires a reasonable investigation of disputes.

Additionally, Equifax 's actions may contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ), as evidenced by the recent administrative action taken by the CFPB ( File No. 2025-CFPB-0002 ) against the company for similar violations.

I respectfully request that the CFPB take appropriate action to ensure Equifax adheres to federal law and provides consumers with the necessary proof of investigation. Attached are the relevant account details for your reference : - XXXX XX/XX/XXXX ( XX/XX/XXXX ) -XX/XX/XXXX ( XX/XX/XXXX ) -XX/XX/XXXX XXXXXX/XX/XXXX XX/XX/XXXX ) - XX/XX/XXXX( XX/XX/XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: Affirm Holdings, Inc
State: LA

Complaint narrative:
I was overcharged interest for several affirm loans. I am a spouse of an XXXX XXXX XXXX XXXX that enlisted in Louisiana so she is covered under the Louisiana 's SCRA laws, that caps all loans at 6 %. 

List of Loans : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: MS

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : 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 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am filing a complaint against Experian for unlawfully reinserting two previously deleted accounts into my credit report without proper notice or verification, in violation of the Fair Credit Reporting Act ( FCRA ). The accounts in question are : XXXX XXXX XXXX XXXX ), originally reported in XX/XX/XXXX and deleted in XX/XX/XXXX ; and XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ), originally reported in XX/XX/XXXX and deleted in XX/XX/XXXX. Upon reviewing my most recent credit report, I discovered that both accounts were reinserted without my knowledge or consent. I did not receive the required written notice within five business days, nor has Experian provided any verifiable evidence from the furnishers to justify the reinsertion. This constitutes violations of the FCRA under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) for failure to notify, 1681i ( a ) ( 5 ) ( C ) for failure to obtain and provide verifiable evidence, and 1681e ( b ) for failure to ensure maximum possible accuracy. I am requesting the immediate deletion of these unlawfully reinserted accounts, copies of any documentation used to justify their return, written confirmation of their removal, and an updated copy of my corrected credit report. Additionally, I seek damages for Experians willful and negligent noncompliance with the FCRA. I urge the CFPB to investigate this matter and take appropriate enforcement action against Experian for these violations of my consumer rights.

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 2025-03-21 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: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-03-21 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: FL

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

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 2025-03-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/scrub> 2025 I noticed on my checking account there was {$2800.00} pending on my account I called chase bank asap, and asked the to cancel this wire, they did not I have sent 7 secure messages gone in person to bank, called the bank 7 times to no avail. I have never made a wire transfer ever an I have been with this bank since it was XXXX XXXX a long time. Now they refuse to give my money back they are disgusting this scammer took everything we had.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Freedom Mortgage Company
State: MI

Complaint narrative:
Weve been in loss mitigation since I think XX/XX/year>2024. We got 2 months behind. Keep making payments but keep requesting loan modification and they are terrible at communicating anything. Its a 30 day process each time and they come back with a lien or 2nd mortgage and interest rate increase. They do not call back when they say they will. Unable to speak to underwriting team. Im forced to call into unprofessional customer service XXXX and rushed through fast speaking offer from underwriting which we consistently decline as they are not helpful options they claim to be. They are misleading and damaging. I receive nothing in writing

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 2025-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
On XX/XX/XXXX I deposited a check in the amount of {$170000.00} into my checking account at the Wells Fargo branch in XXXXXXXX XXXX. 
At that time I asked the teller, XXXX, when the funds would be available. She checked her computer and said {$400.00} would be available that day and the balance the next, XX/XX/XXXX. I was given a printed receipt and emailed the same that said exactly that. 
On XX/XX/XXXX I checked my balance online and indeed the funds showed available. 
Today the availability was reversed. Based on yesterday 's information I transferred {$120000.00} to my XXXX brokerage account and paid several bills online. 

I called the XXXX  XXXX, XXXX, this morning ( XX/XX/XXXX ) to find out why the funds availability was reversed. She could only tell me that the 'back office ' did it and it may be several days before the funds are available. 

My account now shows I am {$110000.00} overdrawn. This is not right.

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 2025-03-21 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: MI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-03-21 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, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: SC

Complaint narrative:
I am filing a formal complaint against Jefferson Capital System for reporting an alleged debt on my credit report that I do not recognize or owe. I have no contractual obligation with Jefferson Capital, and their reporting of this debt is inaccurate, harmful, and in violation of my consumer rights.

Violations Committed by Jefferson Capital System : Inaccurate Credit Reporting : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, Jefferson Capital System is reporting a debt that I do not acknowledge or owe, which constitutes false and misleading information.

Failure to Remove Disputed Debt : Despite my prior dispute, Jefferson Capital System has continued to report this debt, violating my rights under the FCRA.

Unfair and Deceptive Collection Practices : Jefferson Capital has engaged in collection efforts that are unfair and damaging to my financial standing, in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692.

Failure to Comply with Cease and Desist : Under 15 U.S.C. 1692c ( c ), I have the right to request that Jefferson Capital cease all further communication regarding this alleged debt. I have previously exercised this right, and Jefferson Capital has failed to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-03-21 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-03-21 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: MA

Complaint narrative:
Please check information concerning the Equifax data breach below in attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions
State: LA

Complaint narrative:
I called rent recovery to settle debt amount. They informed me i was eligible for it to be disputed. They told me about a start up fee of XXXX to start and work on the dispute. The contract stated i can cancel with no penalty or obligation. I called under 24 hours of the agreement to cancel and they said i could not get refunded. I feel misled about the situation regarding the cancellation. The contract did not state the cancellation was only for the account and not the services.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: CA

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: GA

Complaint narrative:
I am submitting a complaint due to my rights being violated because of a data breach from Experian, TransUnion, and Equifax. Experian, TransUnion, and Equifax, allowed my credit report / profile to be disclosed, accessed, shared and or possibly used without my consent. This is a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

XXXX. XXXX XXXX balance : {$100.00} Date : Opened : XX/XX/XXXX Closed : XX/XX/XXXX XXXX. XXXX XXXX  balance : {$10000.00} Date : Opened : XX/XX/XXXX Closed : XX/XX/XXXX XXXX XXXX XXXX XXXX balance : {$77.00} Date : Opened : XX/XX/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 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting a complaint due to my rights being violated because of a data breach from Experian, TransUnion, and Equifax. Experian, TransUnion, and Equifax, allowed my credit report / profile to be disclosed, accessed, shared and or possibly used without my consent. This is a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

XXXX. XXXX XXXX balance : {$100.00} Date : Opened : XX/XX/XXXX Closed : XX/XX/XXXX XXXX. XXXX XXXX  balance : {$10000.00} Date : Opened : XX/XX/XXXX Closed : XX/XX/XXXX XXXX XXXX XXXX XXXX balance : {$77.00} Date : Opened : XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief