vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Dear TransUnion Dispute Department, I am writing to formally demand the immediate removal of unauthorized credit inquiries from my credit report due to fraudulent activity related to the Equifax data breach and identity theft. Under the Fair Credit Reporting Act ( FCRA ), you are legally obligated to ensure the maximum possible accuracy of my credit report ( 15 U.S.C. 1681e ( b ) ) and to conduct a proper reinvestigation of disputed information ( 15 U.S.C. 1681i ). 
The following unauthorized inquiries appear on my TransUnion credit report and must be removed immediately : XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX  ( Finance ) XX/XX/XXXXXXXX XXXX XXXX  ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX  These inquiries were made without my authorization and have negatively impacted my credit profile. Since they are the direct result of identity theft, you are required to remove them under 15 U.S.C. 1681c-2, which mandates the blocking of fraudulent information upon request. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, unverifiable, or fraudulent must be deleted from my file. 

Attached to this letter, you will find : A copy of my government-issued ID and proof of address A copy of my credit report highlighting the unauthorized inquiries A copy of my Identity Theft Report, which further supports my claim A copy of my Federal Trade Commission ( FTC ) Identity Theft Affidavit I expect TransUnion to remove these unauthorized inquiries immediately to comply with federal law. If you fail to take action within the 30-day legal timeframe, I will escalate this matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General.

Please confirm in writing that the unauthorized inquiries have been deleted from my credit report. You may contact me at XXXX or XXXX for any further clarification. 
This is your legal obligation, and I will not tolerate any negligence in handling this dispute. 
Sincerely, 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 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FORD MOTOR CREDIT CO.
State: TX

Complaint narrative:
Reported on all 3 bureaus late payments and Im never pass the 29 day grace period. This wasnt not me and I respectfully request this item be removed off my credit bureaus and corrected. They recently also ran hard inquiries on my credit and i didnt buy a new truck. Please resolve this by removing the inquires as well

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX XXXX # : XXXX date opened XX/XX/XXXX bal. {$1800.00}, XXXX, XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$790.00}, XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX XXXX XXXX  Account # : XXXX date opened XX/XX/XXXX bal. {$0.00}. Inquiries : XXXXXXXX XXXX XXXX  XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX XXXX # : XXXX date opened XX/XX/XXXX bal. {$1800.00}, XXXX, XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$790.00}, XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX XXXX XXXX  Account # : XXXX date opened XX/XX/XXXX bal. {$0.00}. Inquiries : XXXXXXXX XXXX XXXX  XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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: NV

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: NV

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: IA

Complaint narrative:
Our mortgage has been owned by XXXX XXXX for XXXX  years. We have never missed or been late on a payment. Last fall we were notified that XXXX XXXX was selling our mortgage to Mr. Cooper. Our payments are made monthly, automatically made from my bank account. 

During the same time frame they sent notification of an escrow shortfall that required our monthly payments to increase starting in XXXX. We did not receive this notification. I dont know why. 

On XX/XX/XXXX I received a certified letter, hand delivered from Mr. Cooper informing me that I hadnt made my house payments in months and that they were threatening foreclosure. They had " owned '' my account for precisely XXXX days at this point. 

I attempted to contact Mr. Cooper and had a truly horrendous customer services experience. I then reached out to XXXX XXXX where they were able to determine what had happened. XXXX of my payments were short because we didn't know of the escrow increase. Rather than contact us with the irregularity they applied our house payment directly to principal and marked that we hadn't made payments. 

XXXX  XXXX was able to provide dates and times which I provided to Mr. Cooper in addition to a visual and download of my bank records filtered to the mortgage payments going back XXXX years. During my next call to Mr. Cooper I made additional payments to Mr. Cooper to cover the short payments. 

Mr. Cooper told me XXXX things on my last call with them. The first was that I should be grateful they are going so far above and beyond for me. The second was that they weren't going to accept any of the documentation that I had provided and unless I could give them more proof that I had already paid them they would foreclose on my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: GA

Complaint narrative:
OnXX/XX/2025 i transferred {$23000.00} to my WISE inc account via ACH. 

Once the money was there I initiated a transfer within the WISE app to send {$23000.00} to my business partners WISE account which according to the information provided to to him by WISE, Inc and forwarded to myself is an account at XXXX XXXX XXXX Bank ( XXXX ) in New York. This account was created/opened by WISE on behalf of my Partner. 

When i set up the transfer in the WISE app i entered the last two digits of the account number incorrectly resulting in the transfer going into the wrong an account at XXXX. 

I contacted WISE who supposedly reached out to the mistaken account holder who refused to return the money. WISE states they can do nothing further. They will not identify the account holder however i believe it to be another WISE customer based on one of my phone calls with WISE whilst trying to resolve this problem and get the money returned. 

I have contacted XXXX via their complaint form but have not had a response yet. 

I would expect WISE and its partner bank XXXX to conduct some kind of account Verification that the account holders name would match the name in the transfer request and result in a rejection of the transfer, but this does not appear to be the case. 

I want WISE and XXXX to return the money Any assistance in this matter is greatly appreciated

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: GA

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 explanation
Consumer complaint received 2025-03-27 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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:
The Fair Credit Reporting Act ( FCRA ) mandates that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure maximum possible accuracy when preparing consumer reports, and that inaccurate or unverifiable information must be removed or deleted This is an inacuracy on my credit reporting as if I am current on XXXX, how can I be 90 days late in XXXX. Please delete this inacuracy please note that there two instance of this type of inaccuracies on my credit report. both of the loans are similar except for the Date Opened. Where one has Date opened of XX/XX/XXXX and the other has Date Opened of XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The Fair Credit Reporting Act ( FCRA ) mandates that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure maximum possible accuracy when preparing consumer reports, and that inaccurate or unverifiable information must be removed or deleted This is an inacuracy on my credit reporting as if I am current on XXXX, how can I be 90 days late in XXXX. Please delete this inacuracy please note that there two instance of this type of inaccuracies on my credit report. both of the loans are similar except for the Date Opened. Where one has Date opened of XX/XX/XXXX and the other has Date Opened of XX/XX/XXXXXXXX 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 2025-03-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I still receiving fraudulent charges, even after American Express claimed to block the fraud charges I still keep getting them. They are not protecting me from fraud they just keep letting fraudulent run rampant on my card with no protection!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am formally disputing the following late payment entries on my credit report : XXXX XXXX XXXX These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Against Capital One Unjust Denial of Fraud Claim Dear CFPB Consumer Response Team, I am filing a formal complaint against Capital One regarding their handling and denial of my fraud claim ( Case Number : XXXX ) for the amount of {$1000.00}. 

I have followed all necessary steps to dispute these fraudulent transactions, including : Filing a police report and submitting it to Capital One as advised by one of their representatives. 
Speaking with multiple Capital One representatives on several occasions to resolve the issue. 
Following up with emails, providing the police report and additional information. 

Despite these efforts, Capital One has denied my claim without a valid explanation, offering conflicting and illogical reasons : 1. They initially stated that my claim was denied because I supposedly had possession of my debit card when the fraudulent transactions occurred. However, when I asked a representative to check their records, they confirmed that I never made such a statement.

2. Later, they claimed my claim was denied because some transactions occurred after I reported the card stolen. This reasoning does not make sense, as cards are typically blocked immediately after being reported lost or stolen.

I have made repeated attempts to get a clear explanation, but Capital One has failed to provide one. Their mishandling of my case has left me frustrated and without resolution. I am requesting the CFPBs assistance in ensuring that my claim is properly reviewed and that Capital One adheres to fair consumer protection practices. 

Please let me know if any additional documentation is required. I appreciate your time and support in addressing this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 2025-03-27 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: KY

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. Accounts in Question : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX This request is made in accordance with several provisions of the Fair Credit Reporting Act ( FCRA ) : 1. 15 USC 1681c-2 ( a ) : This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened in my name be blocked immediately. 2. 15 USC 1681i : Under this section, I am entitled to dispute and request the deletion of any inaccurate or unverifiable information on my credit report. Please investigate and delete any such information linked to this breach. 3. 15 USC 1681e ( b ) : This provision mandates that consumer reporting agencies maintain reasonable procedures to ensure the accuracy of information. Given the breach, I request a thorough review of my credit report to identify and rectify any inaccuracies. 4. 15 USC 1681g ( a ) : I request access to my complete consumer report, as I have the right to understand what information is being reported and to identify potential inaccuracies resulting from this breach. 5. 15 USC 1681m : As required by this statute, please ensure that any negative information resulting from the breach is not reported inappropriately. 6. 15 USC 1681n : I reserve the right to seek damages for any violations of the FCRA resulting from this breach, should you fail to comply with my requests. Please confirm the receipt of this letter and provide written confirmation of the actions taken regarding my accounts. Additionally, I would appreciate an update on any measures you are implementing to protect my personal information. Thank you for your prompt attention to this matter. I look forward to your immediate response in 4 days!

Company response to consumer: Closed with explanation