vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-05 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: TX

Complaint narrative:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking it.

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 2025-03-05 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: VA

Complaint narrative:
I paid the full amount of {$190.00} to XXXX XXXX and the account is closed. They still managed to report my account as delinquent to XXXX, XXXX, TransUnion and XXXX XXXX. As a result my credit scores dropped by XXXX points. XXXX XXXX used a company called XXXX XXXX XXXX to file a false report to the credit bureaus. Also, XXXX still has my score at XXXX even though I have paid off all my debts. XXXX, TransUnion and even XXXX XXXX gave me a very good score for paying my debt. But not XXXX. I do not have any confidence anymore in their credit reporting dduties. They also have the wrong information on file for me.

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 2025-03-05 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: American Credit Acceptance, LLC
State: PA

Complaint narrative:
i am a victim of the recent, data breach please remove and block these accounts due to the recent data breach

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: I.C. System, Inc.
State: IL

Complaint narrative:
this information does not belong to me as well have accessed my personal information without my permission/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 2025-03-05 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 am writing to dispute inaccurate and unverifiable information in my credit report under the Fair Credit Reporting Act ( FCRA ) XXXX U.S.C. XXXX et seq. 
I sent Equifax this request via XXXX XXXX Mail on XX/XX/year> 2025

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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: LA

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 explanation
Consumer complaint received 2025-03-05 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, 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 2025-03-05 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: FL

Complaint narrative:
I have recently review a copy of my report i have noticed that I have fraudulent activity..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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: LA

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

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 2025-03-05 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, XXXXXXXX XXXX XXXX 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 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 2025-03-05 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, XXXXXXXX XXXX XXXX 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 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 2025-03-05 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: PA

Complaint narrative:
i am a victim of the recent, data breach please remove and block these accounts due to the recent data breach

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 2025-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Selene Holdings LLC
State: CA

Complaint narrative:
I am currently on a XXXX  % int rate at about {$2000.00} per month and i was having trouble making the payments so I was declared under the forbearance plan and now I am approved for a loan modification. I am writing a complaint to and hoping Selene Finance would reconsider the option of placing me with an outrageous XXXX  % interest rate at a {$3500.00} per monthly new payment beginning soon. My previous payment was only {$2300.00}, which is {$1100.00} additionally per month and a XXXX  % interest rate more than my prior rate, however my loan maturity date stood the same ending on XX/XX/year>. With a rate and monthly mortgage going into this direction, I might be repeating the cycle of not able to afford the payment. Would you please strongly reconsider to contain the XXXX % int rate on a XXXX fixed plan or defer the new balance on the backend of the loan and that would put me in a much better financial position to afford the monthly mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
said companies violated my privacy due to privacy act of 1974 and 15USC 6802 ( b ) ( c ) also 15USC 1681 ( a ) ( 5 ). also 12 CFR 1016.7 A CONSUMER MAY OPT OUT AT ANY TIME. i AM OPTING OUT OF SAID COMPANIES

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have submitted three different disputes to Equifax about my name being incorrect on my credit report. Not only do they use my unmarried last name in place of my current married last name, it is also spelled wrong. I want my married last name to appear on my credit report, and I'd like my unmarried last name to be spelled correct when it is listed under former names. 

I submitted disputes to Equifax on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year>, and these disputes were closed on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year>, respectively. In the process of going through these disputes, I sent Equifax copies of my Social Security card and a current pay stub, each with my correct current name on them. 

After these three disputes, my name is still not correct on my Equifax credit report, which is extremely disappointing and frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: VA

Complaint narrative:
Improper use of my credit report is a violation of my consumer rights according to 15 USC 1681 and the FCRA!

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 2025-03-05 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: VA

Complaint narrative:
Improper use of my credit report is a violation of my consumer rights according to 15 USC 1681 and the FCRA!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX AMOUNT : {$540.00} I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume they no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
This letter serves as my final attempt to resolve this matter before I initiate legal action against your agency for violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

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 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On XXXX XXXX, a letter and tried to dispute immediate deletion of inaccurate information to Experian, XXXX, and XXXX credit agencies. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. The items still remain.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: PA

Complaint narrative:
On XXXX XXXX, a letter and tried to dispute immediate deletion of inaccurate information to Experian, XXXX, and XXXX credit agencies. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. The items still remain.

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 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally request the removal of incorrect names and addresses from my credit report pursuant to the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance standards. My credit report contains multiple variations of my name and addresses that do not belong to me. Below is my correct personal information : Correct Name : XXXXXXXX XXXX XXXXCorrect Date of Birth XXXX XXXXXX/XX/year> Current XXXX XXXX XXXX, XXXX, GA XXXX Incorrect Names and Addresses to Be Removed : Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX I request that these erroneous entries be removed from my credit report immediately. Please provide written confirmation once these changes have been made. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I received a notice that my Wells Fargo password had been changed. I do not have a Wells Fargo account that I am aware of beyond a store credit card. I have no online access to any accounts. I then received an email that my new Wells Fargo debit card was in the mail to me. I have never opened a checking account with Wells Fargo. I know Wells Fargo has been forced to pay multiple billions of dollars in settlements in the past for unauthorized opening of checking accounts.

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 2025-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: EdFinancial Services
State: NY

Complaint narrative:
I had originally sent out that I was still enrolled in school before my 90 days were up until a former student must start making payments. XXXX XXXX failed to provide me with the correct documents and fix on their system I was in school. ED Financial I let them know and called numerous times to be seek the update. 


Under the FCRA, a hard inquiry should only be made with your consent. If a company or individual checks your credit report without your knowledge or permission, this could be considered a violation of your rights. 
If the check was conducted as part of a student loan restructuring, adjustment, or a similar program initiated without proper notification or consent, it may not comply with the legal requirements for credit checks. 
Failure to Follow Regulations on Credit Reporting Inaccurate Reporting : If your student loan servicer or lender did not accurately report information to credit bureaus, resulting in an unjustified drop in your credit score, this could also constitute a violation. Under the FCRA, data furnished to credit reporting agencies must be accurate and complete. Any mistakes in reporting could lead to a credit score reduction without valid cause.

Unjustified Negative Impact on Credit Score Violation of Fair Treatment Laws : If a student 's loan is being checked in connection with a program or service ( such as those involving XXXX XXXX companies like XXXX or XXXX ) and results in a substantial drop in their credit score without any legitimate reason or clear connection, that might be considered unfair treatment under consumer protection laws. 
If a loan check was done improperly and led to an unjust drop in the credit score, it could be viewed as a violation of laws protecting consumers from undue financial harm. 
Discrimination or Unfair Practices Equal Credit Opportunity Act ( ECOA ) : If the checks or changes to student loans caused credit score drops disproportionately to certain groups ( based on race, gender, or other protected characteristics ), it could be seen as a violation of the ECOA, which prohibits discrimination in lending. Failure to Notify and Disclose Impact Violation of Transparency Laws : If a company failed to notify you of the potential impact that a check could have on your credit score, it could be considered a violation of transparency and consumer rights laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: CITIZENS FINANCIAL GROUP, INC.
State: IL

Complaint narrative:
I had 2 unauthorized transactions on my card, XXXX for XXXX $ and XXXX for XXXX XXXX The XXXX $ charge they took care of no problem, but the XXXX $ charge they keep telling me it was authorized even though it was made from the same people on the XXXX $ charge, they copied my card information to make these transactions that I never approved. I've been fighting this charge since XXXX and I'm not letting it slide.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-05 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: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
Dear CFPB, I'm XXXX XXXX. I'm reaching out to file a complaint against Truist Bank. I've been a member of Truist since XXXX and have a joint credit account with my wife XXXX XXXX. On XXXX, my was wife 's credit card was used to initiate a bevy of transactions for a total of {$410.00}. The charges occurred at various merchants such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Nor did my wife or I authorize any of these transactions. We contacted Truist to report the charges immediately on XXXX. The charges were initially reversed on that day and deemed as fraud, however subsequently an investigation ensued and the charges were reinstated. Truist is refusing to reopen my claim, accept my proof of residency or police report, and specify why the declined my claim. I'm reaching out for assistance in retrieving the money that was stolen from me.

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 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Upon reviewing my recent credit report, I discovered multiple errors and discrepancies in the information reported by your agency. These inaccuracies are highly concerning, as they negatively impact my creditworthiness and may result in an unjust denial of future credit opportunities.

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