vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
I have been locked out of my account for months. When trying to log in, I get an error code XXXX that states my account has been disabled. I have tried creating a new account, but I then get a message that an account already exists. Getting a hold of aidvantage customer service is nearly impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: IL

Complaint narrative:
I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance - XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance {$270.00} XXXX XXXX XXXX XXXXXXXX Balance {$750.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: IL

Complaint narrative:
I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance {$270.00} XXXX XXXX XXXX XXXXXXXX Balance {$750.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Today XX/XX/year> I contacted The Credit Reporting Agencies & Tried To Work With All 3 Credit Reporting Agencies To Remove Fraudulent & Incorrect Information on My Credit Profile. They Have Yet To Remove The Negative Items That Aren't Mine Due To Identity Theft.

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 2025-01-08 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: IL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX SSN : XXXX | DOB : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately. 
Name of Account Account Number Provide Physical Verification XXXX  XXXX XXXX Unverified Account XXXX  XXXX XXXX Unverified Account XXXX  XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX  XXXX Unverified Account XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX  XXXX Unverified Account * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 
Thank You, XXXX XXXX XXXX XXXX IN WITNESS WHEREOF, the said party has signed and sealed these presents the day and year first above written. 
Signed, sealed and delivered in the presence of : XXXX XXXX XXXX XXXX _________________________________ Signature STATE OF Illinois XXXX XXXX  XXXX I HEREBY CERTIFY that on this day before me, an officer duly qualified to take acknowledgments, personally appeared XXXX XXXX XXXX XXXX, who is personally known to me or who has produced _____________________________________________ as identification and who executed the foregoing instrument and he/she acknowledged before me that he/she executed the same. 
WITNESS my hand and official seal in the County and State aforesaid this _____ day of ____________________ XXXX. 
___________________________________ Notary Public Printed Name : My commission expires :

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 2025-01-08 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC
State: IN

Complaint narrative:
please verify that the information reported is 100 % accurate and that you can fully verify the information. Otherwise please change information to a POSITIVE STANDING PAYOFF or remove from report.

Listed on my credit report as PAID/CLOSED/WRITTEN OFF with a {$15000.00} balance- INACCURATE Listed as Charged Off for several months, XXXX XXXX XXXX INACCURATE Positively Paid Off w an agreed upon amount provided by " debtor '' to MY GAP Insurance and Insurance company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: PA

Complaint narrative:
Thank you for your assistance in addressing some of the fraudulent information on my credit file. However, there remain unresolved inaccuracies that must be removed. In accordance with FCRA Section 605, you are legally obligated to remove any inaccurate records. I have previously submitted the relevant documentation, which I am enclosing once again for your reference. Please be advised that my attorney is fully apprised of the situation and prepared to hold you accountable for any further non-compliance. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-01-08 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items :

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 2025-01-08 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: PA

Complaint narrative:
I am writing to formally dispute accounts that have been reported by your agency on my credit report. ( The accounts referenced are attached ). The accounts referenced was opened or charged fraudulently as a result of identity theft, and I request that it be permanently removed from my credit report. Please note that I have never opened or authorized these accounts. I discovered this fraudulent activity while reviewing my credit report, and I immediately filed an identity theft report ( The affidavit is attached ). In accordance with the fair credit reporting act ( FCRA ) and the fair debt collection practices act ( FDCPA ), I am requesting the removal of these accounts from my credit report, and that you cease all collection activities related to these 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 2025-01-08 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: PA

Complaint narrative:
I am writing to formally dispute accounts that have been reported by your agency on my credit report. ( The accounts referenced are attached ). The accounts referenced was opened or charged fraudulently as a result of identity theft, and I request that it be permanently removed from my credit report. Please note that I have never opened or authorized these accounts. I discovered this fraudulent activity while reviewing my credit report, and I immediately filed an identity theft report ( The affidavit is attached ). In accordance with the fair credit reporting act ( FCRA ) and the fair debt collection practices act ( FDCPA ), I am requesting the removal of these accounts from my credit report, and that you cease all collection activities related to these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: EQUIFAX, INC.
State: DE

Complaint narrative:
The following inquiries were listed on my credit report from unknown sources. I am unable to obtain anything due to this issue. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TD BANK US HOLDING COMPANY
State: WA

Complaint narrative:
To whom it may concern : We, XXXX XXXX XXXX closed a refinance loan for XXXX XXXX XXXX on XX/XX/XXXX. An accommodation payoff was made to TD AUTO FINANCE through this refinance for acct # XXXX, vin # XXXX, XXXX XXXX XXXX Serires. 
Check # XXXX in the amount of {$19000.00} to TD AUTO FINANCE was paid on XX/XX/XXXX. XXXX XXXX  XXXX  has no interest in this vehicle as loan was an accommodation payoff through XXXX XXXX refinance. 
Please release title/lien release XXXX XXXX XXXX for this loan. 
If you have any questions please call us XXXX Recently i requested a lien release title from TD AUTO FINANCE but the refused to send out a lien release even i did everything they asked to get a docs from XXXX XXXX XXXX i was so frustrated try to get lien release from TD AUTO FINANCE since XX/XX/XXXX everytime i've called i got different answer from a different Rep, they just told me to wait 5-10 business days and keep waiting til today and the lien release never escalating to send out.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Once Again Wells Fargo Home Mortgage has violated and disregarded my order to Cease and Desist from all further communication until providing the lawfully requested information that they are legally and lawfully bound by policy to provide to a consumer upon request, Once again violating the FCRA consumer FOR THE RECORD today the XXXX day of XXXX of XXXX XXXX  via XXXX mail WELLS FARGO and Wells Fargo Home Mortgage sent mail to the property that they have no rights to and non compliant to consumer request to cease and desist from all further communications This report will be used as evidence against Wells Fargo Home Mortgage to show that they are in fact in breach of contracts and in violation of FTC, GAAP, and consumer rights under 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 2025-01-08 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: MS

Complaint narrative:
Complainant Information : Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX Complaint Type : Credit Reporting - Incorrect information on your credit report Issue : Dispute investigation by XXXX XXXX XXXX didnt fix error Complaint Details : I am filing this complaint regarding inaccurate and unverifiable information reported on my credit file by Experian. Despite multiple disputes submitted to Experian, no verification or validation has been provided as required under the Fair Credit Reporting Act ( FCRA ). The details of the accounts in question are as follows : Accounts in XXXX : XXXX. XXXX XXXX Account ( # XXXX ) Errors : Conflicting account statuses : Closed at credit grantors request and Charged off. 
Credit usage is listed as 100 %, with a balance ( {$440.00} ) exceeding the credit limit ( {$300.00} ). 
Payment history is incomplete ( XXXX to XX/XX/XXXX missing ). 
Experian has failed to provide any validation documents from XXXX XXXX despite my previous disputes. 
XXXX. XXXX XXXX Account ( # XXXX ) Errors : Reflects XXXX late payments without clear documentation or explanation. 
Past due amount of {$160.00} is reported, despite the highest balance being only {$190.00}. 
Misleading account status : Closed at credit grantors request, but still reported as past due. 
Experian has not provided any verification or supporting documentation. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Errors : Discrepancies in reporting : Credit limit of {$300.00}, highest balance of {$0.00}, and a status of Discharged through Bankruptcy XXXX XXXXXXXX Late. 
Payment history for XXXX to XX/XX/XXXX is missing entirely. 
Comments indicate a completed investigation of FCRA dispute - consumer disagrees, but no documentation has been provided to substantiate this conclusion. 

FCRA Violations : 1. Failure to Validate : Under 15 U.S.C. 1681i ( a ), Experian is required to delete unverifiable information within 30 days. Experians failure to validate these accounts after multiple disputes is a clear violation of this requirement. 
2. Failure to Ensure Accuracy : Under 15 U.S.C. 1681e ( b ), Experian must maintain maximum possible accuracy. The reporting of conflicting, incomplete, and unverifiable information violates this standard. 

XXXX XXXX Reference : In XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ), the court ruled that credit reporting agencies can not merely rely on data furnishers for verification and must conduct their own investigations. Experians lack of independent investigation violates this precedent.

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 2025-01-08 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: CT

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2025-01-08 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: CA

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows :

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 2025-01-08 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: RI

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-01-08 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: NY

Complaint narrative:
I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my address. These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth. 
A recent utility bill to verify my current address. 
A copy of my Social Security card to confirm my SSN. 

This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : 1.Conduct a thorough investigation to identify and remove any inaccurate personal information from my credit report.

2.Update my credit profile to reflect the correct information as listed above. 
3.Provide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: CA

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT AND HAVE BEEN FOR YEARS .CHECKING MY CREDIT REPORT, I NOTICED NUMEROUS FRAUDULENT ACCOUNTS, INQUIRIES, AND ADDRESSES CREATED BY AN UNKNOWN PERSON OR PERSONS USING MY IDENTITY, WITHOUT MY AUTHORIZATION, KNOWLEDGE OR PERMISSION. MY WALLET CONTAINING MY, ID, DRIVER LICENSE, AND SS CARD WERE LOST DURING MY CELEBRATION AT MY HOME AND NEVER RECOVERED OR RETURNED. THESE TRANSACTIONS ARE THE RESULT OF IDENTITY THEFT, AND ARE UNRELATED TO ANY TRANSACTIONS MADE BY MYSELF. I AM NOT ERRONEOUSLY REQUESTING A BLOCK, NOR HAVE I ACQUIRED GOODS, SERVICES OR MONEY AS A RESULT OF THE TRANSACTIONS IDENTIFIED IN THIS IDENTITY THEFT REPORT. 

FRAUDULENT ACCOUNTS RESULTING FROM IDENTITY THEFT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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:
I am demanding a deletion of the following account name 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