vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-13 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:
My identity was compromised and involved in multiple data breaches. Many accounts were open in my name. This account is showing on my credit report as a charge off with a balance. I demand that it be removed immediately under FCRA 605B

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 2025-01-13 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:
My identity was compromised and involved in multiple data breaches. Many accounts were open in my name. This account is showing on my credit report as a charge off with a balance. I demand that it be removed immediately under FCRA 605B

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: NC

Complaint narrative:
My identity was compromised and involved in multiple data breaches. Many accounts were open in my name. This account is showing on my credit report as a charge off with a balance. I demand that it be removed immediately under FCRA 605B

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 2025-01-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: NC

Complaint narrative:
Inaccurate monthly statements in violation of the FDCPA. Fraudulent Letters of default. ( XXXX  & XXXX  ) Fraudulent Escrow charges ( I pay my taxes & homeowners ) Inaccurate credit reporting resulting in a big decline in my credit score which was perfect!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: FL

Complaint narrative:
Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : Creditor/Collection Agency Name : XXXX XXXX XXXX Account Number : XXXX Amount : XXXX XXXX XXXX - XXXX : {$470.00} Date of XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
Wells Fargo sent me and my wife a promo to get money from them to start up a little small business to make purchases and deliver them to XXXX  XXXX people and anyone who are not able to go shopping for what they needed and I have the transportation delivery service and my wife goes shopping for them and purchased everything that they needed and she is a XXXX who takes care of them and go out and beyond to help them in anyway we can and they just pay for what they want purchase and just pay a small amount delivery service or transportation to where ever they needs to go to and we explained to Wells Fargo Bank everything about our small business to make money to purchase our own home and we needed four accounts checking personal and business and mobile checks deposit account and two savings accounts that have all access account which has the balance of XXXX for purchases and XXXX for ATM withdrawal and a check books and at first they told us to apply for a credit card for business and Personal and once our accounts were setup and they started switching up the information about our business and Personal accounts and kept denying the money transfer from the available balances that they gave us and added limitations to our business and Personal accounts and blocked our mobile checks deposit after we made a mobile check deposit for XXXX DALLORS and blocked our XXXX transfer funds from the available balances and they sent us two platinum debit cards to use for the two savings accounts that have the balances attached to them and they have continued to denied purchases and won't let us create our own ATM pin numbers for ATM withdraws or in store purchases or online purchases and setup these accounts since XXXX XXXX until today and they still haven't sent us our pin numbers or make any online purchases or transfer funds to our personal accounts or business accounts and they have continued to mislead us and have yet to release the mobile check that we deposit on the XX/XX/XXXX at for XXXX dallors and I have been reaching out to them and they kept giving us misleading information and false advertising and we have lost money and stopped us for helping others with whatever they needed and they have deceived us and we just wanted to save for a down payment for our own home and they have did the same thing to our the daughter who wanted to start up her own clothing line to make extra money for college since her bank accounts were compromised and hackers stolen her college trust fund that we put away for her to go to college and this is not fair and we are losing our costumers and Clients and revenue because of this situation

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 2025-01-13 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: MA

Complaint narrative:
As a consumer ( defined under 15 USC 1681a ( c ) ), alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as Metro 2 and the FCRA standards of reporting. 

The following accounts have billing error Under 15 USC 1666B and must be resolved immediately. 



XXXX XXXX XXXX XXXX # XXXX -- Date Opened : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX # XXXX  -- Date Opened : XX/XX/year>

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 2025-01-13 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: NY

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: GA

Complaint narrative:
I am filing this complaint as a victim of identity theft and as part of the XXXX data breach, where my personal information was compromised and fraudulently used. Despite notifying XXXX and providing all required documentation to dispute fraudulent accounts, inquiries, and inaccuracies on my credit report, XXXX has failed to comply with federal laws and my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). 

Violations by XXXX XXXX. Failure to Block and Delete Fraudulent Information ( FCRA, 15 USC 1681c-2 ( a ) ) : Under this provision, XXXX is required to block and permanently delete any fraudulent or inaccurate information from a consumers credit file within four business days of receiving proper documentation. I submitted all necessary proof, including an identity theft affidavit, government-issued identification, and a police report. However, XXXX has failed to remove several unauthorized accounts and inquiries from my report, including : XXXX XXXX XXXX ( Account # XXXX ) XXXX XXXX XXXX ( Account # XXXX ) XXXX XXXX ( Account # XXXX ) 2. Reinsertion of Deleted Information Without Proper Notification ( FCRA, 15 USC 1681i ( a ) ( 5 ) ( B ) ) : XXXX has reinserted previously deleted accounts without providing the legally required notice. This reinsertion not only violates the FCRA but also exacerbates the harm caused by the original inaccuracies. 

3. Failure to Conduct Reasonable Investigations ( FCRA, 15 USC 1681i ( a ) ) : XXXX has repeatedly failed to conduct reasonable investigations into my disputes. Despite receiving detailed documentation proving my identity and the fraudulent nature of the disputed accounts, XXXX continues to report the same inaccurate information. 

4. Noncompliance with CFPB Directives : The Consumer Financial Protection Bureau ( CFPB ) recently sued XXXX for its systemic violations of consumer protection laws, including failure to notify consumers when reinserting deleted information. My experience mirrors the violations detailed in the CFPBs case, further demonstrating XXXX  ongoing disregard for consumer rights. 

Impact of XXXX  Actions XXXX  noncompliance with federal laws has caused significant harm to my financial standing, creditworthiness, and emotional well-being. The presence of inaccurate information has led to unfair treatment from creditors, increased financial stress, and unnecessary delays in resolving my disputes.

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 2025-01-13 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:
My identity was compromised and my information was involved in multiple security breaches. Multiple accounts opened that don't belong to me I demand that this information be removed under FCRA 605 B

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 2025-01-13 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:
My identity was compromised and my information was involved in multiple security breaches. Multiple accounts opened that don't belong to me I demand that this information be removed under FCRA 605 B

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: NC

Complaint narrative:
My identity was compromised and my information was involved in multiple security breaches. Multiple accounts opened that don't belong to me I demand that this information be removed under FCRA 605 B

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 2025-01-13 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bridgecrest Acceptance Corporation
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XX/XX/XXXXXXXX  Bridgecrest XXXX, XXXX Dear [ Bridgecrest, I am writing to request a validation of a debt you claim I owe, as outlined in your letter dated XX/XX/XXXX. I am disputing the validity of this debt and request that you provide me with the information necessary to confirm this debt is valid as per my rights under the Fair Debt Collection Practices Act. You sold this vehicle at an auction and it was sold so the amount that you stated is not right Please provide me with : 1. Documentation of the name of the original creditor.

2. An account of the debt, including the amount you claim I owe, any fees, and any interest.

3. Proof that you are legally authorized to collect on this debt.

4. Copies of any documents showing I agreed to pay this debt. 

Please treat this letter as a formal dispute of the debt until the requested validation is provided. Additionally, cease all communication with me regarding this debt, except for providing the requested validation. 

Thank you for your prompt attention to this matter. I look forward to receiving the requested documentation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
My identity was compromised and my identity was involved in multiple security breaches. The current account is showing on my credit report as a chargeoff with a balance. I demand this information be removed under FCRA 605B

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: FL

Complaint narrative:
Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : Creditor/Collection Agency Name : XXXX Account Number : XXXX Amount : XXXX - XXXX : {$1300.00} Date of XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: NC

Complaint narrative:
Hard inquiries on my credit report that I did not authorize the companies to make. Report of late payments that are not accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
I am seeking your assistance in reviewing accounts from companies that are inaccurately reporting late payments. After being laid off, I requested forgiveness for these payments, and they agreed, yet the late payments are still being reported. Despite reaching out, Ive received no updates, making this my final attempt to resolve the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: NC

Complaint narrative:
US BANK XXXX XXXX Regarding my Statement XX/XX/XXXXXXXX XXXXXX/XX/XXXX I received XXXX, I noticed late fees and interest charges so I called XXXX and talked to XXXX XXXX XXXX XXXX. My concern was a Late fee of {$30.00} and an Interest charge of {$42.00}. We discussed the issue and both agreed she would reverse both fees. These reversals show on my new Statement ending XXXX ; the post dates of reversal are XXXX, XXXX and XXXX. I said I would send a check for an adjusted amount of {$870.00} which I did with check # XXXX on Wednesday XXXX. 

So looking over my new Statement ending XXXX, I saw another Interest Charge of {$12.00}, so I called and spoke with XXXX XXXX XXXX XXXX  question the purpose of the charge. She ended the call without fully explaining the issue telling me someone would call me the next day. That evening I received an email explaining The interest charge was assessed because the statement balance was not paid in full by the due date. Quite frankly this does not make sense I already had XXXX clear this. 
I believe my balance due should be XXXX not XXXX ( XXXX XXXX ) On XX/XX/XXXXXXXX  I wrote a letter to US Bank explaining in detail the situation and included a print of my transactions for all of XXXX and their dates of when they purportedly received and posted my checks. I asked for a reversal of the Interest Charge.

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 monetary relief
Consumer complaint received 2025-01-13 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: TX

Complaint narrative:
It is unacceptable to have this late payment on my account, given my history of making payments on time. Please remove it and update my account accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
PLEASE SEE ALL REFERENCES ATTACHED, THESE ITEMS MENTIONEXXXX XXXXXXXX XXXX  XXXX {$0.00} XX/XX/year> ARE COMPLETELY FRAUDLENT AND MUST BE BLOCK AND REMOVE FROM MY CREDIT REPORT.

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 2025-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am seeking your assistance in reviewing accounts from companies that are inaccurately reporting late payments. After being XXXX XXXX I requested forgiveness for these payments, and they agreed, yet the late payments are still being reported. Despite reaching out, Ive received no updates, making this my final attempt to resolve the issue.

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 2025-01-13 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: NY

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!

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 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
TransUinon continues to report and unauthorized inquiry from XXXX XXXX XXXX dated XX/XX/2023. XXXX XXXX XXXX has informed me that they have requested twice that TransUnion delete the unauthorized inquiry. XXXX fail or refuse to remove the unauthorized inquiry date XX/XX/2023. This is my last attempt to have this unauthorized inquiry to be deleted before I file a case with the XXXX XXXX XXXX ( XXXX ). I have attached a copy of my consumer report showing the unauthorized inquiry.

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