vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-06 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: CA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

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 2025-04-06 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: CA

Complaint narrative:
Two accounts from XXXX XXXX XXXX Card Reporting Late Payments. This accounts were never late, opened, and in good standing. 

XXXX. XXXX XX/XX/XXXX {$1.00}, XXXX XXXX. Account XXXX XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-06 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: CA

Complaint narrative:
Two accounts from XXXX XXXX XXXX Card Reporting Late Payments. This accounts were never late, opened, and in good standing. 

XXXX. XXXX XX/XX/XXXX {$1.00}, XXXX XXXX. Account XXXX XX/XX/XXXXXXXX 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 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) in relation to fraudulent activity on my credit report, which resulted from the exposure of my personal information in the Equifax data breach. Despite my efforts to resolve this matter with the credit bureaus, I have not received proper validation in accordance with the requirements set forth under Title 15 U.S.C. 1681, specifically the Fair Credit Reporting Act ( FCRA ).

The FCRA outlines certain responsibilities for credit reporting agencies, users of credit reports, and those involved in reporting and investigating disputed information on credit reports. Under 1681i ( a ) ( 1 ), the FCRA mandates that a consumer reporting agency must conduct a reasonable investigation upon receiving a notice of dispute from a consumer, and it must complete the investigation within 30 days. However, I have not received the required validation or a timely resolution from the credit bureaus despite my repeated requests.

Furthermore, under 1681c-2, the FCRA stipulates that consumers must be notified if their information has been impacted by fraudulent activity, yet I did not receive adequate notification or assistance in addressing the fraudulent accounts appearing on my credit report.

Additionally, 1681e ( b ) requires that credit reporting agencies maintain reasonable procedures to ensure the accuracy of the information reported. The failure to validate and properly investigate my disputes and address the fraudulent activity on my report is a direct violation of this provision, as the information remains inaccurate and unresolved.

Due to these violations and the inability of the credit bureaus to properly validate the fraudulent activity and correct my credit report, I am seeking assistance through the Consumer Financial Protection Bureau to ensure that my rights under the FCRA are upheld, and that the erroneous information is properly rectified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-06 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: GA

Complaint narrative:
XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block 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 : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Personal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 ( FTC NUMBER ) as proof from the US Federal Trade Commission that all 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 2025-04-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
In XX/XX/XXXX I cosigned a parent plus loan for my daughter. After graduating she made payments under an income driven plan. 
However, the loan is now in forbearance due to the changes in government with the Department of Education. During the month of XXXX and XX/XX/XXXX these loans, as well as all of my personal information and my daughter and husband 's information was illegally viewed by unauthorized persons.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: NC

Complaint narrative:
XXXXXXXX XXXX XXXX use id reporting to my credit report that I missed 6 payments! NO I PAID OFF MY BALANCE AND ASKED FOR THE ACCOUNT TO BE CLOSED AND FOR THE PAYMENT HISTORY TO BE FIXED. I WASN'T WITH THEM LONG ENOUGH FOR THEM TO BE SHOWING ON MY CREDIT REPORT THAT I HAVE 6 MISSED PAYMENTS!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Subject : FORMAL DISPUTE - FCRA & FDCPA VIOLATIONS, CF PB ENFORCEMENT FAILURE, DEMAND FOR IMMEDIATE DELETION I am submitting this formal dispute under the FCRA, 15 U.S.C. 1681, and the FDCPA, 15 U.S.C. 1692, regarding multiple negative tradelines listed on my consumer file. These items are inaccurate, unverifiable, duplicative, and reported in connection with unlawful debt collection practices. Continued reporting of these items in light of known legal violations exposes your agency to liability under federal law. 
ITEMS IN DISPUTE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. FCRA 1681s-2 ( a ) ( l ) ( A ) : Prohibits the reporting of information known to be inaccurate.

2. FCRA 1681s-2 ( b ) : Furnisher 's duty to investigate and correct upon notice of dispute.

3. Internal Revenue Code 6050P : If a 1099-C has been issued, the debt has been canceled and is no longer legally collectible.

4. CFPB oversight failure strengthens my legal claim.

5. Metro 2/E-OSCAR non-compliance.

6. FDCPA 1692d, 1692c, 1692g : Harassment, failure to validate, illegal communication practices.

7. Has the account have been charged off and a 1099-C form issued or if the creditor reported these accounts as business losses for tax deduction purposes, they must be deleted under IRS regulations and FCRA due to the cancellation or non-ownership of the debt.

8. For any accounts currently being reported by third-party debt collectors, I demand a copy of the assignment contract or bill of sale proving lawful authority to collect and report this debt. 
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 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Subject : FORMAL DISPUTE - FCRA & FDCPA VIOLATIONS, CF PB ENFORCEMENT FAILURE, DEMAND FOR IMMEDIATE DELETION I am submitting this formal dispute under the FCRA, 15 U.S.C. 1681, and the FDCPA, 15 U.S.C. 1692, regarding multiple negative tradelines listed on my consumer file. These items are inaccurate, unverifiable, duplicative, and reported in connection with unlawful debt collection practices. Continued reporting of these items in light of known legal violations exposes your agency to liability under federal law. 
ITEMS IN DISPUTE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. FCRA 1681s-2 ( a ) ( l ) ( A ) : Prohibits the reporting of information known to be inaccurate.

2. FCRA 1681s-2 ( b ) : Furnisher 's duty to investigate and correct upon notice of dispute.

3. Internal Revenue Code 6050P : If a 1099-C has been issued, the debt has been canceled and is no longer legally collectible.

4. CFPB oversight failure strengthens my legal claim.

5. Metro 2/E-OSCAR non-compliance.

6. FDCPA 1692d, 1692c, 1692g : Harassment, failure to validate, illegal communication practices.

7. Has the account have been charged off and a 1099-C form issued or if the creditor reported these accounts as business losses for tax deduction purposes, they must be deleted under IRS regulations and FCRA due to the cancellation or non-ownership of the debt.

8. For any accounts currently being reported by third-party debt collectors, I demand a copy of the assignment contract or bill of sale proving lawful authority to collect and report this debt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-04-06 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: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and request the immediate removal of unauthorized inquiries and fraudulent accounts that have been reported on my credit file. I am a victim of identity theft, and this letter is accompanied by my official FTC Identity Theft Report as required under Section 605B of the Fair Credit Reporting Act ( FCRA ).

I did not authorize any of the following inquiries or accounts, and I have no knowledge of or relationship with these entities : Unauthorized Credit Inquiries : 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 XXXXXX/XX/XXXX Under the FCRA Section 605B, you are required to block this fraudulent information from appearing in my credit report within four business days of receiving this request, along with proper documentation. I have included a copy of my Identity Theft Report and identification for verification purposes. 

Please send written confirmation once these items have been removed. If you need additional information or documentation to investigate and resolve this matter, do not hesitate to contact me. 

Thank you for your prompt attention to 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 2025-04-06 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:
The account listed, from XXXX XXXX XXXX XXXX, appeared on my Experian credit report after I moved to a new address on XXXX XXXX XXXX The account is closed and paid but is reporting late payments. I do not recognize this account and believe it was added in error after my address update. It was not included in my previous credit report. 

I disputed the account twice with Experian. I also sent a certified letter requesting written documentation verifying the accuracy of the account and the method used to confirm it belongs to me. Despite this, I have not received a written response only a generic comment through the Experian portal claiming the account complies with 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 2025-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year> I deposited a certified and verified funds cashiers check from a business transaction into my business account at BMO Bank in XXXX XXXX, CA. The bank indicated because my account is still considered new, there will be a 10 day hold on my deposit. On the 10th day my cashiers check was fully cleared as promised. As I started to pay my contractors by cashier check, etc. I received 2 phone calls from the branch manager ( XXXX XXXX XXXXXXXX XXXX XXXXXXXX ). I was asked what was the purpose of the cashier check. I told the branch manager why I received the cashier check which was for the sale of one of my trucks that I own for my business and the same buyer loaned me money for a future business venture with the same business. I was told my account will be frozen until I provide proof which is beyond ridiculous. on XX/XX/year> I visited the branch in XXXX XXXX and provided the requested documents ( Bill of sale & notarized loan agreement ). The branch manager reviewed my legitimate documents and decided to call me on XX/XX/year> to tell me she will be keeping my account frozen for the next 90 days for further review.

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 2025-04-06 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: MI

Complaint narrative:
I requested and reviewed my credit reports and discovered some instances of late payments on an account for which I have always made my payments on time and in the full amount required. I understand that credit reporting agencies play a crucial role in accurately reporting consumer information therefore it is imperative that the information is accurately reported. Again, I have always made my payments on time and in the full amount required for the accounts identified in the files I will attach to this complaint. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.

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 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
As of XXXX Ive called a point of contact name XXXX XXXX XXXX she states that in order to save my home i must send her {$4300.00} then pay the mortgage {$320.00} x 's 3 times in one month each month equal up to {$900.00} and some change each and every month for 12 months.

Ive never heard of such repayment plan when you have valid proof of a Class Action Lawsuit FOR MISSING PAYMENTS AND SHELLPOINT REFUSED TO TAKE ANY PAYMENTS WHILE FIXING THE PREVIOUS ISSUE OF MISSING PAYMENTS.

I FEEL LIKE ITS MORTGAGE EXTORTION, MORTGAGE LOAN 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 2025-04-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I never requested to be with XXXX. I informed that who ever opened that account under my name stole my information and scammers in XXXX NC had got phones under my name without my knowledge. I don't know who the individual is that stole my info and got their phones or services but it wasn't me. I have at & t as a cell phone provider! I just so happened to check my credit report and saw that it was a balanced owed on there in the amount of {$2600.00}. I've already disputed this multiple of times with Equifax but they refuse to reinvestigate the issue and didn't allow me to submit another dispute because I already had submitted one and they DENIED IT. HOW CAN YOU DENY IT WHEN I DIDN'T DO IT! THEY AREN'T OPENLY INVESTIGATING DISPUTES. I DISPUTED IT WITH XXXX AND THEY REMOVED IT! @ BUT EQUIFAX CHOSE TO KEEP IT ON MY CREDIT REPORT!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
When I had submitted two fraudulent charges to Santander Bank, I was told I would receive a brand new card after I had asked the bank to put a block on my account until further notice. During the time it took for my card to arrive, I noticed charges come out of the account which put my balance into the negative and fees were then assessed. The bank rightly and fairly returned those fees. However, when I received my new debit card, I was stunned when I saw it was the same card number as the previous one which had been used in the prior fraudulent charges. I called the bank to let them know and also to request once again that my account be blocked to avoid further charges as my account was intentionally low until we had sorted the current issues. Unfortunately, I noticed two more charges come out of the account as I was waiting again for my new card, totaling {$30.00} which I think I should not be responsible for.

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 2025-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: AMERICAN EXPRESS COMPANY
State: AR

Complaint narrative:
For XXXX I was given a American express gift card for XXXX dollars. I have tried to use it every where and it just gets declined. I called them and they sent me to a line trying to get the card info that did not work. So for a couple of months now I have just had this useless card in my wallet until I found out about this website. Apparently I am not the only one who has issues with these things.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
To whom it may concern I have a few inquiries on my account I dont have knowledge of. XXXX XXXX inquiry date XX/XX/XXXX. XXXX XXXX Bank inquiry date XX/XX/XXXX. Checking my credit I discovered JPMCB Card inquiry date XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
So, I have initiated dispute of transactions with Goldman sachs Marcus account, now with the dispute they have just blocked access to my account. No bank does it. I am like totally out of account and can't even access my account. The account is locked and they are not ready to grant me access of the account, in spite of calling them multiple times. I have XXXX sitting in my account. This is so inhuman of them to block access to account.

Company response to consumer: Closed with explanation