vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-20 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:
Dear CFPB, I am writing to file a formal complaint regarding inaccurate information being reported on my credit reports by the XXXX major credit reporting agencies ( Equifax, Experian, and TransUnion ). The Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ), grants me the right to dispute any inaccurate or incomplete information on my credit reports. 

After thoroughly reviewing my credit reports from all three bureaus, I have identified several significant inaccuracies and discrepancies related to a charge-off reported by XXXX XXXX XXXX XXXX XXXXXXXX XXXX ). These discrepancies violate the FCRAs requirement for accurate, fair, and complete reporting. 

Nature of Inaccuracies Payment History Discrepancy : XXXX report indicates " No payment history available '', while another states " Youve made 73 % of payments for this account on time '', and a third states " Youve made 55 % of payments for this account on time ''. 
This conflicting information is misleading and inaccurate, and it violates the FCRAs mandate for consistent and accurate reporting. 

Last Activity Date Inconsistency : XXXX report lists the Last Activity Date as XX/XX/XXXX, another as XX/XX/XXXX, and the third as XX/XX/XXXX. 
These differing dates are problematic because they affect the statute of limitations and reporting period, directly impacting my XXXX XXXX. 

Charge-Off Status and Remarks : XXXX report shows " Profit and Loss Writeoff '', another shows " Charged Off Account '', and the third states " Unpaid Balance Reported As A Loss By XXXX XXXX ''. 
These inconsistencies create confusion and harm my creditworthiness. 

XXXX and XXXX XXXX : XXXX reports indicate 0 % left to pay, while the third report shows 73 % left to pay. 
This inconsistency significantly affects my financial profile and credit utilization ratio. 

Payment Calendar Inconsistency : The second report ( 73 % on-time payments ) shows significantly fewer missed payments compared to the third report ( 55 % on-time payments ), where several months are marked as XXXX, XXXX, XXXX, and XXXX days past due. 
These conflicting calendars create substantial inaccuracies, and it is unfair to report different payment timelines for the same account.

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 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint regarding inaccurate information being reported on my credit reports by the XXXX major credit reporting agencies ( Equifax, Experian, and TransUnion ). The Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ), grants me the right to dispute any inaccurate or incomplete information on my credit reports. 

After thoroughly reviewing my credit reports from all three bureaus, I have identified several significant inaccuracies and discrepancies related to a charge-off reported by XXXX XXXX XXXX XXXX XXXXXXXX XXXX ). These discrepancies violate the FCRAs requirement for accurate, fair, and complete reporting. 

Nature of Inaccuracies Payment History Discrepancy : XXXX report indicates " No payment history available '', while another states " Youve made 73 % of payments for this account on time '', and a third states " Youve made 55 % of payments for this account on time ''. 
This conflicting information is misleading and inaccurate, and it violates the FCRAs mandate for consistent and accurate reporting. 

Last Activity Date Inconsistency : XXXX report lists the Last Activity Date as XX/XX/XXXX, another as XX/XX/XXXX, and the third as XX/XX/XXXX. 
These differing dates are problematic because they affect the statute of limitations and reporting period, directly impacting my XXXX XXXX. 

Charge-Off Status and Remarks : XXXX report shows " Profit and Loss Writeoff '', another shows " Charged Off Account '', and the third states " Unpaid Balance Reported As A Loss By XXXX XXXX ''. 
These inconsistencies create confusion and harm my creditworthiness. 

XXXX and XXXX XXXX : XXXX reports indicate 0 % left to pay, while the third report shows 73 % left to pay. 
This inconsistency significantly affects my financial profile and credit utilization ratio. 

Payment Calendar Inconsistency : The second report ( 73 % on-time payments ) shows significantly fewer missed payments compared to the third report ( 55 % on-time payments ), where several months are marked as XXXX, XXXX, XXXX, and XXXX days past due. 
These conflicting calendars create substantial inaccuracies, and it is unfair to report different payment timelines for the same account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: CA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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:
Subject : Dispute Related to Social Security Breach Dear Sir/Madam, I am writing to formally dispute any inaccuracies in my Social Security account resulting from the breach that occurred in XXXX.I believe that my personal information has been compromised, leading to unauthorized access and potential fraudulent activities. I request that you conduct a thorough investigation into my account and take the necessary steps to correct any discrepancies that may have arisen from this incident. Enclosed with this letter are copies of any relevant documents that support my claim, including [ list any relevant documents, such as identification or notices ]. I appreciate your prompt attention to this matter and look forward to your response. Thank you for your assistance. 

Account Name : XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX ( XXXX XXXX : XXXX XXXX  ) Account Number : XXXX Reason : Unverified account

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 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: CA

Complaint narrative:
I am requesting a security freeze on my credit report under my rights granted by the Fair Credit Reporting Act ( FCRA ). This measure is necessary as I am disputing inaccurate information on my credit file and want to safeguard its accuracy and security during the process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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:
Equifax continues to report incorrect information on my credit profile. I submitted a police report to Equifax proving that I was a victim of identity theft and the account by XXXX  XXXX did NOT belong to me. This account was in the name of a XXXX XXXX and my name is XXXX XXXX that is the only name that I have ever had since birth. The alleged account was opened on XX/XX/2021 and was charged off in the amount of {$3600.00} XXXX deleted the account in XXXX, but now has allowed the account to re-occur on my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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: FL

Complaint narrative:
- These inquiries were not authorized by me, and I did not communicate with this under the specified 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 explanation
Consumer complaint received 2025-03-20 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: GA

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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 2025-03-20 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to formally file a complaint against Jefferson Capital for failing to provide proper debt validation as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I submitted a request for debt validation, but I never received the necessary documentation verifying the legitimacy of this debt.

Additionally, I disputed this debt with the credit bureaus, but it was never properly investigated, which violates my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. Under this law, credit reporting agencies are required to conduct a reasonable investigation when a consumer disputes an item on their credit report. Furthermore, furnishers of information, such as Jefferson Capital, have a legal obligation under 15 U.S.C. 1681s-2 ( b ) to investigate and correct any inaccurate or unverified information they report.

Given these violations, I request that the CFPB take appropriate action to ensure that all three credit bureaus comply with federal laws by providing the requested validation or removing the unverified debt from my credit report. I also ask that the credit bureaus conduct a proper investigation as required by law. 

Thank you for your time and assistance in resolving this matter. Please keep me informed of any updates regarding my complaint.

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 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to formally dispute incorrect information that appears on my credit report, this entry is erroneous, and I need it corrected immediately. Ive reviewed my credit report thoroughly and can confirm that the information listed is either inaccurate or does not belong to 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 2025-03-20 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 addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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: OH

Complaint narrative:
XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap.

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed.

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA these accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under XXXX XXXX. Sec. XXXX ( a ), XXXX, XXXX, XXXX, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under XXXX XXXX XXXX, XXXX, XXXX, XXXX these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, 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 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 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 2025-03-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
This complaint is regarding my mortgage company, Shellpoint Mortgage Servicing, and their continued attempts to fraudulently bill me for their error. 

On XX/XX/year>, Shellpoint sent me a letter admitting that they made an error and my account was " inadvertently identified as escrowed, '' and that a refund of {$4300.00} would be applied to my account as of XX/XX/year>. That letter is attached here. 

Their response is misleading and untrue, as they have sent me an " Annual Escrow Account Disclosure Statement '' in the mail ( attached ), dated XX/XX/year>, the same date they claimed the refund was applied. In this statement, they have now decided to take the {$4300.00} amount they claim to have refunded, divide it into 60 months which comes to {$73.00} per month, and add that onto my monthly mortgage. They have effectively raised my mortgage by {$73.00} starting XX/XX/year>, and are attempting to force me to pay them that amount. 

Their alleged refund is untrue, as they have just shifted the balance into my monthly payment.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: MN

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2025-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Dear Wells Fargo Dispute Resolution Department, I am writing to formally dispute an unauthorized transaction involving the withdrawal of funds from my checking account ending in XXXX to pay off a business credit card account ending in XXXX, that was already closed and charged off last year .This action was taken without my authorization and in violation of the Truth in Lending Act ( TILA ), as well as any applicable state laws governing unfair or deceptive banking practices. 

On XX/XX/year>, I discovered my account which shouldve have $ XXXX {$14000.00} in it, was depleted overnight and was showing only {$1000.00}. After calling in rage and desperation, I was informed by XXXX in your XXXX XXXX  department, that Wells Fargo took the action of appropriating over {$12000.00} from my personal checking account to pay the balance on the credit card that in her own words, was closed and charged off about XXXX months prior. Again, Wells Fargo criminally stole from my checking account to satisfy a debt on the credit card, which was previously closed and charged off.

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 2025-03-21 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: NY

Complaint narrative:
I sent a letter regarding inaccurate and unknown accounts on my credit report. I want this unauthorized inquiries account blocked from my credit report within 5BD

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 2025-03-20 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: MN

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

Company response to consumer: Closed with non-monetary relief