vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Upstart Holdings, Inc.
State: CT

Complaint narrative:
I am filing a formal complaint against XXXX XXXX XXXX regarding their failure to comply with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) in relation to a debt they claim to have acquired from Upstart. 


XXXX. Lack of Proper Notification from Upstart : My original creditor, Upstart, failed to notify me that my account was sold to XXXX XXXX XXXX, which I believe is a breach of my loan agreement. 
XXXX. Failure to Provide a Debt Validation Notice : XXXX XXXX XXXX did not send me a debt validation notice within five days of acquiring the account, as required by 15 U.S. Code XXXX of the FDCPA. 
I only became aware of their claim when I checked my credit report and saw a negative entry from them. 
XXXX. Inaccurate Credit Reporting Without Proper Validation : Despite failing to validate the debt, XXXX XXXX XXXX reported the account to the credit bureaus, damaging my credit. 
Under the FCRA ( 15 U.S. Code 1681s-2 ), furnishers of credit information must ensure accuracy and can not report unverifiable debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Midland credit management is calling me XXXX to 5 times a day every day including Sundays at all hours of the day, counting me over a debt of less than {$1000.00}. I blocked XXXX number, they contact me from another. I told them on a recorded line to season desist and they are failing to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I was notified My personal information was involved in a data breach. I have many spam calls and fraudlent accounts reporting to my credit profile. According to the Fair credit reporting act Section 609 ( a ) ( 1 ) ( A ) and us code 1681e, 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 consumer report. Otherwise, anyone paying for your reporting services could fax, mail, 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. I demand the accounts to be removed immediately. This is causing many difficulties in my life. XXXXXXXX XXXX XXXX XXXX {$10000.00} ** XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX {$18000.00} **please remove XXXXXXXX XXXX XXXX XXXX inquiry **

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I was notified My personal information was involved in a data breach. I have many spam calls and fraudlent accounts reporting to my credit profile. According to the Fair credit reporting act Section 609 ( a ) ( 1 ) ( A ) and us code 1681e, 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 consumer report. Otherwise, anyone paying for your reporting services could fax, mail, 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. I demand the accounts to be removed immediately. This is causing many difficulties in my life. XXXXXXXX XXXX XXXX XXXX {$10000.00} ** XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX {$18000.00} **please remove XXXXXXXX XXXX XXXX XXXX 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
Consumer complaint received 2025-03-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On my most recent job, I was paid weekly. I paid my Wells Fargo Home Mortgage bi-weekly. When I received my layoff notice, I paid my mortgage weekly XXXX and XX/XX/XXXX. 

On XXXX, XXXX, XXXX XXXX, and XXXX XX/XX/XXXX, I made payments of {$560.00} each from my Wells Fargo Bank Checking account. Unfortunately, the payment I noticed the XXXX XXXX payment was not credited to my account. As my goal was to pay my mortgage to XX/XX/XXXX. I have spoken to a bank representative 3 times with them always saying that all the payments have been credited. 

However, the deduction did not show on my bill pay to my mortgage just my checking account. I believe an employee has removed the records from the mortgage and bill pay, but could not delete the records from my checking account because these are separate departments. 

I have sent them a copy of my XXXX and XXXX statements but continue to be put off. If someone internally did this to me, I believe they have done this to other account holders and want them to be exposed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silenceXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
I booked a hotel for a funeral last XX/XX/year> at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Texas. I booked through i guess was a third party. The amount was for XXXX and i used my citibank double cash credit card to make the purchase. I then realized it was cheaper to book through the actual hotels website so i called the third party to cancel. They told me they would send a letter to the hotel and as long as the hotel signs and approves the refund i would receive my money back. I then booked directly with the hotel. Upon checking in we discovered poop all over our floor and blood stained on our sheets. They didn't have another room to provide to us or staff to clean the room, or extra bedsheets. So we ended up requesting a refund directly from the hotel as we could not stay there it was uninhabitable. The hotel gave us a full refund. Weeks later i still noticed i was charged from the third party so i contacted the actual hotel and they stated they sent the refund letter to the third party. I called citibank to dispute the charge. I sent them the documentation of the room confirmation, the photos of the uninhabitable room and explained what had happened.. It has now almost been a year and they are still saying the third party refuses to refund us. I called the third party and they said because i filed a dispute they refuse to refund me even though we didnt stay at the hotel, they were provided all the pictures and the hotel signed the refund letter. I do not know what to do but i want my {$560.00} back. I am completely enraged that my own credit card company doesn't have my back! I am the consumer! 

The third party phone number is XXXX and my confirmation # is 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 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

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 explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX Legal Grounds XXXX Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX My correct date of birth XXXX XXXXXX/XX/year> My correct Social Security XXXX My correct address is : XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
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 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX - XXXX XXXX - XXXXXXXX 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 XXXXXX/XX/XXXX 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 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
I hope you're well. Im reaching out because Ive discovered an account on my credit report that I know was opened without my consent and through fraudulent means. This was an unauthorized use of my identity, and Im demanding that it be removed from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I am writing to formally file a complaint regarding an issue with my credit report and the refusal of a credit bureau to delete certain charged-off debt items, despite the issuance of a 1099-C ( Cancellation of Debt ) under event codes 6 and 7.

The 1099-C issued included event code
s 6 and 7, which indicate that the creditor has canceled the debt and has reported it as such to the IRS. This cancellation should result in the removal of the associated charged-off debt from my credit report. 
However, despite this, they has refused to delete the charged-off item from my credit report. The debt remains as a negative item, continuing to impact my credit score.

I have attempted to resolve this matter by contacting them directly but they have refused to remove the item. 
I am requesting that the CFPB take the following actions : Investigate the refusal of the credit bureaus to delete the charged-off debt in question. 
Ensure that the credit bureau complies with reporting requirements concerning debts that have been canceled and are no longer owed, per IRS guidelines. 
Provide me with any necessary steps to escalate the matter if the credit bureau continues to refuse to remove the inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I am writing to formally file a complaint regarding an issue with my credit report and the refusal of a credit bureau to delete certain charged-off debt items, despite the issuance of a 1099-C ( Cancellation of Debt ) under event codes 6 and 7.

The 1099-C issued included event code
s 6 and 7, which indicate that the creditor has canceled the debt and has reported it as such to the IRS. This cancellation should result in the removal of the associated charged-off debt from my credit report. 
However, despite this, they has refused to delete the charged-off item from my credit report. The debt remains as a negative item, continuing to impact my credit score.

I have attempted to resolve this matter by contacting them directly but they have refused to remove the item. 
I am requesting that the CFPB take the following actions : Investigate the refusal of the credit bureaus to delete the charged-off debt in question. 
Ensure that the credit bureau complies with reporting requirements concerning debts that have been canceled and are no longer owed, per IRS guidelines. 
Provide me with any necessary steps to escalate the matter if the credit bureau continues to refuse to remove the inaccurate information.

Company response to consumer: Closed with non-monetary relief