vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-23 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: TN

Complaint narrative:
I am writing to inform you that I recently discovered that my credit report contains information that has been adversely affecting my creditworthiness. I want to inform you no one helped me put my credit file together, and therefore, please stop trying to hold up my request for you to delete and block information on my file. As such, I am requesting that you proceed with deleting and blocking any adverse information that may be present in my credit report in accordance with Section 605c of the Fair Credit Reporting Act ( FCRA ). This includes any information that can not be verified, is outdated, or has been reported in error. I would also like to request a copy of my updated credit report after the information has been removed or blocked. I understand that you have 4 days to do this according to 605c, and I kindly request that you provide a written response outlining your findings and actions taken. Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any further information. In accordance with the Fair Credit Reporting act. The List of accounts include the following XXXX XXXX XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Accounts listed in images has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. HIPPA has a private rule that mandates that your personal medical information may not be shared unless there is permissible reason for doing so. In order for a collection agency to verify your debt they will need to access your medical information. If they have access to this information, your rights under the HIPPA law have been violated. XXXX XXXX  with the amount of XXXX has violated my HIPPA RIGHTS I would like to remind any credit bureau and collection agency that if they fully validate the validation letter on medical bills that they are violating HIPPA regulations and are doing CRIMINAL ACTIVITY. HIPPA doesn't allow the release of medical information to any third party. PLEASE BLOCK AND REMOVE THIS 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 2025-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: SOFI TECHNOLOGIES, INC.
State: IL

Complaint narrative:
On Friday XX/XX/year> I had decided to open an account with SoFi bank and discovered that my email had already been registered with XXXX having an account with them. However, the account was opened in XXXX XXXX.To which I had never opened an account in my legal name no any other name. I had requested the password to be changed. Once I was able to change the password on this alleged account. I had discovered that XXXX XXXX, had opened an account with SoFi using my social security number, mailing address including my mobile number and email. SoFi didn't due a diligent security in opening this account with my information. Especially having the legal name as being XXXX XXXX matching my legal name with my social security number and other personal information. 
I find it strange that SoFi requires a two step security verification to login into the SoFi bank account yet no security security verification in opening up a new account. 
I had contacted SoFi security concerning this issue on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
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  INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-03-23 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:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
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  INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-03-23 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to inform you that I am in the process of updating my personal information with Equifax. I understand the importance of ensuring the accuracy of my credit report and have taken the necessary steps to make these updates. 

Please consider this notice as part of my efforts to ensure that all of my personal data is current and accurately reflected with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: DC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-03-23 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: IN

Complaint narrative:
on XX/XX/year>, XXXX XXXX XXXX, on behalf of XXXX XXXX XXXX, posted a credit collection on my credit report that harmed my credit score. I paid XXXX XXXX my last monthly premium on the due date before I ended my service with them. I do not owe them any money at all.

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 2025-03-23 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: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: AK

Complaint narrative:
I opened this account after leaving my abusive husband. I was being stalked and my funds were very important for my safety. I was constantly over drawn, charged hundreds sometimes, leaving me stranded. I never knew what my account has in it. I was on the phone almost every day trying to get things straightened out. You'll see, fees were often put back into my account, however this still left me broke and never knowing what to expect. I appreciate your plain language act, I really do and can only say that my experience with wells Fargo while trying to start a safe healthy life, was horrible and frightening. I had to walk through a dangerous city home one night because I didn't have cave fare, only to be robbed and XXXX at XXXX, and everything stolen, id, social security cards, money, ECT. All of this information should be in Wells Fargo records, because I told them, daily. I finally made it home in Alaska, closed my account, and feel like I deserve Justice and the rest of my fees back. Not all of my fees were refunded, just what they felt like at the time. That doesn't even begin to cover the ambulance and hospital bills, laptop and medicine. I could go on, but won't. Thank 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 2025-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
I lost my card a transaction was made on my card I tried to get a refund I was told it was fraudulent and I couldnt get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Dear Sir/Madam, I am writing to formally file a lawsuit and complaint against Ocwen Financial Corporation for breach of contract, failure to protect under federal bankruptcy protection, and the significant distress and financial hardship caused by the lender 's fraudulent and misleading practices related to my mortgage loan. The actions of the lender have had profound and lasting impacts on my life, including personal, emotional, and financial damages spanning from XXXX through XXXX. Background Information Loan Information : Loan Number : XXXX Property Address : XXXX XXXX XXXX, XXXX, CA XXXX Bankruptcy Case Information : Case Number : XXXX Filing Date : XX/XX/XXXX Closed Date : XX/XX/XXXX Nature of the Complaint Breach of Contract : Misrepresentation of Loan Terms Improper Loan Servicing Violation of Bankruptcy Protections :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am filing a complaint regarding violations of my rights under the Fair Credit Reporting Act ( FCRA ), specifically FCRA 605B ( 15 USC 1681c-2 ). I have reported an identity theft incident and submitted a formal dispute to the three major credit bureaus ( XXXX, XXXX, and XXXX ), accompanied by an FTC Identity Theft Report. Despite my attempts, all three bureaus have failed to respond to my correspondence or update my credit reports within the required timeframe of 30 days.

Under FCRA 605B, I am entitled to have fraudulent information blocked from my credit reports after providing proper documentation, including proof of identity theft. However, my reports remain unchanged, and no actions have been taken to comply with federal law. This lack of response constitutes a violation of my rights as outlined in FCRA 
and related sections under 15 USC 6508, 68026805, 6881 regarding consumer privacy and data protection.

I request immediate enforcement of my rights under the FCRA and prompt resolution of these failures to comply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 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: Bridgecrest Acceptance Corporation
State: NY

Complaint narrative:
I asked them to remove all negative fraudulent marks from my account, and all addresses from all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX XXXX  XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 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: IL

Complaint narrative:
I am writing to formally dispute a fraudulent collection account that has been reported on my TransUnion credit file. This account is the result of identity theft, and I am requesting its immediate removal. The details of the account are as follows : Collection Agency : XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Balance Reported : {$740.00} Date Opened : XX/XX/year> I, XXXX XXXX, am a victim of identity theft. I have never opened, authorized, or had any involvement with an account with either XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. This account was opened fraudulently without my consent or knowledge. 

Upon discovering the fraudulent account, I submitted both an FTC Identity Theft Report and a signed Identity Theft Affidavit to XXXX XXXX XXXX XXXX. I also requested the removal of the account from all credit reporting agencies. Despite providing legitimate and timely documentation, the agency has failed to comply with federal law by continuing to report the inaccurate account and refusing to conduct a reasonable investigation. 

This is a clear violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Furthermore, I have verified through the Illinois Department of Financial and Professional Regulation ( IDFPR ) that XXXX XXXX XXXX XXXX does not hold a valid license to collect debt in the State of Illinois, making any collection efforts they have engaged in against me unlawful.

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 2025-03-23 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: NM

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of a loan account with XXXXXXXX XXXX XXXX opened on XX/XX/XXXX, a collection account with XXXX  opened on XX/XX/XXXX, and a medical collection account with XXXX XXXX XXXX opened on XX/XX/XXXX. 

In addition, the following unauthorized hard inquiries must also be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I have attached a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize these accounts or inquiries as reported. These items appearing on my consumer credit report were not opened, made, or initiated by me and are all the result of identity theft and fraud. Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts and inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 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:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by thelawtodoso. 
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 2025-03-23 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX SS XXXX I have addresses and inquires on my credit report that do not belong to me. 
My current and only address is XXXX XXXX XXXXXXXX XXXX XXXX OH XXXX. PLEASE delete the following addresses XXXXXXXX XXXX XXXX XXXX XXXXXXXX OH XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX OH XXXX, XXXX XXXX XXXXXXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. 
I THE FOLLOWING INQUIRES ARE UNAUTHORIZED PLEASE DELETE : 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. I dont

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 2025-03-23 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX SS XXXX I have addresses and inquires on my credit report that do not belong to me. 
My current and only address is XXXX XXXX XXXXXXXX XXXX XXXX OH XXXX. PLEASE delete the following addresses XXXXXXXX XXXX XXXX XXXX XXXXXXXX OH XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX OH XXXX, XXXX XXXX XXXXXXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. 
I THE FOLLOWING INQUIRES ARE UNAUTHORIZED PLEASE DELETE : 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. I dont

Company response to consumer: Closed with non-monetary relief