vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-22 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: GA

Complaint narrative:
I request the immediate removal of unauthorized accounts from my credit report. These accounts were not opened or authorized by me, and I am unaware of their source. Under USC 1681g, I formally ask that they be deleted within 15 days. Please find enclosed documents for reference. Moreover, the reported account details vary across different credit bureaus.

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 2025-03-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
The company XXXX XXXX is trying to collect a debt on behalf of the original creditor XXXX XXXX XXXX unfortunately the company listed above ( XXXX XXXX XXXX ) DOES NOT exist and has went bankrupt in XX/XX/year>. The collection agency XXXX XXXX can not collect a debt on behalf of a company that no longer exists ; the account is nonexistent with XXXX XXXX XXXXXXXX and the debt does not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX ; Collection Reported XX/XX/XXXX ; Assigned XX/XX/XXXX ; Creditor Class - XXXX ; Original Creditor - XXXX XXXX  ; Amount - {$560.00} ; Status as of XXXX Unpaid ; Date of 1st Delinquency XX/XX/XXXX ; Balance as of XX/XX/XXXX - {$560.00} ; Individual Account ; Account # - XXXX ; I disputed this account in XXXX, and Equifax deleted it from my credit report. It keeps reappearing. I disputed this information again on XX/XX/XXXX and nothing was sent to me that this is my account. I would like this deleted from my account. In the FCRA, Congress put express requirements on companies with respect to information that can not be verified. Those requirements would be meaningless if companies could continue providing unverified information and telling credit reporting companies that they could continue sharing it. This has not been verifed by Equifax please remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
I was behind on my payment due the Covid and after that has been hard for me to find a stable job so indeed they give me XXXX months to modification plan but on the first month XXXX was XX/XX/year> they said was not enough money to pay my house so I contacted the bank and they said that the mortgage company never attempted to get the money out of my account and besides that I was emailing the company saying please take the monthly payment and they never responded and then I was gon na do the second payment for the month of XXXX and I find out that my house is on foreclosure and that not even send me a notification about that so I do t know what to do I dont have a job and they about to take my house away u less I pay XXXX dollars to be up to a date w my payments and I do t know what Im going to do

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I AM A VICTIM OF THE RECENT DATA BREACH PLEASE REMOVE AND BLOCK THESE ACCOUNTS DUE TO THE RECENT DATA BREACH [ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX, PA, XXXX ] [ XXXX ] [ XXXX ] [ XXXX ] [ TRANSUNION ] [ XXXX XXXXXXXX XXXX  ] [ XXXX, PA, XXXX ] Subject : Formal Dispute of Inaccurate Information Under FCRA ( 15 U.S.C. 1681n & 15 U.S.C. 1681o ) Dear [ TRANSUNION ], I am writing to formally dispute inaccurate information on my credit report under my rights granted by the Fair Credit Reporting Act ( FCRA ). The following item ( s ) on my report contain errors and must be investigated and removed immediately : [ XXXXXXXX ] Account # [ XXXX ] Nature of Dispute : [ fraudulent account ] According to 15 U.S.C. 1681i, you are required to conduct a reasonable investigation of this dispute within 30 days. If the information is found to be inaccurate or unverifiable, it must be deleted or corrected.

Additionally, under 15 U.S.C. 1681n, if you fail to comply with the FCRAs requirements willfully, you may be liable for actual damages, statutory damages of up to {$1000.00} per violation, punitive damages, and attorney fees. Under 15 U.S.C. 1681o, if noncompliance is due to negligence, you are still liable for damages, including legal costs.

I demand that you correct or delete the inaccurate information from my credit report immediately. Please provide me with a written response detailing the results of your investigation. If the disputed item is not corrected, I will explore all legal remedies available to me. 

Enclosed are copies of supporting documents [ list documents such as a copy of your credit report with the inaccurate item highlighted, proof of identity, statements, etc. ] to assist in your investigation. 

Please respond in writing to the address above within the required timeframe. 

Sincerely, [ 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 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-03-22 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: IL

Complaint narrative:
I am writing to formally dispute the presence of unauthorized hard inquiries on my credit report. I recently obtained a copy of my credit report and noticed the following inquiries, which I did not authorize I do not have any open accounts with either lender however my information has been obtained in a data breech for XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> According to the Fair Credit Reporting Act ( FCRA ), only authorized inquiries should appear on my report. I do not recall giving permission for these companies to access my credit file, and I request that they be removed 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 explanation
Consumer complaint received 2025-03-22 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: CA

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle.

I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : LATE OPEN XXXX XXXX {$1100.00} date Open : 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 2025-03-22 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 6o2 states I have the right to privacy. 15USC 1681 Section 6o4a Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15USC1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Furthermore, Nordstrom discontinued a method of payment via digital text processing and failed to notify me through my proper address. The payment was processed and did not go through on their end. They told me they could not change this since it was an address issue but they didnt provide any other method of communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: Servicer under contract with Federal Student Aid
State: GA

Complaint narrative:
During the student loan payment pause, my servicer was changed from XXXX to XXXX. Since payments have resumed my autopay has been arbitrarily canceled and my due date changed. When my PLUS loan payments started, things only got worse because my XXXXXXXX XXXX XXXX loans are due on the XXXX of each month, while the PLUS loans are due on the XXXX. Now, because of all of the arbitrary due date changes and autopay cancelations and restarts, my PLUS are paid ahead to XXXX XXXX but XXXX is still going to debit my checking account in the next day or so for another payment which will prepay me to XXXX. My PLUS loan payments are almost {$1700.00} per month. That's more than {$5000.00} they have or will have of my money which they say I have to request a refund which can take 3-4 weeks. This has been the biggest nightmare, one that I did not have with XXXX or XXXX XXXX before that. PLEASE HELP.

Company response to consumer: Untimely response
Consumer complaint received 2025-03-22 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: TX

Complaint narrative:
I've recently checked my credit reports and found several unauthorized inquiries. Please delete these : 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

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 2025-03-22 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've recently checked my credit reports and found several unauthorized inquiries. Please delete these : 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

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 2025-03-22 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: NJ

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : Experian ***** XXXX XXXX XXXX Account information : XXXX Date opened : XX/XX/XXXX Balance : {$18000.00} XXXX Account information XXXX Date opened : XX/XX/XXXX Balance : {$9700.00} XXXX Account information : XXXX Date opened : XX/XX/XXXX Balance : {$1300.00} XXXX XXXX  account information XXXX Dates opened : XX/XX/XXXX Balance : {$1000.00} TransUnionXXXX XXXX XXXX XXXX Account information : XXXX Date opened XX/XX/XXXX Balance : {$18000.00} XXXX Account information : XXXX Date opened : XX/XX/XXXX Balance : {$9700.00} XXXX Account information : XXXX Date opened : XX/XX/XXXX Balance : {$1300.00} XXXX XXXX  Account information : XXXX Date opened : Date opened : XX/XX/XXXX Balance {$1000.00} Equifax***** XXXX XXXX XXXX Account XXXX : XXXX Date opened : XX/XX/XXXX Balance : {$18000.00} XXXX XXXX Account information XXXX XXXX Date opened : XX/XX/XXXX Balance : {$1300.00} XXXX XXXX Account information : XXXX Date opened : XX/XX/XXXX Balance : {$9700.00} XXXX XXXX Account information:XXXX Date opened : XX/XX/XXXX Balance : {$1000.00}

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 2025-03-22 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: NJ

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: MD

Complaint narrative:
My letters arrived at the bureau on XXXX and I called on XXXX I told them I wasnt a third party. They refused to read and verify my letters. I filed a ftc report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 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: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I am filing a complaint against Wells Fargo for conducting a hard credit inquiry on my ( XXXX XXXX ) and my boyfriend ( XXXX XXXX ) 's credit report without our informed consent. 


On XXXX we spoke with a Wells Fargo representative regarding a loan inquiry. we explicitly asked if the credit check would be a soft pull, and the representative assured me that it would not affect my credit score. However, we later discovered that a hard inquiry was placed on my credit report without my consent.

we immediately contacted Wells Fargo to address this issue, but we have not received a satisfactory resolution. A hard inquiry can negatively impact my credit score, and since I was misled about the nature of the credit check, I believe this was an unfair and deceptive practice. And even if I asked the representative to stop the wrong application and start the dispute, they still ask for more materials from us to complete the wrong application This misleading practice is unfair to consumers, and I kindly ask for help from CFPB to investigate and take appropriate action please. 

Additional information : the company that pulled our credit report is called credo. walls fargo is working with them to get credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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:
This account is fraudulent never had opened an account with them I had submitted an identity theft for 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 2025-03-22 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: MS

Complaint narrative:
I Am filling a complaint regarding inaccurate items on my credit report that includes, inaccurate spelling of my name, inaccurate and outdated addresses and inaccurate employers that are negatively impacting my credit. Despite my many efforts to resolve this directly with the reporting agency, it remains unresolved resulting in inaccuracies reporting on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: MS

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: GA

Complaint narrative:
Pursuant to 18 USC 8, I owe no debt, this company violating my consumer right to privacy pursuant to 15 USC 1681 b 2. company has also no permission to report anything using my info pursuant to 15 USC 1681 4.

I have not supplied proof under the doctrine of estopper by silence, Engelhardt v Gravens ( mo ) 281 SW 715, 719 1 Presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

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 2025-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint against XXXX XXXX XXXX regarding an account I have with them, [ Account Number/Reference Number ]. I believe that this account needs to be removed from my credit report due to error, fraud, and be remove Here are the details of my complaint : Creditor Name : XXXX XXXX XXXX Account Number/Reference Number : XXXX Date the Account Was Opened : XXXX I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with XXXX XXXX XXXX buttonoavail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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 am demanding the removal of this incorrect and misleading information from my credit report. It blatantly violates multiple sections of the Fair Credit Reporting Act ( FCRA ). Under Section 604 ( a ), you are only permitted to allow access to my credit report for specific, permissible purposes. Im questioning whether this data even meets that standard.

Under Section 611 ( d ), any unverifiable information must be removed from my credit report during the reinvestigation process. I expect a thorough and immediate review of this data, and the deletion of anything you can not verify.

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