vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kriya Capital, LLC
State: NY

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalid, inaccurate and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 %. accurate on my credit report and under 15 U.S. Code 1681e ( b ) and 15 U.S. Code1681i ( 5 ). these accounts are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these accounts are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15U.S.C. & 1681 ( 7 ) Method of verification and description of reinvestigation procedure. 

Resolution As a consumer, by law my credit report must made 100 % accurate listed in my dispute letters attached. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
To Whom It May Concern, I am filing a formal dispute regarding inaccurate information listed on my credit report, as well as incorrect personal address information. Despite previously contacting the credit bureau directly, the items remain unresolved and are negatively impacting my credit standing.

1. **Personal Information Correction** The address listed under my personal information is incorrect. Please update it to reflect the following : [ Insert your correct address here ] 2. **Disputed Accounts** The following accounts listed on my credit report are inaccurate, outdated, or unverifiable, and I am requesting a full investigation and deletion if they can not be properly verified within the guidelines of the Fair Credit Reporting Act ( FCRA ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX ) Charged off - XXXX XXXX XXXXXXXX ( Acct XXXX XXXX ) Paid, Closed. {$880.00} written off - XXXX XXXX XXXXXXXX ( Acct # XXXX XXXX Paid, Closed/Never late XXXX XXXX XXXX XXXXXXXX XXXX Acct XXXX XXXX  ) Paid, Closed/Never late - XXXX XXXX ( Acct # XXXX ) Paid in settlement - XXXXXXXX XXXX ( Acct # XXXX ) Charged off - XXXX XXXX  ( Acct XXXX XXXX ) Charged off - XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX ) Closed - XXXX XXXX  ( Acct # XXXX ) Charged off - XXXX XXXX Acct # XXXX ) Paid, Closed These items should be verified or removed immediately as required under FCRA. I have attached documentation including proof of my identity, correct address, and a copy of the credit report with disputed items highlighted. 

Thank you for your assistance in resolving this matter promptly. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
To Whom It May Concern, I am filing a formal dispute regarding inaccurate information listed on my credit report, as well as incorrect personal address information. Despite previously contacting the credit bureau directly, the items remain unresolved and are negatively impacting my credit standing.

1. **Personal Information Correction** The address listed under my personal information is incorrect. Please update it to reflect the following : [ Insert your correct address here ] 2. **Disputed Accounts** The following accounts listed on my credit report are inaccurate, outdated, or unverifiable, and I am requesting a full investigation and deletion if they can not be properly verified within the guidelines of the Fair Credit Reporting Act ( FCRA ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX ) Charged off - XXXX XXXX XXXXXXXX ( Acct XXXX XXXX ) Paid, Closed. {$880.00} written off - XXXX XXXX XXXXXXXX ( Acct # XXXX XXXX Paid, Closed/Never late XXXX XXXX XXXX XXXXXXXX XXXX Acct XXXX XXXX  ) Paid, Closed/Never late - XXXX XXXX ( Acct # XXXX ) Paid in settlement - XXXXXXXX XXXX ( Acct # XXXX ) Charged off - XXXX XXXX  ( Acct XXXX XXXX ) Charged off - XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX ) Closed - XXXX XXXX  ( Acct # XXXX ) Charged off - XXXX XXXX Acct # XXXX ) Paid, Closed These items should be verified or removed immediately as required under FCRA. I have attached documentation including proof of my identity, correct address, and a copy of the credit report with disputed items highlighted. 

Thank you for your assistance in resolving this matter promptly. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: FL

Complaint narrative:
I have sent out a letter multiple times to each company and credit bureau requested about a date this account as that is a process that I need to do and I know they have 30 days to respond and I have not received anything and it's been away over three months

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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 sent out a letter multiple times to each company and credit bureau requested about a date this account as that is a process that I need to do and I know they have 30 days to respond and I have not received anything and it's been away over three months

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I entered into a loan modification agreement with Wells Fargo. I could not afford some of my original mortgage payments because of a divorce, taxes, and job relocation. Wells Fargo denied me the chance to continue the loan modification process and quickly sent my home to foreclosure proceedings in spite of the fact that I had secured a real estate agent and planned to sell the home. I followed Wells Fargo instructions to request Short Sale consideration by providing my Real Estate Agent XXXX XXXX 's information to the Loan Modification department and had the agent contact them as well with XXXX  listing info. Wells Fargo sold my home at the Sherriff 's auction on XX/XX/year> and the purchaser took possession of the home and removed all of my belongings before the sale was ratified. Because Wells Fargo acted so hastily with the foreclosure sale and ignored the request for Short Sale all of my belongings and possessions were in fact stolen or destroyed. The purchasers, XXXX XXXX XXXX, did not heed my calls to not enter the home before sale ratification so I could remove my belongings. They moved forward with illegally taking possession because of Wells Fargo unfair denial of a short sale. Quickly thereafter, the XXXX XXXX XXXX sold the house for over $ XXXX which would have paid my mortgage off completely had I been allowed the opportunity to sell the home. Wells Fargo 's unfair actions caused me to lose my home, my life 's belongings and caused deep mental anguish and strife.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: PA

Complaint narrative:
There are many accounts on my credit report that are not mine. I have repeatedly reported this to the credit bureaus, and they keep saying it's been verified but it can't possibly be verified since I did not open the accounts. None of the accounts have been paid and some collection accounts on there as well and they are not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: PA

Complaint narrative:
There are many accounts on my credit report that are not mine. I have repeatedly reported this to the credit bureaus, and they keep saying it's been verified but it can't possibly be verified since I did not open the accounts. None of the accounts have been paid and some collection accounts on there as well and they are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I noticed that these companies were listed in my inquiries and I do not authorize my credit to hard pulled from them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Cap One Auto Fin Via Dealer XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Theres a credit inquiry on my report that I dont recognize. I never applied with this company, nor did I authorize them to access my credit. Its causing me a lot of stress and concern as I have no idea why this happened.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: AMERICAN HONDA FINANCE CORP
State: MD

Complaint narrative:
My car was deemed a total loss XX/XX/year> my insurance company XXXX submitted a check to Honda financial in the amount of XXXX Honda failed to update the system to reflect the payment instead they kept everything going as a payment wasn't received then when the payment was reported the numbers wasn't fixed properly updated on XX/XX/XXXX round about I filed a gap claim thru easy care gap insurance which partners with Honda today is XX/XX/XXXX Honda financial is saying they haven't received the money easy care gap insurance sent me a correspondence XX/XX/XXXX saying they sent the money out to Honda financial my car been paid off and Honda isn't reporting and racking up Xtra fees to a balance paid but they haven't updated the system I also owned a portion of the vehicle before being totaled there refusing to give me any of my money back at the end of the day we both owned a Portion of the vehicle I will submit proof from my XXXX payment and XXXX payment thru gap which technically finalized the payment and contract

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: IL

Complaint narrative:
My student loan is missing from my credit report. It's a good trade line and I want it put back/ re-inserted to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: IL

Complaint narrative:
My student loan is missing from my credit report. It's a good trade line and I want it put back/ re-inserted to my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My student loan is missing from my credit report. It's a good trade line and I want it put back/ re-inserted to my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
i had a joint checking account at bank of america shared with my fiance, that had fraudlent charges for cryptocurrency on it. 

we filed a police report and had locked online ID and filed a case with the IC3 as well for identity theft. we had a break in at our warehouse in XXXX a year ago and some sensitive documents were stolen at the time. 

a total of roughly {$29000.00} of fraudulent charges was filed to the account, they originally credited our account while investigating it but then reversed the charges. they said the devices matched or was close to the ones that were used before. 

i had never used any of the apps that charged my account nor did i give permission to anyone to open an account and charge my checking account for these cryptocurrency charges. 

i'm at the end of the road on what to do as they keep denying my disputes for these charges and i cant be responsible for charges i did not authorize i have had a bank of america account for over a decade in good standing ( credit card checking and saving ) and never had an issue until now, which makes this so frustrating the account that was closed was shared with my fiance XXXX XXXX at bank of america my full name is XXXX XXXX the account address is XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX my phone and email is attached to this complain, i look forward to your assistance with this matter

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I accidentally deposited a personal check to my business account on XX/XX/XXXX, when I realized what I had done I immediately tried to cancel it out a stop payment delete it and I was told I couldnt do anything. I tried leaving a note on the account contacting TRUIST and nothing. On XXXX my business received payment via swift same as it had been and all of the sudden bills werent paid employees checks returned the works. I called in daily and finally was told they were investigating the account even though I had already informed them gave them information on what happened and everything. I was calling up to 4-5 times daily they refused to escalate because we hadnt had an account for two years I was lied to told they would release my funds and this drug out for over a week while I was informing them not only were my employees unable to pay bills but they were shutting off our internet phones web services not to mention I couldnt pay our salary in order to feed my children get gas or groceries. They then told me they were ending the relationship for fraud after I kept pushing and going into the branch gave me a check I cant deposit or cash because they forced closed our account and we have suffered irreparable harm on a business and personal front. I spoke to supervisor after supervisor and was even told by a bank agent they push all this digital on people but one honest mistake is easily overlooked as AI looks over the accounts and puts bad feedback in paychex and causes no bank to work with you. I have a XXXX check and no where to put it they gave me no options no ability to pay outstanding bills and are completely screwed. After they decided to end our relationship they also then said they had to review our swift payment we had gotten over a week and a half ago as if they did not negotiate and settle and accept the payment on the first. This is one of hundreds of cases that is able to be seen to customers from this bank. I need help removing these disparaging remarks and keeping us from opening an account to run our company we started back in XXXX not to mention so I can pay our bills. This has drained our personal accounts dry trying to keep us afloat XXXX we survived but TRUIST is going to take us out? Please I beg someone to do something to stop this sketchy institution. They are the ones committing shady acts. please help we cant survive much longer before it puts us out of business

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: COLUMBIA BANKING SYSTEM, INC.
State: ID

Complaint narrative:
Hello, this is a formal complaint after I attempted to open a bank account at the Umpqua Bank, XXXX, XXXX, XXXX XXXX Location. 
This location is a community bank location. There is a conference room and a desk-top bar that can be used by the public during open hours, when no other private events are being held which may interfere. 

I occasionally use this space when I do not wish to spend money on coffee in order to use wifi. 
I have noticed that the bank tellers form opinions and create gossip about each of their customers, sharing them after each customer has left the store. I also have attended the space for Italian language meetup, which is not held anymore. 
There is a bias against people who use public spaces in Idaho, including public transportation, public libraries, or even private spaces opened up to the public. I am not sure of what opinions were formed of me, a younger-appearing man who served in the XXXX XXXX XXXX and came from an underprivileged immigrant family, but I was denied when I attempted to open a bank account here, on XX/XX/year>. 
I was told to bring in a proof of address. I brought in a perforated payment slip from my recent employer. I was told, in-person, that this wasn't enough and to provide a second form. I pulled up a phone application from my apartment complex which verified my address and payment of rent. 
I was told the second form had to in-print, as well. 
I called another Umpqua bank branch and asked how many proofs of address I would need to open an account, and was assured that only one form is necessary. 
I'm not sure why these particular bank agents, who have seen me use their space 1-2 times a week for the past two years, decided to change the rules when I attempted to open a bank account. I have lived in XXXX since high school, and have made friends with many people from high school, university, the XXXX XXXX, and church, and have a good reputation in this city, which shouldn't even be necessary to bank where I live. 

I contacted Umpqua bank about this on XX/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 2025-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: FL

Complaint narrative:
On XX/XX/XXXX, I sent {$100.00} US dollars to a savings account at XXXX XXXX  XXXX in XXXX. I have repeatedly requested a refund because they haven't deposited it. They still haven't complied with my request, and I'm worried that the money will end up in my checking account in the United States.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-10 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: RI

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: VA

Complaint narrative:
I am writing to formally dispute one or more unauthorized hard inquiries that appear on my credit report. I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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:
Im in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this account immediately re-investigated. The inaccuracies are highly injurious to my credit score account name : XXXX XXXXXXXX XXXX XXXX account number : XXXX In accordance with the Fair Credit Reporting Act, public law 91-506, Title XI, section 611, provide the names and business addresses of the individuals with whom you verified the above so that I may follow up. Please send me an updated copy of my credit report after your re-investigation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: AZ

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with explanation