vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-31 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: 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 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against Equifax Credit Bureau regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, I discovered discrepancies in the following account ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Under Section XXXX of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, [ Credit Bureau Name ] has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness.

In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: MI

Complaint narrative:
Consumer Name : ( Strawman Name Goes Here ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of inaccurate, and false information consists of a late payment XXXX Account # : XXXX date XX/XX/year>. Ive made several attempts to this company to stop reporting inaccurate information on my credit report, they refuse to do so and its causing me a world of trouble and stress. They did not complete a Social Security Form 3288 ( XXXX ), which is required for permissible purpose under FCRA. This raises serious concerns about the legitimacy of the information reported, as well as the adherence to privacy regulations. I obtained my credit report it is reporting numerous inaccurate negative accounts. This has not only damaged my right to extend credit but it has made loose hope and trust within the banking system. I have been denied credit cards home loans because of this and my character has not only been defamed but my mental and physical health have suffered greatly. There is no law that says a consumer reporting agency MUST furnish information about a consumer which is why congress made it very clear that experian, transunion, equifax ASSUMED this VITAL role pursuant to 15 USC 1681 ( a ) ( 3 ). Also, Experian, transition, equifax failed to be fair and respect my privacy according to 15 USC 1681 ( a ) ( 4 ). I am requesting valid proof and documentation that these negative items were investigated fairly and properly. Experian, Transunion, and Equifax is in violation of several federal laws including responsibility they have to protect my privacy. Im giving experian, equifax, and transunion the opportunity to make this matter right by way of the following REMOVE LATE PAYMENTS.

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 2025-03-31 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, 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 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 2025-03-31 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:
My TransUnion credit report shows three accounts that were opened fraudulently without my knowledge : XXXX XXXX Opened XX/XX/XXXX Account ends in XXXXXX XXXX XXXX  / XXXX XXXX  Opened XX/XX/XXXX Account ends in XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Account ends in XXXX Additionally, there are two unauthorized hard inquiries on my file : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I did not authorize these inquiries or accounts. Ive submitted an FTC Identity Theft Report to document this identity theft.

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 2025-03-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LoanCare, LLC
State: FL

Complaint narrative:
I filed an application for a deed in lieu over a month ago. I have been having issues trying to get a completed application because I keep getting the run around on what is needed from my loan servicer. I am still yet to have a complete application as they keep adding more things on that I need and this is an issue as every new month comes they want updated documents. This is causing me stress as I have to figure out my next move and finances. Nobody can get me an exact answer to help get me in the process for the next step. I am at the point of taking them to court to get my issues resolved. I feel they are not doing their job sufficiently and are delaying the process on purpose so they can keep receiving payments. I am trying to do the best thing for both parties but I feel that all that I can do is purposely default on the loan in order to get the issue to be taken seriously.

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 2025-03-31 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 not supplied proof under the doctrine of estoppel by silence, 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 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 2025-03-31 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: CT

Complaint narrative:
I am filing this complaint regarding inaccurate and inconsistent reporting of the XXXX  XXXX account on my credit reports. The incorrect information is harming my credit profile, and I am requesting that this account be removed entirely due to reporting errors. Below are the discrepancies : 1. Incorrect Payment Status on Experian : Experian is reporting a Late XXXX  Days status for this account. This is inaccurate, as I have never made a late payment. This false information is negatively impacting my credit score.

2. Inconsistent Account Status Across Bureaus : TransUnion correctly lists the account as Closed, while Experian and Equifax list it as Paid. Since this was a secured installment loan, the status should be uniform across all bureaus.

3. Incorrect Last Reported Date on Equifax : Equifax shows the last reported date as XX/XX/XXXX, which is incorrect because this account was closed in XXXX and should not have been updated in XXXX. 
4. Account Closure Discrepancy : TransUnion states the account is XXXX, but Experian only marks it as XXXX  without explicitly stating it is closed. The account should be marked as XXXX  on all bureaus. 
5. Potential Unauthorized Reporting Activity : The continued updates and inconsistent reporting of this account, especially the recent XX/XX/XXXX update on Equifax, suggest that the furnisher may be reporting inaccurate or outdated information. 

Desired Resolution : Remove the XXXX account entirely from my credit report due to inaccurate and inconsistent reporting. 
Correct the payment status on Experian by removing the incorrect Late XXXX  Days mark. 
Ensure consistency across all bureaus regarding the account closure status. 
Investigate the unauthorized update on XXXX and prevent any further inaccurate reporting. 

I have attached a copy of my credit report highlighting these errors for your review. I request that this matter be investigated promptly, and I expect a resolution within the legally mandated timeframe. 

Thank you for your time and attention to 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 non-monetary relief
Consumer complaint received 2025-03-31 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: CT

Complaint narrative:
I am filing this complaint regarding inaccurate and inconsistent reporting of the XXXX  XXXX account on my credit reports. The incorrect information is harming my credit profile, and I am requesting that this account be removed entirely due to reporting errors. Below are the discrepancies : 1. Incorrect Payment Status on Experian : Experian is reporting a Late XXXX  Days status for this account. This is inaccurate, as I have never made a late payment. This false information is negatively impacting my credit score.

2. Inconsistent Account Status Across Bureaus : TransUnion correctly lists the account as Closed, while Experian and Equifax list it as Paid. Since this was a secured installment loan, the status should be uniform across all bureaus.

3. Incorrect Last Reported Date on Equifax : Equifax shows the last reported date as XX/XX/XXXX, which is incorrect because this account was closed in XXXX and should not have been updated in XXXX. 
4. Account Closure Discrepancy : TransUnion states the account is XXXX, but Experian only marks it as XXXX  without explicitly stating it is closed. The account should be marked as XXXX  on all bureaus. 
5. Potential Unauthorized Reporting Activity : The continued updates and inconsistent reporting of this account, especially the recent XX/XX/XXXX update on Equifax, suggest that the furnisher may be reporting inaccurate or outdated information. 

Desired Resolution : Remove the XXXX account entirely from my credit report due to inaccurate and inconsistent reporting. 
Correct the payment status on Experian by removing the incorrect Late XXXX  Days mark. 
Ensure consistency across all bureaus regarding the account closure status. 
Investigate the unauthorized update on XXXX and prevent any further inaccurate reporting. 

I have attached a copy of my credit report highlighting these errors for your review. I request that this matter be investigated promptly, and I expect a resolution within the legally mandated timeframe. 

Thank you for your time and attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168b permissible purposes of consumer reports. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBE:XXXX ACCOUNT NAME : XXXXXXXX XXXX ACCOUNT XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBE : XXXXXXXXXXXXX**** ACCOUNT NAME : XXXX ACCOUNT XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT XXXX ACCOUNT XXXX XXXXXXXX XXXX ACCOUNT NUMBEXXXX ACCOUNT NAMEXXXX XXXX XXXX XXXX NA ACCOUNT XXXX ACCOUNT NAME:XXXX XXXX XXXX XXXX  ACCOUNT XXXX ACCOUNT NAME : XXXX XXXX  ACCOUNT XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
On or about XX/XX/XXXX, I deposited a check # XXXX in the amount of {$49000.00}. My fianc at the time asked me to send a wire transfer to a colleague, XXXX XXXX to XXXX in the amount of {$46000.00}. for legal fees. On the 10th I went in and Capital One guided me through the procedure. I made the wire transfer. A few days later I logged in to balance my checkbook. I noticed that my balance was - {$45000.00}. Contacting my fianc I asked him what was going on? We had gotten into an argument shortly afterward in blocking him and he stopped payment on the check. I told him he better do something about this. So, he sent me another check in the amount of {$49000.00} all checks came through tracking. The Bank calls me and tells me this is a scam. I asked how can that be the first check went through fine even with the new high security XXXX on both? I then asked the woman if Capital One would rescind and retrack the wired amount of {$46000.00}. Because it was deemed no good? I've been in contact repeated almost everyday begging them to take it off my account. I've spoken to the ex-Fianc and he responded because of what he did that his colleague, XXXX never received the payment and they closed his account. XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I don't understand why cash app closed my account without notifying me. I lost my wallet and someone was using my card and it's connected to my Wells Fargo account. Which I lost a money dealing with both companies

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 2025-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America close my account stating somebody tried to deposit a fraudulent check to the other person authorized on account no monetary loss fraud on 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 2025-03-31 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-03-31 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: MA

Complaint narrative:
XXXX - Account # XXXX Balance : {$7500.00} Preserving accuracy is essential to fostering confidence in our reporting system. Requirements that are not followed can undermine trust. We must look into this issue thoroughly and quickly. There is a demand to remove the data if it does not meet the standards we are expected to uphold. 

XXXX XXXX - Account # XXXX Balance : {$23000.00} Given the importance of your reporting role, errors in compliance are neither acceptable nor inconsequential. Every disparity erodes trust by casting doubt on the accuracy of the data being provided. I ask that the errors that have been found be reviewed. It is more important to preserve industry credibility than to address the problem. It is essential to cancel them right away. 

XXXX XXXX - Account # XXXX Balance : {$25000.00} Preserving accuracy is essential to fostering confidence in our reporting system. Requirements that are not followed can undermine trust. We must look into this issue thoroughly and quickly. It is not only expected of us to remove data that does not meet the standards we are expected to uphold it is demanded. 

XXXX - Account # XXXX Balance : {$1000.00} Following industry standards is essential if you want to keep your reporting credible and show that you are dedicated to accuracy. Any discrepancies must be removed right away. All information must immediately and completely match the specified criteria. 

XXXX - Account # XXXX Balance : {$830.00} It's critical to realize that each piece of information in a credit report affects customers. Errors that don't adhere to the XXXX 's specified reporting guidelines compromise the system 's overall dependability. Both you and I have the right to request removal in light of this urgent issue. The only appropriate course of action in the event that it is verified that the information for this account is inaccurate is its complete deletion from my credit report. 

XXXX  XXXX - Account # XXXX Balance : {$1000.00} Given the laws governing our industry, it is your duty to confirm all of the claims made in your report. This is more about preserving credibility than it is about adhering to a set of rules. Having received this report, I ask that all of the contentious aspects be examined. Please take quick action to correct any errors in order to protect your organization 's trust and reputation.

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