vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-06 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX DC XXXX Federal Trade Commission ( FTC ) XXXX XXXX XXXX XXXX XXXX XXXX  DC XXXX Subject : Formal Complaint Against Experian for Violations of the Fair Credit Reporting Act Dear Sir/Madam, I am writing to formally lodge a complaint against Experian for violations of the Fair Credit Reporting Act ( FCRA ), specifically under sections 1681 and following. My rights as a consumer have been compromised due to inaccuracies in my credit report, and I believe that Experian has failed to uphold its obligations under the FCRA.

The following issues have prompted my complaint : 1. **Inaccurate Information** : My credit report contains incorrect information that does not accurately reflect my credit history. The FCRA protects consumers from such discrepancies, and I have attempted to resolve these issues through the dispute process without success.

2. **Willful Noncompliance** : Despite following the proper dispute process, Experian has refused to correct the inaccuracies. As a result, I am entitled to recover actual damages, statutory damages, punitive damages, court costs, and attorney 's fees due to this willful noncompliance.

3. **Unauthorized Access** : Under Section 604 ( f ) of the FCRA, the unauthorized use or obtainment of a consumer report is prohibited. I request verification that all inquiries made on my report were authorized.

4. **Negligence** : Section 617 states that any party negligent in failing to comply with FCRA regulations is liable to the consumer for damages. I expect a thorough investigation into this matter.

5. **Accuracy Requirement** : According to Section 607 ( b ), consumer reporting agencies must ensure the accuracy of consumer reports. Experian has had ample time to address these inaccuracies, yet they remain unresolved.

I have attached evidence, including screenshots of two accounts that were incorrectly updated on my report, which do not belong to me. My credit score has fluctuated significantly as a result, and I am seeking immediate correction. 

If my credit report is not corrected by XX/XX/year>, I will be forced to pursue legal action against Experian for the violations of the FCRA outlined above. 

Thank you for your attention to this serious matter. I respectfully request that both the CFPB and FTC investigate this situation and take appropriate action to protect my rights as a consumer. 

Sincerely,

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 2025-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I was charged XXXX dollars for an out of state transaction on cashapp. After providing ample proof that I was not responsible for this my account was closed and made inaccessible by cash app. In other words I was removed from the platform.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: GA

Complaint narrative:
The company keeps reporting an accurate information. The statute of limitation has expired on my late payments and they will not remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: CITIBANK, N.A.
State: GA

Complaint narrative:
The company keeps reporting an accurate information. The statute of limitation has expired on my late payments and they will not remove them.

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 2025-03-06 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: GA

Complaint narrative:
The company keeps reporting an accurate information. The statute of limitation has expired on my late payments and they will not remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Urgent Account Review and Dispute of Unfair Interest Charges Dear, I am writing to formally request a full review of my account due to unfair interest charges caused by mistakes on your side. 

Due to an error where I did not receive my invoice, and after my bank blocked my account, I was unable to make a timely payment. I was not properly notified by your team about the missing payment, and as a result, interest and late fees were added without my knowledge. 

Even after I paid {$3000.00} ( covering a large part of the balance and interest ), the interest is still increasing while I am currently out of the country. This is unacceptable and extremely unfair under these circumstances. 

Thank you for your attention. I am waiting for your urgent response. 

Best regards, XXXX XXXX Card number XXXX Member ID : XXXX Phone number : 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 monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: MA

Complaint narrative:
On XX/XX/year>, I closed on my new condo and the mortgage shortly thereafter was sold to Freedom Mortgage Corporation. Since the purchase of my home, and diligent payments into *required* escrow for property taxes, not a single payment has been made on my severely overdue property tax bill. Now interest is owed, along with the risk of a tax lien. I first contacted my lender about this issue on XX/XX/XXXX, to see if they were going to pay my property tax bill due XX/XX/XXXX. They assured me they would, but that they would need to " investigate '' to ensure they're paying the right amount since it's a new condo building and the individual units don't have bills yet ( XXXX units in the building, all at XXXX ownership share, therefore we all owe XXXX of the due bill ). They have access to the deed to the property, as well as all of the bills from the city, yet they're refusing to be cooperative and make payments, or even communicate as to why they're *not* making payments. I didn't hear back until XX/XX/XXXX ( while on vacation ), well after the XX/XX/XXXX due date, that they would not make the payment until I sent them the bill ( of which, I've already done, and it's publicly accessible ). I replied when I returned from vacation, yet again, on XX/XX/XXXX with a copy of the bill and a request for answers. I've now been advised that I won't hear back until **XXXX XXXX. I feel as I've I'm being taken advantage of ; I'm forced into using escrow for property taxes, forced by the government to pay these taxes *on time*, but legally, I'm the only person accountable for them not being paid on time. I've no other options, and this institution isn't respecting my time nor hard earned money. A tax lien puts me at risk of foreclosure and XXXX 

Screenshots of black box ticket system correspondence attached.

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 2025-03-06 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: FL

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

Company 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 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: NC

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence | provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 
These are the accounts that I marked as inaccurate : XXXX, XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am expressing now for the third time an extreme need to have these numerous accounts that I have no knowledge of to be removed immediately under section 605B because it is hindering from acquiring my home for me n my XXXXXXXX XXXX. I am a XXXX XXXX XXXX XXXX XXXX  who has not been shopping anywhere since my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX resulting in my XXXX XXXX XXXX XXXX XXXX XXXX  I was home and had no further need to shop at any of these places and someone used my personal information knowing XXXX XXXX XXXX XXXX XXXX and would not become aware until it is too late and now no lender will approve me and XXXX XXXX XXXX XXXX XXXX XXXX please rectify this matter I implore you to please help my small family acquire this much needed home. 
Case # XXXX is the case number for all complaints entered on XXXX XXXX complaint was phoned in for the third time it is in the system at both XXXX and XXXX along with fraud alerts I unfroze my credit so that a lender can reapprove me for a house for my son and I and I was denied due to a terrible credit report that was not my doing and I proactively tried to rectify and none of the credit bureaus lifted a finger to fix or clear any discrepancies on my report and I even paid a credit repair company to send XXXX dispute letters last year XXXX XXXX XXXX XXXX  and nothing was fixed at all and I lost my opportunity last year to purchase a house if I lose this chance again I will be on the street and I will go to the media because I am not being heard XXXX XXXX XXXX this is abuse on the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-03-06 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: SC

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

Company 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 2025-03-06 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: SC

Complaint narrative:
Please see supporting documentation pertaining to Equifax data breach. 

Subject : Urgent Dispute of Fraudulent Accounts Due to Data Breach Identity Theft Reports # : XXXX, XXXX Dear Equifax Dispute Resolution Team, I am writing to urgently dispute multiple fraudulent accounts that have been opened in my name and linked to my Social Security number as a result of the Equifax data breach. I have included a copy of my Identity Theft Reports : XXXX, XXXX for your reference. As a victim of this breach, I have identified unauthorized accounts that I did not open or authorize. 

The details of the fraudulent accounts are as follows : 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 In accordance with 15 USC 1681c-2 ( a ), I demand that this account be blocked and removed from my credit report within four ( 4 ) business days of your receipt of this letter. Should you fail to respond adequately, I may pursue a small claims action against your agency, seeking damages of {$1000.00} per violation under 15 U.S.C. 1692k for the following reasons : Defamation of Character Negligent Enhancement of Identity Fraud Violation of the Fair Credit Reporting Act Violation of 15 U.S. Code 1681o Violation of 15 U.S. Code 1681n ( b ) ( Failure to comply with 15 U.S. Code 1692 ( g ) Violation of 15 U.S. Code 1681b ) Violations under 15 U.S. Code 1681c Violation of 15 U.S. Code 1681a ( 4 ) ( Right to privacy ) Under 15 U.S.C. 1681 ii ( 7 ) ( Method of verification ) Thank you for your urgent attention to this critical matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: MD

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: IL

Complaint narrative:
There is an account from XXXX in the amount of {$100.00} dollars. I have not applied for services with XXXX and requested that the information be removed from my credit report. I have asked the credit agencies to provide me with proof that the account is mine without any communication. I have also received predatory emails with interest on the amount total of {$100.00}. I am requesting the information be update and correct 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 2025-03-06 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX XXXX XXXX  XXXX Ga XXXX Dispute of Personal Information To Whom It May Concern I am writing to formally dispute the personal information associated with my account that appears on my credit report. 
The disputed information XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX. XXXX XXXX XXXXXXXX XXXX  XXXX Ga XXXX XXXX. XXXX XXXX XXXXXXXX XXXX Ca Upon reviewing my records, I noticed that the information is incorrect, I do not recognize nor have i lived at any of these addresses. In accordance with the Fair Credit Reporting Act, I kindly request that you investigate this matter and prorities this dispute and provide a resolution immediately. A written response confirming deletion to all three credit bureaus. If you need any further information or documentation from my end to facilitate your review, please feel free to contact me via phone or email. 
Thank you for your attention to this matter. I look forward to your prompt response. 
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 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX XXXX XXXX  XXXX Ga XXXX Dispute of Personal Information To Whom It May Concern I am writing to formally dispute the personal information associated with my account that appears on my credit report. 
The disputed information XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX. XXXX XXXX XXXXXXXX XXXX  XXXX Ga XXXX XXXX. XXXX XXXX XXXXXXXX XXXX Ca Upon reviewing my records, I noticed that the information is incorrect, I do not recognize nor have i lived at any of these addresses. In accordance with the Fair Credit Reporting Act, I kindly request that you investigate this matter and prorities this dispute and provide a resolution immediately. A written response confirming deletion to all three credit bureaus. If you need any further information or documentation from my end to facilitate your review, please feel free to contact me via phone or email. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
Subject : Dispute of Incorrect Account Information request for deletion - ONEMAIN Automobile Loan I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) to dispute incorrect information regarding my ONEMAIN automobile loan, account number ending XXXX provide over the phone by their customer services which has been inaccurately reported to the credit bureaus. 

I have noticed significant discrepancies in the way this account is being reported, and I request a formal investigation into these inaccuracies. The account is reported incorrectly across all three major credit bureaus ( XXXX, XXXX, and XXXX ) in the following ways : Discrepancies in Remarks : XXXX shows the remark " Profit and Loss Writeoff. '' XXXX shows the remark " Charge Off Account. '' XXXX shows the remark " Unpaid Balance Reported as a Loss by Credit Grantor. '' If different credit bureaus report different remarks for the same account, it may indicate inaccurate or inconsistent reporting, which could be a violation of the FCRA. Inconsistent remarks can confuse consumers and creditors and lead to an unfair representation of an individuals creditworthiness. 
Discrepancies in the Last Activity Date : XXXX reports the last activity date as XX/XX/XXXX. 
XXXX reports the last activity date as XX/XX/XXXX. 
XXXX reports the last activity date as XX/XX/XXXX. 
These dates are not consistent and violate the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681e ( b ), which mandates that consumer information be reported accurately.

Discrepancies in Payment History : XXXX reports no late payments ( XXXX ). 
XXXX reports XXXX XX/XX/XXXX days XXXX XXXX reports XXXX XX/XX/XXXX days XXXX The significant differences in payment history between the credit bureaus indicate inaccurate reporting and should be corrected to reflect the true payment history. 
Discrepancies in Remaining Balance : XXXX and XXXX both report the remaining balance as 0 %. 
XXXX reports 46 % of the balance remaining. with all this is account keep being update each month with a charge off month after month affecting more on my credit and financial causing destress

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelson Cruz & Associates LLC
State: CA

Complaint narrative:
XX/XX/year> Answered automated phone call about a debt not under my name and transferred to secretary Asked where information was obtained and secretary denied and insisted the wrong phone number was put in. XXXX other debt collectors have called with this name and my phone number put into their system, therefore, this is a result of identity theft and company having STOLEN information from the dark web.

Secretary insisted my number was not stolen and yelled at me to call the police instead of offering any information and proceeded to hand up.

Company response to consumer: Untimely response