vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-27 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: TX

Complaint narrative:
Maintaining accuracy in credit reporting is essential. I've noticed some discrepancies in the payment history for my account. Im requesting all and every statement outlined payments history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 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:
Here is an Affidavit of Truth you can use to dispute the fraudulent address on your Experian credit report : -- - Affidavit of Truth XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/year> To : Experian Dispute Department XXXX XXXX XXXX XXXX, TX XXXX Cc CFPB Subject : Affidavit of Truth Dispute of Fraudulent Address I, XXXX XXXX, a living, breathing man, do hereby declare under penalty of perjury that the following statements are true and correct to the best of my knowledge : 1. I am not now nor have I ever been associated with the address XXXX XXXX XXXX, XXXX, GA XXXX. Any records or accounts linked to this address under my name are the result of identity theft, fraud, or misrepresentation. 


2. My lawful and correct address is XXXX XXXX XXXX XXXX, XXXX, Georgia XXXX. 


3. I formally demand that Experian immediately remove the fraudulent address from my credit file and update it to my lawful address listed above.

4. I have attached copies of my government-issued identification and utility bill as proof of my identity and residence. 


5. Any refusal to correct this inaccuracy would constitute willful defamation of my character and violation of the Fair Credit Reporting Act ( FCRA ). 



I declare that the foregoing is true, correct, and complete to the best of my knowledge.

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 2025-02-27 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:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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 2025-02-27 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: CT

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This morning, I came across inaccurate bankruptcy on my credit report, and I have no clue why they are there. I make it a habit to check my report, but this time, I found unexpected errors. I attempted to refresh my browser, thinking it might be a system glitch, but the mistakes persisted. Due to this issue, I kindly ask that my submitted documents be carefully examined so I can put this matter behind me.

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 2025-02-27 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:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX, opened on XX/XX/XXXX ; XXXX XXXX, opened on XX/XX/XXXX ; and unauthorized hard inquiries from 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 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 XXXXXX/XX/XXXX. I have attached a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize these accounts, collections, or hard inquiries as reported. These items appearing on my consumer credit report were not opened, made, or initiated by me and are all the result of identity theft and fraud. Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts and inquiries are the result of identity theft and fraud.

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 2025-02-27 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: IL

Complaint narrative:
I am writing to express my serious concerns regarding discrepancies in my credit report. Upon review, I discovered multiple inaccuracies, including incorrect account listings, unauthorized inquiries, inconsistent billing, and accounts that do not belong to me. These errors are affecting my financial stability, and I require your prompt assistance in resolving 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 2025-02-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
My bank contacted me about my complaint. The person I spoke to with the bank said there was nothing they could do since I was the victim of a scam, and not a victim of fraud. Isn't a scam a fraud? I was told by the bank representative There was " no money '' in the XXXX bank account, and that I had sent XXXX XXXX the money by wire transfer, and that they didn't steal it but they stole our item by not sending it to us and said there was no fraud. Of all the fraud we have encountered with the banks were more than willing to do a reversal. We also thought they could do a reversal if something went wrong and the bank never make it known that you a can't always get your money back. This is outrageous. We made a purchase from the company and wired money according to their invoice with insurance and they said they wanted more money, over half of what they quoted us, isn't this a scam and deserve a reversal or is this an employee making the call.

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 2025-02-27 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:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 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: TX

Complaint narrative:
XXXX is unresponsive to my requests and seems to be discriminated towards me because Im a XXXX veteran. They are not responding to any of my requests.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Affirm Holdings, Inc
State: OR

Complaint narrative:
I have {$31.00} left in due in the account, and Im requesting a refund from XXXX because I havent received my order and they refund some money but no full amount. Ive disputed the order on Affirm, but theyve denied it. I hasnt gotten what I ordered, but the team hasnt refunded the full amount, and Affirm isnt providing any assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Fidelity National Financial, Inc
State: FL

Complaint narrative:
CFPB Subject : XXXX XXXX XXXX XXXX XXXX and XXXX Fidelity National Title National Commercial Services Dear recipient, I am filing this formal complaint against XXXX XXXX and XXXX XXXX of Fidelity National Title XXXX  XXXX XXXX, located at XXXX XXXX XXXX XXXX # XXXX, XXXX, XXXX XXXX. Their conduct displayed gross unprofessionalism, severe negligence, and a complete disregard for proper business practices. 

During a closing transaction on XXXX XXXX XXXX in XXXX, XXXX, XXXX XXXX was consistently rude, dismissive, and unprofessional in her communications toward me and my partners. Despite multiple requeststhree times, to be exactfor a copy of the preliminary HUD to ensure my fee was included, she deliberately sent it to everyone except me. And from what I understand, my fee was not included on the HUD she sent out, which raises serious concerns about her capabilities to perform her BASIC work duties. Whether intentional or due to extreme negligence, this is completely unacceptable and appalling. 

Adding to the issue, XXXX XXXX, who holds a XXXX and managerial role, had every opportunity to step in and correct the situation but instead chose to remain silent. Is this the standard of professionalism he allows in his office? I directly asked him if XXXX behavior was protocol, yet he refused to respond or take any noticeable action. Given that this matter involves {$15000.00}, his lack of intervention from the very first email I sent is not just negligentit is outright irresponsible. 

Still, XXXX has not addressed this matter at all. His failure to even acknowledge such a serious issue is deeply concerning and reflects a complete failure of leadership. If Fidelity National XXXX refuses to hold its employees accountable, I will escalate this complaint to the Federal Trade Commission, the Illinois Attorney General, the BBB, and any other relevant regulatory agencies. 

I demand a formal response outlining what corrective actions Fidelity National XXXX will take regarding this issue. This level of negligence, lack of professionalism, and outright disregard for ethical business practices can not go unchecked. Given my experience, I strongly discourage anyone from working with this company at this particular location and I confidently rate their service XXXX out of XXXX stars.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Sunlight Financial LLC
State: CA

Complaint narrative:
On XX/XX/year>2023, the company trapped us in aXX/XX/XXXXscheme promising to build an XXXX in our backyard and manage its rental to provide income better than any investment like stocks and bonds. They provided three lenders in the agreement and 1 of the 3 Sunlight Financial, refuses to refund our XXXX. The other two agreed it was a scam and refunded XXXX XX/XX/XXXXXXXX and XXXX XXXX. Sunlight refuses despite clear evidence that we have no goods or services provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: IL

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : DEPTEXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX {$6700.00}

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 non-monetary relief
Consumer complaint received 2025-02-27 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: ID Analytics, Inc.
State: SC

Complaint narrative:
I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information. 
I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
XX/XX/year> XXXX Bank all of my accounts were closed while I was paying starting with CareCare, Rooms to Go, Belk, XXXX, Nissan Credit Card, Sams Club even though this accounts were at {$0.00} they are all stuck on my credit and has resulted in me not being able to get any accounts.

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 2025-02-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
Hello, Long story short, a received a Zelle payment from someone i know. the money was 100 % in my account, the friend later called me and told me that someone got a hold of their zelle or something and is sending out money or attempting to with people on their contacts. they were on the phone with XXXX bank ( we both have XXXX ) and XXXX had asked if i could just send the funds back over to make things easier, they had the same name and number on the zelle account so i sent back the money and they DID NOT receive it, XXXX then removed the money from my account a 2nd time and left me in the negative. i have not been able to use a checking account since and they are asking me to pay the rest off, i have called regarding the situation 20+ times, 7 times in one day, i even contacted zelle and they told me to contact XXXX again which was just a big circle at that point. the This is the exchange with the - {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-02-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
I am writing to make a formal complaint against FOURSIGHT CAPITAL LLC starting XX/XX/XXXX demands for XXXX XXXX payments on a loan persisted even till this day with negative credit reporting placed on my XXXX credit report as of XX/XX/XXXX however previously the account showed " Paid in Full '' as of XX/XX/XXXX. However I recently discovered I couldn't have made a payment when there is no money. Per Justice XXXX XXXX 's supreme court decision on XX/XX/XXXX in XXXX XXXX XXXX XXXX XXXX " all forms of XXXX XXXX issued without intrinsic value-legally null and void, effective immediately ''. " Additionally, any debts derived from such currency were deemed invalid, based on determination that the foundational practices of modern banking and credit are inherently fraudulent ''. FOURSIGHT CAPITAL LLC never gave a loan or financed any transaction but there is a contract to evidence the fraud. A loan could not be given when all forms of XXXX currency-money issued without intrinsic value is legally null and void. A copy of this complaint will be forwarded to the DOGE at XXXX to inform them that I've had some hardships and I have the right to discharge this debt. All debts public and private are that of the United States Treasury and any bill from FOURSIGHT CAPITAL LLC should have gone to the United States Treasury. There clearly has been an accounting problem on part of FOURSIGHT CAPITAL LLC because all rights, title and interest should be put towards the alleged balance and I would like my credits returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: TX

Complaint narrative:
The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX {$61000.00}

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 2025-02-27 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: EQUIFAX, INC.
State: TX

Complaint narrative:
The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX {$61000.00}

Company response to consumer: Closed with non-monetary relief