vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-18 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 a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX - XXXX * * * XXXX - XX/XX/XXXX - {$450.00} XXXX XXXX - XXXX * * * * * * XXXX - XX/XX/XXXX - {$490.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

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 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.

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 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

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 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: NY

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/year> my XXXX page was abruptly deactivated supposedly by XXXX. XXXX  claimed I had violated code of conduct and I could request a review, which I did. The online message said this : Your XXXX page is scheduled for permanent deletion due to a post that has infringed upon our trademark rights. We have reached this decision after a thorough review and in accordance with our intellectual property protection policies. If you believe this to be a misunderstanding, we kindly request you to file a complaint seeking the reinstatement of your page prior to its removal from XXXX. Your cooperation and understanding are greatly appreciated. Should you have any inquiries or apprehensions, please feel free to reach out to us. XXXX Found a toll free number claiming to be XXXX. XXXX - I was connected with someone named XXXX XXXX. He said he would help me reinstate my XXXX page. Asked to allow him to see my desktop so he could begin to ascertain what had happend and if there were any other viruses or malware. He suggested that I check my bank accounts. He said he would email my bank to call me. Then my phone was ringing and showed the toll free number from my bank. I have since learned this is called " spoofing '' XXXX XXXX claiming to be from XXXX  XXXX XXXX XXXX XXXX XXXX. He said that some bank in XXXX had initiated a withdrawal of {$46000.00} from XXXX different accounts in my name. He then suggested that I go to the bank and withdraw the funds to prevent them from being taken. The bank was unable to provide the funds that day. XXXX then said there was a " Plan B ''. I should request a wire transfer for {$29000.00} to be sent to a government account set-up by the FTC at Fifth Third Bank . The calls and mind manipultation went on for a week. The whole time this going on, XXXX XXXX was communicating with me about my XXXX page which was reinstated a few days after this all started. XXXX claimed they were working on adding security systems to my computer and XXXX account to prevent this from happening again. 

Subsequently, after filing a complaint with the XXXX- the Fifth Third Bank confirmed that the account number where the wire transfer was sent was not a valid account at their bank. They told this to the XXXX  and also to me. If not valid, then where did the money get deposited?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I disputed a medical collection account with Experian that was added by XXXX XXXX XXXX ( XXXX ) for {$580.00}. In my dispute, I explained that I had requested debt validation from the collector before the account was ever reported, and they never responded and reported the collection to the credit bureau. I am in the process of applying for a very important business loan and with the remarkable drop in my credit score I'm unable to, Despite this, the credit bureau marked the dispute as verified and said the investigation was complete without providing any details or explanation. I received no documents or review summary, and my concerns about the debt being reported in violation of the FDCPA were not addressed. I am currently in the process of applying for a critical business loan, but the significant drop in my credit score has made it impossible to proceed and has already caused serious harm.

Under FCRA 1681i, the credit bureau is required to conduct a reasonable investigation. Simply accepting a furnishers response without reviewing or explaining anything is not reasonable.

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 2025-04-18 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
I am writing to dispute the accuracy of debt reported on my credit file associated with an address I have never lived at. The item appears under the name ( Fair Collections And Outsourcing ) on my Transunion and Equifax credit reports. And is linked to the address XXXX XXXX XXXX at XXXX Ct. I have never lived at this address. As proof I have copies of my state issued drivers license from the time of question, which shows my actual residence during that period.

Under the Fair Credit Reporting Act ( 15 U.S. Code {$1600.00} ( i ), I request that this inaccurate account be removed from my credit files due to unverifiable and incorrect address information. 
Attached is my Drivers license, FTC report compliant file number

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 2025-04-18 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: TX

Complaint narrative:
I disputed a medical collection account with TransUnion that was added by XXXX XXXX XXXX ( XXXX ) for {$580.00}. In my dispute, I explained that I had requested debt validation from the collector before the account was ever reported, and they never responded and reported the collection to the credit bureau. I am in the process of applying for a very important business loan and with the remarkable drop in my credit score I'm unable to, Despite this, the credit bureau marked the dispute as verified and said the investigation was complete without providing any details or explanation. I received no documents or review summary, and my concerns about the debt being reported in violation of the FDCPA were not addressed. I am currently in the process of applying for a critical business loan, but the significant drop in my credit score has made it impossible to proceed and has already caused serious harm.

Under FCRA 1681i, the credit bureau is required to conduct a reasonable investigation. Simply accepting a furnishers response without reviewing or explaining anything is not reasonable.

Im requesting that this account be deleted from my credit report, as it was reported improperly and verified without real investigation

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 2025-04-18 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 explanation
Consumer complaint received 2025-04-18 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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:
There are items on my credit report that I did not authorize and that resulted from someone fraudulently using my personal information. Ive never received any benefit from these accounts or transactions they were simply not mine. As soon as I realized what had happened, I took it seriously and filed a report with the Federal Trade Commission, hoping that would help get things resolved. 

But despite doing what I was supposed to, these fraudulent entries are still showing up on my report. It's incredibly frustrating to carry the burden of someone else 's actions, especially when I've taken the right steps to fix it. I just want this resolved so I can move forward without this hanging over 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 2025-04-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
On XX/XX/year>, my son and daughter each received a letter stating that their savings account will be switched to a XXXX savings account. Each letter gave the last four account numbers for a savings account. The problem is they do not have any such accounts and would not have been able to open them without myself as the guardian to cosign to open the account. I believe these accounts were opened by Wells Fargo without our knowledge. I contacted Wells Fargo and was told there was no account under either child 's social security number. My question was if that's the case, then why are they receiving these 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 explanation
Consumer complaint received 2025-04-18 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: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) 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 2025-04-18 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 explanation
Consumer complaint received 2025-04-18 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: CA

Complaint narrative:
Im filing this complaint because inaccurate and misreported information has once again appeared on my credit report. These accounts do not belong to me and seem to be mistakenly linked to another individuals profile. Whats even more frustrating is that this information was previously removed after I reported it, yet it has reappeared without any prior notice or valid justification. This not only raises ongoing concerns about identity theft and fraud but also constitutes a clear violation of my rights as a consumer. The repeated reappearance of deleted data is unacceptable and damaging to my credit standing and financial well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Ocwen Financial Corporation
State: MO

Complaint narrative:
My mortgage was sold to PHH. I pay my own homeowners insurance. I do not have an escrow account attached to my mortgage. In XXXX, XXXX, my homeowners insurance policy renewed with XXXX XXXX, which I paid in full. In XXXX, XXXX, l moved my homeowners insurance to XXXX. There was never a lapse in my policy. In XXXX, XXXX, I received a letter from PHH, requesting my homeowners insurance information. I provided it to them by email. Additionally, I spoke with over the phone about the issue, in order to ascertain which documents they were requesting. They never sent me any additional letters or emails. I was under the impression that the issue had been resolved and would not require further action. In XXXX, XXXX, I looked at my mortgage statement and observed a " shortage '' amount placed on my account, under " escrow '', for XXXX. I contacted PHH by phone again, and they were now requesting additional documents, showing the XXXX policy cancellation, and the XXXX policy going into effect. I emailed them the documents again. In the meantime, I was forced to pay part of the shortage, due to them placing it on my mortgage. If I did not pay it, I wouldn't be able to pay my mortgage, due to it being included in that payment. I have since contacted them by phone and email. They are now claiming they need to speak to XXXX, and they state they are conveniently unable to contact them. I respectfully request intervention due to this unhinged business practice, and want a full refund of XXXX, which includes the amount I have already been forced to pay. I have attempted to resolve this issue with them, both in writing, and over the phone, to no avail.

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 2025-04-18 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: GA

Complaint narrative:
My identity was stolen when someone gained access to my personal information, including my name, social security number, and financial details. They opened credit cards and personal loans in my name, which i only discovered after receiving alerts from my credit monitoring service.This invasion of privacy has had a lasting impact on my life. Not only did it damage my credit score but its also cause emotional distress and anxiety. Dealing with fraudulent accounts, disputing charges, and trying to restore my credit has been time consuming and stressful.The theft is unfair because the victim bears the vurden of fixing the damage. It has affected my financial future, making it harder to find a place to stay and making purchases that is needed. The emotional toll has been just as significant, affecting my sense of security and relationship. Identity Theft is a crime that leaves lasting consequences, and no one should have to endure such an experience.

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 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I check my information about a data breach and sure enough. I check my consumer report and there were incorrect information reporting. How, I do not know. I called in and I have sent several letter for my information to be updated or corrected and for years now. It is still reporting the same. I will like to request all wrong information be removed.

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 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from 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 non-monetary relief