vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-26 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to 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 2025-03-26 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: FL

Complaint narrative:
I have submitted three formal disputes to XXXX, XXXX, and TransUnion concerning a XXXX XXXX XXXXXXXX account ( Account No. XXXX ). The account contains multiple discrepancies across bureaus, including : Contradictory account status ( Open in XXXX, Closed in XXXX and TransUnion ), Future reporting dates ( e.g., XX/XX/year> activity ), Inconsistent credit limits and payment histories, Lack of late payments in XXXX, but serious delinquencies in XXXX and TransUnion. 

I have repeatedly requested verification under FCRA 1681i ( a ) and a detailed explanation under 1681i ( a ) ( 7 ). The bureaus have only responded that the account was verified, without providing any physical documentary evidence, such as the original signed contract as required under FCRA 1681g ( a ) ( 1 ) ( A ) and 1681i ( 5 ).

This failure to reasonably reinvestigate and the continued reporting of inconsistent information constitutes a violation of the FCRA, TILA, GLBA, and UDAAP regulations. The credit bureaus are relying on automated systems like e-OSCAR rather than conducting a meaningful review, in violation of case law such as XXXX XXXX Trans Union XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX TransUnion. 

Their actions have caused me : Emotional distress and anxiety, XXXX interest rates on loans, Denials of credit applications, Damage to my financial 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 explanation
Consumer complaint received 2025-03-26 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-03-26 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: WI

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-03-26 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: MO

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-03-26 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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:
I respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away. Kindly remove and block them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
Chase credit approved a card the closed it so that lowered my credit score no reason why then they mailed the card so I want the negative reporting to be corrected

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NY

Complaint narrative:
Mohela refuses to contact and hold times are in the XXXX XXXX XXXX range. 

If anyone does pick up they hang up regularly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
Subject : Formal Dispute Violations of FCRA & Failure to Conduct Proper Investigation To Whom It May Concern, I am formally disputing an inaccurateaccount appearing on my credit report. This account is associated with an address that has never been my residence, and has never been reported on any of my credit obligations. Furthermore, the name on the account is missing my middle name XXXX making it abundantly clear that this account does not belong to me. 

Violations of the Fair Credit Reporting Act ( FCRA ) & Failure to Investigate By continuing to report this clearly erroneous account, this credit beauru is in direct violation of : 15 U.S. Code 1681i Failure to Conduct a Reasonable Investigation : You have previously allowed this inaccurate account to remain, despite clear evidence that it does not belong to me.

15 U.S. Code 1681e ( b ) Failure to Ensure Maximum Possible Accuracy : This account has no valid connection to me, yet it remains on my file.

15 U.S. Code 1681n Willful Noncompliance with the FCRA : By failing to act despite clear discrepancies, this credit buearu is willfully violating my rights.

15 U.S. Code 1681o Negligent Noncompliance : Your failure to correct this error after previous disputes demonstrates negligence.

Undisputed Proof of My Accurate Credit Profile Every single one of my legitimate installment and revolving accounts has always been and continues to report under my one and only address for the past 20 years : XXXX XXXX XXXX This undisputed fact is further corroborated by the documentation attached to this letter. There is no justifiable reason for this account to remain on my file. 

Demand for Immediate Action Given the blatant violations outlined above, I am demanding that : 1.Immediately remove this fraudulent account from my credit report.

2.Provide written confirmation of the accounts deletion within 30 days.

3.Cease and desist from any further reporting of this account.

Failure to comply will result in legal action against this credit bureau for willful violations of my rights under the Fair Credit Reporting Act and any other applicable federal or state consumer protection laws. 

This is your final notice to correct this issue before I escalate the matter further. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: WI

Complaint narrative:
XXXX XX/XX/XXXX New Rez debited {$4400.00} from my escrow account and coded the payment as tax disbursement. 

On XX/XX/XXXX my municipality had not received any funds for taxes so I used my own personal money to pay the first installment. This brought my balance to {$2.00}, XXXX which will be due as the second installment on XX/XX/XXXX. 

**On XX/XX/XXXX they debited {$2.00}, XXXX from my escrow account and coded it as tax disbursement On XX/XX/XXXX they credited {$2.00} XXXX from my account for taxes. 

**On XX/XX/XXXX they again debited {$2.00}, XXXX from my account and coded it as tax disbursement. 

XXXX. In total the {$8700.00} has been removed and unaccounted for. 
XXXX. My municipality did not receive any of the funds they claim were debited. 
XXXX. New Rez states the funds were sent electronically. My municipality is unable to receive funds electronically. 
XXXX. Despite numerous exhausting telephonic and email requests, the funds have not been credited back to my escrow account as I have requested. 
XXXX. The release of unauthorized funds has led to a significant shortage in my escrow account and now New Rez is threatening to increase my monthly 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 explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I had opened a Synchrony Credit Card at a TJ Maxx while XXXX  in XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX and did so in XXXX of 2024. We forwarded our mail to our new address but never once got anything from Synchrony saying there was a balance. I did not change my email address or phone number. I was never contacted about any concern but found out as I was applying for a home loan that Synchrony closed my account for collection. There was no offer of resolution on their part and my credit score took a huge hit. Ive been a responsible credit holder for decades and this incident negatively affected my rates for a home loan significantly.

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 2025-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma, LLC
State: CA

Complaint narrative:
I have a Credit Karma Money Spend account. I have had it for around 5 years. 8 months ago, someone compromised the account and took all of my money. I worked with customer service for a week to get my funds back. This time, the email address associated with my account was changed and somehow even the SSN associated with my account was changed. There's only one number I can call. It leads to an automated system that asks for the phone number associated with my account and the last 4 digits of my SSN. I provide that info and they say there's no account matching the info I've provided. 

Obviously that's ludicrous. I've banked with them for around 5 years. The automated system only provides me one option from there. They text me a link to text with customer service on their website. The customer service agents on their website refuse to let me speak on the phone with anyone because none of my info matches their records anymore ( the hacker changed the email and SSN associated with my account somehow ). They just keep directing me to call the number with the automated system that led me to texting with them. It's an infinite loop with no way out because no one will just let me speak on the phone with someone from the fraud department. 

I could've provided my bank account number, a photo of my debit card, a photo of my driver 's license and SSN card, screenshots of the emails we've exchanged in the past from the last time someone fraudulently used my account, a screenshot of my account in the Credit Karma app, anything to prove I have an account with them, but they refused to assist me in literally ANY tangible way. Multiple customer service agents ended the conversation on me without my permission despite me being nothing but polite. 

The only thing I got out of texting with them for hours was one of them locking my account and telling me to change my password. The process for that requires me to have access to the email associated with the account, but the email associated with my account has been changed! So now I'm locked out of my account on the app and can't tell them my bank account number even if they were willing to let me use that to identify myself. It's like the customer service agent who did that wasn't even listening to the specifics of my situation. 

Around {$600.00} has been stolen from me. I live in California and someone in Louisiana withdrew all of my money from an ATM. Credit Karma clearly saw that as suspicious because they froze my account, but they refused to notify me, communicate with me, return the money, etc. 

As things currently stand, I will have to abandon my credit karma spend account entirely and cut my losses because they won't even talk to me about this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I purchased a XXXX XXXX from XXXX of XXXX, Texas. 
XXXX of XXXX sent the finance company Truist Bank information for XXXX XXXX that cost {$23000.00}, in which the price of the vehicle doubled in charges for the vehicle that cost XXXX dollars. The total loan amount was XXXX dollars. I tried to refinance the loan with a credit union and was advised the total amount for this vehicle was overpriced and double price for the vehicle. And they added fees and interest that was not supposed be added. I was taken advantage of at the car lot of XXXX of XXXX, Texas. The value of this vehicle was not submitted on an honest level of business for a customer that has excellent credit.

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 2025-03-26 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: TX

Complaint narrative:
I was alarmed that there are inaccurate late payment remarks on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: TN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( 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 non-monetary relief
Consumer complaint received 2025-03-26 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: 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, XXXX, and XXXX reporting agency, block information appearing on my consumer credit report that is the result of identity theft and also fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card such as XXXX  XXXX ( Account Number : XXXX ), XXXX XXXX around XX/XX/XXXX ( Account Number : XXXX XXXX personal loans such as XXXX XXXX XXXX around XX/XX/XXXX for amount of XXXX ( Account Number : XXXX XXXX XXXX XXXX XXXX open around XX/XX/XXXX for amount of XXXX ( Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX for total amount of XXXX ( Account Number : XXXX )XXXX XXXX XXXX XXXX  ( Account Number : XXXX )XXXX XXXX XXXX XXXX  open around XX/XX/XXXX for total amount XXXX XXXX ( Account Number : XXXX, XXXX  XXXX opened around XX/XX/XXXX ( -Account Numbers : XXXX XXXX, XXXX  opened around XX/XX/XXXX ( Account Numbers : XXXX XXXX, XXXX  open around XX/XX/XXXX ( Account Numbers : XXXX ), XXXX open around XX/XX/XXXX ( Account Numbers : XXXX ), XXXX  open around XX/XX/XXXX ( Account Numbers XXXX ), XXXX  opened around XX/XX/XXXX ( Account Numbers XXXX XXXX XXXX collections accounts such as XXXX funding for amount of XXXX ( Account Number : XXXX and XXXXXXXX XXXX XXXX  for amount of XXXX ( Account Number : XXXX, XXXX XXXX XXXX XXXX ( Account Number : XXXX ). These accounts have resulted in several fraudulent hard inquiries and also fraudulent collections and charge offs appearing on my consumer FICO credit report. I have attached this list as well as a copy of my credit report maintained by you which shows the aforementioned accounts, collections, and charge offs as reported. These aforementioned accounts, collections and charge offs on my credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, charge offs are results of identity theft and fraud. I have attached a copy of my FTC Identity Theft Criminal Complaint ( Case Number XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and charge offs are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: 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, XXXX, and XXXX reporting agency, block information appearing on my consumer credit report that is the result of identity theft and also fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card such as XXXX  XXXX ( Account Number : XXXX ), XXXX XXXX around XX/XX/XXXX ( Account Number : XXXX XXXX personal loans such as XXXX XXXX XXXX around XX/XX/XXXX for amount of XXXX ( Account Number : XXXX XXXX XXXX XXXX XXXX open around XX/XX/XXXX for amount of XXXX ( Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX for total amount of XXXX ( Account Number : XXXX )XXXX XXXX XXXX XXXX  ( Account Number : XXXX )XXXX XXXX XXXX XXXX  open around XX/XX/XXXX for total amount XXXX XXXX ( Account Number : XXXX, XXXX  XXXX opened around XX/XX/XXXX ( -Account Numbers : XXXX XXXX, XXXX  opened around XX/XX/XXXX ( Account Numbers : XXXX XXXX, XXXX  open around XX/XX/XXXX ( Account Numbers : XXXX ), XXXX open around XX/XX/XXXX ( Account Numbers : XXXX ), XXXX  open around XX/XX/XXXX ( Account Numbers XXXX ), XXXX  opened around XX/XX/XXXX ( Account Numbers XXXX XXXX XXXX collections accounts such as XXXX funding for amount of XXXX ( Account Number : XXXX and XXXXXXXX XXXX XXXX  for amount of XXXX ( Account Number : XXXX, XXXX XXXX XXXX XXXX ( Account Number : XXXX ). These accounts have resulted in several fraudulent hard inquiries and also fraudulent collections and charge offs appearing on my consumer FICO credit report. I have attached this list as well as a copy of my credit report maintained by you which shows the aforementioned accounts, collections, and charge offs as reported. These aforementioned accounts, collections and charge offs on my credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, charge offs are results of identity theft and fraud. I have attached a copy of my FTC Identity Theft Criminal Complaint ( Case Number XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and charge offs 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 explanation