vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-16 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 complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$150.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$140.00} XXXX  XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$2200.00} XXXX  XXXX XXXX XXXX XXXX XXXX  Balance : {$67.00} XXXX XXXXV XXXXXXXX XXXX XXXX Balance : {$2800.00} XXXX  XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$510.00} XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
The company started a garnishment without contacting me. Did not know wages were in garnishment until after 3 payments had been taken and I checked my payroll. Was never properly notified or given the chance to work out any settlement. Company is not willing to settle for less even though I never received the proper communication they only communicated with my previous employer against my knowledge. The company failed to properly notify me, which they have violated the Fair Debt Collection Practices Act ( FDCPA ).

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 2025-05-16 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Ocwen Financial Corporation
State: NM

Complaint narrative:
PHH has obtained a foreclosure judgment and foreclosure sale of a residential property that was sold by a municipality foreclosure, and sold to the auction buyer, who then sold it to me in XXXX. PHH, by misrepresenting themselves as XXXX XXXX XXXX in a court of law set aside that sale and reopened the mtg foreclosure. XXXX XXXX  XXXX has disclaimed any interest in the loan and the property since XX/XX/XXXX, which forfeits their right to the foreclosure. PHH has obtained a quiet title ruling, XX/XX/XXXX, by filing as though they are XXXX XXXX XXXXXXXX, then transferred ownership of my property acting on behalf of XXXX XXXX XXXX, granting it to XXXX XXXX XXXX XXXX XXXX by quit claim deed from XXXX XXXX XXXX, a forfeited lender, for $ XXXXThis is in violation of the XXXX XXXX XXXX and Consumer Act. PHH has reported to HUD that they are the party foreclosing, which HUD has stated will not pay a claim from PHH. PHH has offered a cash buy to me for my interest in the property and have appointed a local realtor to conduct the action, claiming PHH as the owner on the docs Ive been sent to sign. I have refused, and today have been evicted from my house from XXXX XXXX XXXX XXXX XXXX XXXX, as the Plaintiff, new owner from PHH as servicer, acting on behalf of XXXX XXXXXXXX XXXX, a forfeited lender, and transferred ownership of my property. XXXX XXXXXXXX XXXX has reported since XXXX that XXXX  XXXX XXXX does not own a loan that PHH has filed for 10 years as though XXXX XXXX XXXXXXXX is the party actively filing. PHH has never recorded any interest for PHH, yet have recorded XXXX XXXXXXXX XXXX at XXXXXXXX XXXX  XXXX XXXX XXXXXXXX NJ, misrepresenting themselves as though XXXX XXXX  XXXX is the party who sought my property. I filed a XXXX XX/XX/XXXX against XXXX XXXX XXXXXXXX for payment that was court ordered to be paid to me, that has never been paid. I took ownership of the property in lieu of foreclosure by having a public auction and recorded my ownership right to the property in the county office. The quiet title action by PHH, was obtained so it could grant my property to XXXX XXXX, aka Ocwen, the parent company of PHH from XXXX XXXX XXXX, a forfeited lender since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This letter serves as formal notice that I am invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692c ( c ), and any other applicable state laws. I am requesting that you cease and desist all forms of communication with me regarding any alleged debt you claim I owe. 

This includes, but is not limited to : Phone calls Letters or other mail Emails Text messages Voicemails Reporting or updating tradelines on my credit report Let it be known that reporting to the credit bureaus or updating tradelines also constitutes a form of communication under the FDCPA and applicable case law. Therefore, any further activity of this kind will be interpreted as a violation of this cease and desist demand. 

Please be advised that failure to comply with this request may result in legal action against you, including but not limited to claims for statutory damages, attorney fees, and any other remedies provided by law. 

This letter is not to be construed as an acknowledgment of any debt or obligation. If you believe I owe any debt, you must cease all collection activities and provide full validation in accordance with the law, should you resume communication in a legally permissible manner.

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 2025-05-16 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:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: AZ

Complaint narrative:
On XX/XX/year>, my vehicle was stolen and later declared a total loss. The remaining balance on my auto loan with XXXX XXXX was paid in full by my insurance company. Despite this, XXXX reported a 30-day late payment for XX/XX/year>. 

I submitted a dispute to Experian and contacted XXXX directly to request a goodwill removal of the late payment, since the delay was tied to the insurance claim processnot personal negligence. XXXX sent a letter confirming the reporting but failed to address my goodwill request. They also inaccurately claimed they could not make adjustments because they were a third party, even though they are the original data furnisher under the FCRA. 

This late mark is unfairly damaging my credit. I am requesting CFPB assistance in having XXXX remove the XX/XX/year> late payment due to the extenuating circumstances and their failure to respond appropriately.

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 2025-05-16 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 have consistently maintained an on-time payment history, and I am committed to resolving this matter. I kindly request your consideration in waiving the late fee and removing the late payment from my credit report, as I believe this does not reflect my usual payment behavior.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: FL

Complaint narrative:
b'I HAVE BEEN AFFECTED OF XXXX  AND EQUIFAX DATA BREACH . PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX.\n \nAccount Name: XXXX  #XXXX  - Date Opened  XXXXn \n \nUNAUTHORIZED INQUIRIES:\n \nXXXX XXXX XXXX Equifax'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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:
I requested that this fraud inquiries to be removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to formally dispute fraudulent and inaccurate personal information that has been reported on my credit file with XXXX  and Experian. 

The following entries on my credit report are in question : Invalid Addresses ( XXXX  and Experian ) Invalid Names ( Experian ) Invalid Phone Numbers ( Experian ) Spouse ( Experian - Never been married ) Employers ( Experian ) These activities were carried out using my personal identifying information without my consent. Such actions may constitute aggravated identity theft under 18 U.S. Code 1028A, a federal offense punishable by law. I am also asserting my rights under the Fair Credit Reporting Act ( 15 U.S.C.1681i ), which requires credit reporting agencies to investigate disputed information and record correct information.

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 2025-05-16 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: FL

Complaint narrative:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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 2025-05-16 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: FL

Complaint narrative:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: IL

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-05-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Westlake Services, LLC
State: CA

Complaint narrative:
Iwas going thru my emails and notice an email from Wilshire consumer credit of My refund sent by virtual no knowledge this was coming i did call yesterday to ask when physical card will come and why one was. Not sent in the first place I was in formed it hasn't been sent nor procces to be sent. And since then I have not been able to use my card virtually nor will the answer my calls I get thru once my number registers the have up. Been casl all day card is saying my account don't exists but able to access online

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I am writing to formally dispute an unverified collection account being reported by Credit Collection Services on my credit report. The account reflects an alleged balance of {$63.00}, with XXXX XXXX listed as the original creditor. 

I do not have any outstanding balance with Credit Collection Services, and any amount previously owed to XXXX XXXX has already been paid in full. The original balance paid to XXXX XXXX was {$55.00}, which raises concerns about the origin of the {$63.00} now being reported. 

Additionally, I did not receive any prior correspondence regarding this alleged debt, nor was I notified that the debt would be transferred to a collection agency. XXXX XXXX has also confirmed that I do not owe any outstanding balance, let alone the amount currently being reported by your agency. 

Given the lack of validation, inconsistencies in the reported balance, and the absence of proper notification, I am formally requesting that account # XXXX XXXX XXXX  be removed XXXX XXXX from my credit report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE

Complaint narrative:
I did send money by western union, but I did not received my money yet, please could you follow up with this matters? 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: LA

Complaint narrative:
This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ) regarding inconsistencies and inaccurate data reported on my credit report related to my XXXX revolving credit card account ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX  ). 

Despite previously initiating a dispute, multiple discrepancies remain unresolved between the XXXX credit reporting agencies : XXXX XXXX XXXX : Equifax inaccurately reports a {$0.00} credit limit, while TransUnion and Experian accurately report the limit as {$2200.00}. 

High Credit Discrepancy : Equifax lists the high credit as {$2200.00}, while TransUnion and Experian list {$1800.00}. 

Comment Conflicts : TransUnion and Experian state the dispute has been resolved but that the consumer disagrees. Equifax still flags this as an active dispute, stating Consumer disputes after resolution, which misrepresents the account 's current status. 

Activity Date Mismatch : Equifax lists the last active date as XX/XX/XXXX, while TransUnion shows XX/XX/XXXX, and Experian inaccurately lists XX/XX/XXXX as last activedespite a most recent payment on XX/XX/XXXX being documented across all three reports. 

These discrepancies violate FCRA Section 607 ( b ), which mandates the maintenance of accurate and consistent information in consumer files. Failure to correct such errors can unfairly impact my creditworthiness and financial opportunities. 

I am requesting the following actions be taken immediately : XXXX XXXX XXXX XXXX XXXX '' REMOVE INACCURATE LATE PAYMENTS '' XXXX XXXX XXXX XXXX XXXX  Correction of the credit limit on the Equifax report to reflect the accurate amount of {$2200.00} Removal of inaccurate or misleading comments regarding unresolved disputes from all three reports. 
Reconciliation of the last active and last payment dates to reflect the most recent payment activity accurately. 
Written confirmation of the corrections within 15 days of this notice. 
Should these corrections not be made promptly, I am prepared to escalate the matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal remedies under FCRA Sections 616 and 617 for willful or negligent noncompliance. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: TX

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXXXXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion

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