vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
Wells Fargo withdrew funds from my account in error, admitted the mistake, and promised a reversal. However, they are now delaying the return of my money. When withdrawing funds, they acted within 6 hours, yet they claim returning it takes significantly longer. This is an unfair and deceptive banking practice. I am requesting an immediate resolution.

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 2025-02-10 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA

Complaint narrative:
I am filing a formal complaint against PennyMac Loan Services , LLC regarding their inaccurate credit reporting and mishandling of my mortgage forbearance and repayment plan. Despite my proactive request for forbearance and compliance with all agreed-upon terms, PennyMac misreported my loan status to the credit bureaus, causing serious harm to my credit standing. 

Details of the Issue : 1. I requested to be placed in a disaster forbearance plan, which was granted by PennyMac. 
2. PennyMac assured me that my loan would be reported as current while in forbearance and later transitioned me into a repayment plan. 
3. Despite following all terms of the repayment plan, PennyMac reported my mortgage as 90 days delinquent between XX/XX/XXXX, and XX/XX/XXXX. 
4. This contradicts the terms of my forbearance agreement and repayment plan and has damaged my credit standing without justification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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 always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

I demand the late payment reported to be removed/updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 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: CA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate disputes on my credit report, resulting in the inclusion of inaccurate and misleading information. Despite disputing errors on my report, Equifax did not conduct a thorough investigation as required by the Fair Credit Reporting Act ( FCRA ). The company accepted incomplete or inaccurate responses from data furnishers without proper scrutiny, leading to the persistence of incorrect entries. Additionally, I discovered that inaccurate information was improperly reinserted into my credit report, likely under a new furnishers name. These errors have negatively impacted my ability to access credit, housing, and employment opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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 writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Velocity Portfolio Group
State: CA

Complaint narrative:
My information was sold on the dark web. I received 4 for email alerts from the US government, stating there was a breach of my social security information. The company was who fraudulent opened an account, with an electronic signature, then sold it to XXXX, I disputed it with the credit bureaus, then the removed it, and XXXX sold the false info to a collection Agency, who is tarnishing my credit, with false negative reporting.XXXX  XXXX is another fraudulent false electronic signature. I would like these items removed. The collection company will not respond to sending me proof of a statement or signature for purchase. The collection company is CKS PRIME INVESTMENTS FOR XXXX. They will not respond to me after many requests, and messages left on XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: FL

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 - {$XXXX} XXXX XXXX - XXXX - XX/XX/XXXX - {$XXXX} XXXX  XXXX - XXXX - XX/XX/XXXX - {$XXXX} XXXX XXXX - XXXX - XX/XX/XXXX - {$XXXX} XXXX XXXX - XXXX - XX/XX/XXXX - {$XXXX} XXXX - XXXX - XX/XX/XXXX - {$XXXX} XXXX XXXX  - XXXX - XX/XX/XXXX - {$XXXX} XXXX  - XXXX - XX/XX/XXXX - {$XXXX} XXXX  XXXX - XXXX - XX/XX/XXXX - {$XXXX} 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 explanation
Consumer complaint received 2025-02-10 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 kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: NJ

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of this. I'm gon na go to court. 

INQUIRIES : XXXX XXXX XXXXXX/XX/year> LATE PAYMENTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally dispute inaccurate and unverifiable information appearing on my credit report. Under 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), I am requesting that these accounts be investigated and removed if they can not be properly verified. 

The accounts in question are : XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$190.00} MIDLAND CREDIT MANAGEMENT INC Opened : XX/XX/XXXX Balance : {$220.00} XXXX XXXX Opened : XX/XX/XXXX Balance : {$400.00} XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$580.00} XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$3300.00} XXXX XXXX XXXX Opened : XXXX XXXX Balance : {$10000.00} I am disputing these accounts due to inaccuracies and/or lack of proper verification. According to FCRA, 15 U.S.C. 1681i, consumer reporting agencies must conduct a reasonable investigation and remove any information that can not be verified as accurate and complete. 

I request that you : Provide documentation proving that these accounts belong to me- as I never signed any contracts with any of the creditors listed with a wet signature, nor was I provided ID verification of agreement with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: ALLY FINANCIAL INC.
State: KY

Complaint narrative:
I was shopping for a vehicle at a dealership and gave them verbal and written permission to send me to XXXX lenders. They ended up sending me to XXXX lenders. They did by request submit a letter to give to the lenders that they didn't have permission and my information was sent by mistake. The problem is that the credit bureaus won't use that because it was identity theft and it's impossible to get a hold of anyone at the lending institutions to have those inquiries removed from XX/XX/year> from the following Ally-pulled my bureau XXXXXXXX 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 They should all have a number to reach someone but no one ever knows what to do. Trying to buy a house as well and this is going to hurt me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: Nelnet, Inc.
State: TX

Complaint narrative:
My personal/financial info was compromised without my authorization. This violates the FERPA ACT/ PRIVACY ACT OF 1974 and HIGHER EDUCATION ACT. This is a breach of my information. I request that you immediately cancel and discharge my student loans in full as they are void UNDER THE LAW. Given the severity of this breach and the resulting compromise of my personal and financial information, this makes my student loan repayment VOID UNDER the protections I have mentioned.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: DLC, LLC
State: GA

Complaint narrative:
I applied for a loan with the dollar loan center and I got approved but I never received my loan I asked so many times when will I recive my loan and they never responded to XXXX starting to belive they aren't even a real loan company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: UT

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank 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 explanation
Consumer complaint received 2025-02-10 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: CA

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate disputes on my credit report, resulting in the inclusion of inaccurate and misleading information. I disputed certain entries on my report due to errors, but Experian did not conduct a thorough investigation as required by the Fair Credit Reporting Act ( FCRA ). Instead, the company conducted what I believe was a sham investigation, accepting responses from the data furnisher without properly reviewing or questioning their validity. This led to the inaccurate information remaining on my credit report. 

Furthermore, despite having disputed this information and believing it had been corrected, I later discovered that the same erroneous entries were reinserted into my credit report, likely under a new furnishers name. This re-insertion of inaccurate information violates the protections set forth in the FCRA, which requires consumer reporting agencies to prevent such actions. 
Experians failure to notify me of the true results of my dispute and its failure to provide clear, consistent, and accurate information have had a significant negative impact on my ability to access credit, housing, and employment opportunities.

I am requesting that the CFPB investigate Experians practices and hold the company accountable for its violations of the FCRA, and ensure that my credit report is corrected and updated accordingly.

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 2025-02-10 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: IL

Complaint narrative:
1. Violation of FCRA and Consumer Law : The FCRA and consumer protection laws explicitly prohibit the reporting of inaccurate or incomplete information by consumer reporting agencies. The inclusion of this inaccurate account on my credit report constitutes a violation of these laws.

2. Immediate Deletion Requirement : Pursuant to FCRA and relevant consumer protection statutes, I demand the immediate deletion of this inaccurate account from my credit report unless the creditor wishes to face penalties of up to {$XXXX} for each violation. Failure to comply with this demand will result in legal action to enforce my rights under the law. 
3. Preparedness for Litigation : I am fully prepared to pursue litigation against the creditor and any consumer reporting agencies that continue to report this inaccurate account on my credit report. I have documented evidence to support my claim and will not hesitate to take legal action to rectify this matter.

I demand that you take immediate action to delete the inaccurate account from my credit report and provide me with written confirmation of its removal within [ specify a reasonable timeframe, e.g., 10 business days ] days of receipt of this letter.

Thank you for your prompt attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at the address or phone number provided above.

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 2025-02-10 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: FL

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> Subject : Notice of Civil Liability for Negligent Noncompliance Under 15 U.S. Code 1681o To Whom It May Concern ; I am writing to formally address a matter of negligent noncompliance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681o, which holds entities civilly liable for failure to comply with the Act due to negligence. 
XXXX. Re : Account for XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX It has come to my attention that Experian failed to ensure the accuracy of my credit report, and did not properly investigate my disputes. 
This failure constitutes negligent noncompliance and has resulted in damages, including but not limited to [ list damages, e.g., financial harm, XXXX XXXX impact, emotional distress, lost opportunities ].

Under 15 U.S.C. 1681o, an entity that negligently violates the FCRA is liable for : Actual damages sustained as a result of the violation. 
XXXX ' fees and costs in successful legal actions. 
To resolve this matter amicably, I request that you correct the inaccurate information within 30 days. Failure to comply XXXX result in further legal action, including a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and/or a lawsuit to recover damages as permitted under federal law. 
Please respond to this notice in writing within XXXX of receipt. If you require any additional information to facilitate a resolution, do not hesitate to contact me at the details provided above. 
I look forward to your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: NY

Complaint narrative:
The inaccurate information on my credit report has had a significant and unfair impact on my financial standing. This error has affected my ability to access opportunities that rely on an accurate credit history. I have always taken my financial responsibilities seriously, and it is frustrating to see my efforts undermined by incorrect reporting.

Company response to consumer: Closed with non-monetary relief