vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-09 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: OK

Complaint narrative:
I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 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: OK

Complaint narrative:
I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.

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 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.

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 2025-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC
State: FL

Complaint narrative:
this account was open fraudulent and was disputed and accepted awhile ago its off 2 of 3 main credit bureaus but still popping up I want it removed fully I do not owe this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: FL

Complaint narrative:
I received the letter from debt collector Source Receivables Management, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, phone XXXX on behalf XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX, phone XXXX, about a debt in the amount of {$160.00} for which I have no explanation from XXXX, and no more details and evidence from them which documentation of what I signed and why this debt is attributed to me. It's true that XXXX had my bank account and direct deposit to which they had some freedom to take whatever they wanted. I want to dispute the debt because I think this is not my debt and the amount is wrong. I don't owe anything to XXXX  and that has been shown by my new phone company that did the transfer from XXXX. No debts were present and found in the system of transferring. XXXX had my bank account where they used during the time of my new company and took {$120.00}, without any knowledge, approval and permission that they were going to do this. I called XXXX, and they told me to dispute the charge amount of {$120.00} with my bank, and I did, and they informed me that they will temporarily return that amount to me until the case is resolved. It can be find the conversation with a XXXX representative as a recorded conversation by XXXX and it serves as proof that my statement is correct. Therefore, it is not known how it came to them and it is obvious that this procedure is closed and them action is considered wrongful work and therefore it is necessary to reject this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: IN

Complaint narrative:
I was unable to use my card and on contacting the customer care for Vanilla Prepaid card, I was told its placed on hold because there was a suspicious activity on the card & I also need to verify my identity, of which I sent my valid documents to XXXX with the CASE NUMBER : XXXX and my request for Replacement Card was Accepted but the complaint was that my address is not eligible for a Replacement Card and I dont know what else to do bc I needed my money, its {$200.00}. Or do I need to go ask for people address bc I wan na receive a replacement card, if the REPLACEMENT CARD cant be Sent to my Address then a REFUND CHECK should be better, please kindly help this old boy out CFPB and I will really appreciate, GOD bless yall

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: NC

Complaint narrative:
I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
XXXX XXXX XXXX I changed my homeowners insurance and my new company, XXXX XXXX XXXX notified PHH Mortgage. 

XXXX  days later- PHH Mortgage issued payment to my old carrier, XXXX XXXX XXXX I promptly corrected them and they issued payment to XXXX XXXX, causing a shortage in my escrow account. 

For weeks I called PHH, XXXX, and XXXX XXXX and finally came to a resolution after XXXX issued a check back to me and I called PHH and deposited the funds back to my account. 

During this time an escrow analysis was performed and my payment increased exponentially due to PHH 's error. After all the back and forth, and my insistence, a new analysis was created. The new analysis includes my taxes and insurance increasing by $ XXXX and PHH tacking on an additional $ XXXX on top of that " per my mortgage agreement stipulations. '' My mortgage was sold to PHH after we closed in XXXX  and in reviewing the original Deed of Trust documents, I determined there was no grounds for such an exorbitant increase and wrote the following email to them twice, which they never responded to : " I reviewed my recent escrow analysis and noticed that while my actual escrow costs ( taxes and insurance ) are increasing by approximately {$49.00} per month, PHH is also requiring an additional {$56.00} per month for a cushion. This means the cushion alone is 114 % of the actual increase in escrow costs, which seems excessive. 

After reviewing my original Deed of Trust, I see that my mortgage agreement does not stipulate the need for an additional cushion beyond what is required for escrow items under RESPA. Additionally, the sale of my loan to PHH does not allow the terms to change without my direct written consent. Please provide a detailed explanation of how this cushion was calculated and how it complies with RESPA limits. 

Also, I have not received a copy of the updated escrow analysis. Please provide a copy at your earliest convenience. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: AZ

Complaint narrative:
Equifax is reporting negative items on my credit report without my handwriting consent collections account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On XX/XX/year> my Wells Fargo banking accounts was breached and XXXX was transferred from my checking account and transferred to my Wells Fargo debit card and transferred to my XXXXXXXX XXXX Account and then instantly transferred that day at XXXX to I dont know who. I contacted Wells Fargo and went through the fraud claims process and my fraud claim was denied.

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 2025-03-09 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: MD

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: IL

Complaint narrative:
I recently received a debt collection notice from your office regarding an alleged debt. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, this letter serves as my formal request for validation of the debt you are attempting to collect.

Until you provide proper validation, I request that you cease all collection efforts and refrain from reporting this debt to any credit reporting agencies. If you have already reported this debt, my dispute should be immediately noted on my credit file. 

In accordance with federal law, please provide the following : XXXX. Validation of the Debt The name and address of both the original creditor and the current creditor. 
A detailed breakdown of the amount you claim I owe, including fees and interest. 
Proof that a valid contract exists establishing this debt. 
XXXX. Proof of Your Legal Right to Collect Documentation of all assignments and transfers of this debt from the original creditor to the current creditor. 
Evidence that you have been legally authorized to collect this debt on behalf of the creditor. 
XXXX. Permissible Purpose for Credit Access If you have accessed my credit report, please provide the specific permissible purpose under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b that justifies this inquiry.

If you can not validate this purpose, I request that you remove any inquiries and cease further access. 
XXXX. Cease-and-Desist Collection Activities Until the requested validation is provided, please stop all collection activities related to this debt.

I also request that all future communications be in writing only. 

Notification to Other Collectors : If this debt is transferred or sold to another collection agency, you are required to inform them that this debt is disputed and provide them with a copy of this letter. 

Please respond within XXXX  days of receiving this request. Failure to do so will be considered a violation of the FDCPA and FCRA, and I will pursue my rights accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: FL

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the XXXX  's recent administrative proceeding ( File No XXXX, AND File No XXXX ) against them for similar violations. I request that the CFPB take actions to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: Southern Auto Finance Co
State: FL

Complaint narrative:
I am writing to formally dispute inaccurate information that has been reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681o, negligent noncompliance with the Act subjects the responsible party to liability for actual damages, as well as attorneys fees and costs. 

Upon reviewing my credit report, I identified the following inaccurate information : [ List the inaccurate accounts or items, including the creditor name, account number ( if available ), and the nature of the inaccuracy. ] I have already attempted to resolve this matter through previous disputes and communications ; however, this incorrect information remains uncorrected. This failure to ensure the accuracy of my consumer file and take reasonable steps to investigate and rectify the errors constitutes negligence under the FCRA. 

To resolve this matter, I demand that you : 1. Conduct a reasonable reinvestigation into the disputed information, as required by law. 
XXXX. Provide me with a detailed response regarding your findings. 
XXXX. Correct or delete the inaccurate information if you are unable to verify its accuracy. 
XXXX. Provide me with an updated copy of my credit report reflecting the necessary corrections. 

Failure to comply with these legal obligations may result in legal action seeking statutory damages, actual damages, and any other remedies available under the law. 

I expect a written response within 30 days, as required by the FCRA. Please send all correspondence regarding this matter to the address listed above. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: GA

Complaint narrative:
Experian, Transunion, & Equifax has failed to fulfill its legal obligation under the Fair Credit Report Act ( FCRA ) to conduct a reasonable re investigation of a disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian XXXX Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian XXXX Equifax also TransUnion has not corrected nor removed disputed items, despite the evidence i provided, causing ongoing harm to my credit standing. I am respectfully requesting immediate corrective action to remove or amend the disputed accounts, as Experian, TransUnion, & Equifax inaction violates federal law and my protected rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: IL

Complaint narrative:
I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 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: IL

Complaint narrative:
I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.

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 2025-03-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Self Financial Inc.
State: MD

Complaint narrative:
The {$83.00} should have been paid by the security on the accountThis account shouldnt have been charged off.I wasnt given and pandemic relief .I wasnt offered any care act I will filing a federal lawsuit about this.My consumer rights are being violated My new telephone number is XXXX XXXX XXXX

Company response to consumer: Closed with explanation