vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-08 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:
Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding fraudulent accounts and credit inquiries that have appeared on my credit reports due to identity theft. I have attached my FTC Identity Theft Report ( Report Number : XXXX ) as supporting documentation. 

Details of the Identity Theft After reviewing my credit reports in XX/XX/XXXX, I discovered multiple fraudulent accounts and unauthorized credit inquiries that I did not initiate. The details are as follows : Fraudulent Accounts Opened in My Name : XXXX XXXX XXXX ( Auto Loan ) Opened fraudulently in XX/XX/XXXX XXXX XXXX XXXX ( Credit Card ) Opened fraudulently in XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Credit Card ) Opened fraudulently in XX/XX/XXXX XXXX XXXX  ( Credit Card ) Opened fraudulently in XX/XX/XXXX XXXX XXXX ( Credit Card ) Opened fraudulently in XX/XX/XXXX Unauthorized Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-02-08 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: OH

Complaint narrative:
Hi Recently, I did an investigation on my credit report and found several items and inquiries on there to be inaccurate. 

Under 15 U.S Code 1681e ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.A Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Please remove the following Inquiry from my credit report, immediately : XXXX ( Bank ) XXXX XXXX ( Finance ) XXXX XXXX ( Bank ) XXXX  ( Bank )

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 2025-02-08 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: CL Holdings LLC
State: IL

Complaint narrative:
Disputed with all credit companies the original creditor is XXXX I paid my bill in full and was able to switch my phone over to other company couple years later I received a collection notice for XXXXXXXX XXXX  I contacted XXXX they said there was nothing they could do because the account was sold so I got in contact with the debt collector and asked for original signed copies with my signature they never reply I never received anything except a bill from them any time I dispute it it comes back verified now the debt collector sold my collection account I tried to dispute it after gaining acknowledgment of this and its still coming back verified

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UPGRADE, INC.
State: NJ

Complaint narrative:
I opened an account with upgrade, I asked about a business account for convenience purposes they said they do not offer but the personal account will operate just like a business account no problem, On XX/XX/year> I received a deposit of {$25000.00}, Things were fine, I even made a wire transfer of {$2000.00} The next day, on XX/XX/XXXX, I got another deposit of {$26000.00}. 
Later my account was RESTRICTED/ SUSPENDED. 
They told me it takes 30 days to REVIEW the account, Then I made plans to pay bills handle my obligations, XX/XX/XXXX, they explained that there are business days and holidays, I called again they asked for me to be patient as this review could take 30-45 days to.complete Well into XX/XX/year>, No results, all I'm told is someone from the customer Conpliance Team would email me, Now they tell me 30-60 days, that ended XX/XX/year> There's still a hold, on my account, and noticed that there are XXXX complaints in the XXXX  for the exact same thing.. 
This company, is not a bank, it's a banking tech company, that should not tie up money, for what ever reasons, they have yet to answer from this mystery department, Customers are complaining they want their money back, they are ruining my business. 
Still there us no reply email, telling me what is going on with this account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: MD

Complaint narrative:
XX/XX/XXXX Dispute letter sent XX/XX/XXXX Dispute letters sent XX/XX/XXXX Dispute letters Incorrect information still remains on my credit reports

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 2025-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I secured a home mortgage loan with Wells Fargo in XXXX. Subsequently, I refinanced with same company for a lower interest rate via product Close At Home mortgage kit. This refinanced mortgage with my name attached was paid off on XX/XX/XXXX, when former husband refinanced and retained possession during divorce, thus eliminating my name from property as per mutual consent. 

In reviewing documents on county clerks website, the refinanced documents have an unknown account number, indicating a new mortgage versus a refinance. Further, I am unsure of the validity of ANY of these documents. County Clerks only record. They do not verify authenticity. I need verification of documents, to confirm validity.

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 2025-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of charged and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$5200.00}, XXXX Account # XXXX date opened XX/XX/XXXX bal. {$1100.00}, XXXX XXXX XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, SXXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$0.00} XXXX XXXX XXXX ( XXXX Account # XXXX date opened XX/XX/XXXX bal. {$0.00}. Inquiries : XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries 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 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 — Information belongs to someone else
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
This account is an individual account that belongs to my husband. This loan was not mine and should not be reported on my credit. I have the 1099-C they sent to him for the Charge off of the account. This is verification that this account DOES not belong to me and this account was not a joint account!! Fair Credit Reporting Act should be used in this situation that ensures correct and complete information and identification when reporting collection accounts and this is not my account

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 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am disputing the bankruptcy information that TransUnion is reporting on my credit file. I have official written confirmation from the XXXX XXXX XXXX XXXX XXXX XXXXXXXX stating that they do not report, verify, or validate bankruptcies with credit bureaus. 

Since the court does not provide this information, I requested TransUnion to remove the bankruptcy from my credit file due to improper verification. This is a violation of the Fair Credit Reporting Act ( FCRA ), which requires accurate and verifiable reporting. 

I have already disputed this with TransUnion and provided them with the courts official letter, yet they have failed to remove the inaccurate bankruptcy record. 

I request that the CFPB investigate this matter and ensure that TransUnion properly removes the unverified bankruptcy from my credit report immediately. I am attaching : A copy of my dispute letter to TransUnion. 
A copy of the letter from the XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

Please help resolve this issue as it is preventing me from securing a mortgage and improving my financial stability. Thank you for your time and attention. ''

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 2025-02-08 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: GA

Complaint narrative:
Im requesting proof of the previous investigation. Please provide details on how the investigation was conducted, including records of who was contacted, their name, business address, and phone number. Additionally, Id like any documentation that confirms the account was reported as late. If youre unable to provide this information within 15 days, please update the account status to **Paid/Never Late** and send me a copy of my updated credit report. ( XXXXXXXX XXXX XX/XX/year> ) Ive also noticed inconsistencies in the reporting across different bureaus Equifax is showing the account as 60 days late, TransUnion is showing 30 days late, and Experian is reporting it as never late. Please clarify which is accurate and provide supporting documentation. If youre unable to verify this information, I request that you correct the discrepancies and update the account accordingly. 

( XXXXXXXX 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 2025-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MN

Complaint narrative:
Midland Credit Management is attempting to garnishing my hard earned. I have disputed the issue with them and have asking them in multiple times to be proving that they are legally the owner of this debt, and that they are the creditor that extended credit. I have asked that the providing the purchased agreement. Midland Credit Management has failed to by providing any legal documents that entails that I have owe them any amount, any contract, any agreement between myself and them. They have only sent me some numbers of an Account that already XXXX out and redacted documents that can not be read or can be understood. 
On XX/XX/year>. Midland Credit Management has responded and indicated that the matter is Cease and Desist but still open loophole to garnishing my hard earned. This is the evilest respond and sly of hand. Now XXXXXXXX XXXX XXXXXXXX sent paper works to my employer in the attempt to collect the debt that has never been proving. This illegal practice using words in loophole as legal mean is evil, only monsters and demons are practicing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 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: TX

Complaint narrative:
It started in XXXXXXXX XXXX XXXX  I noticed a lot of hard inquiries that I don't recognize. I called Equifax, and Transunion and informed them about the Fraudulent activity on my account from the inquiries. I Dispute the following hard inquiries on my credit report. 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX 
Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C 1681i ), Unverified Inquiry 's Must 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 non-monetary relief
Consumer complaint received 2025-02-08 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX  XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX  XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: NJ

Complaint narrative:
SpringOaks Capital repeatedly calls me and has a delinquent account on my credit report. I asked for proof of the debt owed to see where the debt originated from and I have not received any information that proves this debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I recently received a copy of my credit report and learned that I was a victim of identity theft. This is hurting my ability to receive credit at this time to purchase a home for my family. Please remove this fraudulent account for my credit report. Thank you.

Company response to consumer: Closed with explanation