vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-09 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: NY

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 - XX/XX/XXXX - {$730.00} XXXX  - XXXX - XX/XX/XXXX - {$630.00} XXXX  - XXXX - XX/XX/XXXX - {$1000.00} XXXX  - XXXX - XX/XX/XXXX - {$580.00} XXXX  - XXXX - XX/XX/XXXX - {$770.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX  XXXXXXXX  - XXXX XXXX XX/XX/XXXX XXXX {$0.00} XXXX/XXXX  - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXXXXXX XXXXXXXX  - XXXX XXXX XX/XX/XXXX XXXX {$310.00} XXXX  XXXX XXXX - XXXX - XX/XX/XXXX XXXX {$700.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$550.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1000.00} XXXX XXXX  XXXX - XXXX XXXX XX/XX/XXXX - {$910.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$580.00} XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$770.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$630.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$730.00} XXXX XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$1000.00} XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$800.00} INQUIRIES : 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 non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/year>, I submitted a Qualified Written Request ( QWR ) to Wells Fargo pursuant to the Real Estate Settlement Procedures Act ( RESPA ), 12 U.S.C. 2605 ( e ), and Regulation X ( 12 C.F.R. 1024.36 ). The letter was sent via Certified Mail and included over 30 formal servicing-related requests. These included : Loan ownership history and chain of title Servicing records ( XXXX XXXX XXXX XXXX ) Foreclosure fees, title record discrepancies, and payoff accounting All loss mitigation and mediation communications A demand to halt foreclosure due to unresolved servicing errors Wells Fargo responded only with a generic acknowledgment letter dated XX/XX/year>, promising a response by XX/XX/year>. No complete or substantive written response was ever received, in violation of the 30-business-day deadline required by RESPA.

This is a clear violation of 12 U.S.C. 2605 ( e ). I am requesting enforcement action, a full response from Wells Fargo, and an investigation into their pattern of RESPA noncompliance. 

I have attached a complete PDF of the original XXXX, Wells Fargos acknowledgment letter, and the Certified Mail proof of delivery.

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 2025-04-09 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: NY

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 ), XXXX XXXX XXXX i, which mandates a reasonable investigation of disputes. Furthermore, XXXX action XXXX also contravene the consumer financial protection act ( XXXX ), XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complied with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: CT

Complaint narrative:
On XX/XX/year> someone had attempted to use my Apple Card to purchase tickets to XXXX as well as book a XXXX XXXX XXXX  XXXX. I immediately saw the charge come through and reported it as fraud. If you look at the XXXX transactions, they were stopped. The {$260.00} I have disputed 27 times. I have been getting the run around from multiple " supervisors '' who tell me they sympathize with my situation and will do everything they can for me. I have asked for managers and was blatantly told that the " back end '' was working through the issue. I have asked for the documentation from XXXX as to WHY the other charges were credited back but this one was not. They keep saying " they are investigating '' but then always put the charge back on. I have proved identity fraud with three other credit cards on the same day and they were all taken care of. I have been given the run around by grossly incompetent staff and supervisors who pacify me and have told me they have filed a complaint on my behalf. I truly didn't know where to go until I googled, and the XXXX  came up as a solution. I have provided notarized statements, proof beyond what I should have and STILL they always favor against me. I am NOT - REFUSE to pay for blatant fraud. As soon as I saw these charges, I contacted Goldman Sachs and XXXX and alerted them that my identity was stolen and that these charges were not being made by me. Why this {$260.00} can not be closed is beyond my comprehension. They are rude now when I contact them and say, " well this has been asserted 27 times. '' Your darn right it has- why should I pay for something that was not made or even enjoyed by me. The people at Goldman Sachs handling disputes are grossly inept and incompetent. I refuse to pay this debt and because it is no longer a provisional credit, I am accruing interest on it. Please help me to get this dispute finalized in my favor. They have the proof for over 2 years and it the principle of the matter. I have also asked for documentation of the investigation, and it has never been received. I was also told to respond to emails that have gone unanswered. The complete lack of respect towards me via chat, phone and with managers and supervisors has been egregious. I flat out REFUSE to pay for something that is fraud. I will not succumb to their incompetence!! Furthermore, I cancelled the card that vey same night and was sent a new one - clearly indicating that someone had breached the integrity of the card and my identity.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
" I have repeatedly notified TransUnion of inaccurate personal information on my credit report. Despite my efforts, they continue to report this incorrect information, which is not only unfair but also a violation of my consumer rights ''

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 2025-04-09 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: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I reached out to report an incident involving a fraudulent credit card account that was opened in my name with Navy Federal without my consent. 

On XX/XX/XXXX. I became aware of this fraudulent account when I received a notification from a credit report alert, a statement in the mail, Upon reviewing my credit report, I discovered a credit card account listed under my name that I had not authorized or opened. 

Concerned about the situation, I promptly contacted Navy Federals customer service at ( XXXX ) During the call, I explained that I did not open the account and that it was fraudulent. The representative I spoke with was helpful, and after reviewing my account, they acknowledged that there was a fraudulent account associated with my name. 

I was instructed to complete a fraud affidavit and provide documentation to verify my identity. I submitted the required paperwork and was assured that the matter would be investigated. However, as of today, XX/XX/XXXX. I have not received any updates regarding the status of my claim or the resolution of the fraudulent account. 

This experience has caused me significant distress and has negatively impacted my credit score.

I am requesting the CFPB 's assistance in resolving this issue promptly. I believe it is essential for financial institutions to take immediate action against fraudulent accounts to protect consumers and prevent further damage.

Thank you for your attention to this matter. Please let me know if you require any additional information or documentation to support my case.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: PA

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 XXXX 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 2025-04-09 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: CT

Complaint narrative:
Please remove fraudulent accounts and hard inquiries from my credit profile off Experian, Equifax, Trans union immediately! 

XXXX XXXX XXXX XXXX XXXX XXXX {$620.00} XXXX XXXX XXXX XXXX XX/XX/year> {$2600.00} XXXX ( BANK ) XXXX XXXX XXXX  XXXX BANK XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: CT

Complaint narrative:
Please remove fraudulent accounts and hard inquiries from my credit profile off Experian, Equifax, Trans union immediately! 

XXXX XXXX XXXX XXXX XXXX XXXX {$620.00} XXXX XXXX XXXX XXXX XX/XX/year> {$2600.00} XXXX ( BANK ) XXXX XXXX XXXX  XXXX BANK 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 2025-04-09 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: CA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-04-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Upon reviewing my payment records, 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 non-monetary relief
Consumer complaint received 2025-04-09 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: PA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: IL

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 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 2025-04-09 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: NJ

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-04-09 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX credit XXXX XXXX XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account. 

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.

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 2025-04-09 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: NC

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$830.00} XXXX XXXX XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$820.00} UNAUTHORIZED MEDICAL BILL - XXXX - XX/XX/XXXX - {$900.00} XXXX  - XXXX - XX/XX/XXXX - {$0.00} INQUIRIES : XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 2025-04-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
I am filing this complaint regarding PennyMacs handling of my insurance claim proceeds following storm damage to my home. Despite complying with their repeated requests and providing all necessary documentation, they continue to delay disbursement of funds critical to repairing my roof, which is actively leaking and causing further damage.

The contractors bid has been submitted with their business name ( XXXX XXXX XXXX XXXX ) and signed accordingly. PennyMac initially claimed the bid needed a signature, which I confirmed was present. They later claimed the contractors full name was not listed, despite the business name appearing clearly. This continued shifting of requirements appears to be a deliberate delay tactic. 

Under Texas Insurance Code 557.003, lenders are required to release insurance proceeds within 10 days of receiving a written request and all required documentation. I submitted my formal written request along with all documentation, and they have failed to release the funds or provide a valid reason for denial. 

Their actions are placing my property at risk for additional damage and creating an unnecessary burden. I am requesting the CFPB investigate this matter and ensure PennyMac complies with state regulations and disburses the insurance funds immediately. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: NC

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: CA

Complaint narrative:
I pulled my credit report and I am writing to formally request the removal of outdated and incorrect addresses currently listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 12 U.S.C. 1681b ( 2 ) and Section 605B, I understand that credit reporting agencies are required to ensure the accuracy and relevancy of the information they maintain. The following addresses are no longer accurate or relevant and should be removed from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2025-04-09 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: MI

Complaint narrative:
Upon reviewing my credit report, I have Identified several inaccuracles in this account 's reporting. 
Due to these Inaccuracies, I am formally requesting that the information be thoroughly Investigated and verified. If it can not be verified as accurate, I request that it be removed from my credit report entirely. 
The inaccuracles in this account are affecting my credit score and financial standing unjustly. As per my rights under the FCRA, I demand that this Issue be resolved within the legally specified timeframe of 30-45 days from the receipt of this letter. Fallure to address and correct these Inaccuracies wileave me no choice but to pursue legal action. Under the F-CRA, I am entitled to collect {$1000.00} In damages for each Inaccuracy present on my credit report.

Please find enclosed coples of relevant documentation supporting my claim, including a copy of my credit report with the disputed Item highlighted, and any other pertinent records. 
I expect to recolve written confirmation that you have received this dispute and that you will Investigato the matter. Additionally, please provide me with the results of your investigation as soon as It is complete. 
Thank you for your prompt attention to this serious matter. I look forward to your swift response

Company response to consumer: Closed with explanation