vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-06 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: GA

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 and evidence of a thorough investigation. This practices violates the Fair credit Reposting act ( FCRA ) 15 U.S.C 1681 which mandates a resonable investigation of disputes. Furthermore, Equifax 's action may also contravene the Consumer Financial Protection Act ( CFPA ) 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them similar violations. I request that CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. I have listed the accounts and account numbers XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: Harris & Harris, Ltd.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account HARRIS & HARRIS amount {$XXXX} has violated my rights. 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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: GA

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 explanation
Consumer complaint received 2025-03-06 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 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 2025-03-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: VW Credit
State: MA

Complaint narrative:
Hello, thank you for your time. I have tried to communicate with VW credit /customer service but it's very challenging to connect with someone at a supervisor level, or without being hung up, etc. 

I had a lease and completed the lease and it's been turned in late last year. Once receiving the final bill after turn in, I reached out to see if I could make monthly payments as I was struggling financially and personally and just couldn't give up /pay XXXX at once. Some personal reasons- XXXX death in the family ( extremely close ), separation of spouse and caring for XXXX kids, working full time, and just being stuck with a lot of financial burdens. I no longer can make payments on their website as my lease is over. I did speak to the individual and agreed to set me up on a plan for a reasonable amount so it wouldn't affect the credit that I have been working so hard to build up and keep strong. Little did I know, they don't do it automatically from my account and I would have to call in monthly as I can't access the VW site as I'm not a customer. This failed to be mentioned to me and just thought the little amount was just being deducted ( yes and no my bad, but I have so much going on that wasn't something I checked in on ). With that, I have learned the hard way and they charged off my account which has hurt my credit now drastically. I have tried a few times calling them to connect on this.. either get someone that says need to pay in full, or deal with and call credit but they don't have a credit department to speak to, been put on hold to transfer and hung up on and so on. I just wanted to make a reasonable payment arrangement and they just wouldn't consider it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
And the last past couple weeks, Ive been trying to purchase a used vehicle every dealership that I went to tells me oh we could get your done. My credit score is between XXXX to XXXX and they keep coming back on a cosigner or money down And I refuse to put money down on a vehicle with a credit score that high, but I received a letter from XXXX XXXXXXXX saying that I had a repossession thats not there no more its eight years old then I got ta let her again in my email from XXXX  XXXX but this time I got the letter they said they couldnt verify significant income, but they never call me or ask me to verify my income so there have been several times that they had denied me for a loan and each time was different reasons I failed this company XXXX XXXXXXXX is discriminating against me I have several cars that I purchased in the last XXXX  years and two or three of them paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: PR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX Subject : Credit Report Dispute Request for Investigation and Correction To Whom It May Concern, I am writing to formally dispute certain inaccuracies on my credit report that I obtained from Equifax. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute incomplete or inaccurate information, and I request an immediate investigation into the following items that appear incorrect : Accounts in Dispute : XXXX. XXXX XXXX XXXX  ( Account Ending in XXXX and XXXX ) o These accounts are reported as charged-off, but I believe there are inaccuracies in the reporting of balances and payment history. 
o XXXX request verification of the accuracy of these accounts or their removal if they can not be verified. 
XXXX. XXXX XXXXXXXX XXXX XXXX XXXX ( Account Ending in XXXX ) o This account is reported as charged-off, yet I believe there may be incorrect late payment entries or balance misreporting. 
o Please provide evidence supporting these reports or correct/remove inaccurate data. 
XXXX. XXXX XXXX XXXX ( Account Ending in XXXX ) o This account is reported as a collection account, and I do not recognize the validity of this debt. 
o Please verify its legitimacy or remove it from my credit report. 
XXXX. XXXX XXXX XXXX XXXX ( Account Ending in XXXX ) o This account was marked as charged-off and later transferred, but the details appear inconsistent. 
o XXXX request confirmation and correction of any misreported information. 
XXXX. Multiple Hard Inquiries o My credit report reflects XXXX hard inquiries, some of which I did not authorize. 
o Please remove any unauthorized inquiries per the FCRA. 
Request for Action : Please investigate and verify these items with the original creditors.

If the disputed information can not be verified within 30 days, I request that it be removed from my credit file as required by the FCRA. 
I request a written confirmation of the results of this investigation, including any updates made to my credit report. 
I have attached a copy of my credit report with the disputed items highlighted for reference. 
Additionally, I have included a copy of my government-issued ID and a utility bill to verify my identity. 
Please address this matter promptly. If you require further information, you may contact me at the email or phone number listed above. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: PR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX Subject : Credit Report Dispute Request for Investigation and Correction To Whom It May Concern, I am writing to formally dispute certain inaccuracies on my credit report that I obtained from Equifax. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute incomplete or inaccurate information, and I request an immediate investigation into the following items that appear incorrect : Accounts in Dispute : XXXX. XXXX XXXX XXXX  ( Account Ending in XXXX and XXXX ) o These accounts are reported as charged-off, but I believe there are inaccuracies in the reporting of balances and payment history. 
o XXXX request verification of the accuracy of these accounts or their removal if they can not be verified. 
XXXX. XXXX XXXXXXXX XXXX XXXX XXXX ( Account Ending in XXXX ) o This account is reported as charged-off, yet I believe there may be incorrect late payment entries or balance misreporting. 
o Please provide evidence supporting these reports or correct/remove inaccurate data. 
XXXX. XXXX XXXX XXXX ( Account Ending in XXXX ) o This account is reported as a collection account, and I do not recognize the validity of this debt. 
o Please verify its legitimacy or remove it from my credit report. 
XXXX. XXXX XXXX XXXX XXXX ( Account Ending in XXXX ) o This account was marked as charged-off and later transferred, but the details appear inconsistent. 
o XXXX request confirmation and correction of any misreported information. 
XXXX. Multiple Hard Inquiries o My credit report reflects XXXX hard inquiries, some of which I did not authorize. 
o Please remove any unauthorized inquiries per the FCRA. 
Request for Action : Please investigate and verify these items with the original creditors.

If the disputed information can not be verified within 30 days, I request that it be removed from my credit file as required by the FCRA. 
I request a written confirmation of the results of this investigation, including any updates made to my credit report. 
I have attached a copy of my credit report with the disputed items highlighted for reference. 
Additionally, I have included a copy of my government-issued ID and a utility bill to verify my identity. 
Please address this matter promptly. If you require further information, you may contact me at the email or phone number listed above. 
Sincerely, 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 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I reviewed my credit report and noticed several inaccuracies. I sent a letter to EQUIFAX in XXXX to dispute these items. However, it has been more than 35 days, and I have not received a response from the credit bureau. This delay is a violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires a response within XXXX days.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), if a consumer disputes the accuracy or completeness of any information in their file, the credit reporting agency must, at no cost, conduct a reasonable investigation, verify the disputed information, and update the file or remove inaccurate items within XXXX days of receiving the notice of dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: TX

Complaint narrative:
In a previous dispute, CFPB # XXXX on XX/XX/XXXX. I disputed a fraudulent account with XXXX XXXX XXXX XXXX Account XXXX XXXX Opened XX/XX/XXXX {$2000.00}, which was correctly removed. However, two other accounts that I did not dispute were erroneously deleted. These accounts, which belong to me, should not have been included in the dispute process. The accounts in question are : XXXX XXXX XXXX XXXX Account Account Number : XXXX Opened : XX/XX/XXXX Amount : {$500.00} XXXX XXXX XXXX XXXX Account Account Number : XXXX Opened : XX/XX/XXXX Amount : {$200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My dba being used fraudulently through wells Fargo along with different identities I solely have owner XXXX of smalltexasconnected entertainment

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 2025-03-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
My mortgage was just sold to Mr. Copper on XX/XX/year> from XXXXXXXX XXXX. I have been trying to verify the funds in the escrow account balance to see if they have paid the homeowners insurance renewal that is coming up yet as i am getting a new policy and do not want them to pay it for the old policy. They say that I do not have access to this yet and to wait. They have refused access to tell me how much was in my account and will not release this information. The renewal is soon and them causing this delay is going to result in them renewing a policy that i do not want and overpaying on said policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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:
Your company is reporting the below referenced account on my credit report as a collection account. The CFPB has filled sued for shame investigations. 

I have disputed this item with the credit reporting agency and had no resolution. They are reporting a " confirmed '' account as valid. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. These accounts do not belong to me. 

I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 
2. What is your authorization of law for your collection of information? 
3. What is your authorization of law for your collection of this alleged debt? 
4. Please evidence your authorization to do business or operate in this state. 
5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 
6. Please provide a complete account history, including any charges added for collection activity. 

You have thirty ( 30 ) days from receipt of this notice to respond. Failure to respond in writing, hand-signed, and in a timely manner, will be considered a waiver to any and all of your claims in this matter, and will entitle me to presume you placed this on my credit report ( s ) in error and that this matter is permanently closed. Provide the proof or correct the record and remove this invalid debt from all sources to which you have reported it. 

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 


Transunion Account : 1. XXXX XXXX XXXX account number : XXXX balance : {$190.00} 2. XXXX XXXX account number : XXXX balance : {$180.00} Equifax Account : 1. XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX balance : {$180.00} 2. XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX balance : {$190.00} Inquiries : XX/XX/year> IXXXX XXXX  XX/XX/year> XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX  XXXX XXXX XXXX XXXX XX/XX/year> 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 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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 no supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX  ( mo ) XXXX XXXX presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exists. ( please remove these accounts before i seek litigation for the defamation of character ) XXXXXXXX  balance {$27000.00}, XXXX XXXX XXXX  balance {$1400.00}

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 2025-03-06 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: NJ

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

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 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX XXXX XXXX  XXXX Ga XXXX Dispute of Personal Information To Whom It May Concern I am writing to formally dispute the personal information associated with my account that appears on my credit report. 
The disputed information XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX. XXXX XXXX XXXXXXXX XXXX  XXXX Ga XXXX XXXX. XXXX XXXX XXXXXXXX XXXX Ca Upon reviewing my records, I noticed that the information is incorrect, I do not recognize nor have i lived at any of these addresses. In accordance with the Fair Credit Reporting Act, I kindly request that you investigate this matter and prorities this dispute and provide a resolution immediately. A written response confirming deletion to all three credit bureaus. If you need any further information or documentation from my end to facilitate your review, please feel free to contact me via phone or email. 
Thank you for your attention to this matter. I look forward to your prompt response. 
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 2025-03-06 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: WI

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 - {$00.00} INQUIRIES : 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 non-monetary relief