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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXXXXXX is alledging a debt that I am not aware of and is reporting this alledged account illegally. I dispute this debt in its entirety and I was not given the opportunity to dispute this alledged debt that does not belong to me and I initially did not receive the initial notice required under the ( FDCPA ). 
Therefore, I will testify in a court of law that I received absolutely NOTHING from XXXX XXXX  regarding this alledged account before I noticed it on my credit report. 
I demand PROOF that I received the initial notice required by law.

I demand this PROOF of my receiving the notice by providing me a tracking number that will reveal the date that the notice was delivered or DELETE it from my Equifax credit report immediately.

I am also requesting the names of the attorney ( s ) who reviewed the file pertaining to this alledged debt that contains my non public personal information. 
Also if this alledged debt was purchased by XXXX XXXX then I would like to request the amount this debt was purchased for? 
I request this information because the amount reporting should reflect the ACCURATE amount after it was purchased or that amount reporting is incorrect. 
Additionally, what is the exact amount of the payment that allegedly was made on this account. If no adjustment was made after the payment was made then that is one more reason to delete this account for inaccuracy. This account must be deleted because it is not my debt and due to the actionable violations committed. 
This account must be deleted because status is incorrect. 
Again, this account must be deleted because account was paid on by a third party and the accurate amount is not reflecting if it is true that the account was actually purchased. 

I never received the initial validation notice and request the tracking # information as proof it was indeed delivered and received by me or remove this item from my credit report. 
Additionally, I also request the Transfer of Ownership along with a copy of Purchase Agreement that should reveal all the parties involved. 

Remove this alledged erroneous accounXXXX XXXX XXXX XXXXXXXX from my credit report immediately.

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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
- I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 - {$0.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXXXX 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: 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: DC

Complaint narrative:
so I initiated a dispute online on XX/XX/year>. I uploaded all documents required including my FTC report. i stated my claims in the initial dispute and i heard nothing back in over a week so i decided i would call in. once on the line with the supervisor i was informed that my dispute was inputted improperly and that she would cancel and start a new one. With this i would receive notice within 4 business days of my items being removed/ suppressed while the investigation takes place. This was XX/XX/XXXX. Today is XX/XX/XXXX and there was still no movement on my dispute so i decided to give them a call again. This time the agent told me that my dispute was initiated on the XXXX of XXXX and would be completed by the XXXX of XXXX. i explained my frustration and how this was unacceptable due to the FCRA 605B ( 15 U.S.C. 1681c-2 ) stating they had 4 business days to remove the items so i would like this taken care of expeditiously. i was brushed off and made to feel like even with the law i had zero control over my personal information. at this moment i am going through XXXX  XXXX and am losing confidence in congressional finding because if i can't inforce what is written who will. Of course this brings me here and my next stop will be my Attorney General Office and a lawsuit for blatantly violating my rights by disregarding my request. Please help me remediate this issue and find some peace and balance. thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-04-09 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am a victim of the Equifax data breach please see attachments below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
Accounts that were opened in my name at Wells Fargo that i never new about or gave permission/consent to have them opened. I was supposed to receive compensation in the class action settlement and have reached out to get answers on to how, even with Wells Fargo only to receive nothing, no response and no answers. Would some one please help me with this? Oh and while all this is going on i receive letters from Wells Fargo telling that " due to the age and of the debt that account XXXX will be considered closed and no additional payments are required ''. And I've received four of these letters now.

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: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
In XXXX, a company named XXXX XXXX XXXX XXXX began pursuing me for a student loan debt connected to XXXX XXXX XXXX XXXX. I was never properly notified or given a chance to dispute the debt before they obtained a default judgment and began garnishing my wages. I had no idea this judgment existed until my checks started being short without warning. 

I later discovered that the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX had committed widespread fraud and approved full loan forgiveness for all federal loans tied to that school, including mine. I received a refund from the Department of Education for every dollar paid toward those loans. 

This debt was never a private loan. XXXX claimed I owed money beyond what financial aid covered and sold that false debt to collections without my knowledge. XXXX, XXXX XXXX XXXX and XXXX XXXX garnished thousands from my paychecks while I was a single mother supporting my family. This took food off my table and money away from my children, all over a debt I never truly owed. 

Now theyve offered to stop collections and release the judgment, but I am seeking justice. I want a full refund of the garnished wages and accountability for the financial and emotional damage they caused. This debt should never have been collected to begin with.

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: 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: OH

Complaint narrative:
AI kindly request that the XXXX points erroneously removed from my credit report be reinstated as soon as possible. Their absence is significantly impacting my financial situation and causing undue hardship in my life.

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: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
My information was sold and purchased by this company claiming to own a debt from another company. They keep calling me sending emails and with a persecution against my consumer report and me personally. This is harassment and I have not conducted any business with this company person or product.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: NV

Complaint narrative:
ive had this account since XXXX  with no issues. i saw an advertisement they had for 20 % off living trusts and made a mobile deposit of {$8000.00}, a cashiers check from XXXX that has my post office box address on it for my small businesses, so that i can protect my home address, which is what Sofi has on file. the check was deposited on XX/XX/XXXX, and was subject to a hold. i was given a timeline for the funds to settle, starting XX/XX/XXXX with {$500.00}, XX/XX/XXXX with {$200.00}, XX/XX/XXXX with {$4800.00}, and lastly XX/XX/XXXX with {$2400.00}. however, on the XXXX, i received an email that my account was temporarily restricted. i called immediately and the person i spoke to said they just wanted to double check that the check would clear and investigate whatever they needed to and that ill get a push notification and email when it was lifted but i was always welcome to call back. i just waited instead, as i knew the cashier check would clear.. they are same as cash. well the money appeared in my account exactly as predicted, so i didnt think much of it. on XX/XX/XXXX, i received both a push notification and an email from them that the funds are now available. the email also told me to " please dispose of the check properly. '' i still get normal emails from them, and when i sign in, my account looks normal. however, when i click and go into my checking and try to do anything at all, im told its restricted. ive called dozens of times, and was told my account was going to be closed, but the only answer i received when i asked approximately how long so i can plan my fiances and take out loans, the only answer i receive is " eventually. '' today when i asked for a formal letter asking for the reason after i asked if i was under investigation or if there was a court issue that they had to comply with and was told no, i asked again for a letter, but XXXX said that they dont send letters until they are completed because they dont want to give false information. i asked and know that they havent been in contact with usbank to verify anything with me, and the only thing i can think of other than the amount being large, is that i have a different address on the check under my name, which is why i kept insisting on sending them any proof they needed, or even having them call the XXXX XXXX XXXX, but i am given nothing and still waiting for " eventually. ''

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: Experian Information Solutions 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 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I submitted a request for debt validation from Experian on XX/XX/year>, and it returned today. 

The account with XXXX XXXX XXXX that starts with XXXXXXXX has not been changed and will remain on your credit report. 

Source : Experian Date Submitted : XXXX XXXX XXXX  Report Number : XXXX Account Number : XXXX I dispute the validity of the alleged debt. I also request verification of the alleged debt, specifically a copy of the ORIGINAL PURCHASE AGREEMENT. The agreement must be with the original creditor and signed by all parties involved. I am requesting this because I have had different companies reach out to me about this same alleged debt.

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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, 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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Arena Investors, LP
State: FL

Complaint narrative:
They keep calling me for a fast loan debt. I never had a fast loan or a payday loan. I checked my credit report just in case nothing there. They have the last XXXX of my social and are threatening me with a lawsuit. I have never had such a loan.

Company response to consumer: Untimely response
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Under 15 U.S.C. 1681s-2, furnishers of information to CRAs are required to report accurate and complete information. The reporting of this debt appears to be inaccurate, as they have failed to validate the debt and have not provided the necessary documentation to prove the debt 's legitimacy. As such, this constitutes a violation of their duties under the FCRA. 

I am disputing multiple inaccuracies that's on my credit reports, which consists of payment history, balance owed, and confusion as to who owns the account. 

Specifically, Experian identifies XXXX & XX/XX/year>, both as XXXX late days ; XXXX has multiple entries that starts at 60 days late, but there are no 30 days late payment entries ; XXXX also identifies XX/XX/year> as 150 days late, but XXXX & XX/XX/year> does not have any payment information ; XXXX identifies XXXX through XX/XX/year>, as 120 days late ( for each month ). 

15 U.S. Code 1666b prohibits a creditor from treating a payment as late unless they can show that the periodic statement was mailed or delivered to the consumer at least 21 days before the payment due date. This is an essential element for justifying any late payment reporting. 

XXXX, Experian and XXXX indicates that the balance owed is {$160.00}, but XXXX indicates that the balance owed is {$200.00}. 

This account is being reported by multiple entities as active and owed. Only XXXX party can own and report the balance. This violates FCRA 1681s-2 ( a ). 
XXXX indicates that the account is owned by XXXX, Experian indicates that the account is owned by XXXX : XXXX : VT, XXXX indicates that the account is owned by XXXX XXXX, and XXXX indicates that the account was sold to 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 2025-04-09 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: IL

Complaint narrative:
Under 15 U.S.C. 1681s-2, furnishers of information to CRAs are required to report accurate and complete information. The reporting of this debt appears to be inaccurate, as they have failed to validate the debt and have not provided the necessary documentation to prove the debt 's legitimacy. As such, this constitutes a violation of their duties under the FCRA. 

I am disputing multiple inaccuracies that's on my credit reports, which consists of payment history, balance owed, and confusion as to who owns the account. 

Specifically, Experian identifies XXXX & XX/XX/year>, both as XXXX late days ; XXXX has multiple entries that starts at 60 days late, but there are no 30 days late payment entries ; XXXX also identifies XX/XX/year> as 150 days late, but XXXX & XX/XX/year> does not have any payment information ; XXXX identifies XXXX through XX/XX/year>, as 120 days late ( for each month ). 

15 U.S. Code 1666b prohibits a creditor from treating a payment as late unless they can show that the periodic statement was mailed or delivered to the consumer at least 21 days before the payment due date. This is an essential element for justifying any late payment reporting. 

XXXX, Experian and XXXX indicates that the balance owed is {$160.00}, but XXXX indicates that the balance owed is {$200.00}. 

This account is being reported by multiple entities as active and owed. Only XXXX party can own and report the balance. This violates FCRA 1681s-2 ( a ). 
XXXX indicates that the account is owned by XXXX, Experian indicates that the account is owned by XXXX : XXXX : VT, XXXX indicates that the account is owned by XXXX XXXX, and XXXX indicates that the account was sold to XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief