vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-03 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 2025-04-03 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 have not supplied proof under the doctrine of estoppel by silence, 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 2025-04-03 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: MI

Complaint narrative:
This CFPB complaint has been filed in relation to FCRA 605B ( 15 U.S.C. 1681c-2 ) that the credit reporting agencies ( TransUnion, Equifax, and Experian ) block inaccurate 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. I believe this information may be linked to the exposure of my personal information during previous and recent data breaches. Which compromised sensitive information for millions of consumers and could have contributed to the inaccuracies or fraudulent activity on my credit report. 

I am writing to report and formally dispute the inaccurate and unverifiable information on my credit report under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692c and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. The following account ( s ) are being reported incorrectly as I did not authorize nor do I recognize these accounts. Therefore, they must be deleted immediately : 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 XXXXXX/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 2025-04-03 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: MI

Complaint narrative:
This CFPB complaint has been filed in relation to FCRA 605B ( 15 U.S.C. 1681c-2 ) that the credit reporting agencies ( TransUnion, Equifax, and Experian ) block inaccurate 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. I believe this information may be linked to the exposure of my personal information during previous and recent data breaches. Which compromised sensitive information for millions of consumers and could have contributed to the inaccuracies or fraudulent activity on my credit report. 

I am writing to report and formally dispute the inaccurate and unverifiable information on my credit report under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692c and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. The following account ( s ) are being reported incorrectly as I did not authorize nor do I recognize these accounts. Therefore, they must be deleted immediately : 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to file a formal complaint regarding an inaccurate and unfounded negative remark reported by XXXX XXXX XXXXXXXX on my credit report. 

Despite multiple efforts to resolve the issue directly with XXXX XXXX XXXXXXXX, I have been unable to make progress. I have called numerous times and even visited one of their physical branches at their suggestion. I provided all requested identifying information, including my full name, Social Security number, date of birth, and the complete account number. However, XXXX XXXX XXXX has informed me that they are unable to locate my account in their system, which according to the credit reporting agencies was closed by the bank in XX/XX/XXXX. 

I have attempted to escalate the situation to someone who may be able to retrieve my information, which is presumably archived, but no one is able to assist when I call XXXX XXXX, the number that appears on the credit report. I have explained that I have evidence of the accounts existence and activity, including the last email I received of the online statement notification dated XX/XX/XXXX- this email included the balance at the time and last 4 digits of the account number. I Also have a printout from XXXX XXXX XXXXXXXX 's online system showing that the account had been paid in full as of XX/XX/XXXX. 

I have requested to be connected with a department or provided an email address where I can submit these materials and formally explain my situation, but no one has been able to assist me. XXXX XXXX XXXXXXXX has effectively left me with no pathway to resolve this internally. 

The negative reporting is directly affecting my credit score, and most urgently, it has caused the mortgage company to quote me an interest rate three points higher than I would otherwise receive if this inaccurate remark were not reflected on my credit report. I have requested that the remark be removed, as it is materially impacting the terms of a {$1.00} XXXX home loan I am in the process of finalizing. This inaccurate reporting is causing serious financial harm. 

I respectfully request that the CFPB investigate this matter and assist in having this error removed from my credit report immediately. I am prepared to provide all supporting documentation, including screenshots and statements, upon request. 

Thank you for your assistance in resolving this matter.

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 2025-04-03 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: TX

Complaint narrative:
I am writing to file a formal complaint regarding an inaccurate and unfounded negative remark reported by XXXX XXXX  XXXX on my credit report. 

Despite multiple efforts to resolve the issue directly with XXXX XXXXXXXX XXXX, I have been unable to make progress. I have called numerous times and even visited XXXX of their physical branches at their suggestion. I provided all requested identifying information, including my full name, Social Security number, date of birth, and the complete account number. However, XXXX XXXX XXXXXXXX has informed me that they are unable to locate my account in their system, which according to the credit reporting agencies was closed by the bank in XX/XX/XXXX. 

I have attempted to escalate the situation to someone who XXXX be able to retrieve my information, which is presumably archived, but no one is able to assist when I call XXXX XXXX, the number that appears on the credit report. I have explained that I have evidence of the accounts existence and activity, including the last email I received of the online statement notification dated XX/XX/XXXX- this email included the balance at the time and last XXXX digits of the account number. I Also have a printout from XXXX XXXX XXXX 's online system showing that the account had been paid in full as of XX/XX/XXXX. 

I have requested to be connected with a department or provided an email address where I can submit these materials and formally explain my situation, but no one has been able to assist me. XXXX XXXX  XXXX has effectively left me with no pathway to resolve this internally. 

The negative reporting is directly affecting my credit score, and most urgently, it has caused the mortgage company to quote me an interest rate XXXX points higher than I would otherwise receive if this inaccurate remark were not reflected on my credit report. I have requested that the remark be removed, as it is materially impacting the terms of a {$1.00} XXXX home loan I am in the process of finalizing. This inaccurate reporting is causing serious financial harm. 

I respectfully request that the CFPB investigate this matter and assist in having this error removed from my credit report immediately. I am prepared to provide all supporting documentation, including screenshots and statements, upon request. 

Thank you for your assistance in resolving this matter.

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 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to file a formal complaint regarding an inaccurate and unfounded negative remark reported by XXXX XXXX  XXXX on my credit report. 

Despite multiple efforts to resolve the issue directly with XXXX XXXX XXXX, I have been unable to make progress. I have called numerous times and even visited XXXX of their physical branches at their suggestion. I provided all requested identifying information, including my full name, Social Security number, date of birth, and the complete account number. However, XXXX XXXX XXXXXXXX has informed me that they are unable to locate my account in their system, which according to the credit reporting agencies was closed by the bank in XX/XX/XXXX. 

I have attempted to escalate the situation to someone who XXXX be able to retrieve my information, which is presumably archived, but no one is able to assist when I call XXXX XXXX, the number that appears on the credit report. I have explained that I have evidence of the accounts existence and activity, including the last email I received of the online statement notification dated XX/XX/XXXX- this email included the balance at the time and last XXXX digits of the account number. I Also have a printout from XXXX XXXX XXXX 's online system showing that the account had been paid in full as of XX/XX/XXXX. 

I have requested to be connected with a department or provided an email address where I can submit these materials and formally explain my situation, but no one has been able to assist me. XXXX XXXX XXXXXXXX has effectively left me with no pathway to resolve this internally. 

The negative reporting is directly affecting my credit score, and most urgently, it has caused the mortgage company to quote me an interest rate XXXX points higher than I would otherwise receive if this inaccurate remark were not reflected on my credit report. I have requested that the remark be removed, as it is materially impacting the terms of a {$1.00} XXXX home loan I am in the process of finalizing. This inaccurate reporting is causing serious financial harm. 

I respectfully request that the CFPB investigate this matter and assist in having this error removed from my credit report immediately. I am prepared to provide all supporting documentation, including screenshots and statements, upon request. 

Thank you for your assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Equifax FCRA Violations Failure to Correct Credit Report. 

I am filing this complaint against Equifax for violating the Fair Credit Reporting Act ( FCRA ) by failing to correct inaccurate, incomplete, and unverifiable information on my credit report. Despite multiple disputes, Equifax has continued to report inaccurate collection accounts from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) I have never received verification that these debts are valid, and Equifax has failed to conduct a proper reinvestigation within the XXXX legal period required under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

Equifax has violated the Fair Credit Reporting Act ( FCRA ) by failing to remove inaccurate and unverifiable items from my credit report. Despite multiple disputes, they have not corrected the errors, which has caused me financial harm.

FCRA Violations Include : 15 U.S.C. 1681i Failure to investigate and remove inaccurate data within 30 days.

15 U.S.C. 1681e ( b ) Failure to ensure the maximum possible accuracy of my report.

15 U.S.C. 1681s-2 ( b ) Continuing to report false information after being notified. FCRA 611 ( 15 U.S.C. 1681i ) Failure to properly investigate and remove disputed accounts within 30 days.

FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Failure to ensure the maximum possible accuracy of my credit report.

FCRA 623 ( 15 U.S.C. 1681s-2 ) Continuing to report false information after being notified of inaccuracies.

FCRA 616 ( 15 U.S.C. 1681n ) Willful noncompliance with the FCRA, making Equifax liable for damages. Under FCRA 1681n, I am entitled to statutory damages of up to {$1000.00} per violation, plus actual damages, punitive damages, and attorneys fees. Due to Equifaxs violations, I have suffered : Credit denials ( loans, housing, and financial opportunities ) Increased interest rates on loans and credit cards Emotional distress and financial hardship I am demanding : The immediate removal of these inaccurate accounts. 
Compensation for financial harm under 15 U.S.C. 1681n & 1681o ( at least {$3000.00} for multiple violations ).

An official investigation into Equifaxs failure to comply with federal law. 
If this matter is not resolved, I will pursue legal action in federal court.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CASHCALL, INC.
State: DE

Complaint narrative:
On XX/XX/XXXX a man contacted me stating he was an attorney assigned as a middle man between me & a company I owe money to, Cash Call ( now owned by XXXX. ) He stated they were prepared to serve me unless I paid them. I paid {$200.00} and created a payment plan. That same day I texted him per his preferred method of communication, asking for an emailed copy of the payment plan on his companys letterhead. I had to request this 3 times before I finally got an email from XXXX that looked like a manually typed email. My last XXXX of XXXX was incorrect and so was the state I reside in. I went on to text them on XXXX asking for the documents before I make another payment so my lawyer and I could verify it. They never responded or sent me another email. Today, XX/XX/XXXX, he sends me a text saying my payment has declined XXXX weeks in a row to to contact them immediately. It has been more than XXXX weeks. I then stated the same thing I had been asking for in which they replied they supposedly sent the documents to me several times no they have not. They again threatened to serve me and I stated I would report them. I tried calling to discuss this and of course no one answers. 
The name they use is The XXXX XXXX XXXX using a fake address of XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and the phone number he is contacting me from is ( XXXX ) XXXX. I was scammed like this back in XXXX whose company of course no longer exists. 
The payment processor used is XXXX XXXX XXXX which has been involved in many scams per the research Ive done.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: FL

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2025-04-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: CA

Complaint narrative:
I sent a transaction to a bank in XXXX on Wise on XXXX XX/XX/XXXX using my Wise app as I had successfully done on XXXX XXXX, though in my app I modified the amount to {$700.00} since the initial amount was {$120.00}. After days, the money had not arrived. I spoke with Wise XXXX and was told the next step was to contact the bank with transaction details. My family members did, which is how they learned that the money was sent to the wrong account. This had occurred once before to the same bank and account number, but I alerted Wise per their procedure, and was told by Wise Support that unless the bank or actual recipient transfer the funds, Wise was not able to help since I am responsible for using the correct account number. That is different from this time, since I used as my template the last successful transfer. Also, Wise was already aware that the other account number was not accurate for the listed recipient, yet they continued to proceed with this transaction. I have reported this to Wise Support both in email on XXXX XXXX, then responded to their reply on XXXX XXXX, and lastly emailed them today, XXXX XXXX, that their conclusion did not address their responsibility for this error. 
I also spoke with Wise XXXX on XXXX XXXX at XXXX XXXX  where their agent agreed with me that Wise had responsibility for using the same account number that had been correctly used last time. I requested to speak to a supervisor, and she replied after an extensive delay that a supervisor was not available but would call me within a day or XXXX, which has not happened. 
In the Wise email, they state that the responsibility is all mine because I am responsible for verifying the account information, and since I had XXXX account numbers in my account for the intended recipient, it went to the wrong account. While that is true, as I said in my previous email, I initiated this transaction using the successful transaction to the intended recipient on XXXX XXXX for {$120.00} which she did receive. In addition, Wise knew that the other account number was incorrect after I sent {$120.00} to it on XXXX XX/XX/XXXX, which I reported as not being received. Wise Support confirmed that it went to the wrong account number, and I was told that my recourse was to request of the bank to refund the money, which neither they nor the unintended recipient would do. 
I appeal to the Consumer Financial Protection Bureau. As mediator and watchdog between financial institutions and consumers, CFPB acknowledges that financial institutions have the responsibility to verify account numbers as a primary responsibility. In this case at issue, Wise failed to do this responsibility on XXXX counts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
I received an alert from my credit report saying a collection had been added to my report. I had no notice of this occurrence, nothing received from company that i owed a debt or if I could dispute this issue or i would have. I will not be paying this debt as i do not owe this. I was told I owed {$2000.00} for ref # XXXX. I want all proof of this debt is owed by me within 30 days with signatures, dates time stamped if anything was mailed, licenses to collect a debt within the state of XXXX, all items will be according to the fair credit reporting act. I expect for this to happen immediately or i will turn this over to my attorney and it better not wind up being sold to another company. This will need to removed from all XXXX credit bureaus immediately. I know this company has a bad reputation of collecting false claims especially from XXXX. Once again you must provide the needed items i stated within 30 days of this complaint or it will be turned over to legal action immediately. Thank you for your cooperation and look forward to hearing from you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: GA

Complaint narrative:
I am a victim of identity theft, and acounts were opened fraudulently without my authorization and or knowing.. Ive disputed its validity and requested for immediate removal from my credit report. Please investigate and take the necessary action to correct this error.

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