vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-18 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: CA

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 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 2025-04-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: TransferWise Ltd
State: MN

Complaint narrative:
I am filing this complaint due to ongoing and unresolved issues with my Wise account that have persisted for over a month. Wise has asked me to verify my source of income, which I have done multiple times through all the documentation they requested. I provided : Valid pay stubs showing consistent salary Personal bank statements reflecting salary deposits A signed business service agreement Business bank statements under my U.S.-registered LLC Proof of ownership of the LLC Wire transfer confirmations from my business account to my Wise account Despite submitting all of these documents, my account remains restricted I am unable to use Wises services or withdraw my funds. 

Additionally, Wise requested that I explain the purpose of XXXX separate transactions. I clearly explained these transactions through XXXX separate communications, including emails and phone calls. XXXX recipient is a cousin to whom I pay rent for the house where my mother lives. The other is a family friend who assists my parents and younger brother, for which I reimburse him. I have relayed this information repeatedly, yet Wise continues to delay the review process. 

Every time I contact customer support, Im told to wait another XXXX business days, and the next representative simply restarts the cycle. No one appears to escalate the matter or provide concrete updates. As of now, my funds are held without resolution, and I believe Wise is failing to handle this matter with reasonable care or transparency. 

I am requesting CFPBs assistance to compel Wise to either release my funds or provide a clear and justified resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: MA

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a XXXX of the XXXX data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA XXXX XXXX ( XXXX XXXX XXXX ). Please remove all fraudulent information from my credit report promptly.

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 2025-04-18 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: IA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-18 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: IA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-18 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:
RE : Cease and Desist Unlawful Reporting of Child Support Enforcement Account # XXXX To Whom It May Concern, This letter is a formal demand pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), requiring Experian to immediately cease the reporting and reinsertion of the following account : Creditor Name : Child Support Enforcement Account Number : XXXX This account is not a commercial debt and does not meet the legal definition of a debt under the FDCPA. Child support obligations are enforced through state and federal agencies and are not subject to reporting by private consumer reporting agencies unless proper legal procedures and verification have been satisfied under federal law. 

Furthermore, any continued reporting or re-reporting of this account, especially if it was previously removed or disputed, without providing the required notice under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), constitutes a direct violation of my rights. You are required to : Immediately delete this account from my credit report ; Cease and desist from any future reinsertion or reporting of this account without full verification and proper legal authorization ; Provide written confirmation within 10 business days that this account has been permanently removed and will not be reinserted.

If Experian continues to report this account or fails to correct this violation, I will pursue all available remedies under the FCRA, including statutory damages, actual damages, and attorneys fees, as permitted under 15 U.S.C. 1681n and 1681o.

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 2025-04-18 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: ND

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 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 2025-04-18 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: RI

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a XXXX 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 :

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 2025-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: FL

Complaint narrative:
The was money taken from my account and my account was also closed I made several dispute and did not get any help my card was being charged over and over withdrawals were made and all of it was unauthorized my account was taken password and cash take was taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: FL

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-04-18 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
On XX/XX/year>, I submitted a written dispute directly to Jefferson Capital Systems, a third-party debt collector, regarding a debt they claim I owe. I strongly believe this debt is not mine. In accordance with the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), they were required to investigate and respond within 30 days. I received no response. 

I sent a second written dispute on XX/XX/year>, to which I received a response dated XX/XX/year>, indicating that the debt would be removed. However, this letter was incorrectly addressed to my brother, XXXX XXXX, who was the primary on the original accountnot me. To date, no direct communication has been sent to me, and the disputed debt still appears on all three of my credit reports. 

This situation involves multiple violations, including but not limited to : FDCPA ( failure to validate debt and incorrect communication ) FCRA ( failure to correct or remove inaccurate reporting ) Texas Finance Code violations Deceptive Trade Practices under Texas law Despite their acknowledgment of error, Jefferson Capital Systems has failed to remove the debt from my credit reports or properly notify me, the alleged consumer.

I am formally requesting the immediate removal of this debt from all three credit reporting agencies and an investigation into Jefferson Capital Systems for failure to follow federal and state consumer protection laws. 

Attachments Included : Copies of both dispute letters sent Response from Jefferson Capital Systems Credit report excerpts showing continued reporting of the disputed debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: TD BANK US HOLDING COMPANY
State: MO

Complaint narrative:
I recently discovered that a Nordstrom credit card account ending in XXXX is reporting on my XXXX credit report. I did not open this account, nor did I authorize anyone to open or add me to it. I have never used this account or benefited from it in any way. 

According to a recent response provided to my ex-wife, XXXX XXXX, regarding CFPB XXXX XXXX. XXXX, Nordstrom stated that I was added as an authorized user on this account on XX/XX/year>. I did not give permission for this, nor was I aware of it. This was done without my knowledge or consent and constitutes identity theft. 

This account is damaging my credit and was opened and managed without any involvement on my part. I am requesting that Nordstrom and TD Bank USA be required to remove this account from my credit report immediately and block any future reporting under my name. I also request documentation of how and when I was allegedly added, and with what proof of authorizationbecause I did not authorize it. 

Please investigate this matter urgently. I have never had any relationship with Nordstrom Card Services and did not authorize anyone to add me to this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: FL

Complaint narrative:
To Whom It May Concern, This letter serves as my second formal request regarding the removal of an outdated student loan account reported under AES/ESA, originally opened on XX/XX/XXXX. I initially submitted a dispute on XX/XX/XXXX, yet this account continues to appear on my credit report in clear violation of the Fair Credit Reporting Act ( FCRA ). 

I want to make it explicitly clear that I do not use credit, nor do I have any open credit cards or revolving accounts. This is the only account currently reported, and its inaccurate presence has severely and unfairly impacted my credit profile. 

Because of your continued reporting of this account despite its age and my initial dispute I have suffered financial setbacks, including denials for housing and other opportunities, and have experienced emotional stress related to these barriers. 

As this account is well over the XXXX federal reporting limit, your continued reporting is not only unjustified, it is harmful and unlawful. Therefore, if this matter is not resolved within 15 days of receipt, I will initiate a formal arbitration process and seek compensation for the financial and personal damages I have incurred due to your negligence and failure to adhere to federal consumer protection laws.

I am demanding : 1. Immediate deletion of this account from all credit reporting agencies.

2. Written confirmation that no further reporting or collection attempts will be made. 
XXXX. A formal response acknowledging your responsibility and failure to comply with FCRA guidelines. 

This is your final opportunity to correct this matter before arbitration and further legal actions are pursued. I expect a response and resolution within XXXX calendar days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: IL

Complaint narrative:
The violations of ACTUAL reporting are endless I do this for a living I know and will sue if needed. BUT after removal of the account please email me and send my request below so we can resolve this matter .. if it's found my payment bounced or didn't go through not to my knowledge I will pay to properly close the account. To make it simple email me or send a pay to delete letter to resolve this as a lump sum payment XXXX account if its not found i paid the last balance. The last I got form you guys was in XXXX and I was told anything I paid over would cover my existing cost and I even got my deposit back from you guys it makes 0 since that over 4 months later you randomly attack my credit! As you see I can't even log into my account to check a thing so it was my understanding it was paid out and closed. 

You are in violation of : ACCOUNT HAS 0 RIGHT TO REFLECT TRANSACTIONS : 15 USC 1681 SECTION 602 ; section 1637 ( b ) of this title is mailed or delivered to the consumer no later than 21 days before the payment due date. ( you gave no warning of adverse actions nor no payment ask within 30days of reporting as seen on screenshots ; I gave my new address same as on this complaint and you have my # and email and never mentioned payment still due nor informed me of possibility of reporting. LASTLY, under my straw man debt is owed only when a PROMISSORY NOTE is present " I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exsist '' DOCTRINE XXXX ( MO ) 281 SW 715./13 I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS PURSUANT TO 18 USC 8, I OWE NO DEBT. COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681-B2 COMPANY HAS NO PERMISSION PROORT Y IFORMAAIPMPER 15 USC 160468 ...

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 2025-04-18 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:
The violations of ACTUAL reporting are endless I do this for a living I know and will sue if needed. BUT after removal of the account please email me and send my request below so we can resolve this matter .. if it's found my payment bounced or didn't go through not to my knowledge I will pay to properly close the account. To make it simple email me or send a pay to delete letter to resolve this as a lump sum payment XXXX account if its not found i paid the last balance. The last I got form you guys was in XXXX and I was told anything I paid over would cover my existing cost and I even got my deposit back from you guys it makes 0 since that over 4 months later you randomly attack my credit! As you see I can't even log into my account to check a thing so it was my understanding it was paid out and closed.

You are in violation of : ACCOUNT HAS 0 RIGHT TO REFLECT TRANSACTIONS : 15 USC 1681 SECTION 602 ; section 1637 ( b ) of this title is mailed or delivered to the consumer no later than 21 days before the payment due date. ( you gave no warning of adverse actions nor no payment ask within 30days of reporting as seen on screenshots ; I gave my new address same as on this complaint and you have my # and email and never mentioned payment still due nor informed me of possibility of reporting. LASTLY, under my straw man debt is owed only when a PROMISSORY NOTE is present " I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exsist '' XXXX XXXX ( MO ) 281 SW 715./13 I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS PURSUANT TO 18 USC 8, I OWE NO DEBT. COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681-B2 COMPANY HAS NO PERMISSION PROORT Y IFORMAAIPMPER 15 USC 160468 ...

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 2025-04-18 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ) I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC for myself XXXX XXXX last four Social Security number is XXXX, XXXX XX/XX/year>. Please delete the following accounts. 







DEPTEDXXXX Account Number : XXXX DEPTEDXXXX Account Number : XXXX XXXX   Account Number : 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 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/year>, I had a XXXX phone call with a Capital One representative on a recorded line. During the call, he explicitly assured memultiple times and after speaking with a supervisorthat any negative remarks on my account would be removed or changed from closed by credit grantor once the account was paid in full. He explained he could not email this confirmation but would send a letter to provide proof of the conversation and reassurance. 

Trusting this assurance, I paid off the account in full. 

On XX/XX/XXXX, I called Capital One again and spoke with a XXXX on a XXXX call. I requested that they review the previous recording. The XXXX said they would escalate the issue to a floor supervisor or equivalent team for review. 

Shortly after, I received a callback from Capital One and was transferred among multiple representatives. They claimed the original rep never made such promises. When I asked for a copy of the recorded call to confirm this, I was told it was proprietary and could not be shared, even though it was used to deny my request. No resolution was offered. 

I have now paid the account in full and am simply asking Capital One to honor the promise made by their representative on a recorded call. Their failure to provide the agreed-upon written confirmation after acknowledging it on the calland their refusal to release or review the recording transparentlyfeels deceptive and unethical.

Company response to consumer: Closed with explanation