vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-28 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:
XXXX XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block 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. This fraudulent, inaccurate, and false information consists of : 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 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  Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXXXXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: GA

Complaint narrative:
In XXXX, I began an application with XXXX XXXX XXXX XXXXXXXX in XXXX, Alabama, while residing out of state. At the time, I was unemployed with no established credit history. I was advised by the leasing office that I would require a guarantor in order to qualify. It was clearly understood that my family member would serve as my guarantor, and that no lease should proceed without their completed approval. 

Despite my guarantor never completing their application, XXXX XXXX XXXX XXXX improperly proceeded to assign me a unit and roommate without securing the required guarantor, and without obtaining my physical possession of the unit or formal acceptance. I never received keys, never moved into any unit, and the application was later marked cancelled in the resident portal. 

Nevertheless, the property referred a balance to a third-party debt collector, despite the absence of a valid completed lease or occupancy. Their mishandling of my application, especially given my vulnerable financial position, has caused significant harm including damage to my credit and difficulty securing housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
There is an account on my credit report that I did not open. This was an unauthorized and fraudulent use of my identity, and I need this handled immediately. Let me be absolutely clear : I did not apply for or approve this account in any way, and I am not responsible for any activity associated with it. This is identity fraud plain and simple.

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 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
XX/XX/year> VIA CERTIFIED Fax MAIL & EMAIL Re : Wells Fargos Material Breach of CFPB Settlement Terms & Obstruction of Regulatory Authority ( CFPB Case # XXXX ) To the Consumer Financial Protection Bureau XXXX CFPB ) : I write to formally document Wells Fargo Bank , N.A.s ongoing and willful violations of its settlement agreement with the CFPB, as well as its deliberate efforts to undermine the Bureaus enforcement authority. The referenced settlement, which resolved allegations of systemic consumer financial abuses across multiple business lines, was predicated on Wells Fargos express commitments to restitution, compliance, and transparency. 

Material Breach of Settlement Terms Despite its binding obligations, Wells Fargo has engaged in a pattern of noncompliance, including but not limited to : - Failure to provide full restitution to affected consumers as mandated ; - Purported reliance on third-party intermediaries to obscure accountability ; - Systematic purging or alteration of records relevant to CFPB oversight.

These actions constitute a material breach of the settlements terms under principles of contract law and administrative enforcement. Moreover, Wells Fargos conduct demonstrates bad faith and contempt for the CFPBs statutory and regulatory authority under the XXXX XXXX. 

Demand for Immediate Remedial Action Pursuant to the CFPBs enforcement powers under 12 U.S.C. 5565, I demand the following actions : 1. Full Restitution : Immediate disbursement of the original {$5000.00} per-violation restitution owed to aggrieved consumers, with interest and adjusted for inflation where applicable.

2. Civil Penalties : Imposition of additional penalties of no less than {$5000.00} per violation for Wells Fargos obstruction and failure to comply with the settlements terms.

3. Investigative Action : A formal investigation into Wells Fargos record retention practices, including subpoenas for internal communications regarding document preservation policies.

Legal and Policy Implications The CFPBs authority hinges on its ability to enforce consent orders without dilution or delay. Wells Fargos defiance not only harms consumers but erodes public confidence in financial regulation. Failure to act decisively would set a dangerous precedent, inviting further noncompliance from regulated entities.

Conclusion This matter requires expeditious resolution. I urge the CFPB to exercise its full statutory and equitable powers to compel Wells Fargos compliance and to demonstrate that violations of consumer protection law will not be tolerated. 

Respectfully submitted, cc ( via Fax mail & email ) : XXXX Representative XXXX XXXX XXXX XXXX Fax : 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 2025-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

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 2025-04-28 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: CBC Companies, Inc.
State: IL

Complaint narrative:
On XX/XX/year>, I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting an accounts for XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX # XXXXXXXX XXXX XXXX XXXXXXXX # XXXX, XXXX XXXX XXXX # XXXX and XXXX XXXX # XXXX. This has cause me great XXXX XXXX and financial hardship.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: LA

Complaint narrative:
Consumer Name XXXX XXXX XXXX, Consumer Social Security Number XXXX, Consumer Date of Birth XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block 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. This fraudulent, inaccurate, and false information consists of a credit card account opened at XXXX XXXX XXXXn XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXXn XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
I currently have a negative balance of XXXX $ on my credit card account that is closed. 

Capital One is denying me the refund of the negative balance in form of check to my registered address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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 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 2025-04-28 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:
XXXX account with a credit limit of XXXX XXXXXXXX XXXX XXXX XXXX bank closed account 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 2025-04-28 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: IL

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

Account Name : XXXX XXXX Account Number : XXXX In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D. Please provide the names and business addresses of each individual with whom you verified the above information so that I may follow up. Please send an updated copy of my credit report after your re-investigation.

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 2025-04-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Management Holdings, LLC
State: CT

Complaint narrative:
I woke up today, XX/XX/XXXX, to an alert on my credit report regarding a collection account. Mind you, I have never had a collection account nor owed to one. The account is stated as opening XX/XX/year> and I havent even been to the hospital all year long. The amount was listed as {$1100.00} and after contacting the company, I was rerouted 4 times and got to speak to someone who was international who was giving me push back and arguing with me. They said this debt was not paid for, however, after contacting the hospital they mentioned XXXX XXXX in XXXX, CT they informed me that there is ZERO debt owed and me nor my father have an account deeming this collection account as fraud. As a result of this, my credit score took a significant hit and im young so credit means a lot to me. Below, I will provide information on the company that is practicing horrible business practices and has over 163 reviews on XXXX with similar experiences. 

Company Name : Credit Management Company XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, PA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
My credit report contains incorrect address information that needs to be removed. I have attached supporting documents to verify my request, and I urge you to update my records accordingly. Please prioritize this matter and remove these inaccurate addresses as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
Over the course of several months, I made numerous attempts to contact XXXX XXXX XXXX regarding my account. I emailed them multiple times and called their office at different times during their listed business hours. Each time, I either received no answer or was directed to voicemail, where I left numerous detailed messages requesting a response. Despite these efforts, I did not receive any reply for almost two months. Ultimately, I was served with court papers, even though I had been actively trying to communicate and resolve the matter. I later discovered through online reviews that many others have experienced similar issues with this firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I applied for a Chase Freedom XXXX Credit Card on XX/XX/2025 and was denied shortly after due to FALSE CREDIT REPORTING in which I have been disputing for two years, some issues were resolved and others I am still working on to get them to fix due to their failure of verification of ANY delinquencies. 

I HAVE ALWAYS paid on time for everything, I was terminated and laid off from jobs due to no fault of my own along with health issues and family drama as well as being temporarily homeless. I have gotten back on my feet and have a solid foundation of financial stability. I have been in both banking and collections in the legal profession with working knowledge of this subject. WITHOUT ANY PROOF OF DELINQUENCIES THEY ARE REQUIRED TO APPROVE ME!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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, 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 2025-04-28 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: IN

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 2025-04-28 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: CA

Complaint narrative:
Entries for late payments appear on my report that I believe to be inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, my report is required to contain only information that is accurate, complete, and verifiable. I am requesting that these late payment entries be verified, and if they can not be confirmed, that they be corrected or 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 non-monetary relief
Consumer complaint received 2025-04-28 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 am writing to formally notify you that I have been the victim of identity theft, and it appears that an account recorded on my credit report without my knowledge or authorization has been fraudulently opened. I discovered this issue 4 months ago on my credit report from Experian. I did not apply for this account, nor did I authorize anyone to use my personal information in this manner. I request that you delete this fraudulent accounts associated with my name and Social Security number. Also, I did some further research and contacted this business and to find out this is a collection agency. I never opened or did business with this colletion agency or the company they bought this debt from. This company sent me a letter also telling me they would be reaching out to the company they got this debt from and get back to me. I never received anything back about this fraudulent debt from this collection agency. I have attached a letter they sent me as well. 
To support my claim, I have enclosed the following documents : A copy of the Identity Theft Report I filed with the Federal Trade Commission ( FTC ). Please investigate this matter and provide written confirmation of the outcome.

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 2025-04-28 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: FL

Complaint narrative:
I'm requesting immediate action regarding an account that appears on my credit report. I need written confirmation that every single piece of information associated with this account can be fully certified as accurate and belonging to me.

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