vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-11 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: NV

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 2025-04-11 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, 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 explanation
Consumer complaint received 2025-04-11 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: NJ

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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: FL

Complaint narrative:
Immediate removal of fraudulent/inaccurate information from my report pursuant to the Fair Credit Reporting Act ( FCRA ) Section XXXX, XXXX XXXXXXXX XXXX XXXXXXXX. you are legally obligated to block fraudulent information from my report within XXXX  days.

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 2025-04-11 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: FL

Complaint narrative:
Immediate removal of fraudulent/inaccurate information from my report pursuant to the Fair Credit Reporting Act ( FCRA ) Section XXXX, XXXX XXXXXXXX XXXX XXXXXXXX. you are legally obligated to block fraudulent information from my report within XXXX  days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-04-11 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-04-11 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-04-11 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: MA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: MO

Complaint narrative:
I hired a lawyer to deal with my credit file when I noticed I was a victim of Identity Theft. 

They were unsuccessful at their efforts to represent my interests with the bureaus. I was sued by XXXX, which I defended in court and proved I was not the person responsible for the account, the suit was dismissed. 

I once again tried to correct my credit report, this time on my own. I used a third party agency, because XXXX could not obtain all my reports. I then used XXXX XXXX to draft my dispute letters from the information contained in my credit report.

I sent the disputes to each of the 3 Bureaus, Equifax, Experian, and TransUnion. Each of them responded with a similar styled letter, we can not confirm this dispute is from you and we are therefore taking no action. I find this to be a violation of my rights and of the laws under the Fair Credit Reporting Act. 

I have been victimized by the person who stole my identity and by these bureaus who refuse to perform their duties as required by law.

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 2025-04-11 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: NJ

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: NJ

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-04-11 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: TX

Complaint narrative:
I am submitting this complaint regarding one account reported by XXXX XXXX XXXX to Experian and Equifax. I previously disputed this account with both credit bureaus and requested an investigation and deletion if unverifiable, in line with FCRA 1681i and Metro 2 reporting standards.

Account details disputed : Date opened : XX/XX/XXXX Reported balance : Experian : {$660.00} Equifax : {$610.00} High balance : {$1000.00} Status : Experian : Closed Collection or charge-off Equifax : Open 90 days late Date of last activity : Experian : XX/XX/XXXX Equifax : XX/XX/XXXX Last reported : Experian : XX/XX/XXXX Equifax : XX/XX/XXXX Payment info : No payments listed, no payment validation provided Dispute reason : The balance, account status, and last activity dates differ between Experian and Equifax, which reflects inconsistent and inaccurate reporting.

Experian reports this account as charged-off and closed, while Equifax shows it as open and 90 days late. These designations can not both be correct.

I have not received any documentation proving that I owe the reported amounts.

There has been no verification provided to support the derogatory labels placed on this account.

The information reported lacks transparency and supporting documentation, as required by law. 

I disputed this account with both bureaus and requested that XXXX XXXX XXXX validate the data. To date, no supporting evidence has been produced. 

This account is negatively impacting my credit profile and may be misleading to potential lenders.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo... 

Notification XX/XX/XXXX, that accounts would be closed. Final decision issued XX/XX/XXXX ; account closure effective XX/XX/XXXX. 

Myself a retired person aged XXXX, I manage finance for my XXXX XXXX XXXX stepmom, who has XXXX and since late XXXX, XXXX resides in a XXXX XXXX XXXX I DO have power of Attorney for my XXXX, and I AM listed as an owner on these Wells Fargo accounts. 

I have been handling these duties for over a year now, since XXXX, XXXX. Since XXXX, XXXX I have been underwriting her expenses at the XXXX XXXX XXXX. Each month I have been supplementing her XXXX and small investment payments with transfers from my own account into the co-owned WF accounts. I then pay my stepmom 's obligations, and sometimes take back what is left at the end of month, before the cycle re-starts. These funds are coming from my own life savings. 

On XX/XX/XXXX, a deposit transfer was blocked. I called the bank that day and they would not tell me why. Later that day my stepmom and I each received emails that the accounts were to be closed. When I called the number on the email, I was told that the number of bank-to-bank transfers was deemed excessive, and posed a " risk to the bank ''. The representative I spoke to stated that she would request the account remain open, but could not make the decision. 

Today, XX/XX/XXXX, I inquired and was informed that the accounts will indeed be closed. When I inquired about whether my stepmom 's XXXX payment would be blocked on or about the XXXX, they said that " it should go in before they close the account ''. When I asked about the approximately {$9900.00} that is currently on deposit, they responded that those funds would be frozen until the accounts are closed. 

So, Wells Fargo is arbitrarily closing the shared accounts of XXXX senior citizens, causing unnecessary difficulty ( changing direct deposit accounts with investment firms and XXXX ), and furthermore illegitimately withholding funds that do not belong to them. 

I am making arrangements for a new bank, but this takes time.

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 2025-04-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
US Bank is lying. They foreclosed on my house, despite the fact that they admitted that I was not on their loan and would not communicate with me since XXXX  ( see court authorization by XXXX judge XXXX XXXX, already submitted to the CFPB ). 
Please see the attached letter and refer to very other complaint that I have filed with important data showing clearly that there was fraud. The CFPB has many complaints about this. 
XXXX is the entity that US Bank is hiding behind. XXXX  XXXX XXXX involved, XXXX XXXX worked with US Bank and with attorney XXXX XXXX to auction the house to benefit themselves financially. 
This should addressed by the government to avoid other US citizens becoming victims of these parties,

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 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX was previously investigated and removed by Equifax between XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX. Under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), once an account is deleted as a result of an investigation, the deletion is permanent. The law does not allow the reappearance of the same tradeline especially with the same inaccurate information that caused its removal. 

Despite this, between XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Equifax reinserted XXXX XXXX XXXX onto my credit file with the exact same violations, including falsely reporting it as an open charge-off, which is categorically false and misleading. A charge-off is, by definition, a closed account, and reporting it as open is legally and factually incorrect. 

No written notice was provided to me within 5 business days, as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii ). This reappearance is not only unauthorized under federal law it also represents an intentional act designed to delay or obstruct the results of a completed investigation. The reinsertion of this tradeline immediately following its lawful removal is a retaliatory tactic and a form of procedural abuse. This delay tactic has no legal basis and constitutes a separate and additional violation of my rights as a consumer. 

This is not an administrative error. This is a deliberate and unlawful act that violates multiple provisions of the FCRA and shows willful noncompliance by Equifax. In XXXXXXXX XXXX. Equifax, XXXX XXXX XXXX, the court held that the reappearance of a previously deleted tradeline without full legal compliance is unlawful. Equifax has already been sanctioned in court for similar conduct. 

I am demanding the immediate and permanent deletion of XXXX XXXX XXXX from my credit report and a formal regulatory investigation into Equifax for using unauthorized reinsertion to obstruct and delay a lawfully completed investigation. I also demand the production of all records related to this action and that this violation be reviewed for potential civil penalties, injunctive relief, and punitive damages under 15 U.S.C. 1681n. 

This is my second CFPB complaint regarding this same account. Equifaxs actions are intentional, unlawful, and unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: MS

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation