vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 2025-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I upgraded from a free trial to a paid plan for one month with XXXX, but I was not made aware that exceeding usage would result in {$830.00} in additional charges. The cost per envelope ( {$7.00} each ) and the usage limits were not clearly disclosed. I also did not intend to renew the {$68.00} subscription charge. 

I canceled the account immediately after noticing the charge and contacted both XXXX and Wells Fargo ( my card issuer ). XXXX refused to issue a refund and made it extremely difficult to file a complaint they would not accept my email to their billing department, and I had to watch a tutorial video just to learn how to submit a dispute through their site. 

I am requesting a full refund of {$900.00} and a review of XXXX XXXX dispute handling. I have been a customer of Wells Fargo for over two years, and this is my first-ever dispute. I have not received any response from them since filing it two days ago. Im now concerned that I may not be adequately protected under their dispute process. 

This is a clear example of misleading billing and a lack of consumer protections. I appreciate your help 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 2025-05-13 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: Diversified Adjustment Service, Inc.
State: TX

Complaint narrative:
I recently reviewed a copy of my credit report, and I noticed I had a fraudulent account on my report. Please remove these accounts from my report, it's hurting my ability to obtain credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: WI

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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Upon reviewing my credit report i noticed XXXX accounts i have no knowledge of and did not authorize. I've filled an identity theft report and a dispute. However these accounts are on my credit report. XXXX. XXXX XXXX Account # - XXXX Date Opened : XXXX XXXX. XXXX. XXXX XXXX XXXX XXXX Account # - XXXX Date Opened : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: TX

Complaint narrative:
Upon reviewing my credit report i noticed XXXX accounts i have no knowledge of and did not authorize. I've filled an identity theft report and a dispute. However these accounts are on my credit report. XXXX. XXXX XXXX Account # - XXXX Date Opened : XXXX XXXX. XXXX. XXXX XXXX XXXX XXXX Account # - XXXX Date Opened : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: CT

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 2025-05-13 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: CT

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 non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This letter serves as a formal demand under the Fair Credit Reporting Act ( FCRA ) to remove the XXXX account from my credit report within XXXX business days. 

The account in question was charged off on XX/XX/XXXX, and XXXX subsequently issued a Form XXXX on XX/XX/XXXX for the XXXX tax year. This is clear legal evidence that the debt was canceled. 

Reporting a balance of {$970.00} after a 1099-C has been filed is unlawful, misleading, and constitutes a willful violation of the FCRA under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). Continuing to report an amount owed on a canceled debt is inaccurate and deceptive and exposes your bureau to liability for maintaining false information. 

You are hereby notified that you must : Delete the XXXX account in its entirety, within XXXX business days of receipt of this notice. 

No correction, notation, or balance adjustment is acceptable. Only full deletion will satisfy this demand. 

Failure to comply will result in : Immediate legal action for statutory and actual damages Formal complaints filed with the CFPB, FTC, and state Attorney General A lawsuit seeking injunctive relief and attorneys fees This is your final notice. I request written confirmation of removal upon completion of your reinvestigation.

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 2025-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I got a cashiers check from my bank. That cashiers check was damaged so I returned it to get a new one. Weeks later my bank withdrew the same amount as the cashiers check from my account. The bank is telling me it was because the bank teller did not process the damaged cashiers check properly. The money was withdrawn from my account on Thursday XX/XX/year>. It is Monday XX/XX/year> and they still have not put the money back in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I'm not familiar with Company Midland Credit Management On My Credit Profile. I Have No Written Or Verbal Agreement with this company.I Ask The CFPB To Investigate And Remove This Account From My Credit Profile Immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-05-13 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: CO

Complaint narrative:
I have no affiliation with these accounts and suspect them to be fraudulent. I request a comprehensive investigation and their immediate removal from my credit report. Enclosed are supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report these remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: CA

Complaint narrative:
I am filing this complaint due to the continued and unlawful reporting of inaccurate, incomplete, and unverifiable information on my consumer credit report by Experian. Despite multiple prior disputes and the submission of verified documentationincluding an FTC Identity Theft Report, this company has failed to conduct a lawful reinvestigation or correct/remove the disputed item in violation of federal law.

Violations Involved : - FCRA 1681i failure to properly investigate disputed information within 30 days.

- FCRA 1681s-2 ( a ) continued reporting of information known or reasonably known to be inaccurate.

- Regulation V ( 12 CFR 1022.43 ) failure by furnisher to comply with direct dispute obligations. 

This behavior is nearly identical to the misconduct referenced in prior CFPB complaints such as : - CFPB Complaint # XXXX resulted in non-monetary relief and correction of identity theft-related errors. 
- CFPB Complaint # XXXX resulted in successful removal of unverifiable account data following a formal dispute. 

Consumer Harm and Requested Relief : As a direct result of this companys ongoing violations, I have suffered : - Inaccurate credit reporting affecting creditworthiness and financial opportunities.

- Emotional distress and unnecessary time and effort to correct this issue.

- Denials or unfavorable terms for financial products due to incorrect reporting. 

XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , remove 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 personal credit card account opened at 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  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 XXXX as proof from the US 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 2025-05-13 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , remove 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 personal credit card account opened at 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  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 XXXX as proof from the US Federal Trade Commission that all of 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 non-monetary relief
Consumer complaint received 2025-05-13 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.

Complaint narrative:
I filed the dispute by mail about credit accounts mismatch on my account on XX/XX/XXXX, that does not belongs to me. Provided all the requested to transunion. Did not got any response back since then. I provided them documents from bank again XX/XX/XXXX, XX/XX/XXXX. But they did not opened a file for me and did not verify all the inaccurate accounts and information.

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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am submitting this formal complaint regarding a collection account reported by XXXXXXXX XXXX, allegedly related to an account from XXXX XXXX XXXX XXXX. The account appears on my Equifax and TransUnion credit reports, but not on Experian, in violation of the Fair Credit Reporting Act ( FCRA ). 

There are multiple violations and inconsistencies : XXXX. Inaccurate Original Creditor Name : - TransUnion reports the original creditor as " XXXX XXXX XXXX XXXX XXXX, '' while Equifax reports " Absolute Resolutions. '' - This violates 15 U.S.C. 1681g ( a ) ( 2 ), which requires the credit furnisher to provide the name of the original creditor accurately.

2. Incomplete and Inconsistent Reporting Across Bureaus : - XXXX  does not report the account at all, while Equifax and TransUnion do. This creates confusion and unequal treatment in my credit profile. 
- This violates 15 U.S.C. 1681e ( b ), which mandates maximum possible accuracy in consumer reporting, and 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), which requires a furnisher to delete or correct incomplete or inaccurate information.

3. Failure to Provide Debt Validation : - Absolute Resolutions has not provided proof that this debt is valid, nor have they shown proper chain of assignment from XXXX XXXX XXXX XXXX. This raises concerns under the FDCPA ( 15 U.S.C. 1692g ), which requires debt collectors to provide proper validation upon request.

4. Unverified Status Reporting : - TransUnion reports the account as a " collection account '' while Equifax provides no status. XXXX lists nothing. This disparity is misleading and affects my ability to receive fair credit consideration. 
- This violates 15 U.S.C. 1681s-2 ( b ), which obligates furnishers to report accurate and complete information once theyve been notified of a dispute.

I have attempted to resolve these discrepancies directly with the credit bureaus, but they have failed to conduct reasonable investigations or correct these errors.

Resolution Requested : I am requesting that this account be deleted entirely from all credit bureaus ( Equifax, TransUnion, and XXXX ) due to the conflicting, inaccurate, and unverifiable information. At a minimum, the credit bureaus and XXXX XXXX must provide full documentation of the debt, the chain of assignment, and correct all inconsistencies. 

Thank you for your attention to 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 non-monetary relief