vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I applied for a loan on XX/XX/year>2025 and was told by my bank on Monday, XX/XX/XXXX that my credit report was frozen by Experian. I was able to log on to my Experian account where it showed that my account was not frozen. I have tried call Experian at multiple numbers over the last few days but can not reach a human. Their automated system keeps telling me that my account is not frozen, but my bank has tried to pull my credit report numerous times over the last XXXX days and it is still frozen. I feel as though I am being held captive by this company.

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 2025-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Zions Debt Holdings
State: IL

Complaint narrative:
Subject : Formal Dispute and Demand for Deletion of Unverified Debt Violation of the FDCPA & FCRA To Whom It May Concern, I am writing to formally dispute the validity of the debt you are reporting to the credit bureaus under my name. This account is currently appearing on my credit report and is severely impacting my ability to obtain credit and secure stable housing for my family. 

Upon review of my records, I have not received any prior communication from your company regarding this alleged debt. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, a debt collector must provide written notice of a debt within XXXX days of initial communication, including the amount of the debt and the name of the original creditor. Failure to do so constitutes a violation of my consumer rights. 

Furthermore, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, a furnisher of information must ensure that any reported debt is accurate, complete, and verifiable. You are also required to conduct a reasonable investigation if a dispute is filed. Since you have neither provided proper validation nor obtained my express consent to report this debt, you are in direct violation of the FCRA. The legal precedent in XXXX XXXX XXXX XXXX XXXX, 605 F.3d 665 ( 9th Cir. 2010 ) establishes that a debt collector can not furnish information to credit reporting agencies without a permissible purpose. 

Given these violations, I demand the following : 1. Immediate cessation of reporting this unverified debt to the credit bureaus ( XXXX, XXXX, and XXXX ). 
2. Deletion of this account from my credit reports due to failure to provide validation in compliance with federal law. 
3. Written confirmation that you have ceased collection activities and removed this account from my credit file. 

Failure to comply with these demands will result in the filing of a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals Office. Additionally, I reserve the right to pursue legal action against your company for violations of the FDCPA and FCRA, which could result in statutory damages, attorney fees, and other legal remedies. 

I expect a written response within XXXX days of this letters receipt. Please consider this notice as a formal dispute under both the FDCPA and FCRA. Any further reporting of this debt without proper validation will be seen as continued non-compliance and subject to legal consequences.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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:
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 XXXXB of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: TX

Complaint narrative:
As you can imagine, this is quite concerning. The information listed isnt accurate, and its important for me to have my report reflect the true picture of my creditworthiness. Im requesting that you review this error and take the necessary steps to correct it 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 2025-03-05 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:
PLEASE BLOCK AND REMOVE I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Virginia XXXX XXXX XXXX XX/XX/year> Capital one XXXX XXXX XXXX XXXX XXXX, Tx XXXX Re : Formal Dispute of Charge-Off Entry under FCRA Account Number : [ XXXX ] Dear Sir/Madam, I am writing to formally dispute the accuracy of a charge-off entry reported on my credit file, referenced by account number [ Account Number ], which is listed under your bureaus credit report. 

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX, I request an immediate investigation into the accuracy and validity of this entry. Specifically, I believe that the charge-off entry is incorrect due to the following reason ( XXXX ) : [ Insert reason for dispute here. For example : I did not authorize the charge-off, as I had been in consistent communication with the creditor and had made timely payments prior to the account being reported as charged off. ] In accordance with 15 U.S.C. XXXXi ( a ), I am requesting that you conduct a reasonable investigation into this disputed item. Please provide me with all relevant documentation and evidence that supports the validity of the charge-off, including any communications, notices, or other records that substantiate the charge-off date and the amount involved. 

Additionally, under 15 U.S.C. XXXXe ( b ), all information on my credit report must be accurate, and I am entitled to a complete and accurate reflection of my credit history. If the charge-off can not be substantiated, I request that it be removed from my credit file immediately. 

I further assert that under 15 U.S.C. XXXXi ( a ) ( XXXX ), you are required to complete your investigation within XXXX  days from receipt of this letter. I expect that this matter will be resolved in full compliance with the FCRA, and I request that you notify me in writing of the outcome of your investigation. 

Should the charge-off remain on my credit report without proper evidence or if your investigation does not satisfy the requirements under the FCRA, I will have no choice but to escalate this dispute to the Consumer Financial Protection Bureau ( CFPB ) and/or seek legal counsel for further resolution. 

Please provide a written response to my request for information and any updates to the status of the investigation at your earliest convenience. I also request that you send me a copy of the updated credit report once this issue has been resolved. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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:
It has come to my attention my personal information has been exposed in a national data breach. Reviewing my credit reports, I noticed some accounts that I am unfamiliar with, I have ask the XXXX XXXX for validation of debt, however, the information has not been provided. Due to my information being exposed, I have submitted an FTC complaint reporting the information I am not familiar with. 

Please find attached a copy of MY ID, The FTC complaint, a copy of the XXXX report showing my information being exposed in a national data breach and Validation of the debt letter.

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 2025-03-05 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: TX

Complaint narrative:
As you can imagine, this is quite concerning. The information listed isnt accurate, and its important for me to have my report reflect the true picture of my creditworthiness. Im requesting that you review this error and take the necessary steps to correct it 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 2025-03-05 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 2025-03-05 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: WI

Complaint narrative:
On XX/XX/XXXX I submitted a complaint through the CFPB website with the complaint number attached to it as XXXX. In regard to some inaccurate information listed on my Transunion credit report. Pertaining to a XXXX XXXX XXXXy Transunion had placed on my credit report at their agency. Last time I filed my complaint I asked Transunion to reinvestigate this information because it don't belong to me. But Transunion responded on XX/XX/XXXX to my most recent CFPB complaint stating that their agency verified this information with the XXXX court. Which is evidently false because I wrote a letter myself to the XXXX court and the courts clerk responded to my letter that I did attach and uploaded with this complaint. That the XXXX courts don't verify any consumers information with credit reporting agencies at all. My rights under the Fair Credit Reporting Act ( FCRA ) section XXXX are being violated by Transunion credit reporting agency and I demand the complete removal of this chapter XXXX XXXX information from my Transunion credit report for this exact reason.

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 2025-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have contacted Wells Fargo to stop a Wire Transfer. 
I am travelling soon to XXXX for a XXXX. I have been in touch with XXXX from XXXX XXXX XXXX tours. I also spoke on the phone with them and have been planning and was going to proceed. However, they say their email was hacked and the Wire Transfer information they provided was driven by a scammer and not in fact their true wire information they intended to provide ( the scammer information is below - name XXXX XXXX XXXX ). I moved money into my Wells Fargo account to send to the XXXX Account for the transaction on XX/XX/XXXX. As soon as I found out the following morning, I contacted XXXX to cancel the transaction. A copy of the email is pasted below ( it's a thread with the Operator ; they said their email was hacked ). The information below is the fraudulent account 's information where I have sent the money and am requesting XXXX to cancel the account and retrieve the funds from the receiving XXXX account. 

XXXX Dear XXXX, You're very welcome! We're just as excited to have you join us on this safari! Great to hear you're ready to secure the booking this week. Here is our agent 's XXXX bank account details we've included everything you'll need for the transfer : Bank Name : Wells Fargo Account Type : Checking Account Name : XXXX XXXX XXXX Account Number : XXXX Routing Number : XXXX XXXX XXXX : XXXX Bank Address : XXXX XXXX XXXX, XXXX, ID XXXX Total Cost for XXXX Adults : {$7800.00} Total Amount Due : {$6200.00} Kindly send us a confirmation or screenshot of the transfer once it's completed so we can confirm and finalize your booking. We're pretty sure this will cover everything, but feel free to email us if you have any questions during the transfer. We look forward to confirming your reservation soon! Best regards, 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 2025-03-05 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:
PLEASE BLOCK AND REMOVE I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: TX

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I CALLED CITI BANK AND FILE A DISPUTE 7 DAYS LATER THEY SENT ME A LETTER STATING THAT I NEEDED TO FILE A FORMAL DISPUTE IN WRITING AND THIS IS THE LETTER I FAXED TO THE DISPUTES DEPARTMENT OF CITI BANK CITI BANK Citibank Government Services, XXXX XXXX XXXX, XXXX XXXX, SD XXXX Subject : Dispute of Unauthorized Charge Due to Fraud/ CASE NUMBER XXXX Dear CITI BANK BUSINESS DISPUTE DEPARTMENT , I am writing to formally dispute a fraudulent charge on my business checking account. On XXXX 21,2025, a charge of XXXX was posted to my account by XXXX XXXX XXXX FL XXXX without my knowledge or authorization. I did not make this transaction, nor did I authorize this companyor anyone elseto access or use my account in any way. 
I have never conducted business with XXXX XXXX XXXX FL XXXX and did not provide them with my banking details or consent for any transaction. This charge is entirely unauthorized and appears to be the result of fraud. I request that your office immediately investigate this matter, remove the charge from my account, and ensure that no further unauthorized transactions from this company or any related entity are processed. 
Additionally, I would appreciate any assistance in securing my account against future fraudulent activity. Please advise on any necessary steps I should take, such as issuing a new card or updating security settings, to protect my financial information. 
I have attached relevant supporting documents, including copies of my recent account statements highlighting the unauthorized charge. Also, A copy of the police report filed regarding this unauthorized charge, and the Consumer Financial Protection Bureau compliant against the merchant as well. If you require any further information or documentation, please contact me at I trust that you will handle this matter with urgency and provide me with a resolution as soon as possible. Please confirm the status of my dispute and any corrective actions taken at your earliest convenience.

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 2025-03-05 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: NY

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-03-05 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: TX

Complaint narrative:
I am writing to formally file a complaint concerning a recent data breach that has adversely affected my financial accounts and led to delayed payments. Due to this breach, unauthorized parties gained access to my personal information, which disrupted my ability to manage my accounts and hindered my ability to make timely payments. The data breach has not only compromised my personal and financial security but has also caused me significant inconvenience and stress. I am requesting immediate action to address these issues, as well as additional information on any measures being taken to secure my accounts and prevent further disruptions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: CA

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

Company response to consumer: Closed with non-monetary relief