vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-09 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 2025-04-09 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: IL

Complaint narrative:
I reached out to report an incident involving a fraudulent credit card account that was opened in my name with XXXX XXXX without my consent. 

On XX/XX/XXXX. I became aware of this fraudulent account when I received a notification from a credit report alert, a statement in the mail, Upon reviewing my credit report, I discovered a credit card account listed under my name that I had not authorized or opened. 

Concerned about the situation, I promptly contacted XXXX XXXX customer service at ( XXXX ) During the call, I explained that I did not open the account and that it was fraudulent. The representative I spoke with was helpful, and after reviewing my account, they acknowledged that there was a fraudulent account associated with my name. 

I was instructed to complete a fraud affidavit and provide documentation to verify my identity. I submitted the required paperwork and was assured that the matter would be investigated. However, as of today, XX/XX/XXXX. I have not received any updates regarding the status of my claim or the resolution of the fraudulent account. 

This experience has caused me significant distress and has negatively impacted my credit score.

I am requesting the CFPB 's assistance in resolving this issue promptly. I believe it is essential for financial institutions to take immediate action against fraudulent accounts to protect consumers and prevent further damage. 

Thank you for your attention to this matter. Please let me know if you require any additional information or documentation to support my case.

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 2025-04-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I disputed a collection account placed on my credit report by XXXX XXXX, related to a rental debt. I submitted the same dispute and supporting details to both XXXX and Experian. I have never received documentation validating this debt no lease, no itemized charges, and no written breakdown as required by the FDCPA and FCRA. 

XXXX reviewed the dispute and removed the account from my report on XX/XX/year>, due to lack of verification. Experian, however, marked the account as verified the same day, despite providing me with no documentation or explanation for how the debt was confirmed. 

I have submitted multiple complaints directly to XXXX XXXX, and they have not responded to a single one. This lack of response strongly suggests they are unable to validate the debt. Experian is continuing to report this account without proper documentation or input from the furnisher, which raises serious concerns about whether they conducted a legally compliant investigation under FCRA 611..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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:
This is a second complaint regarding an inaccurate XXXX late payment for XXXX XXXX XXXX XXXXXXXX, reported for XX/XX/year>. I previously disputed this error, but it remains on my credit report without proper verification. Under federal law, creditors must send billing statements at least 21 days before the due date before reporting a payment as late, as required by 15 U.S.C. 1666b. Additionally, credit bureaus are obligated under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) to ensure all information reported is fully accurate. If the furnisher can not verify the accuracy of the late payment, it must be removed. Since no valid documentation has been provided confirming this late payment complies with these legal requirements, I am requesting its immediate deletion and written confirmation. If unresolved, I will escalate this matter to the appropriate authorities.

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 2025-04-09 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:
This is a second complaint regarding an inaccurate XXXX late payment for XXXX XXXX XXXX XXXXXXXX, reported for XX/XX/year>. I previously disputed this error, but it remains on my credit report without proper verification. Under federal law, creditors must send billing statements at least 21 days before the due date before reporting a payment as late, as required by 15 U.S.C. 1666b. Additionally, credit bureaus are obligated under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) to ensure all information reported is fully accurate. If the furnisher can not verify the accuracy of the late payment, it must be removed. Since no valid documentation has been provided confirming this late payment complies with these legal requirements, I am requesting its immediate deletion and written confirmation. If unresolved, I will escalate this matter to the appropriate authorities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: UT

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX {$14000.00} XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$600.00XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$760.00} XXXX XXXX XXXX - XXXX XXXX XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$200.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$110.00} INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX 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 XXXXXX/XX/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 2025-04-09 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: UT

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX {$14000.00} XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$600.00XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$760.00} XXXX XXXX XXXX - XXXX XXXX XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$200.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$110.00} INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION XXXX XXXX XXXX has violated my rights. 

EQUIFAX XXXX XXXX XXXX has violated my rights. 

EXPERIAN XXXX XXXX XXXX has violated my rights. 

I looked at my TransUnion XXXX XXXX credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-04-09 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: CA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION XXXX XXXX XXXX has violated my rights. 

EQUIFAX XXXX XXXX XXXX has violated my rights. 

EXPERIAN XXXX XXXX XXXX has violated my rights. 

I looked at my TransUnion XXXX XXXX credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: AR

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 2025-04-09 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:
" I am filing this complaint against TransUnion for their willful non-compliance with the Fair Credit Reporting Act ( FCRA ) regarding the inaccurate reporting of a XXXX XXXX XXXX account on my credit report. 
On XX/XX/XXXX, I submitted disputes to all three major credit reporting agencies ( TransUnion, XXXX, and XXXX ) concerning a XXXX XXXX account. By XX/XX/XXXX, both XXXX and XXXX completed their investigations and removed the disputed account from my credit reports. 
However, as of XX/XX/XXXX, TransUnion continues to report this inaccurate information on my credit report, despite providing them with the following : Documentation proving that XXXX and XXXX have removed the account following successful investigations. 

TransUnion is the only credit reporting agency that has failed to comply with the FCRA. Their continued reporting of this inaccurate information is causing significant harm to my creditworthiness. I request that the CFPB take immediate action to compel TransUnion to : Immediately remove the inaccurate XXXX XXXX account from my credit report. 
Comply with all provisions of the FCRA. 

I have attached all supporting documentation to this complaint. I look forward to your prompt 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
Consumer complaint received 2025-04-09 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Equifax XXXX XXXX XXXX RE : Requesting you Block and Remove Fraud from My Consumer Report >I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report with the reference number : XXXX which is enclosed with this correspondence. In accordance with 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXX {$990.00} # XXXX opened XXXX, XXXX XXXX {$55.00} # XXXX OPENED XXXX XXXX # XXXX opened XXXX .I want to emphasize the gravity of this matter and my expectation for a prompt and effective response. Failure to respond satisfactorily will compel me to pursue legal action against your agency, as allowed under the law. Please be advised that I will seek damages, including but not limited to, statutory costs, with each violation incurring a statutory cost of {$1000.00} as specified in >15 U.S.C 1692k.

> Defamation of Character >Negligent Enhancement of Identity Fraud >Violation of the Fair Credit Reporting Act >Violation under 15 U.S. Code & sect ; 1681o - Civil liability for negligent non compliance >Violation under 15 US Code 1681n ( b ) - Civil liability for willful non-compliance >Failing to comply with 15 USC 1692 ( g ) >Violation under 15 U.S. Code 1681b Permissible purposes of consumer reports >Under 15 U.S.C. 1681i ( 7 ) Method of verification >Violations under 15 USC 1681 a ( 4 ) right to privacy >Violations under 15 U.S. Code & sect ; 1681c - Requirements relating to information contained in consumer reports I am taking this matter very seriously, and I demand that you take immediate action to block and remove the fraudulent account from my credit report. I have provided all the necessary information to facilitate this process. I kindly request that you acknowledge this letter and provide a timeline for the resolution of this issue .Your prompt attention to this matter is greatly appreciated. Sincerely XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: TN

Complaint narrative:
Please help me, I have attached supporting correspondence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Please help me, I have attached supporting correspondence.

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 2025-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
Company : PayPal Date : XX/XX/year> PayPal put a restriction on my account asking me to verify some charges I made the day of XX/XX/year> I verified them and also called in explaining to PayPal I had to order a new card and was told to send funds to friends and family until my card arrives. Which I did. They ended up blocking my account permanently and notified me I have to wait 180 days to access my funds. 

I have XXXX XXXX dollars sitting the account I am current facing hardship with my XXXX kids living on the streets please help me get my funds from payola before the government takes my children from me because we have no home.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: EQUIFAX, INC.
State: MO

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XX/XX/year>, I went to the Wells Fargo branch in XXXX XXXX, XXXX  to inquire about XXXX {$10.00} fees totaling {$20.00} on my checking account. I spoke with XXXX XXXX and he informed me that my account was no longer linked to my parents ' relationship account and would now be subjected to the minimum {$500.00} balance. He waived the fees and I made the appropriate deposit bringing my account up to {$540.00}, which exceeded the {$500.00} minimum. I never received any notification from Wells Fargo that the status of my account was changed. Fast forward to XX/XX/year>, and another {$10.00} fee was debited to my checking account, so I went back to the XXXX XXXX XXXX branch on XX/XX/year> and spoke with XXXX XXXX XXXX about the matter. She told me that she would speak with her manager and call me back at the end of the day. XXXX XXXX called me back and informed me that the bank would not waive the {$10.00} fee and that the fee was assessed at the beginning of the statement period ( which does not make any sense ). Calls to Wells Fargo customer service via phone have netted the same result.

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 2025-04-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Here is my fraudulent inquiry : XXXX XXXX  - XX/XX/year>

Company response to consumer: Closed with explanation