vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-25 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: DE

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 2025-04-25 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: DE

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 2025-04-25 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: PA

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 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 2025-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
here are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be 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 2025-04-25 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:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-04-25 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:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
XX/XX/year> I went to use my card and my account got frozen and I called they said they told me I had to physically go in and give them my id card but I physically can not because my cars broke done and I don't have any money to give my car bc my money 's in my frozen account I can't do anything I have no one to take me to the back no money for a taxi and I live 28+ miles from the nearest Wells Fargo I just need my account unlocked is there an email I can send a photo of my id too that's gon na be the only way I can get into my account

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 2025-04-25 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: FL

Complaint narrative:
I am formally disputing the following negative items on my credit report.

Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming.

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Ive disputed ACH transactions that were fraudulent. Bank decided not in my favor

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: FL

Complaint narrative:
I am formally disputing the following negative items on my credit report. 
Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal 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 non-monetary relief
Consumer complaint received 2025-04-25 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: Nelnet, Inc.
State: OH

Complaint narrative:
Accounts are being placed on my credit that I did not apply for which is impacting me. I never gave my information to these companies to apply for any loan or etc

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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.
State: VA

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 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 2025-04-25 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: IA

Complaint narrative:
This account had fraudulent accounts on the following date ( XXXXXXXX/2021 ). Since then, the account has repeatedly been updated as collection off every month and hurting my ability to obtain credit. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly, and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX, XXXX - XXXXXXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: WY

Complaint narrative:
Several things are going on with Nelnet. 
1. I used to have Great Lakes Borrowers. They were organized and easy to use their website and make payments. Since they're no longer around it went to Nelnet ( not my choice ). I made a payment last month for {$750.00}, when I went to make another payment they added {$430.00} in interest. That is absolutely outrageous to charge me that much, considering I'm not even being sent payments until next year.

2. Nelnet will not let me view any statements of previous payments made to Great Lakes.

3. Nelnet is showing I have FOUR loans to pay back. I should only be paying on XXXX 's and that's it. Same as Great Lakes. Nelnet has Western Govern University ( from XXXX ) and University XXXX XXXX. BOTH have been paid off already! I paid them off years ago, probably XXXX around there. I've tried to research the actual payments through the federal aid website and can't find any payments I've made to them. They're claiming I've paid less than {$2000.00} total. When I've contacted student aid they refuse to help me claiming Nelnet needs to do it when Nelnet is the literal problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Williams & Fudge, Inc
State: KS

Complaint narrative:
I received first contact from Williams and Fudge Inc. via a text message about a debt I owed to a XXXX that had sent them the debt to be collected. At the same time had a XXXX XXXX and was unable to process the situation at the time. Explained this to the person via text and asked for a few days, which would literally be over the weekend outside of business hours, to process everything going on and subsequently go to their website which they had sent a link for via the initial text message. The person responding to these texts stated they would make note on my account and they would wait until I reached out or set up a payment plan. 
The following week I returned to work after being out a day ( Monday ) and found out they had been calling my place of work over throughout that day trying to get a hold of me. When I reached out to them about this the person on the phone had an attitude and was very condescending. Basically stated they would call whoever they needed to to collect on this debt. I stated that I would be setting up a payment plan that very day but had spent most of the day traveling and had not been able to get on a computer. 
AFTER setting up this payment plan according to their instructions and website prompts and what would work best for my household finances, they have continued to harass me via phone call, text messages, calling my place of employment and threatening to call my husband to get him to pay when he isn't listed on any of any financials.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TEXAS CAPITAL BANCSHARES, INC.
State: TX

Complaint narrative:
XX/XX/XXXX - Customer submitted wire of {$10000.00} to be processed by XX/XX/XXXX in XXXX. 
XX/XX/XXXXXX/XX/XXXX processed wire that was sent to XXXX XXXXXX/XX/XXXX 
XX/XX/XXXX - Gave the wire 5 Business Days ( includinXX/XX/XXXXXXXX ) XX/XX/XXXX - Received XXXX form from XXXX XXXX XX/XX/XXXX- Recalled Wire XX/XX/XXXX - XXXX affirmed they received the recall request XX/XX/XXXXXX/XX/XXXX Reviewed XXXX form and was able to identify that XXXX XXXX sent funds to XXXXXX/XX/XXXXXXXX which is not listed as being associated with the beneficiary bank. XXXX sent message to XXXX XXXX asking why they had sent the funds there. 
XX/XX/XXXX - There has no response from XXXX XXXX as to why it was sent to XX/XX/XXXXXXXX, funds have not been returned to sender and funds have not been received by beneficiary. 

It should be noted that funds were made with the exact instructions that were once during XX/XX/XXXX for a different wire going to beneficiary with no issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: CITIBANK, N.A.
State: NY

Complaint narrative:
A CBNA/Best Buy account ( Account # : XXXX ) was fraudulently opened or taken over. I submitted a dispute with photo ID, proof of address, and XXXX police reports ( XXXX for the fraud, and XXXX for the lost bag connected to this identity theft ). I believe I was a victim of account takeover where someone accessed the account and accepted the charges without my permission. They failed to conduct a proper reinvestigation under FCRA 1681s-2 ( b ). Reporting this account without full verification violates FCRA and case law XXXX XXXX XXXX XXXX XXXX. I demand permanent deletion of this account not just closure and confirmation that it can not be reopened or re-reported. The balance must be restored to zero and fully removed from all credit reports.

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 2025-04-25 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: AZ

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-04-25 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: GA

Complaint narrative:
Equifax continues to report an unauthorized and unverifiable account labeled N/A XXXX on my credit file, despite prior disputes. This account was never opened or authorized by me, no creditor is listed, and no documentation has ever been provided to support its validity. Its presence on my report is completely unjustified and unacceptable. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), including 1681e ( b ), which requires credit reporting agencies to ensure maximum possible accuracy, and 1681b, which prohibits furnishing consumer report information without a permissible purpose or written consent. The continued reporting of this unverifiable account also constitutes willful and negligent noncompliance under 1681n and 1681o. If a third-party debt collector is involved, this further violates the Fair Debt Collection Practices Act ( FDCPA ) 1692g ( a ), which mandates debt validation upon request, and 1692e ( 8 ), which prohibits reporting disputed or false information without disclosing its disputed status. Reporting an account with no listed source, no validation, and no permissible purpose is deceptive and unlawful. I am demanding the immediate and permanent deletion of this account, along with written confirmation that it will not reappear. If Equifax fails to resolve this issue promptly, I will escalate the matter through legal counsel. The ongoing harm to my credit, finances, and peace of mind must end now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: NY

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-04-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Zions Debt Holdings
State: NC

Complaint narrative:
I owed XXXX {$350.00} and I paid it last year on XXXX/24. I have talked with XXXX over the phone about my account and they have the debt as settled. I explained to them about the debt collector Zion Debts Holdings that are still reporting my debt as owed to them. I have also told them that it was paid to the company directly and tried to show them proof of this when they were calling and texting me about the debt. They are refusing to accept that it is paid and want me to pay them saying XXXX doesnt own the account but XXXX got the money. I have also disputed this many times with the credit bureau XXXX as well.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: NV

Complaint narrative:
There are late payment remarks on my credit report that are entirely inaccurate and misleading. Many of these accounts show a {$0.00} balance and no past due amountso how can they be marked late? These notations are unfairly harming my score, despite my history of maintaining financial obligations. 

Under the FCRA, no account may be reported as delinquent unless it can be backed by verifiable proof, including original signed documentation. If no such proof exists, these remarks must be deleted immediately. Most of these items have already been corrected or removed by other major bureaus due to lack of verifiable evidence, raising concerns about why they remain.

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