vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-04-24 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:
Please take action to block and delete the unauthorized accounts from my credit report at your earliest convenience. I have no knowledge of these accounts, nor did I approve their creation. In compliance with USC 1681g, I am requesting they be removed within 15 days. Enclosed are documents for your evaluation. Its important to note that each bureau is reporting different and inaccurate details for the same accounts.

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 2025-04-23 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: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
In XXXX, I discovered a credit card account reported under my name from Apple Card that I did not authorize or open. The account shows a charge-off with a balance of {$1100.00} and was reported as past due as of XX/XX/XXXX. I never applied for or used this credit card. I believe this account was fraudulently opened as a result of identity theft. I requested verification from the company to confirm account ownership but did not receive sufficient documentation to prove the account was legitimately mine. I have since filed a report with the FTC for identity theft and am working to have the account removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My credit report contains incorrect address information that needs to be removed. I have attached supporting documents to verify my request, and I urge you to update my records accordingly. Please prioritize this matter and remove these inaccurate addresses 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 2025-04-23 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: NY

Complaint narrative:
Please take action to block and delete the unauthorized accounts from my credit report at your earliest convenience. I have no knowledge of these accounts, nor did I approve their creation. In compliance with USC 1681g, I am requesting they be removed within 15 days. Enclosed are documents for your evaluation. Its important to note that each bureau is reporting different and inaccurate details for the same accounts.

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 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I also dispute the continued reporting of a XXXX XXXX XXXX XXXX account on my credit report, for which I am only listed as an authorized user. 

This account is appearing on my [ Experian, Equifax, and/or TransUnion ] report ( s ), even though : I was never a primary account holder, nor legally obligated for the debt.

The account shows adverse payment history and/or balance information that is negatively impacting my credit. 

I have already requested that XXXX XXXX remove me from this account as an authorized user. 

According to FCRA 603 and Metro 2 guidelines, furnishers must ensure accuracy and relevance of reported data. Since I am not legally responsible for this account, its continued presence violates both the FCRA and furnishing responsibilities under the Fair Credit Billing Act ( FCBA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I also dispute the continued reporting of a XXXX XXXX XXXX XXXX account on my credit report, for which I am only listed as an authorized user. 

This account is appearing on my [ Experian, Equifax, and/or TransUnion ] report ( s ), even though : I was never a primary account holder, nor legally obligated for the debt.

The account shows adverse payment history and/or balance information that is negatively impacting my credit. 

I have already requested that XXXX XXXX remove me from this account as an authorized user. 

According to FCRA 603 and Metro 2 guidelines, furnishers must ensure accuracy and relevance of reported data. Since I am not legally responsible for this account, its continued presence violates both the FCRA and furnishing responsibilities under the Fair Credit Billing Act ( FCBA ).

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 2025-04-23 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: GA

Complaint narrative:
I am writing to formally file a complaint and respectfully request your immediate assistance regarding inaccurate and harmful information reported on my credit report. Despite my previous efforts to resolve this matter directly with the credit reporting agency and/or creditor, the issue remains unresolved and continues to negatively affect my creditworthiness, employment opportunities, housing options, and overall financial stability. 

I have contacted the credit bureau ( s ) and the creditor involved, provided all requested documentation, and followed the dispute process as outlined under the Fair Credit Reporting Act ( FCRA ). However, the erroneous data remains on my report, in direct violation of my rights as a consumer. This misreporting is not only inaccurate but is also causing undue hardship and emotional distress.

Under the authority granted to your agency, I am hopeful that the Consumer Financial Protection Bureau will uphold its mission to protect consumers from unfair, deceptive, or abusive practices and help bring this matter to a fair and timely resolution. 

Thank you in advance for your time, your diligence, and your commitment to consumer justice. I trust that the CFPB will help ensure that my financial profile reflects accurate and verifiable information, as mandated by 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 explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Dear XXXX XXXX XXXX, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : The name and address of the original creditor and the current creditor.

Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

Proof that the original creditor securitized the debt.

Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt. A copy of previous signed lease agreements and payment ledger to XXXX XXXX XXXX  does not constitute validity of debt owed to XXXX XXXX XXXX under the laws of the FDCPA.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus as I have never entered into a third-party contract with XXXX. If this debt has been reported to my credit bureaus it must be removed immediately.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.

Sincerely, 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 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Dear XXXX XXXX XXXX, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : The name and address of the original creditor and the current creditor.

Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

Proof that the original creditor securitized the debt.

Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt. A copy of previous signed lease agreements and payment ledger to XXXX XXXX XXXX  does not constitute validity of debt owed to XXXX XXXX XXXX under the laws of the FDCPA.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus as I have never entered into a third-party contract with XXXX. If this debt has been reported to my credit bureaus it must be removed immediately.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: LA

Complaint narrative:
I am filing this complaint due to the continued collection activity and reporting of an alleged debt by the above-referenced company, despite my lawful demands for verification and documentation under multiple consumer protection laws. 

I have formally disputed this alleged debt and requested that the company : Provide a certified copy of the original agreement, signed by me, that legally establishes the alleged obligation ; Produce documentation proving mutual acceptance and execution of the contract by both parties, per Louisiana contract law ; Provide an itemized accounting of the debt ; Disclose any insurance claims, charge-offs, or 1099-C forms related to the account ; Clarify the legal basis for continued credit reporting if the debt has been forgiven, settled, or charged off. 

Despite these lawful requests, the company continues to report inaccurate and unverifiable information to consumer reporting agencies in violation of : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i and 1681s-2 Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g Truth in Lending Act ( TILA ) 15 U.S.C. 1601 Internal Revenue Code and 26 CFR 1.6050P-1 Louisiana Civil Code, Articles 19271983 Privacy Act of 1974 5 U.S.C. 552a Privacy Act Violation and Opt-Out Notification Additionally, under the Privacy Act of 1974, I submitted a written and signed opt-out request via certified mail to the company, expressly stating the following : I formally opt out of all data sharing with credit reporting agencies, affiliates, third-party collectors, and data aggregators ; I hereby demand that the company cease and desist from reporting or distributing any of my personal, financial, or credit-related information, effective immediately and indefinitely ; I expressly revoke any and all prior consent or authorizations, whether written, non-written, verbal, non-verbal, implied, or assumed, that may have been previously given to the company to report, share, or disclose my personal financial data. 

Despite this lawful and properly delivered notice, the company continues to furnish or update my private financial data to third-party agencies, in direct violation of my federally protected privacy rights and revocation of authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: LA

Complaint narrative:
I am filing this complaint due to the continued collection activity and reporting of an alleged debt by the above-referenced company, despite my lawful demands for verification and documentation under multiple consumer protection laws. 

I have formally disputed this alleged debt and requested that the company : Provide a certified copy of the original agreement, signed by me, that legally establishes the alleged obligation ; Produce documentation proving mutual acceptance and execution of the contract by both parties, per Louisiana contract law ; Provide an itemized accounting of the debt ; Disclose any insurance claims, charge-offs, or XXXX forms related to the account ; Clarify the legal basis for continued credit reporting if the debt has been forgiven, settled, or charged off. 

Despite these lawful requests, the company continues to report inaccurate and unverifiable information to consumer reporting agencies in violation of : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i and 1681s-2 Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g Truth in Lending Act ( TILA ) 15 U.S.C. 1601 Internal Revenue Code and 26 CFR 1.6050P-1 Louisiana Civil Code, Articles XXXX Privacy Act of 1974 5 U.S.C. 552a Privacy Act Violation and Opt-Out Notification Additionally, under the Privacy Act of 1974, I submitted a written and signed opt-out request via certified mail to the company, expressly stating the following : I formally opt out of all data sharing with credit reporting agencies, affiliates, third-party collectors, and data aggregators ; I hereby demand that the company cease and desist from reporting or distributing any of my personal, financial, or credit-related information, effective immediately and indefinitely ; I expressly revoke any and all prior consent or authorizations, whether written, non-written, verbal, non-verbal, implied, or assumed, that may have been previously given to the company to report, share, or disclose my personal financial data.

Despite this lawful and properly delivered notice, the company continues to furnish or update my private financial data to third-party agencies, in direct violation of my federally protected privacy rights and revocation of authorization.

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 2025-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FinCo Services Inc DBA Current
State: OH

Complaint narrative:
I was approved and disbursed {$17000.00} to my Current XXXX Account and was told due to the manner my account was closed that I was unable to receive any remaining funds from my previous account. Ive contacted Current XXXX XXXX through email and phone call and havent been provided any due diligence on the remaining balance of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Specifically, I assert that my credit information has been passed without my explicit and written permission, in violation of 15 U.S.C. 6802, which governs the permissible use of consumer information, and 15 U.S.C. 1681b, which requires that credit bureau disclosures and data sharing be made with lawful authority.

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 2025-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I opened the account recently. I had deposited a check but because I wrote the wrong bank name on the back ( I also have a chime account ) and tried to fix it they flagged the check and the deposit would have had taken long to hit my account. I called the issuing bank of the check and had them stop payment and reissue a new check so I can deposit it correctly. I also deposited a check from an item I sold online and the check bounced. I already deposited the new check and PNC took their funds form the bounce check ( which is fine the money was owed ) I waited and waited to be able to use my cleared funds my card and account numbers didnt work so I than called PNC just to find out that my account has been set for closure and I can not access my funds. I called for days and days and contacted them via chat to find out the closure isnt till the XXXX of XXXX. I rep than unlocked my account for me to get my funds and told me my account was not set for closure that it just had a security lock on it. They than locked my account back up so XXXX cant get my money. I currently dont have a valid state ID to go to a branch because they wont give me my money so i can get a ID. I know they can let me get my money and they been lying to me saying they cant unlock it and this whole time they can unlock it. I screen shotted my bank balance with the XXXX available from the XXXX check I deposited. I was never told my account was being closed until I called them. I got no letter the app doesnt say it I got no email nothing. Their unprofessional the XXXX time I called I got a lady thats not in our country and her baby was crying in the background so I know she wasnt at work she was at home and shes getting my personal info from me. Id like to sue them but I can not afford a lawyer. I just want my money my life is on hold because I cant buy a. New id without my money I need a job I got bills to pay imma be homeless soon because of this. I deposited the check on XX/XX/XXXX. They said my account set to close on XX/XX/XXXX and I got to wait for a check XXXX cant wait that long. I uploaded proof no letter form them was received saying my account will be closed I screen shorted every account inbox. I uploaded the letter of account Opening which they can send but they cant send a letter saying they closed it?

Company response to consumer: Closed with explanation