vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-28 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: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX XXXX XXXX account # XXXX XXXXXXXX XXXX XXXXXXXX account # XXXX XXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # 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 2025-04-28 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:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-04-28 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: OH

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX 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 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXXXXXX XXXX XXXX. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall 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 non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXXXXXX XXXX XXXX. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall 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 non-monetary relief
Consumer complaint received 2025-04-28 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: MD

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 explanation
Consumer complaint received 2025-04-28 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: VA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I've booked online ticket to them promotion XXXX trip number XXXX XXXX XXXX XXXX payment method Affirm purchase date XX/XX/year>, XXXX XXXX XXXX XXXX XXXX cost : {$73.00} taxes & fees ........................................ {$55.00} XXXX XXXX XXXX XXXX XXXX {$92.00} taxes & fess ........................................ {$57.00} Number of travelers 2 Flight total ......................................... {$550.00} Seat cost ........................................... {$230.00} Total charged .................................... {$780.00} On our flight back from XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXXXXXX XXXX  at the check in counter XXXX XXXX agent had told us we're not on the list XXXX XXXX XXXX, No booking was found on our names, they can not explain to us what happen even we have we have a booking flight and confirmation number. Our day was turned upside down. 
I have to buy and book a flight to XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX @ XXXX from XXXX XXXX XXXX XXXX connecting flight to XXXX XXXX 

I tried to dispute this transaction thru Affirm they don't Validate. 
They sell my dispute nonpayment thru collection agencies, which is service NOT even provided to us. 
Need your assistance for this matter, Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: OH

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 2025-04-28 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: OH

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 2025-04-28 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:
am filing a complaint regarding the reporting of inaccurate derogatory information by XXXX on my Experian credit report. 

I paid this account in full and disputed the negative payment history and derogatory status. Experian verified the account without properly investigating or correcting the negative history. 

The Fair Credit Reporting Act ( FCRA ) requires consumer reporting agencies to maintain accurate and complete information. The continued reporting of derogatory marks on a fully paid account is misleading and unfairly damaging my credit profile. 

I am requesting the immediate deletion of the negative payment history associated with this account while accurately reporting it as paid in full with a current or closed positive standing. 

I request the CFPBs oversight to ensure this correction is made and Experian complies with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Failure to Correct Personal Information Despite Valid Documentation Complaint : I am filing this complaint against Equifax Information Services LLC for failure to correct my personal identifying information, specifically my legal name and current address, despite multiple submissions of valid documentation. 

On [ insert date you mailed it ], I mailed Equifax : A copy of my government-issued photo ID ( showing my full legal name and current address ) A copy of my Social Security card ( confirming my full legal name ) A recent bank statement ( confirming my current address at XXXX XXXX XXXX XXXX XXXX, OH XXXX ) Despite receiving and partially processing my documents ( they updated my employer and phone number ), Equifax has refused to update my full legal name to XXXX XXXX XXXX and my current address.

Instead, I received another letter stating they require a pay stub as address proof. However, according to XXXX own published dispute policy, acceptable documents for proof of address include : Utility bill Bank statement Pay stub W2 or 1099 forBank statements are explicitly listed as acceptable proof.

Furthermore, when I contacted Equifax by phone on XX/XX/year>, XXXX was explicitly told by their representative that my government-issued ID was sufficient to update my name. Equifax claims that all customer calls are " recorded for quality assurance, '' and I am requesting that this recording be reviewed to confirm their verbal assurance. 

Therefore, XXXX refusal to accept my valid documentation constitutes : Failure to conduct a reasonable investigation under the Fair Credit Reporting Act ( FCRA ) Deliberate delay tactics to correct factual errors Unfair treatment after complying with their stated requirements I am requesting that Equifax immediately : Correct my legal name to XXXX XXXX XXXX Update my current address to XXXX XXXX XXXX, XXXX, OH XXXX Provide written confirmation of these updates I respectfully request CFPB oversight to ensure this issue is resolved promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: FL

Complaint narrative:
my identity was stolen There are a bunch of open accounts on my credit that I did not authorize. I filed an FTC report and I want everything removed off of my credit immediately.

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 2025-04-28 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: National Credit Systems,Inc.
State: PA

Complaint narrative:
Dispute XXXX Resolved On XX/XX/XXXX : National Credit Systems Denied Claim Dispute XXXX Resolved On XX/XX/XXXX National Credit Systems Denied Claim Dispute XXXX Resolved On XXXX XXXX, XXXX National Credit Systems Denied Claim

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: FL

Complaint narrative:
I opened up two separate disputes on a XXXX  XXXX that scammed us for our wedding. She was hired to do catering, full service serving, cake cutting, juice bar, coffee bar, dessert table, butlers and hors devours for XXXX hour. Our caterer left us hanging and did not provide the services we paid for! After contacting her, she proceeded to block us on everything so no resolution could be made. Of course our next step was to dispute with Wells Fargo, which they soon after denied and then reopened my claim once I called them. I sent in all of the proof such as the contract like they asked for, and the messages I had with her when she blocked and ignored us. Furthermore, they sided with her and said that she said she was willing to work with us which was NEVER the case as she is a scammer and blocked us immediately. We have messages for proof so obviously Wells Fargo did NOT investigate for us and we are out of $ XXXX. We were on a payment plan with this person so we made multiple payments to them totaling over {$1000.00}. We sent in all of the proof, and we do not believe she was able to prove anything because she can not have proof of something she did not provide. I am 100 % disappointed in the way Wells Fargo handled this as Im a customer for many years and Ive been scammed and they are not allowing a investigation to be made with ALL OF THE PROOF. Transaction dates listed below : {$750.00} on XX/XX/XXXX {$170.00} on XX/XX/XXXX {$120.00} on XX/XX/XXXX {$100.00} on XX/XX/XXXX {$100.00} on XX/XX/XXXX {$50.00} on XX/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 2025-04-28 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: FL

Complaint narrative:
Fraudulent credit inquiries from XXXX XXXX XXXX XXXX XXXX XXXX these inquires are fraudulent I did not authorize these nor did I give consent I

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 2025-04-28 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:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit 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 explanation
Consumer complaint received 2025-04-28 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: FL

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Klarna AB
State: VA

Complaint narrative:
On XX/XX/XXXX, I made a {$60.00} payment via Klarna for concert tickets ( from the merchant XXXX ). XXXX did not provide me the tickets before the event. I contacted the merchant, XXXX, who stated they have no process for refunds. I filed a dispute with Klarna on XX/XX/XXXX. I followed up and spoke to chat agent XXXX on XXXX. I spoke again to chat agent XXXX on XX/XX/XXXX. I followed up and spoke to chat agent XXXX on XX/XX/XXXX. Each time, Klarna confirmed they would reach out to me for evidence before closing the claim ( but couldnt take my evidence yet ). I then was notified via email that Klarna closed my claim without requesting my evidence. I contacted Klarna again on XXXX and spoke to chat agent XXXX, who re-opened the case. On XX/XX/XXXX, Klarna finally contacted for evidence, which I provided ( a screenshot of the initial purchase email from XXXX which stated they would release the tickets to me before the listed date and time of the event, and a screenshot of the ticket release email - over an hour after the event passed ). Klarna promptly closed my case again. I called Klarna today and they told me theres nothing they can do, despite confirming I didnt receive the goods I ordered as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: NC

Complaint narrative:
I reviewed my credit report and noticed several inaccuracies. I sent a letter to EQUIFAX in XXXX to dispute these items. However, it has been more than 35 days, and I have not received a response from the credit bureau. This delay is a violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires a response within 30 days.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), if a consumer disputes the accuracy or completeness of any information in their file, the credit reporting agency must, at no cost, conduct a reasonable investigation, verify the disputed information, and update the file or remove inaccurate items within 30 days of receiving the notice of dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: NV

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 non-monetary relief
Consumer complaint received 2025-04-28 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: PA

Complaint narrative:
I am very upset to see an unauthorized inquiry pop up on my credit report today for no reason. I always monitor my report, and I refreshed my browser multiple times hoping it was a glitch, but the inquiry didnt disappear. I need this issue handled right away, and I want the documents I sent to be carefully checked to prevent this from happening again.

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