vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-05-09 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:
Please proceed with blocking and removing the unauthorized accounts from my credit report without delay. I did not authorize or initiate these accounts and do not recognize them. As outlined under USC 1681g, I am formally requesting their removal within 15 days. I have attached the relevant documentation for your examination. Furthermore, the account details reported to each bureau are inconsistent and incorrect.

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 2025-05-09 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EdFinancial Services
State: PA

Complaint narrative:
On the day of XXXX at XXXX I ask to have a bill of validation sent to me for the information for myself I also dupute the matter of the 90 day late payment for XXXX is incorrect which I didnt get a 30 day nor 60 day late payment for XXXX nor XXXX of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
On or around XX/XX/year> I identified some inaccurate information on my credit report. I called the bureaus and the company as soon as I saw the inaccurate information. I have written letters and sent certified mail. I have sent Cease and desist letters. I have filed a FCT report. Please delete the accounts from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX : WELLS FARGO BANK On XX/XX/year> Wells Fargo closed my checking account without any notifican. A pop-up stated that this account did not have a " Physical Address '' associated to it, I discovered this on XX/XX/year> when I went on-line to pay bills, including house payment, medical insuance, ect. I became extremly distraught, to say the least. Attempted to call emegency phone numbers. This was about XXXX, PST. All I got where recordings.

The next morning, my fiance went to Wells Fargo in person. About six months ago we added or names to both accounts in the event of an emergency. His account had a PO Box attached to it, He being primary on that account as I am primary on my account. 

What they told him, was that my account did not have a primary address, which was not the case. Since I opened that account seven years ago my home address has been on that account since ttat time So according to the banker he met with, could not provide and answer has to why my account was closed versus his. 

But yet, on XX/XX/year>, Wells Fargo sent a cashiers check with the balance of my account to my physical home address!!! On XX/XX/year>, my fiance was that account had no physical address. 

Wells Fargo has refused to provide me with my auto pay roll deposit, which was sent to the closed account. I spent close to two hours this morning with a banker that tried everything she could think of to try to get the deposit into the second accout with my name it. They also refused to reopen the closed account so this deposit could be made since Wells Fargo made the mistake.

Wells Fargo is holding my pay check hostage for three to five days. They also stated that my Social Security Depost will be returned as well, with in three to five days. 

I am unable to pay my bills. No checking account, no checks, no ATM card. 

By XX/XX/XXXX, I almost ended up in the hospiatl with severe chest pain. 

All I get is that complaints have been filed. We will get back to you in ten days! That doesn't buy groceries, gas or pay bills. 

PLEASE Help!!!

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 2025-05-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-05-10 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: Consumer Portfolio Services, Inc.
State: VA

Complaint narrative:
Key Inconsistencies & Violations XXXX. Inconsistent Reporting : You state that my account is being reported as Paid or Closed Account/Zero Balance. However, credit bureaus have reflected this account with derogatory notations and late payments, damaging my credit profile, even though the account was paid in full via insurance proceeds and XXXX coverage. This is a misrepresentation of account status, and FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] requires you to maintain accurate reporting practices. Reporting a zero balance but still tagging the account as derogatory is both inaccurate and misleading.

2. Failure to Mark as Disputed : Under FCRA 623 ( a ) ( 3 ) [ 15 U.S.C. 1681s-2 ( a ) ( 3 ) ], a furnisher must notify credit reporting agencies that information is disputed by the consumer. There is no indication that you notified the bureaus that this account is currently under dispute. This is a direct violation of the FCRA. 
3. Damage from Misleading Payment History : You state I made no payments from XX/XX/XXXX until XX/XX/XXXX, but you omit a crucial fact : the vehicle was declared a total loss, and your own records confirm that insurance payments were made in XXXX and XX/XX/XXXX totaling over {$19000.00}. It is fraudulent to penalize me for non-payment when your company was being paid by insurance during that period. 
4. Violation of FCRA 611 ( a ) Reinvestigation Duty : Your so-called review failed to provide any evidence that you conducted a reasonable reinvestigation of my dispute. Instead, you parroted details from your internal system while ignoring the factual context and legal requirements. A lawful reinvestigation must involve more than repeating your initial claimit must actually verify the accuracy of the data you are reporting.

5. Breach of Contract Language : You cite language from the Retail Installment Sale Contract saying I must pay if the vehicle is totaled. I did payvia the insurance settlement and XXXX. You acknowledge receiving those funds. The balance was cleared as of XX/XX/XXXX, yet your reporting continues to reflect derogatory marks from the time period when I had no control over payment flow due to the insurance process. This is unethical and a violation of fair reporting standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/year> I sent funds ( {$2000.00} ) via XXXX that was intended for my sisters phone number. I was later informed by her that the funds went to her old number. That number is registered in someone elses name and the funds went to their account. I tried contacting them on several occasions and left messages, but no response. I reported the matter to my bank, Chase. They reached out to this recipients bank, but their bank refused to returned the money. I reported the matter to XXXX, on XX/XX/year>. They advised me that they cant do anything. Is it unlawful to keep funds that you know doesnt belong to you?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: NV

Complaint narrative:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days! 

These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.

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 2025-05-10 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:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days! 

These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.

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 2025-05-10 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: NV

Complaint narrative:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days! 

These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: CT

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 non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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 2025-05-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
On or about XX/XX/XXXX, a hard inquiry from Capital One ( CAP ONE NA ) appeared on my credit report, currently listed on XXXX and scheduled to remain until XX/XX/XXXX. I want to clarify that while I have an existing credit card account with Capital One, I did not submit any new credit card application, credit limit increase request, or any other request that would authorize Capital One to perform a hard inquiry at that time. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a consumer reporting agency may only furnish a credit report for specific permissible purposes, which include explicit consumer consent or a clear business need tied to a new credit request. Routine account reviews or internal checks are only authorized as soft inquiries and do not warrant a hard pull. 

I have not been notified by Capital One of any action justifying this hard inquiry, and without a valid permissible purpose, it appears to constitute unauthorized access to my credit file under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Best Buy and XXXX are falsely reporting {$0.00} payments as current, misrepresenting payment history, and delaying charge-off beyond the legal limit. This dispute package contains proof of violations of the Fair Credit Reporting Act ( FCRA ), XXXX XXXX standards, and deceptive credit practices. I request immediate deletion or correction. Supporting images and full timeline included.

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 2025-05-09 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: 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 2025-05-09 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: Skopos Financial, LLC
State: MO

Complaint narrative:
I have formally reported an error regarding incorrect information sent by the credit bureau through my email. I am disputing a mistake on my credit card statement and requested an investigation, but the company has failed to act. I expect immediate attention to resolve this matter. Furthermore, I request a confirmation receipt to ensure I am kept informed.

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 2025-05-09 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 profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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 2025-05-09 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: FL

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX Experian XXXX XXXXXXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Fraudulent Information Under 15 U.S.C. 1681c-2 To Whom It May Concern, I am writing to formally dispute the presence of fraudulent information on my credit report and request its immediate removal in accordance with the Fair Credit Reporting Act, specifically 15 U.S.C. 1681c-2. 
Enclosed you will find a copy of my identity theft report ( FTC Report Number : [ XXXX ] ) supporting my claim. 
As outlined by federal law, credit reporting agencies are required to delete any information resulting from identity theft within four ( 4 ) business days after receiving valid documentation from the consumer. The following account ( s ) were fraudulently opened in my name without my consent or authorization and must be removed at once : Fraudulent Account ( s ) to Be Deleted : 1. Account Name : [ XXXX XXXX ] 2. Account Name : [ XXXX XXXX ] 3. Account Name : [ XXXX XXXX ] 4. Account Name : [ XXXX  ] 5. Account Name : [ XXXX ] Account Number : [ XXXX ] Account Number : [ XXXX ] Account Number : [ XXXX ] Account Number : [ XXXX ] Account Number : [ XXXX ] These accounts are inaccurate, harmful to my credit profile, and do not reflect any legitimate activity I initiated. Therefore, I am requesting the following actions be taken immediately : 1. Permanently delete the above-listed account ( s ) from all versions of my credit report. 
2. Provide written confirmation that these fraudulent items have been successfully removed. 
3. Send an updated copy of my credit report reflecting these corrections. 
4. Do not place a fraud alert or any form of credit restriction on my file, as this is not a current or ongoing threat, and doing so would be unnecessary and inappropriate. 
You are required by law to comply with this request promptly upon receiving the enclosed documentation. I expect your full cooperation and a timely resolution in accordance with the Fair Credit Reporting Act. 
Should you require any further information, please contact me in writing at the address above. Thank you for your prompt attention to this matter. 
Sincerely, 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 explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 explanation