vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In the grand scheme, this is really a minor problem. But this case of marketing and pricing is so deeply deceptive and misleading that it should be punished. I was trying to log into my Experian account. Every time I log in, I receive an unwanted offer to upgrade. Fine, that's not really an addressable complaint, they have the right as a private company to do that. What they DON'T have a right to do is mislead on pricing. 

Take a look at the attached screen shot. Looks completely free to upgrade, and an unsuspecting consumer might think it would be free. After all, credit bureaus have my data and my information. 

But no, look at the super fine print above, and only then it becomes obvious that you have to pay a whopping {$24.00} a month. Nope, no longer free, even though that is what is emphasized in the right corner. 

If I file a complaint with them, nothing will happen. Please bring down the long arm of the law! And if you are not the right agency to put Experian in its place, please point me to the correct one.

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 2025-04-16 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:
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 2025-04-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: SC

Complaint narrative:
XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX  XXXX Jefferson Capital Systems XXXX XXXX XXXX XXXX, XXXX, MN XXXX Subject : Request for Debt Validation and Assignment Contract Pursuant to 15 U.S.C. 1692c- Account Number-XXXX Dear Sir/Madam, I am writing to formally request, under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c, that you provide validation of the debt associated with the account number [ Account Number ] that your company is claiming. As per this statute, I am entitled to receive sufficient documentation to verify the legitimacy and accuracy of the debt. 
Please provide the following : Assignment Contract A copy of the original assignment contract between the original creditor and your company, showing your right to collect on this debt. 


Chain of Assignment Documentation showing the chain of assignment from the original creditor to your company, including all entities that have owned or serviced the debt prior to your company. 


If these XXXX documents, or any other relevant documentation validating this debt, are not included in your files, or if you can not provide them, I request that you delete this account from my credit report immediately. This deletion should be reflected across all major credit bureaus, including XXXX, XXXX, and XXXX. 
Please provide this information within the XXXX period as stipulated by the Fair Debt Collection Practices Act. If I do not receive the requested documentation within that time frame, I will consider the debt invalid, and I will expect your company to cease reporting this information to the credit bureaus. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, \ XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I filed disputes with Equifax the credit reporting agency and request for immediate removal. I never authorized the companies to run or verify my credit. They did this without my acknowledgement and consent and requested all the inquiries to be removed and Equifax sent me a letter not clearing these items that were already removed by the other credit reporting agencys that are in compliance with federal law. This agency is violating my rights and I want to pursue legal action. I was a victim of the Equifax data breach were my personal was stolen. I provided a criminal report number from my city police department and contacted FTC and they are not complying with the federal laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: LEXISNEXIS
State: OH

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: TX

Complaint narrative:
These companies accessed my credit report without my knowledge or authorization, directly damaging both my credit and credit score. Despite assurances from an TransUnion representative that these inquiries would be removed, they continue to appear. Their continued presence raises serious concerns about potential identity theft and is causing me significant distress. This situation is unacceptable, and I demand immediate investigation and removal of these fraudulent and unauthorized inquiries from my credit report.

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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am submitting this complaint due to repeated, unresolved issues with XXXX customer service regarding a repossession account on my credit report. 

I have called their customer service line multiple times, waited over an hour on hold, and spoken to a representativeonly to be transferred back into the automated system without any resolution. This has happened XXXX, and each time Ive been left with no way to speak to someone again, no case number, and no next steps. 

XXXX phone system is almost entirely automated and fails to offer a path to real human support after the initial contact. Ive followed every prompt, called during business hours, and done everything expected of a consumer. I still can not get a straight answer or assistance regarding the repossession.

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 2025-04-16 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: PA

Complaint narrative:
I have contacted creditors and reporting bureaus numerous times to no avail. I have attached formal identity theft report complaints and XXXX  complaints.

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 2025-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XX/XX/XXXX I was alerted to transactions occurring on my bank account. {$3400.00}, {$1000.00} and then another of {$900.00}. ALL OF MY MONEY. I bank with Wells Fargo. I immediately reported to the bank that I did not make these transactions. This transaction occurred through XXXX XXXX. They transfers showed up on my account as " Authorized Transaction on XX/XX/XXXX XXXX XXXX Balance. '' It also showed the last 4 digits of my bank card. I was told on my initial call with Wells Fargo that the " money went to some in Texas and the feds were on their way to his house now. '' I have waited 10 days and now Wells Fargo has denied my claim. I will get nothing back. I am a single mother. That money was from my tax return and was for childcare so that I could work. Now I have nothing.

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 2025-04-16 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: ID Analytics, Inc.
State: PA

Complaint narrative:
I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information. 
I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA

Complaint narrative:
Since XX/XX/year> I have been paying approx XXXX in over payment on a XXXX mortgage payment. Each month I call and request to have the extra payment applied to the principal and not to sit in unapplied funds account. 

I have called select portfolio service EVERY single month to demand they apply to overpayment to principal. 

It still has not been done and even last month the overpayment was put into a unapplied fund account. I believe they are purposely doing this to be deceptive. 

And although this part has been resolved, they also failed to make my insurance payment from escrow causing a insurance cancellation on my name. Then they tried to get me to pay a increase premium for THEIR insurance. Also deceptive and I know they do this on purpose. 

My main issue is with Select Portfolio Service not applying over payment to principal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: CA

Complaint narrative:
The date of last reported update is XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on my Equifax report. When I compare this to the Transunion report Transunion has the date of last reported update as XXXX. Transunion has a balance amount of {$820.00} and Equifax has a balance of {$540.00}. I'm concerned that Transunion is reaging this account. Experian lists the date of last reported update as XXXX. 
It seems like the bureaus are reaging this account. These are inaccuracies. It is not legal to report inconsistent balances across bureaus. It seems like the date of XXXX delinquencies is being changed or is different with each bureau. They should reflect the month and year XXXX delinquent. They are reporting charge off status every month. These same problems are happening for all the companies such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and all the rest listed on the report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: NJ

Complaint narrative:
I've reached out to XXXX to get an investgation of fraudulent charges on my account. The charges was from a XXXX XXXX that I didn't have contract or lease with. Also went to court. To only find out that the building wasn't owned by them at the time. And my oringnal property owner loss ownership of property. The judge gave me time to move. I've moved out in the meantime my XXXX XXXX  was fraudulent use by the next company that was in the process of buying the property. BUT an completely different company was at court. And some other company charged my card. Even tho I was order to move out by a certain date and I was not ordered to pay them anything because they didn't have proof out ownership at that time. Nor did i sign any new lease for said account to be charged. 
However I was granted to move because of the code violation on the building. I never gave permission to used my card. That was on file by previous owner. Fast forward XXXX never sent proof of the investigation they charged off my account with them and XX/XX/2025 but been adding charge offset inquiries every month afterwards. With no payment history as well. I have many payments on my account. XXXX has reported none.They are reporting inaccurate information to all three bureaus. I've attached supporting documents in support of the false reporting to my credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX 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 2025-04-16 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-04-16 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-04-16 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: Opportunity Financial, LLC
State: FL

Complaint narrative:
RE : Immediate Demand for Permanent Removal of Fraudulent Account Reported by FEB/OPPLNS I am writing to demand the immediate and permanent deletion of the following fraudulent account from my credit reports with all three credit bureaus ( TransUnion, Equifax, and Experian ) : - Creditor : XXXX  - Account Number : XXXX * * * * - Account Type : Installment ( Unsecured Loan ) - Account Status : Derogatory - Date Opened : XX/XX/year> - High Credit : {$1000.00} This account is the result of identity theft. Although there may be records of alleged payments, that does not change the fact that I did not open or authorize this account. I have no relationship with FEB/OPPLNS. The debt is fraudulent and must be removed from my credit reports immediately. 
In addition to reporting this fraud to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and Better Business Bureau ( BBB ), I am in the process of pursuing legal action against this company. A representative named XXXX has repeatedly called my phone, leaving multiple messages and calling during times outside the limits permitted by law including calls made before XXXX XXXX  and after XXXX XXXX in violation of the Fair Debt Collection Practices Act ( FDCPA ) 805 ( a ) ( 1 ) 15 U.S.C. 1692c ( a ) ( 1 ). These actions have been verified and are voice recorded.

Her repeated calls and voicemails after being informed of identity theft, and without my consent, constitute harassment under FDCPA 1692d. These actions are emotionally distressing and legally actionable. 
Furthermore, under the Fair Credit Reporting Act ( FCRA ) : - FCRA 1681c-2 requires credit bureaus to block or remove identity theft-related information upon receiving proper documentation.

- FCRA 1681s-2 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting information they know or should know to be inaccurate.

Failure to remove this account constitutes a willful violation of federal law and subjects the credit bureaus and XXXX  to : - Statutory damages of up to {$1000.00} per violation - Additional compensation for emotional distress and reputational harm - Punitive damages and attorneys fees I am enclosing the following documents to support this demand : - Police report - Identity theft affidavit - Government-issued ID - Utility bill ( proof of address ) - Recent tax document This letter serves as a final demand for the immediate deletion of this fraudulent account from my credit reports. I also require written confirmation of the removal from all three credit bureaus. 
Thank you for your urgent compliance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: CA

Complaint narrative:
Aldous & Associates failed to provide proper debt validation upon my request. Despite this, they proceeded to report the alleged debt to the credit bureaus, negatively affecting my XXXX XXXX. According to the Fair Debt Collection Practices Act ( FDCPA ), debt XXXX must provide validation upon request before pursuing collection activities, including credit reporting. Their actions are a violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: SOFI TECHNOLOGIES, INC.
State: AR

Complaint narrative:
We decided to bank with SoFi bank. We opened a joint account. We read the terms for the direct deposit promotion, and checked in multiple times with customer service. We were told to wait until the promotion ended as well as, wait XXXX business days to receive the promotion credit via their AI software tool. XXXX informed me we did not meet criteria. XXXX claimed my husbands direct deposits were not coded correctly. They fixed the issue but could not fix the paychecks during the promotional period. We checked with my husbands employer who confirmed, the funds were sent and he is set up, for direct deposit. Their system does this automatically hence direct deposit. I checked in with my previous bank, they agreed the funds my husband received were indeed direct deposit. XXXX has numerous complaints regarding this very issue. We were eligible and met all criteria to receive the banking promotion. Their system incorrectly coded my husbands paychecks, which they were able to fix for the paychecks AFTER the promotional period. That is unacceptable. It should have been fixed as his checks and deposits have not changed at all. Same method and way. He filled out a proper direct deposit form with his company. We are entitled to receive the {$300.00} credit and we are submitting a complaint to SoFi about this issue. Had we had weird transfers or IRS refunds etc., I would have understood. But per SoFis terms about deposits, we meet all criteria and deserve our banking promotional offer that made us sign up to begin with.

Company response to consumer: Closed with explanation