vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: NJ

Complaint narrative:
International wire transfer with Western Union was cancelled by self on XX/XX/year>. Western Union website regarding refunds states Refunds are completed in the original form of payment and within 5-7 business days from the date they are processed. I have called and tried to learn the status of my refund on several occasions and have been given extended processing times. It has been 39 days and I have still yet to see my funds returned to my account from which they were taken. The total amount of the transfer was XXXX. I have photographic evidence of my calls with western union as well as details of the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: VA

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 2025-05-06 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: VA

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 2025-05-06 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: MS

Complaint narrative:
I am a victim of identity theft. My information was compromised in the Equifax Data Breach. The Dept of ED and XXXX XXXX loans need to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: MS

Complaint narrative:
I am a victim of identity theft. My information was compromised in the XXXX XXXX XXXX The Dept of ED and XXXX XXXX loans need to be removed 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 2025-05-06 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

I looked at my Experian, XXXX XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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
Consumer complaint received 2025-05-06 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Account shows an unresolved balance despite being closed ; alleged repossession needs verification. Re-aging account as if vehicle is still in possession. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Incorrect date of last activity and re-aging. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge-off listed inaccurately and unresolved. Age of the account is past 7 years. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge off listed inaccurately and unresolved. Age of the account is past 7 years. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : account incorrectly being reported as charge-off with a balance due. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Negative payment status and history listed on this account. Account age is past 7 years. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Never had a contract with this creditor. The original creditor was XXXX XXXX XXXX. This account is has no legal authority to collect debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Account shows an unresolved balance despite being closed ; alleged repossession needs verification. Re-aging account as if vehicle is still in possession. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Incorrect date of last activity and re-aging. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge-off listed inaccurately and unresolved. Age of the account is past 7 years. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge off listed inaccurately and unresolved. Age of the account is past 7 years. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : account incorrectly being reported as charge-off with a balance due. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Negative payment status and history listed on this account. Account age is past 7 years. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Never had a contract with this creditor. The original creditor was XXXX XXXX XXXX. This account is has no legal authority to collect debt.

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 2025-05-06 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: LA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-05-06 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am been dealing with identity theft this year and have freezes on opening new accounts. however, I already had an best buy account and the theft was able to access my account and make purchases. On XX/XX/XXXX, XXXX laptops were purchased on my best buy credit card account without my knowledge. 

first purchase on XX/XX/XXXX was {$1800.00} for a XXXX - XXXX XXXX XXXX '' XXXX XXXX XXXX Laptop - XXXX XXXX XXXX XXXX - XXXX Memory XXXX XXXX XXXX XXXX XXXX - XXXX XXXX  - XXXX XXXX second purchase on XX/XX/XXXX XXXX for {$1600.00} for XXXX - XXXX XXXX XXXX XXXX XXXX Laptop - XXXX XXXX XXXX XXXX with XXXX Memory XXXX XXXX  - XXXX XXXX then the next day on XX/XX/XXXX the theft went to a different best buy store and returned the XXXX XXXX and purchased an XXXX XXXX and a gift card. then later that day they went to another best buy in XXXX XXXX, TX to return the XXXX XXXX  and purchased another XXXX and a XXXX. 

I did not make any of these transactions and these are fraudulent. I was directed here by Best Buy to make my dispute.

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 2025-05-06 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: Westlake Services, LLC
State: CA

Complaint narrative:
I did not authorize anyone employed by Nowcom Westlake Finance to make any inquiry and view my credit report. This action was taken on XX/XX/2025. This is a violation of the FCRA. I tried to make a goodwill gesture to allow them to correct their reporting but with no success.

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 2025-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I normally pay my credit cards in full each month. For the billing period of XX/XX/25 through XX/XX/25, I paid {$2000.00} of the {$3600.00} balance so Citibank charged me interest for the entire balance. They again charged me interest the following month, billing period XX/XX/25 through XX/XX/25, even though I paid it in full. I called Citibank, they said that they will charge interest for two additional billing cycles following the month the account was not paid in full. When I look at their statement under how interest is calculated, I don't see anything that states this abuse. Is this legal? I asked the representative... he responded with " Yes it is. There's a difference between legal and ethical. '' I guess I'm dealing with an unethical company.

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 2025-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CL Holdings LLC
State: FL

Complaint narrative:
I am writing to formally dispute and report a fraudulent debt collection claim initiated by Jefferson Capital Systems , LLC, which alleges to have purchased a debt on my behalf from XXXX XXXX. I have never authorized or signed for this debt, and I am providing this letter to clarify the events and assert my position. 

In XXXX, I visited XXXX XXXX to purchase a puppy. The manager offered the puppy for {$2500.00} with financing options available at XXXX XXXXXXXX. I agreed to the terms verbally, and the manager asked us to stay for several hours, claiming that the banks were slow to respond. He assured us that the contracts would be emailed for review and signature. Indeed, the documents arrived later via email, and I began making payments.

However, after several months, I noticed that one of the lenders, XXXX XXXX, was withdrawing a significantly higher amount from my account than agreed. When I reviewed the contract, I was shocked to find that it was under the name XXXX XXXX is not my legal nameand that it lacked my signature. Despite having made several payments, I realized that I had been misled. 

I returned to the store and was informed that the manager who handled my case no longer worked there and that the debt was now between me and the finance company. I called XXXX XXXX and, in an effort to avoid negative credit consequences, created a payment plan while waiting for them to respond to my concerns. I never received any clarification or documentation from them. Eventually, I stopped payments due to the lack of response and the clearly fraudulent nature of the contract. 

In XXXX, I received an email from Jefferson Capital stating they had purchased a debt from XXXX XXXX in my name. I immediately requested supporting documentation, including the signed contract, account statements, and a legal basis for the collection. None of these were ever provided. 

More disturbingly, Jefferson Capital altered the name on the original contractinitially listed under XXXX XXXX match my correct legal name, in what appears to be an attempt to legitimize the debt and pursue legal action. This act is not only unethical but also illegal, as it involves modifying a fraudulent and unsigned document to falsely associate it with me. 

Today, I discoveredthrough unsolicited legal advertisementsthat Jefferson Capital had filed a lawsuit against me in XXXX XXXX without properly validating the debt or responding to my prior requests for documentation. 

This entire matter stems from a fraudulent contract created without my consent, under an incorrect name, and with terms that were never agreed to. I am attaching all related documentation to support my case, including a copy of the contract, correspondence, and credit bureau dispute records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: IL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: GA

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 2025-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX thinks they are above the law they continually do repeat phone calls daily several times a day if you tell them the stop they contact third party and discuss your information on your account secondly they call several times a day it's close to XXXXXXXX XXXX  as a possible can and they do it several times a day, they refuse to stop

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: GA

Complaint narrative:
All XXXX of my loan accounts with Mohela are current and in forbearance. All XXXX reported 30, 60 and 90-day late status on all accounts within one week. It was verified on XX/XX/year>. This is completely devastating to my credit report and I can not get any answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I was laid off from my job due to Covid 19, I fell behind on vehicle payments but worked out a payment plan with Capital One Auto Finance. However, they repossessed the vehicle anyway, with all of my family 's personal belongings still inside. The tow truck operator would not let us retrieve any of our things and brandished a firearm during the process. My cell phone and wallet were inside the vehicle so I could not immediately call the police. Then they towed our vehicle from XXXX Texas to XXXX Texas making it impossible for us to retrieve any of our belongings.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: NY

Complaint narrative:
Hello. There are fraudulent inquiries on my report applications made in my name that I did not make nor given/authorize consent to. I suspect that it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: NC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief