vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-19 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 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 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am writing to formally dispute the inaccurate and unauthorized reporting of my account ( s ) on my credit report. Under multiple federal statutes, including the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 & 6802 ), the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), and the Identity Theft and Fraud Enforcement Act ( 18 U.S.C. 1028A ), you are legally obligated to protect my personal and financial information and ensure that my data is not misused, shared, or reported unlawfully.

Violations of Federal Laws 1. 15 U.S.C. 6801 & 6802 ( Gramm-Leach-Bliley Act ) o You are required to safeguard my nonpublic personal information ( NPI ) and ensure that it is not shared or misused without my explicit consent.

o Any reporting of my financial information without my consent constitutes a violation of federal privacy standards.

2. 15 U.S.C. 1681b ( 2 ) ( Fair Credit Reporting Act Permissible Purpose Requirement ) o You must have my direct written consent to access or report my credit information.

o If you obtained or shared my information without this consent, you are in violation of this statute.

3. 18 U.S.C. 1028A ( Aggravated Identity Theft ) o Reporting or using my personal financial information without legal authorization may be considered identity theft under federal law, punishable by criminal penalties.

4. 15 U.S.C. 1681q ( Obtaining Information Under False Pretenses ) o If my information was accessed, reported, or used without my knowledge or under false pretenses, this is a direct violation and may result in legal liability.

5. 15 U.S.C. 1681n ( Civil Liability for Willful Noncompliance ) o Willfully reporting false, misleading, or inaccurate information subjects you to civil liability, including damages, attorney fees, and punitive damages.

6. 15 U.S.C. 1681c-2 ( Blocking Information Resulting from Identity Theft ) o I demand the immediate blocking and deletion of any fraudulent or inaccurate information on my credit report, as required by law. 
XXXX XXXX Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

XXXX XXXX ACCT # XXXX XXXX XXXX  ACCT # XXXX XXXX ACCT XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX ACCT # XXXX Late Payments. 
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 non-monetary relief
Consumer complaint received 2025-03-19 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:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$690.00} XXXX XXXX XXXX - XX/XX/XXXX - {$680.00} XXXX - XXXX - XX/XX/XXXX - {$720.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$2500.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$720.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$210.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$210.00} XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX {$890.00} XXXX  - XXXX - XX/XX/XXXX - {$530.00} XXXX - XXXX - XX/XX/XXXX - {$28.00} XXXX XXXX  XXXX - XXXX - XX/XX/XXXX - {$2800.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$720.00} XXXX - XXXX - XX/XX/XXXX - {$4200.00} XXXX / XXXX - XXXX - XX/XX/XXXX - {$250.00} XXXX  - XXXX - XX/XX/XXXX - {$210.00} XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-03-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX Miscellaneous XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian

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 2025-03-19 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: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681, Section 602, I am entitled to privacy, and Section 604 ( a ) ( 2 ) states that a consumer reporting agency can not provide an account without my written consent.

Additionally, according to 15 USC 1666b, a creditor is prohibited from treating a payment on a credit card account under an open-end consumer credit plan as late for any reason

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 2025-03-19 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: OK

Complaint narrative:
I need your assistance in reviewing accounts from companies that have inaccurately reported late payments. After checking my credit report, I noticed certain accounts incorrectly marked as late. These accounts should not have any late payment remarks. Please remove these inaccuracies and update the accounts as positive, as agreed.

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 2025-03-19 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Transunion LLC XXXX XXXX XXXX XXXX pa XXXX ( Affidavit ) To Whom It May Concern : I AM A NATURAL PERSON, I AM ALSO A CONSUMER After reviewing my credit reporting I see some accounts that I did not authorize, made by the following companies ON THE FOLLOWING DATES : THESE COMPANIES ARE LISTED BELOW : XXXX XXXX inquiry dated for XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX inquiry dated for XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX inquiry dated for XX/XX/XXXX XXXX XXXX inquiry dated for XX/XX/XXXX XXXX XXXX  inquiry dated for XX/XX/XXXX, and XX/XX/XXXX ITS BEEN OVER 30 DAYS!!!! AND THIS IS MY SECOND LETTER, THIS IS A CEASE AND DECEASE LETTER. SO, I AM ASKING FOR YOUR COMPANY TO ADHERE TO THE PRIVACY ACT RIGHTS LAW AND REMOVE THESE UNAUTHORIZE INQUIRIES IMMEDIATELY. 
I DID not authorize anyone employed by these companies on these dates to make any inquiry on my credit report or even permission to look at my credit report. 15 USC 1681b ( c ) PERMISSIBLE PURPOSE OF MY CONSUMER REPORT ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. and is a serious breach of my privacy rights. Also violates 15 U.S. Code 1681 s-2 15 U.S. Code 1602 ( p ) 15 U.S. Code 1681s-3. Please validate this information with these companies and provide me with copies of any documentation bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request as a CONSUMER!!! that these fraudulent inquiries be immediately deleted from the credit file you have under my Social Security Number.

Please note you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611. 

My contact information is as follow : XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XX/XX/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 2025-03-19 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  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 2025-03-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ACIMA CREDIT, LLC
State: MD

Complaint narrative:
I This is this date collection. They keep reporting mic on my credit. It's been 7 years. It should be out of my credit file. But every time I put the dispute they go back and report it again every time I put a dispute. Are even if it's It's been 7 years. It should be out of my credit. And I don't even know all that amount of money. Cause I paid them with my credit cand then they say that I still owe them Mo money and I don't, so please, can someone help me? With this

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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:
Subject : Formal Dispute and Request for Permanent Deletion of XXXX XXXX Account Dear Experian Dispute Department, I am writing to formally dispute the accuracy and validity of the following account that appears on my Experian credit report : Creditor : XXXX XXXX XXXX Account Balance : {$29000.00} Under my rights as a consumer pursuant to the Fair Credit Reporting Act ( FCRA ) and other applicable federal laws, I am requesting that this account be permanently removed from my credit file due to potential violations of my rights. Specifically, I am disputing this account based on the following legal grounds : 1. FCRA ( 15 U.S.C. 1681 et seq. ) This statute mandates that all information reported to consumer reporting agencies must be accurate, verifiable, and fairly reported. If the data furnisher can not provide legally sufficient validation, the account must be removed.

2. 15 U.S.C. 6802 ( Gramm-Leach-Bliley Act - Privacy of Consumer Financial Information ) This law restricts how financial institutions share consumer data. If my information was shared or reported without proper disclosure or my consent, this account may have been reported unlawfully.

3. 31 U.S.C. 5118 This statute addresses legal tender obligations, which may be relevant in verifying whether this debt has been settled or otherwise satisfied in compliance with federal monetary laws. 

I am requesting that XXXX conduct a full investigation into this account and provide me with : Proof of the original contract with my signature Documentation verifying the amount owed and legal authority to collect Evidence that this account was reported in full compliance with all consumer protection laws If XXXX XXXX XXXX can not provide verifiable documentation within the required 30-day investigation period under the FCRA, XXXX demand that XXXX immediately delete this account from my credit file and provide me with written confirmation of its removal. 
If this matter is not resolved in accordance with federal law, I will not hesitate to escalate this issue by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and, if necessary, pursuing legal action to enforce my rights. 

Please send me written confirmation of the results of your investigation at the address above. If you require additional information from me, please contact me in writing. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I Am filing a complaint against Cash App XXXX Block XXXX XXXX ) Due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). Specifically, Cash App Failed to take timely and effective measures to prevent and address XXXX on their platform, leaving my account vulnerable and unprotected. Furthermore. Their Dispute Resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( XXXX  ) and XXXX XXXX These actions have caused significant inconvenience and financial loss, seek appropriate redress for these Violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Upon further review of my credit profile it has come to my attention that I have been victimized by identity theft. There are two fraudulent accounts reporting to the credit bureaus : LVNV Funding in the amount of {$310.00} and XXXX for {$140.00}. Both of these accounts are fraudulent and need to be deleted from my credit profiles immediately. Once again Id like to take this time to thank you all for your understanding compassion and most importantly speedy cooperation in this delicate situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WHEELS FINANCIAL GROUP, LLC.
State: KS

Complaint narrative:
According to the FCRA section 609B and 607B. Inaccurate information is being reported on credit report. Charge off and collections. 1099c was not provided as well.

According to FCRA section 605b items are being reported by a different name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: TX

Complaint narrative:
I am disputing an inaccurate late payment reported by [ XXXX XXXXXXXX ] to [ Equifax Information Services LLC ] on my [ Credit Card ] account [ XXXX ] for the date [ XX/XX/XXXX ]. This reporting is incorrect and has negatively impacted my credit score. 
Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i & 1681s-2 ), credit bureaus and furnishers are required to ensure accuracy and conduct a reasonable investigation of disputed information. Despite my formal dispute, the inaccurate late payment remains on my credit report.

Additionally, case law such as Edward Seamans v. Temple University ( 2014 ) and Saunders v. Branch Banking & Trust Co. of VA ( BB & T ) ( 2008 ) confirms that furnishers must thoroughly investigate disputes and can not continue reporting misleading information. This failure violates the FCRA, TILA, and UDAAP regulations. I have made multiple attempts to resolve this matter, but no corrective action has been taken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. The information in question is 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  This information is incorrect because it does not belong to me or it is outdated. I have attached copies of document and request letter to support my claim.

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 2025-03-19 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. The information in question is 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  This information is incorrect because it does not belong to me or it is outdated. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: NJ

Complaint narrative:
{$5000.00} was deducted from my bank account on XX/XX/2025. I reported to my bank- Wells Fargo that I don't know about this transaction. The merchant 's name on my account was XXXX. I got to know about the charges when I received a declined email alert of {$1000.00} on my account. This is what prompted me to check my account and discovered that {$5000.00} was deducted I do not have any transactions with them. I disputed the amount with my bank and the bank denied it that it was a legitimate charge. I told them severally and made several calls and also sent an email that I did not authorize the payment and no nothing about it. They refused to refund the money. 

The merchant- XXXX is unreachable by phone ( XXXX. ) I only contacted them on the email I saw on their website- XXXX I also contacted them through chat on their website and there was no response.

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 2025-03-19 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: TX

Complaint narrative:
I discovered an unauthorized and inaccurate collection account on my credit report from Experian Information Solutions associated with XXXX, account number XXXX. This account does not belong to me, and I have no knowledge of its origin. I formally disputed this account with the credit bureau, requesting verification and removal based on my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 623 ( 15 U.S.C. 1681s-2 ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Sections 809 ( 15 U.S.C. 1692g ) and 807 ( 15 U.S.C. 1692e ).

Despite my formal dispute and request for a thorough investigation, Experian Information Solutions has continued to report this account without verifying its accuracy or providing me with documentation supporting its validity. This violates my rights under the FCRA, as credit bureaus are required to conduct a reasonable investigation and must not report inaccurate or unverifiable information. Notably, failure to comply with these requirements has been underscored by precedents such as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
This inaccurate information is damaging my XXXX XXXX and affecting my financial standing. I believe that the credit bureaus failure to properly investigate and respond to my dispute is a direct violation of the FCRA, causing me unnecessary harm.

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