vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-29 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: KY

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 XXXX  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 XXXX 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 2025-04-29 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: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-29 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 am demanding the removal of inaccurate information from my credit report. These entries are clear violations of my rights under the Fair Credit Reporting Act ( FCRA ). Under Section 607 ( b ), credit reporting agencies are required to maintain maximum possible accuracy, and these errors blatantly fail to meet that standard. I expect an immediate investigation and correction of these inaccuracies.

Moreover, under Section 609 ( a ) ( 1 ), I am entitled to obtain verifiable documentation about the source of this erroneous information. I expect this to be provided without delay. If you do not reinvestigate the disputed items within 30 days, as required under Section 611 ( a ) ( 1 ), further action will be pursued.

Failure to correct these errors will result in legal action. This correction is not just an obligation, its necessary to prevent further harm to my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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:
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 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian XXXX. XXXX XXXX XXXX, TX XXXX Re : Formal Reinvestigation Demand Inaccurate Reporting of XXXX XXXX  Account ( Ending in XXXX ) I am writing to formally demand a reinvestigation of the inaccurate XXXXXXXX XXXX account appearing on my Experian credit report. 

This account is being inaccurately reported in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, and must be removed immediately for the following reasons : XXXX. This account was removed from my XXXX report a long time ago after they conducted a proper investigation and determined the information could not be verified. This sets a clear precedent, and under FCRA 1681e ( b ) you are obligated to ensure the accuracy and consistency of the consumer data you report. 
XXXX. The account is factually inaccurate. Continuing to publish and distribute false information about me to third parties is a direct violation of FCRA 1681i and 1681e ( b ). 
XXXX. If you failed to obtain original documentation ( such as the signed contract or application from XXXX XXXX ), your so-called verification is insufficient and unlawful. Merely parroting data from a furnisher without confirming its validity does not meet the threshold for a reasonable investigation, as held in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I am demanding the immediate removal of this account from my Experian credit report. Any further failure to comply with your legal obligations under the FCRA will only strengthen my position in the arbitration claim that has already been filed against Experian for violations of federal consumer protection laws. 

You have XXXX days from the date of this letter to correct this reporting error and confirm deletion. Otherwise, I will present your noncompliance as additional evidence of willful disregard for consumer rights in the pending legal 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 2025-04-29 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: NJ

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law..

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 2025-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Exto Inc.
State: AZ

Complaint narrative:
I was lead to atlas because they claimed specialize in helping to raise credit score. I opened an account which included a saving account as well as a prepaid credit card. The fee to use their service is {$8.00} a month. 

There were several times where I would get automatic emails that told me they were automatically taking from my checking account and either pay my balance on my prepaid credit card or they were taking it from my checking to put in my savings account with them. They would send an email out about 1 hour before they automatically pulled the random amount out of my checking account. Which does not give enough time to cancel if needed. 

After they took out several times I took all of the money that they took and put into my saving account from my personal checking account and would transfer that to my prepaid credit card through them. I would transfer the funds and money would disappear from the prepaid account and it would show a lower available credit. For instance it would show {$20.00} available credit to use on the account and lets say I moved over {$25.00} from my savings making my total available {$45.00}. No it would show {$15.00} as available credit. I did not like the games they were playing with my account so I tried to cancel my account and there was no way at all to cancel the account. 
I had to sent a message through a bot on the app that asked me about 25 questions and told me if I didnt keep paying them {$8.00} they were pretty much going to ruin my credit. 

I received an email a few days later from someone and they again asked if I was sure I wanted to cancel and that my credit would be damaged worse if I didnt keep their service. I let them know I needed my records from the account and they told me that they paused my account and I owe them {$30.00}. I replied theres no way I owe you money since I transferred funds several times to the prepaid credit card. They refused to give me a breakdown of any of my account information and replied back that they have closed my account and sent my balance to collections. 

I will need to take legal action as they are taking advantage of individuals and stealing money and not allowing anyone to close their account. 

I would like the president or CEO of this company to contact me personally with all of my transactions details of my savings account through them as well as my prepaid credit card. 

There was also a lot of forceful advertising on the app that does not allow you to bypass without clicking through a different screen. Very predatory of this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: SC

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
Dispute Regarding Incorrect Reporting of Apple Card and Missing XXXX Student Loan To Whom It May Concern : I am writing to dispute inaccurate information on my XXXX credit report. 

XXXX, XXXX is showing my Apple Card ( issued by Goldman Sachs ) as XXXX days past due for XX/XX/year>. This is not true. I made the payment on XX/XX/year>, which was not even XXXX days late. A XXXXday late mark should only be reported if a full XXXXXXXX days have passed without payment, which did not happen. 
Because of this error, I am asking for the XXXXday late mark to be removed and for the account to be reported as Paid as Agreed. 

XXXX my XXXX student loan account was being reported before but has now been removed without any reason. This account has always been paid on time, with no missed payments and has always been in good standing. Its removal dropped my credit score by a lot. I am requesting that the XXXX account be put back on my credit report and that it shows the correct history of on-time payments and good standing. 

I am requesting the following : Remove the XXXXday late payment for the Apple Card for XX/XX/year>. 
Update the Apple Card account to Paid as Agreed. 
Put the XXXX student loan account back on my credit report, showing no missed payments and good standing. 
Send me a corrected copy of my credit report once these changes are made. 

Thank you for your attention to this matter. I look forward to a quick response. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Loan opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Someone took out a XXXX XXXX  and received grants in my name. Well kind of, considering they spelled my name wrong on every document they filled out. I have NEVER misspelled my name in my life. They applied to a school in a city where I never lived nor planned to ever live. I believe the people listed as my references are the perps XXXX XXXX and XXXX XXXX ( spelling may be off, letters were missing. ) One was listed as my sibling and the other XXXX as my friend. I have no freaking clue who these people are but I'm willing to bet that one or both of them either worked for the school or the financial institution and I'm pretty sure that if investigated their names will be listed as references on other peoples applications. The home address they used was an apartment in XXXX California which also screwed me because for years when I had to answer security questions and a XXXX address would often pop up and I'd answer that I've never lived at any of those locations, and then I'd be denied access to my own stuff. I've had my taxes intercepted and taken by the treasury for years. My son and I were displaced from our home. I had to be my own detective because I couldn't afford a signature expert or private investigators or attorneys. I've lost XXXX  of dollars and faced many financial hardships due to this and the cherry on top was that I couldn't even finish school or apply for financial aid because of all this. I want an investigation and all of my hard earned money back. I want these criminal f & % ks to go to jail and pay everyone they've scammed all their money back. I HATE these people. They got XXXX XXXX XXXX totaling {$6400.00} and another from XXXX XXXX XXXX and a XXXX XXXX {$4100.00} and I had to pay it back with interest and I still owe $ XXXX left after all fees. This is just insane. I want my money back, my name cleared, the debt removed, my financial aid status restored, I just want to finish school XXXX XXXX. I want these individuals to get some professional help. The world needs to know about these people.

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 2025-04-29 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 demand the immediate removal of inaccurate information from my credit report, as it violates multiple provisions of the FCRA. Under Section 611 ( a ) ( 5 ) ( B ), if the disputed information is found to be inaccurate or unverifiable, it must be permanently removed. I expect nothing less than full compliance.

Under Section 609 ( e ), if identity theft is involved, I am entitled to supporting documentation from both the credit agencies and the furnishers. I expect you to provide this documentation immediately.

Section 623 ( a ) ( 2 ) clearly states that furnishers must promptly correct any inaccurate information. This hasnt happened, and I demand immediate action.

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 2025-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
So last night I was logged into my AMEX XXXX and they told me to link my checking account to my savings account well I don't have a checking account but I was curious cause I know that someone has been stealing my identity and I know it to be true and I also reported someone in 2023 for their illegal activity and I know there the ones that are messing with my identity but to the point so I linked the checking account to my savings account and it was a checking account at XXXX XXXX  XXXX and I have did not make that account nor did I give anyone permission to make it in my name so that's fraud I called XXXX AND They could not find the account that is in my name and linked to my XXXX and is going to stay that way until I get to the bottom of it with the XXXX help please and thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: OH

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-04-29 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: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WSFS FINANCIAL CORPORATION
State: PA

Complaint narrative:
I currently bank with wsfs bank here in XXXX on XX/XX/year> I deposit two MONEY ORDERS into my account via ATM deposit Account # is XXXX  The money orders are for {$1000.00} each Totaling to {$2000.00} WSFS bank policy states funds will be available next day or if a held is placed 7-10 days max It is now XX/XX/XXXX almost a month later and I still do not have access to my funds The money is available in my account but I cant use it they restricted my account as well For money orders I check the status of the two postal money orders and they are listed as cashed so Wsfs received the money Ive called customer service multiple times and went to the bank to get a explanation why is it so long they said they are investigating the money orders I feel as though the investigation should be over once they already verfied the money orders are legit and non fraudulent They say due to previous claims with money orders they took extra precautions but in my case my money orders are legit and I need my money

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 2025-04-29 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: Colony Brands, Inc.
State: MS

Complaint narrative:
whom it may concern : I have read through my credit report ( Experian ) provided by you and can't seem to make sense of this data you report. I need your help and would appreciate expedited investigation on the account Seventh Avenue account XXXX collection is late by default and therefore can not report a late payment. This account also shows closed but is still posting as late. I requested a dispute that took less than a day to come back verified. I am requesting the method of verification and the description of the procedure and all documentation during the investigation that proves the information is reporting accurately and provide all supporting documentation in 15 days and if not able to requesting deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Control, LLC
State: CA

Complaint narrative:
According to 15 USC XXXXC you have violated my rights by unlawful communications please remove this collection off my credit report Thank you.

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