vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-02 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX 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 2025-04-02 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: NC

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 2025-04-02 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Aqua Finance, Inc.
State: CA

Complaint narrative:
I am writing to file a formal complaint against Aqua Finance for false and damaging credit reporting, as well as repeated harassment concerning an account that was fully paid in accordance with our agreement. 

Aqua Finance has incorrectly reported my account as delinquent, even though I paid the account in full. Over the past several months, I have received multiple communications from Aqua Finance claiming I owed a balance of {$11.00}. Each time I contacted them, I was told that I did not owe anything and that they would correct the error and notify the credit reporting agencies. Despite these assurances, they have not taken any action to resolve the issue, and instead, they reported a delinquent account with a {$0.00} balance, which has caused my credit score to drop by XXXX pointsfrom " Excellent '' to " Good. '' Their continued inaction, despite repeated phone calls and promises to correct the report, is actively harming my credit score and may result in significant financial consequences, such as higher interest rates or difficulty securing credit. Aqua Finances conduct appears to be in violation of the Fair Credit Reporting Act ( FCRA ) and constitutes not only inaccurate reporting, but also a failure to correct a known error after being notified multiple times.

I respectfully request that the FTC investigate Aqua Finance for : - Inaccurate and misleading credit reporting ; - Failure to take corrective action after being repeatedly notified ; - Harassing communications about a non-existent debt.

I urge the Commission to take appropriate action to ensure Aqua Finance corrects this issue immediately and prevents further harm to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: KY

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/year>, without prior notification, Truist Bank closed my checking account due to s supposed fraud. XXXX XXXXXXXX, the back where the check from my client banks, has sent at least two emails stating that the Hold Harmless letter does NOT apply to the check written to me and Truist should not hold my monies. Truist has wrongfully closed my account, taken money from the account and alerted the XXXX all in error. Despite many many calls from the XXXX XXXX customer and emails, Truist will not correct their error. XXXX XXXX, VP with XXXX XXXXXXXX XXXX XXXXXXXX XXXX has tried to help. His contact information is XXXX regarding Case number XXXX. XXXX XXXX at XXXX of Truist Bank states that she is the highest level employee handling this claim and she will not do anything unless and until XXXX XXXXXXXX sends them {$1000.00}, which XXXX XXXX states does not have to happen.

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 2025-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
In 2025. I called company to provide me with original agreement on this account and they didn't.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX is reporting a charge off and also a open account delinquent on my credit reporting

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 2025-04-02 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: IL

Complaint narrative:
XXXX is reporting a charge off and also a open account delinquent on my credit reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: PA

Complaint narrative:
I have previously disputed with XXXX, XXXX and Equifax regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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 15 USC 1681. 

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 2025-04-02 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-02 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I SOLD A PROPERTY HELD IN MY BUSINESS AND THE LEGACY TITLE OF OK SENT MY PROCEEDS VIA WIRE TO WELLS FARGO BACK WITH MY BUSINESS BANK ACCOUNT # BUT LISTED THE XXXX AS WELLS FARGO. WELLS FARGO THEN 2 DAYS LATER PLACED A FREEZE ON MY BANK ACCOUNT. I HAD NO WAY OF KNOWING ALL THIS WAS GOING ON IN THE BACK GROUND. IN THE MEAN TIME WELLS FARGO WAS THREATENING TO CLOSE MY ACCOUNT IF I DIDN'T GET THE PROBLEM RESOLVED AND I ASK THEN WHAT I NEEDED TO DO AND THEY TOLD ME THE TITLE COMPANY NEEDED TO CORRECT THE BENEFICIARY THUR THE WIRE DEPT IN WHICH LEGACY TITLE DID THAT TWICE CHANGING TO XXXX NAME TO XXXX XXXX XXXX, XXXX TO MATCH MY CHECKING ACCOUNT. WELLS FARGO IGNORED 2 DIFFERENT WIRE CORRECT REQUEST! THEN ON THE XXXX I WAS THEN TOLD THE TITLE COMPANY NEEDED TO SEND A FAX ON THEIR LETTER HEAD CORRECTING THE XXXX. THE XXXX XXXX DID THIS AND I CALLED XXXX ON FRIDAY AND WAS XXXX THEY RECEIVED IT BUT IT WOULD TAKE XXXX TO PROCESS AND TO CALL BACK ON XX/XX/XXXX. I DID AND THEY INFORMED ME THAT THEY DECIDED TO CLOSE ME ACCOUNT AND WOULD RELEASE THE FUNDS VIA WIRE BACK TO THE TITLE COMPANY BY XX/XX/XXXX. ON XX/XX/XXXX I CALLED XXXX AGAIN AND THEY THEN INFORMED ME THAT THEY WILL NOW NEED UNTIL XX/XX/XXXX. THIS IS CRIMAINAL!!!!!! THEY HAVE SINGLE-HANDEDLY SHUT DOWN MY ABILITY TO RUN MY BUSINESS AND P-AY MY BILLS! THEY HAVE STOLEN/CONFISCATED MY FUNDS!!!!! I NEED YOUR HELP TO STOP THIS THIEVIRY FROM CONTINUING!

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 2025-04-02 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: FL

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is ( XXXX ), filed on ( XX/XX/XXXX ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : XXXX XXXX : XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request XXXX request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.

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 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am filing this formal complaint against XXXX XXXX XXXX XXXX regarding their inaccurate reporting of my account. The account is currently listed as " In Collections/Charge Off '' when it should correctly reflect " Paid as Agreed. '' On XX/XX/year>, I submitted a 1099-A ( Acquisition or Abandonment of Secured Property ) on behalf of this account, which was accepted by the Internal Revenue Service ( IRS ). This acceptance confirms that the debt obligation has been fulfilled. Per IRS guidelines, once a creditor accepts a 1099-A, the debt is considered settled. Additionally, under the Uniform Commercial Code ( UCC ) and federal law, the following provisions support my claim : UCC 3-603 Tender of Payment : When full payment is offered and accepted, the obligation is discharged. 

UCC 1-201 ( 24 ) Defines " Money '' as a medium of exchange authorized by a government.

UCC 9-210 Obligation to provide a statement of account and correct inaccuracies upon debtor 's request.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) The Fair Credit Reporting Act ( FCRA ) mandates that furnishers of credit information must ensure accuracy and correct any errors in reporting. 

IRS Publication 525 Recognizes that acceptance of a 1099-A implies the debt has been assumed or settled. 

Despite my attempts to have XXXX XXXX XXXX XXXX correct this reporting, they have failed to update the account status appropriately. I am requesting immediate correction of my account to reflect " Paid as Agreed '' and removal of any negative reporting associated with this account. 

As this matter directly affects my financial standing, I urge the CFPB to investigate and take appropriate enforcement action against XXXX XXXX XXXX XXXX to ensure compliance with federal and commercial laws. Please confirm receipt of this complaint and provide updates on the resolution process.

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 2025-04-02 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - XXXX Opened XX/XX/XXXX Account Name : XXXX # XXXX - XXXX Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account XXXX : XXXX # XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-04-02 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 am filing this complaint against Experian for their continued reporting of an alleged {$4900.00} debt that remains unvalidated and unverified, despite my repeated dispute efforts. The original debt collector failed to provide a signed contract, itemized account breakdown, or proof of chain of assignmentrequirements for proper debt validation under the Fair Debt Collection Practices Act ( FDCPA ) 809. 

I disputed this account with Experian in accordance with the Fair Credit Reporting Act ( FCRA ) 1681i ( a ) ( 1 ) ( A ), which mandates a reasonable investigation and the removal of any information that can not be verified. Despite this, Experian has failed to provide any evidence of a reinvestigation or remove the unverifiable account. This inaction constitutes a violation of FCRA 1681e ( b ), which requires consumer reporting agencies to ensure maximum possible accuracy of the information they report. 

This account is materially impacting my credit and financial opportunities. Experians refusal to remove unverifiable data is not only negligent but reflects a pattern of noncompliance. Notably, the CFPB previously fined Experian {$3.00} XXXX on XX/XX/year>, for deceptive credit score marketingshowing a history of disregard for consumer protection laws.

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 2025-04-02 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXXXX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion

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 2025-04-02 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: AL

Complaint narrative:
" I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. 

You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

"

Company response to consumer: Closed with non-monetary relief