vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within XXXX business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal XXXX T XXXX - Incorrect Personal 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 non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: MA

Complaint narrative:
I received a collection letter today, XXXX XXXXXX/XX/XXXX regarding a debt owed to XXXX in the amount of {$1600.00}. Services owed as of XX/XX/XXXX. The following details were given to me by the debt collection agency : Service address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Associated phone number : XXXX XXXX XXXX XXXX Associated email : XXXX XXXX start date : XX/XX/XXXX Service end date : XX/XX/XXXX These are unrecognized telecom services. The collection agency contacted me about services I never heard about or registered for. 

Collection Agency : Radius Global Solution, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN 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 2025-03-31 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: MS

Complaint narrative:
Last week I contacted Experian regarding false/fraudulent information on my credit report. I have never had an account with XXXX. The representative told me that I needed to submit my drivers license to Experian. Somehow this proves that Ive never had an account with XXXX?! Its biased and ridiculous! With everything going on in this country, XXXX, theres no telling how this information ended up on my credit report. Its not like XXXX is secure and trusted. All of our information is under attack. None of our information is safe. I have never had an account with XXXX and it must 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 explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
Subject : Formal Dispute of Inaccurate Charge-Off Reporting To Whom It May Concern, This letter serves as a formal complaint regarding the completely inaccurate and misleading reporting of a charge-off on my credit report. This incorrect information is XXXX damaging my financial well-being, preventing me from obtaining credit, and negatively impacting my ability to secure important financial opportunities.

Enclosed with this letter are the details of the disputed account, along with my personal information to verify my identity and expedite this process.

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, you are required to conduct a full investigation into the accuracy of the reported charge-off. I formally request : Proof of the Validity of the Charge-Off Please provide detailed records, including the original creditors statements, transaction history, and the official charge-off notification. 

Proof of IRS XXXX Filing If this charge-off is legitimate, the creditor should have issued me a XXXX form for tax reporting purposes. Since I have never received this document, I request proof of its issuance. If the form was never issued, this charge-off may have been incorrectly reported and must be removed immediately.

Correction or Deletion If you can not verify this charge-off with proper documentation, then per FCRA 1681i ( a ) ( 5 ), this negative item must be updated to reflect " Paid as Agreed '' or permanently deleted from my credit report. 

Additionally, under FCRA 1681i ( a ) ( XXXX ) ( A ), I request a response within 15 days of your investigation 's completion, as required by law. 

This is a very serious matter affecting my ability to purchase a home, obtain a vehicle, secure a business loan, or even access essential financial resources. While this may seem like a minor reporting issue to you, it has significant consequences for my financial future. I urge you to address this dispute immediately and correct the inaccurate information without delay. 

I appreciate your prompt attention to this matter and look forward to receiving confirmation of the correction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: NV

Complaint narrative:
ON XX/XX/XXXX SENT OUT DISPUTE LETTER TO DISPUTE SEVERAL ENTRIES ON MY CREDIT REPORT UNDER THE FAIR CREDIT REPORTING ACT ( FCRA ) THEN AGAIN ON XX/XX/XXXX. MOST RECENTLY XX/XX/XXXX TO TRANSUNION WITH TRACKING NUMBER XXXX. AS THE CERTIFICATED SECURITY HOLDER OF MY ESTATE I DEMANDED AN IMMEDIATE INVESTIGATION AND CORRECTION UPDATE DELETE ACCOUNTS AND TO DELETED ALL NEW, OLD INQUIRES. 
REASON FOR DISPUTE ACCOUNTS IS UNSUPPORTED BY ANY ORIGINAL, SIGNED CONTRACTUAL AGREEMENT. WITHOUT THE ORIGINAL CERTIFICATED SECURITY THE ACCURACY OF THIS ENTRY CAN NOT BE ASSURED. 

INQUIRES DOESNT BELONG TO ME PLEASE DELETE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Submitting through the CFPB Durable Power of Attorney unto Wells Fargo on behalf of my mother. ATTN The CFO of Wells Fargo, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wells Fargo has continuously failed to act in her best interest, and has committed theft of her government assisted finances, promissory fraud, double entry booking fraud, and is in violation of its own policies and procedures regarding the FEDERAL RESERVE ACT, T.I.L.A. 42 U.S.Code 408 ( a ) ( 8 ) by obtaining my mother, XXXX XXXX XXXX 's social security number to open an account which is punishable under Title XXXX up to XXXX  years in prison, fines, and Restitution to victims enforced by The Commissioner of Social Security and representative payees, G.A.A.P, FEDERAL EQUAL CREDIT OPPORTUNITY ACT, The Emergency Bankruptcy Act and the list goes on Wells Fargo Banking Institution . Included in this complain I have attached a Signed and Notarized Power of Attorney Revoking WELLS FARGO 's and affiliates P.O.A. and appointing XXXX XXXX XXXX as her Power of Authority and I Am the Agent Acting on behalf of the Principal, XXXX XXXX and I am here to accept all principles, titles, rights, and interests that is owed to the principal, 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 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally request the removal of an outdated and inaccurately reported account from my credit report. The account in question, reported by XXXX, should no longer appear on my credit file under the Fair Credit Reporting Act ( FCRA ). Below are the details : Creditor Name : XXXX  Account Number : XXXX Account Type : Unsecured Loan Responsibility : Individual Date Opened : XX/XX/XXXX Status : Paid in Settlement Avant is currently reporting that my account was closed in XXXX when, in fact, it was settled and closed in XXXX, making it ineligible to be reported on my credit file. This discrepancy indicates that the account has remained on my report beyond the allowable reporting period. 

Additionally, as a courtesy to remediate a settlement issue caused by an isolated XXXX oversight in XX/XX/XXXX, XXXX acknowledged in prior Consumer Financial Protection Bureau ( CFPB ) complaints that they would update their records to reflect my account as settled in full as of XX/XX/XXXX. The relevant CFPB complaint IDs are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  received an indirect credit reporting dispute through e-OSCAR, where they determined that the credit bureaus erroneously listed my account as opened in XXXX instead of XXXX. After a thorough review, XXXX updated the account on XX/XX/XXXX, to reflect a settled status. However, despite this correction, the account is still being inaccurately reported, causing unnecessary harm to my credit profile. 

XXXX has confirmed that my account has not been re-aged, and per their records, it was settled in full in XX/XX/XXXX. Given that negative account information should not remain on a consumers credit report for more than XXXX years from the original delinquency date, this account should no longer be reported. 

I respectfully request that you remove this account from my credit file to reflect accurate and fair reporting. Please provide written confirmation once the correction has been made. If any additional information is needed, do not hesitate to contact me. 

Sincerely

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 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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, 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 2025-03-31 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, 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 explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank
State: CA

Complaint narrative:
This is a prepaid credit card account that I have not actively used for quite some time. In XX/XX/year>, First Progress reported a XXXX day late payment to the credit bureaus without ever sending a billing statement or notifying me. I later discovered they had assessed an unannounced annual fee against my prepaid deposit and added interest and penalties to my prepaid deposit, despite no recent activity or notification. I contacted them multiple times to notify them that my address was incorrect and to request account information, but I was never provided with a billing statement or account number. I was repeatedly told a supervisor would follow up, but no one did. I submitted a certified dispute letter and paid under protest. The late mark was initially removed, but it was later re-reported without explanation. I believe this conduct is deceptive, harmful, and in violation of the Fair Credit Reporting Act ( FCRA ), and I have suffered financial and reputational harm as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: WA

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX, TransUnion and XXXX are governed by USC 1681. They have violated my rights numerous times. I demand the inquires/accounts below be removed immediately :

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 2025-03-31 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: AL

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

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 2025-03-31 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: NY

Complaint narrative:
Despite my numerous dispute letters, you continue to insist that the information on my credit report has been verified, yet you have failed to provide any proof of the verification methods used. This ongoing issue is both frustrating and a clear violation of your regulatory obligations under the FCRA. 

I stand by my belief that this account is definitively invalid, as it is not even being reported by Experian. This discrepancy further proves that the information is inaccurate and unverified, warranting its immediate removal.

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 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
School first continues to report a balance and the account has been closed I personally went to the branch and closed accounts and credit card, they continue to increase balance and report a balance that is not accurate.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: SC

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX BANK XXXX XXXX {$450.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$20.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$5600.00} Open Date XX/XX/XXXX SEXXXX XXXX Balance {$440.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$1300.00} Open Date XX/XX/XXXX XXXX & XXXX XXXX {$730.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$640.00} Open Date XXXX XXXX, XXXX XXXX XXXX XXXX Balance {$460.00} Open Date XX/XX/XXXX XXXX XXXX XXXX  Balance {$400.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$190.00} Open Date XX/XX/XXXX inquiries XXXX XXXXXXXX XXXX Date XX/XX/XXXX XXXX XXXX BANK XXXX XXXX XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief