vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Starting in 2020 I was a victim of severe identity theft. My information was sold on the dark web and my life became a living nightmare. The offenders opened tons of accounts in my names, destroyed my credit. Recently I have begun to put my life back together. When I contacted Wells Fargo about one of the fraudulent accounts they responded with we found it to be you according to logins. There are active police investigations into this case at a local and state level due to the extent of damage done to my life. Its so disturbing that Wells Fargo and others would allow a victim to be victimized again. I have had this same issue with Wells Fargo, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Its shameful this is the practice of business to report on credit reports the FALSE reports of identity theft victims.

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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Ive been through XXXX XXXX and while I was being exploited, my personal and financial details were misused without my permission. This led to fraudulent accounts and debts being created in my name. Id appreciate it if you could look over my credit report considering this background and help fix any mistakes or fraudulent actions that have taken place. Ive included documents from the appropriate authorities and organizations that can confirm my situation.

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 card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Ive been a Capital One customer for over XXXX years, with a credit line of approximately {$170000.00} and additional personal and savings accounts. 

While traveling in Florida, my credit card information was compromised and used fraudulently. I immediately contacted Capital One and worked with their fraud department to dispute and prevent the charges. I was told that new cards would be issued and everything was resolved. 

However, I recently followed up only to learn without warning or explanation that my accounts had been suspended entirely. This was extremely distressing, as I am the victim of criminal fraud and have done nothing wrong. I received no formal notice of closure or due process, despite being a long-time, responsible customer. 

I am requesting assistance from the CFPB in getting : A formal explanation of why my accounts were suspended, A full review of my case by Capital One, and Reinstatement of my accounts or proper resolution. 

I feel that I am being punished for being the target of fraud, and Capital Ones lack of communication and transparency has been deeply concerning.

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

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: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TekCollect Inc.
State: MN

Complaint narrative:
I want to bring to your attention the cessation of essential services that were promised as part of my treatment plan with XXXX XXXX XXXX. These services include services such as customer support, access to the XXXX XXXX XXXX app, aligner replacements, Smile Guarantee etc., which are no longer available due to the company 's shutdown. 
Under these circumstances, it appears that the terms of our agreement have been fundamentally altered, as the services for which I am making payments are no longer being provided. This raises serious concerns about the continuation of payments under these changed conditions. 
I hereby request an immediate review of my account and suspension of future payments until a fair resolution is reached. It is crucial to reassess our financial obligations considering the current inability of XXXX XXXX XXXX to fulfill its contractual promises. 
This situation not only affects me but also impacts numerous other customers in similar circumstances. We believe that a collective review of this situation is necessary to address the concerns of all affected customers fairly and equitably. 
I look forward to your prompt response and resolution of this matter. Please do not hesitate to contact me should you require further information or clarification. 

Also, I have never provided my social security number to smile direct and I would like to know how Tek collect was able to obtain it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: CA

Complaint narrative:
XXXX XXXX account XXXX I am unaware of this dept and did not have the opportunity to dispute this account. If you believe you sent proper notification please provide certificate mail with receipt displaying my signature. If not please delete this account XXXX as soon as possible from my report or I will have to take legal action.

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 — Deposits and withdrawals
Company: U.S. BANCORP
State: NC

Complaint narrative:
US BANK froze my checking account with {$16000.00} in it on XX/XX/year> without notice. I assume this is due to a recent fraud claim on the account. I contacted their customer support, Ive spoken to managers, went to the bank in person and they still refuse to release MY FUNDS to me and I have bills and children that depend on this. Im now in a bad spot to where I can not pay my rent, or any of my utilities and car payment. They refuse to allow me to even transfer the money to my other bank account, or withdrawal the money in person. They also stated that once they do finally release the funds ( whenever that is ) they will send in the mail 10-15 days thereafter via a paper check. This is going against all of my requests and how my money is being handled. I simply want to go to the bank in person and secure MY FUNDS asap. What US Bank has done, is practically illegal.

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: EQUIFAX, INC.
State: NC

Complaint narrative:
ACCORDING TO 15 USC XXXXI - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE XXXX DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX. 




XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C XXXX section XXXX A. States I have the right to privacy. 

15 U.S.C XXXX section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish any account without my written instructions 15 U.S.C XXXXc. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I had several unrecognized inquires on my credit report. I called Experian and they said they were attached to my XXXX XXXX XXXX XXXX loan inquiry. The rep then told me I had to get a letter from XXXX stating they do no shop my credit report to other lenders to consider auto financing. So, I contacted XXXX XXXX XXXX and got their privacy report which states they do not sending any credit or financial information to other lenders, and I included my loan information as well. I also included supporting documents of other institution that stated my information was compromised. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - This is the inquiry they said these other inquires were attached to XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - These are the inquires I didn't authorize and I don't recognize. 
XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: Sezzle Inc.
State: IN

Complaint narrative:
Sezzle Account # XXXX * * * * I am unaware of this debt, this debt was paid off the information is incorrect on all 3 credit bureaus. Account number information is wrong and the account has been paid off since XXXX. If you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying with my signature. If not, please delete account number XXXX * * * * from my credit report as soon as possible or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: EQUIFAX, INC.
State: TX

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 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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

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 — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked immediately. Enclosed is a copy of my Police Report and FTC Identity Theft Report ( FTC Report Number : XXXX ) to support my identity theft claim.

Under 15 U.S.C. 1681c-2, once a consumer submits an identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within XXXX ( XXXX ) business days. 
The following information on my credit report is the result of identity theft and should be blocked : XXXX Accounts to Be Removed : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent Inquiries to Be Removed : XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX As required by law, this fraudulent information should be blocked for at least XXXX year, after which I may request an extension of the block. During this time, you may not report this information on my credit file or indicate that my report contains any fraudulent data. 
I have contacted the, Equifax on several occasions to report these fraudulent accounts, yet I have not received any resolution. This situation is seriously affecting my ability to qualify for a new home for my children. These same accounts were deleted and not verified by other credit bureaus, which raises serious questions about their legitimacy. 
I have also requested verification and contract documentation from the companies reporting these accounts, and more than 60 days have passed without any response. Therefore, I am requesting immediate action. 
Enclosed is my FTC Identity Theft Report. I respectfully request that you make a fair and just decision regarding my situation. 
Sincerely, XXXX XXXX

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 — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked immediately. Enclosed is a copy of my Police Report and FTC Identity Theft Report ( FTC Report Number : XXXX ) to support my identity theft claim.

Under 15 U.S.C. 1681c-2, once a consumer submits an identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within XXXX ( XXXX ) business days. 
The following information on my credit report is the result of identity theft and should be blocked : XXXX Accounts to Be Removed : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent Inquiries to Be Removed : XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX As required by law, this fraudulent information should be blocked for at least XXXX year, after which I may request an extension of the block. During this time, you may not report this information on my credit file or indicate that my report contains any fraudulent data. 
I have contacted the, Equifax on several occasions to report these fraudulent accounts, yet I have not received any resolution. This situation is seriously affecting my ability to qualify for a new home for my children. These same accounts were deleted and not verified by other credit bureaus, which raises serious questions about their legitimacy. 
I have also requested verification and contract documentation from the companies reporting these accounts, and more than 60 days have passed without any response. Therefore, I am requesting immediate action. 
Enclosed is my FTC Identity Theft Report. I respectfully request that you make a fair and just decision regarding my situation. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: UPGRADE, INC.
State: IN

Complaint narrative:
b'The company Upgrade fraudulently used and debited my checking account to put through an unauthorized ACH debit payment 0n 4/29/25. Upon calling Upgrade on 4/29/25, I believe false statements were made to me indicating I gave them authorization to debit my account, however I know I did not do that. Because they had my account information from prior payments made to them, they took it upon themselves to put through an unauthorized debit on my account without authorization, notification or written notice.\n\nUpgrade Contact InformationXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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