vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I, XXXX XXXX XXXX, XXXX on behalf of XXXX XXXX assert that my credit report across all three credit Bureaus is incorrect and Fraudulent. As per House XXXX XXXX XXXX XXXX All debts are obligations of the United States and have been settled. Debts in my name and any variation of my name have been paid in full. XXXX, any negative inquiries in my credit report should be removed and shouldn't be impacting my credit score. Any bank or banking institutions claiming that they have " lent '' or have the power to lend any credit to me upon requiring me to provide my social security number is seen as fraud. As per 15 U.S.C. 1602, I am the sole creditor and my signature is what produces the credit along with my social security number under 15 U.S.C. 1602 ( I ). My social security number is a form of credit, therefore any person who has access or use of my credit without providing any benefit to the card holder is unauthorized use as per 15 U.S.C. 1602 ( P ). Whereas banks who have access to my social security number upon requiring it for a loan and deny me credit is seen as fraud and an act of dishonor. Under 12 CFR 202.9 denying me credit for a bad credit score is an insufficient reason to deny me. I can not be denied credit as I am the one that is extending credit to myself through the use of my social security number. Furthermore I do not recognize any of the inquiries in my credit report in all XXXX credit Bureaus and consider it 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 2025-04-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Self Financial Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Subject : Enforcement of Credit Builder Agreement Dear Self Financial , Inc., I am writing to formally enforce the terms of my original Credit Builder agreement with Self Financial , Inc. I have thoroughly reviewed the agreement and identified my rights regarding the settlement of my balance. Based on my findings and contractual obligations, I am asserting my position to hold Self Financial accountable to the original agreement and request a full resolution of my balance in accordance with the outlined terms.

Per my agreement, I have taken the following actions to ensure compliance and proper documentation : 1. Agreement Review & Enforcement I have reviewed the contract terms in detail and have confirmed that all obligations on my part have been met.

2. Promissory Note & Trust Filing I have prepared and assigned a promissory note to my trust in alignment with my financial structure.

3. Power of Attorney & Security Interest Removal I have executed the necessary documentation to remove any security interest from Self Financial , Inc. and assign it appropriately.

As a consumer committed to financial responsibility and legal compliance, I expect Self Financial , Inc. to honor the original agreement in good faith. I request a prompt resolution to my balance of {$490.00} and a formal acknowledgment that this matter has been settled in full.

Failure to comply with this request may result in further legal action to enforce my rights under the agreement. Please provide written confirmation of the balance resolution within 10 business days from the date of this letter. 
For any inquiries or correspondence regarding this matter, I can be reached at XXXX or XXXX. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/year> my XXXX XXXX and XXXX were stolen from me. I would later see transfers to the thief and other people I did not know through my Cash App these transfers included XXXX {$500.00} transactions and XXXX transaction of {$630.00}. this included having {$1000.00} transfered through my XXXX XXXX XXXXXXXX account to cash app that they used for XXXX of the {$500.00} transactions I would send in a dispute for the transaction. They investigated the situation and deemed that since my phone was used a verified device that my claim was denied. The thief saw my passcode and changed my password. it was even recorded on Cash App that my account logged in from a different location during the time and previous transactions were cancelled due to them believing it was possible fraud. 

i supplied a police report and was still denied after i appealed and would also have my cash app account closed due to them stating I violated their terms of service though I was the one that was the victim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-04-17 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Dear CFPB, I am writing to formally rebut Experians response to my original complaint. Their response fails to address or resolve the serious violations of the Fair Credit Reporting Act ( FCRA ) and enables ongoing inaccurate and damaging reporting by XXXX XXXX XXXX. The dispute involves account number XXXX, a repossessed auto loan that continues to report false data on my Experian credit report. 

Summary of Experians Violations : XXXX. Failure to Conduct a Reasonable Reinvestigation Experian did not conduct a proper investigation under 15 U.S.C. 1681i ( a ). Instead, they simply parroted information from the furnisher ( Credit Acceptance ) without verifying any of the following requested documents : Promissory note or signed contract Notice of sale Deficiency balance statement XXXX form Chain of assignment XXXX. Ongoing Reporting of False and Legally Deficient Information Experian continues to allow Credit Acceptance to : Report past-due balances and late payments on an account that was closed and repossessed in XX/XX/year> Increase the balance on a closed account Fail to provide notice of sale or deficiency Report a payment made in XXXX XXXX the repossession ( which is impossible and false ) XXXX. Failure to Delete Inaccurate Information After No Verification Was Provided Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), Experian was required to delete the disputed information if the furnisher did not verify the dispute with proper documentation. They failed to do so. 



I am requesting that the CFPB : Reopen and escalate this complaint Require Experian to provide actual documentation used in verification Compel deletion of the inaccurate information if verification can not be properly supported Investigate Experian for violating multiple FCRA provisions, and enforce penalties for noncompliance I am also preparing legal action under 15 U.S.C. 1681n and 1681o for statutory and actual damages. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block - 15 USC 1681i ( 5 ) - 15 USC 1681i ( a ) 1 - 15 USC 1681i ( a ) 6 ( B ) 3 - 15 USC 1681i ( a ) ( 5 ) B - 15 USC 1692A - 15 USC 1692A-3 - 15 USC 1692A5 ACCOUNTS : XXXX XXXX XXXX XXXX XXXX  Important dates : Original filing date XX/XX/XXXX Latest status date : XX/XX/XXXX Additional details : Reference number : - XXXX Record type Bankruptcy 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 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 XXXX5 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 Any other adverse item of information, other than Records of convictions of crimes which antedates the report by more than seven years.

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 in accurate.

15 USC 1681i ( 5 ) 15 USC 1681i ( a ) 1 15 USC 1681i ( a ) 6 ( B ) 3 15 USC 1681i ( a ) ( 5 ) B 15 U.S.C 1666 B 15 USC 1692A 15 USC 1692A-3 15 USC 1692A5 15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2 15 USC 1681 BA2 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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:
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. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: TX

Complaint narrative:
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. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-04-17 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: EQUIFAX, INC.
State: LA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SANTANDER HOLDINGS USA, INC.
State: NC

Complaint narrative:
They called and I told them I was NOT going to pay. They preceded to contact me via phone and text. Under 15 USC 1692c ( c ) this a violation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: CA

Complaint narrative:
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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XX/XX/year>, I received XXXX packages from XXXX different online clothing retailers : XXXX XXXX ( {$79.00} ) and XXXX ( {$110.00} ). After receiving the items and finding them unsatisfactory, I attempted to return them following the instructions provided by both merchants, which stated to email them to initiate a return. 

I emailed both companies shortly after receiving the itemswell within the return windowand attached screenshots showing their return policies. I received no response. I followed up with additional emails over the next several weeks but never heard back from either company. I was never provided with return labels or instructions on how to complete the return. 

Since both companies failed to respond, I contacted Wells Fargo and filed disputes for both transactions. I submitted all the relevant documentation, including the merchants ' return instructions, the emails I sent, and a timeline of my communication attempts. However, Wells Fargo denied both disputes, stating there was no unauthorized charge or billing error. 

I am disputing these charges not because they were unauthorized at the time of purchase, but because the merchants failed to honor their return policies or complete the transaction in good faith. I am now left with unwanted items and no way to return them. I am requesting assistance to have these charges reversed due to the merchants unresponsiveness and failure to fulfill their stated return 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 explanation
Consumer complaint received 2025-04-17 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: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) PLEASE REMOVE THESE FILES A.S.A.P I HAVE NOTIFIED THE COURTS AND THEY SAID THEY NEVER RELEASED ANY INFORMATION FOR NO BANKRUPTCY AND ITS INACCURATE.. 
XXXX ALSO SAID THE SAME THING..

ALSO AT THIS TIME IM ASKING THAT ALL FILES BE REMOVED FROM MY CREDIT REPORTS ALL MY ACCOUNTS ARE PAID AND IN GOOD STANDARDS. 

ACCOUNT : XXXX XXXX XXXX XXXX XXXX Important dates : Original filing date XX/XX/year> Latest status date : XX/XX/year> Additional details : Reference number : - XXXX Record type Bankruptcy XXXX XXXXdischarged Court XXXXXXXX XXXX XXXX XXXX XXXX ____________________________________________________________ 15 U.S. CODE 1681A 15 U.S. CODE 1681 B2 FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block 15 USC 1681i ( 5 ) 15 USC 1681i ( a ) 1 15 USC 1681i ( a ) 6 ( B ) 3 15 USC 1681i ( a ) ( 5 ) B 15 U.S.C 1666 B 15 USC 1692A 15 USC 1692A-3 15 USC 1692A5 15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681 ( 2 ) ( a ) ( i )

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 2025-04-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX XXXX XX/XX/year> Experian Dispute Department XXXX. XXXX XXXX XXXX, TX XXXX Subject : FORMAL DISPUTE & DEMAND FOR REMOVAL OF INACCURATE COLLECTION ACCOUNT Account in Dispute : Credence Resource Management To Whom It May Concern, I am writing to dispute the Credence Resource Management collection account listed on my credit report. This account was reported to have an open balance of {$390.00} as of XX/XX/year>, and appears on my credit file under the name Credence Resource Management. 
I dispute the accuracy of the information reported, and I am requesting immediate investigation, as well as removal of this account from my credit report. 
Legal Basis for Dispute 1. 15 U.S.C. 1681i Reinvestigation of Disputed Information Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have any disputed information reinvestigated. The account is inaccurately reported, and I demand that it be removed if the creditor can not validate its details.

2. 15 U.S.C. 1681e ( b ) Accuracy of Information Equifax is required to ensure that all information in my report is accurate and complete. This account can not be verified, and thus should be removed from my credit report.

3. 15 U.S.C. 1681s-2 Responsibilities of Furnishers Credence Resource Management has failed to provide the necessary validation for this collection account, including the original debt documentation.

4. 15 U.S.C. 1681c Information Exclusion According to the FCRA, inaccurate, outdated, or unverifiable information must be removed from the report. The lack of supporting details for this account justifies its removal.

Request for Immediate Action Immediate deletion of the Credence Resource Management collection account from my credit report. 

Written confirmation from Equifax that the account has been removed.

Compensation for Damages As a result of this inaccurate reporting, I have experienced significant financial and emotional harm, including : A lower credit score, which has impacted my ability to secure financing and loans. Time lost in attempting to resolve this issue and undue stress caused by the inaccurate reporting. I am requesting compensation for damages of {$5000.00} due to the inaccurate reporti
ng and violation of my rights under the FCRA, including 15 U.S.C. 1681n and 15 U.S.C. 1681o.

Final Notice This letter serves as final notice for resolution of this matter. If this issue is not resolved within 15 days, I will escalate this dispute to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and I will explore further legal action to seek compensation for the damages incurred. 
Please confirm the removal of this collection account from my credit report by sending written confirmation to the address above. 
Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief