vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-30 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: GA

Complaint narrative:
This letter is to dispute false and unauthorized accounts showing on my credit report. My information was reported without my permission, which violates XXXX U.S. CXXXX XXXXb ( XXXX ) of the FCRA. These accounts dont belong to me and could be related to identity theft, as described in XXXX U.S. CXXXX XXXX. I am asking for a full investigation and correction of these mistakes.

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 2025-04-30 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 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 XXXX USC XXXX 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 ( XXXX U.S. CXXXX  XXXX ) 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 2025-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
In descending order from XXXX XXXX XXXX XXXX XXXX XXXX and approx the last week of XXXXXXXX XXXXXXXX Wells Fargo bank repeatedly misappropriated government issued ( and other ) direct deposits to my account, by taking a positive direct deposit, and applying the deposit directly into a negative overdrawn account status, I submitted court documents, asking for both my checking and saving account history, I asked under legal disclosure, to see if there were any other misconduct to my account ( account number XXXX, now closed ) Wells Fargo only submitted my credit card statements dating back to XXXX, my checking and savings account information would have shown my commitment to paying not only Wells Fargo, but my other financial creditors, which all were impacted by Wells Fargo 's negligence, I lost 2 rideshare contracts ( both XXXX and XXXXXXXX XXXX XXXX  ) I had rental equipment repossessed, and other services terminated, with substantial fees applied. Wells Fargo failed to correct it's fiduciary contract agreement, which led to a breech of contract on Wells Fargo behalf, Wells Fargo repeatedly charged me overdraft fees, and defamed my consumer credit character by submitting negative reports to consumer credit reporting agencies, as stated in litigation credit scores affect ( employment, housing and social standings ), my case XXXX XXXXXXXX, is in adjournment, the date to resume has not yet been established. I would also ask if the CFPB, are able to act as arbitraries, or if possible recommend one to monitor further proceedings. If the CFPB needs any further information my phone number is XXXX or by email XXXX. Thank you very much, 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 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: CT

Complaint narrative:
The details of my dispute are as follows : Docket Number : XXXX Date Filed : XX/XX/year> Court : XXXX XXXX CT XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: CA

Complaint narrative:
I am formally disputing the following negative items on my credit report. 
Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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 writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company 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 2025-04-30 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: GREENSTATE CREDIT UNION
State: IL

Complaint narrative:
Reappears on my credit report this is identity theft not my act

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: CA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: TRUIST FINANCIAL CORPORATION
State: MA

Complaint narrative:
My husband, XXXX XXXX and I, XXXX XXXX, applied for a XXXX interest XXXX payment loan for a twelve-month term with Service Finance. The original term that was given when I applied individually was for XXXX months which I rejected and never signed the documents. I was told that this ten-month loan ( account # XXXX ) was cancelled. Today, XX/XX/year>, I received a disturbing email stating that this loan is still active, and I am getting sent documents regarding this loan. I called to speak with XXXX XXXX ( the author of the emails ), but she refused to talk to me. I spoke with customer service, and they confirmed that loan # XXXX has been cancelled yet XXXX emailed me again thanking me for updating my mailing address ( which I have called the company twice now to get it updated ) and said that she would be sending me those documents, stating that the rejected loan offer was still active. Please see my attached email correspondence. Please note as well that -even though this loan should be cancelled- the subject line of the original email has the full loan number. XXXX did not even send this through secure mail!

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 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2025-04-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
OnXX/XX/XXXX XXXX XXXX  instructed his team of Department of Government Efficiency ( DOGE ) to gain access to multiple internal systems within the Department of Education, including financial aid dataset that contains the personal information of millions of students enrolled in the federal student aid program. My information was among that dataset that has been compromised.

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 2025-04-30 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: IL

Complaint narrative:
This letter serves as my final attempt to resolve this matter amicably before initiating legal action. 

Equifax has repeatedly and willfully violated the Fair Credit Reporting Act ( FCRA ), specifically XXXX U.S.C. XXXX and XXXXi, through your mishandling of identity theft disputes, reinvestigations, and unauthorized alterations to my credit file. 

Despite submitting a valid FTC Identity Theft Report ( Report # XXXX and # XXXX ) and a police report filed with the XXXX Police Department, you have failed to permanently block a known fraudulent account : XXXX XXXX Acct : XXXX This account was previously removed following investigation, yet you unlawfully reinserted it twice, on XX/XX/XXXX and again on XX/XX/XXXX, in violation of : 1. FCRA XXXX ( a ) ( 5 ) ( B ) ( i ) You failed to provide written notice within five ( 5 ) business days of reinsertion. 
2. FCRA XXXXi ( a ) ( 5 ) ( B ) ( ii ) You reinserted the account without receiving a certification of accuracy from the furnisher. 

I was not notified of these reinsertions. I discovered them solely through third-party credit monitoring not by proper notice from Equifax. This is a direct violation of federal law. 

Additionally, Equifax applied the following to my credit profile without my request, consent, or legal basis : Report Blocked for Promotional Purposes Fraud Victim ( Associated with Trade ) alert This unauthorized manipulation further compromises the integrity of my credit profile. 

If this matter is not resolved within 7 business days, I will proceed with legal action to pursue all available remedies under the FCRA, including statutory damages, actual damages, punitive damages, and attorneys fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: MO

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-04-30 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: PA

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 explanation
Consumer complaint received 2025-04-30 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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: AL

Complaint narrative:
Sent a request and asked for a letter, but they still havent sent the information I requested

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: GA

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 XXXX USC XXXX 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 ( XXXX U.S. CXXXX  XXXX ) 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 explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: MORGAN STANLEY & CO. LLC
State: TX

Complaint narrative:
I have a freeze on my ssn with all three major credit bureaus. I recently received checks and a debit card for an account with E * trade Morgan Stanley that I did not request. I called the customer service number on XX/XX/year>. The man I spoke with told me they had been having trouble with this same type of issue with other people. He assured me that he reported it to his supervisor and that the account would be closed. He was not able to provide me with any of the information I requested about how this happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/XXXX, I downloaded an app for a remote access XXXX for vehicles. To use the app, consumers have to purchase a subscription that guarantees compatibility with all vehicles. However, upon purchase the app gave an error message and noted that my vehicle was incompatible thus the app and subscription can not be used. Within 10 minutes of purchase I cancelled the subscription, requested a refund, and deleted the app. On XX/XX/XXXX, XXXX charged my credit card via PayPal {$39.00} for this cancelled service. I contacted XXXX, provided all my documentation about the functionality issue, and was told I would receive a refund. The next day I received an email from XXXX that my request for refund was denied. I appealed and within 30 minutes received another denial as a final decision. I disputed this charge through PayPal and provided the information required. After several weeks, PayPal sent a denial based on the erroneous claim by XXXX that the app and subscription work. It does not and I resubmitted proof that the service failed for my vehicle. I filed a dispute with my bank. Based on some predetermined four point process, the request for dispute was denied. If you review the app reviews, there are hundreds of complaints in regards to this very same situation where American consumers are being duped into purchasing a nonfunctional service and not given a refund. XXXX and this developer XXXX is operating in and abusing this predetermined point process to scam American consumers out of money and it is reprehensible and needs to be investigated. They are fully aware that the app is not compatible with most vehicles and they continue to sell this to unsuspecting victims. I want my money back and this app removed from the XXXX store to protect American consumers. I have reported this to the FTC ( XXXX ) and the Florida Department of Agriculture and Consumer Services ( XXXX ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-30 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 have not supplied proof under the doctrine of estoppel by silence, XXXX 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 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX 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 non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: IN

Complaint narrative:
Im sending this letter to dispute wrong and unauthorized information on my credit file. My info was shared without my permission, violating FCRA rules under 15 U.S. Code 1681b ( 2 ), and there are accounts listed that Ive never used. This might be identity theft under 15 U.S. Code 1681c-2. Im asking for these mistakes to be corrected quickly.

Company response to consumer: Closed with explanation