vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America has been charging me a high interest rate of 23.4 % monthly on my credit card. I have already try to contact them ask if they could help me lower the interest rate because I am struggling paying off this credit card. They told me there is nothing they can do to help and that I just have to continue making these payments. They have not offered any solutions to my complaint and just dismiss my concerns. Please help me find a solution so that I can pay off my credit card. Thank you

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 2025-03-26 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: WA

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 2025-03-26 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: WA

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 non-monetary relief
Consumer complaint received 2025-03-26 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: NV

Complaint narrative:
I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX XX/XX/year> {$28000.00} These entries remain unverified and questionable. 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 2025-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MS

Complaint narrative:
From XX/XX/XXXX until XX/XX/XXXX my account was constantly hacked and I tried and tried to reach out to a representative but couldnt reach one. Ive lost lots of money dealing with Cash App! I would like All money reported to be returned back to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: NJ

Complaint narrative:
I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: MD

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: CL Holdings LLC
State: TX

Complaint narrative:
I am in receipt of my credit report, and I noticed an account claiming that I owe your company for a debt. The specific amount in question is Jefferson Capital Account # XXXX The following account is listed incorrectly on my credit report. Please verify the method of reporting and provide validation of this account or please remove it from my credit report. 
Please remove it from my credit report According to the Federal Fair Debt Collection Practices Act, I have the right to have the alleged debt validated by you. 
I have to date received no proof that I owe your company a debt and I am requesting that you forward to me full and proper documentation as evidence of this alleged debt. As per the FDCPA it is a violation for any debt collector to pursue collection activities on an account without notifying the debtor in writing within 5 days after any communication. Additionally, I am allowed 30 days to dispute the validity of the debt. If you are unable to provide me with the proper proof, then you must stop attempting to collect this alleged debt. 
If you continue to claim I owe a debt that you can not confirm with proof, then you will be in direct violation of the FDCPA. Additionally, any attempt on your part to report this alleged debt will being violation of the Fair Credit Reporting Act, Please forward your documentation to me upon request of this certified letter. Please note that proper documentation is not a printout or bill from you but rather actual proof of the debts existence which should include. 
-The name and address of the original creditor -A detailed account of the alleged debt, including the amount owed and the nature of the debt specifically the services provided. 
-Verification or a copy of any documents that demonstrate my agreement by pay this debt, specifically a contract bearing my signature. 
-Proof that your company is licensed to collect debts in my state -Proof that your company has been assigned the right to collect this debt on behalf of the original creditor including an agreement that states that I would be liable to pay someone other than the original creditor. 
Regarding the last point, it is essential for you to demonstrate that you have the legal authority to collect this debt on behalf of the original creditor. I must be assured that I have given my explicit consent to allow your agency to pursue collections related to this debt without the proper proof of assignment your collection efforts may be in violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: OK

Complaint narrative:
I am filing a formal complaint against XXXX, XXXX, XXXX, and TransUnion for continued reporting and collection of student loan debt that is now legally void following the executive order to abolish the U.S. Department of Education. 
Complaint Details : 1. Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education. 
2. Failure to Verify Legitimacy of Debt The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment. 
3. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ).

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 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I am filing a formal complaint against XXXX, Experian, XXXX, and XXXX for continued reporting and collection of student loan debt that is now legally void following the executive order to abolish the U.S. Department of Education. 
Complaint Details : 1. Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education. 
2. Failure to Verify Legitimacy of Debt The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment. 
3. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ).

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 2025-03-26 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: OK

Complaint narrative:
I am filing a formal complaint against XXXX, XXXX, Equifax, and XXXX for continued reporting and collection of student loan debt that is now legally void following the executive order to abolish the U.S. Department of Education. 
Complaint Details : 1. Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education. 
2. Failure to Verify Legitimacy of Debt The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment. 
3. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-03-26 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: NY

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
Please see the attached FTC report and remove this account from my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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:
My credit account on my credit report is still missing information. Data from XXXX is missing. This included the dollar amount for the final payment to complete the transaction history. The account was paid in full. I am not 60 days past due. This would be a incorrect misleading statement. Am I 60 days past due? According to payment history I was not 60 days past due. The bank or credit bureau has choose to highlight 60 days past due. I believe this is to hide the fact that they have over charged me fees. I noticed extra NSF and XXXX is stalling on providing validation id number or proof that the ACH charged return payment fees. This went unnoticed because every single NSF fee is paired with a ACH payment that was processed. XXXX is claiming that every single time a ACH payment was correctly processed that a payment. My bank has no records of a NSF payment and they did not charge any NSF fee.

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 2025-03-26 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 formally dispute and demand the immediate removal of unauthorized inquiries on my credit report. On XX/XX/XXXX and XX/XX/XXXX, my personal information was accessed and used without my knowledge or authorization. As a previous victim of identity theft, I have taken significant precautions to prevent further fraudulent activity, including placing a fraud alert on my credit profile. I initially called in immediately to Equifax and Transunion after being alerted by XXXX XXXX my personal information was being used and accessed without my knowledge, then reached out to Experian. Despite the fraud alert, which requires creditors to contact me and verify my identity before approving any credit inquiries, an unauthorized inquiry was made on my credit report. This constitutes a clear failure in protecting my credit profile and is wholly unacceptable.The fraudulent inquiries appearing on my report are as follows : - XXXX XXXX XXXX - XX/XX/XXXX -EXPERIAN - XXXX  XXXX - XX/XX/XXXX - EXPERIAN - XXXX  XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - EXPERIAN - XXXX  XXXX  XXXX  XXXX XX/XX/XXXX XXXXEQUIFAX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX EQUIFAX - XXXX  XXXX XXXX XXXX XXXXXX/XX/XXXX - EQUIFAX XXXX XXXX XXXX - XX/XX/XXXX XXXX EQUIFAX - XXXX ( Finance ) XXXX XX/XX/XXXX -TRANSUNION - SANTANDER ( Finance ) - XX/XX/XXXX - TRANSUNION - XXXX  ( Finance ) - XX/XX/XXXX - TRANSUNION - EXETER FIN ( Finance ) XXXX - TRANSUNION Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, I have the right to dispute and request the removal of fraudulent information from my credit report. Additionally, under 15 U.S.C. 1681b, credit inquiries require permissible purpose, and any unauthorized access to my credit report is a direct violation of federal law. Since I did not authorize these inquiries, they must be removed immediately in compliance with the FCRA.

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 2025-03-26 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:
I am writing to formally dispute and demand the immediate removal of unauthorized inquiries on my credit report. On XX/XX/XXXX and XX/XX/XXXX, my personal information was accessed and used without my knowledge or authorization. As a previous victim of identity theft, I have taken significant precautions to prevent further fraudulent activity, including placing a fraud alert on my credit profile. I initially called in immediately to Equifax and Transunion after being alerted by XXXX XXXX my personal information was being used and accessed without my knowledge, then reached out to Experian. Despite the fraud alert, which requires creditors to contact me and verify my identity before approving any credit inquiries, an unauthorized inquiry was made on my credit report. This constitutes a clear failure in protecting my credit profile and is wholly unacceptable.The fraudulent inquiries appearing on my report are as follows : - XXXX XXXX XXXX - XX/XX/XXXX -EXPERIAN - XXXX  XXXX - XX/XX/XXXX - EXPERIAN - XXXX  XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - EXPERIAN - XXXX  XXXX  XXXX  XXXX XX/XX/XXXX XXXXEQUIFAX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX EQUIFAX - XXXX  XXXX XXXX XXXX XXXXXX/XX/XXXX - EQUIFAX XXXX XXXX XXXX - XX/XX/XXXX XXXX EQUIFAX - XXXX ( Finance ) XXXX XX/XX/XXXX -TRANSUNION - SANTANDER ( Finance ) - XX/XX/XXXX - TRANSUNION - XXXX  ( Finance ) - XX/XX/XXXX - TRANSUNION - EXETER FIN ( Finance ) XXXX - TRANSUNION Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, I have the right to dispute and request the removal of fraudulent information from my credit report. Additionally, under 15 U.S.C. 1681b, credit inquiries require permissible purpose, and any unauthorized access to my credit report is a direct violation of federal law. Since I did not authorize these inquiries, they must be removed immediately in compliance with the FCRA.

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 2025-03-26 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, 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 2025-03-26 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, 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 non-monetary relief
Consumer complaint received 2025-03-26 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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