vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Texas Guaranteed
State: KY

Complaint narrative:
A caller identifying herself as Trellis Company called from XXXX. That asked if they were speaking with XXXX  ( no last name ) and gave a birth date. We asked them who they were and to state their business. T : They said that they are Trellis Company. XXXX : We notified them that they are calling a number on the Federal Do Not Call List. They said They are calling for XXXX  and birth date and asked if we are that person. We asked if they are an employment agency. They said you may look up Trellis Company online. They asked are we speaking with XXXX  and gave a birth date. We said " Do you accept all commercial liability and waive immunity from prosecution that comes with that answer. How did you get this number? We need to know so that we can turn it over to our security team for investigation. '' Caller said you can look us up online and then hung up. We looked up Trellis Company online and the website is misleading even fraudulent if the caller is related to Trellis Company. When we called the XXXX the recording said THIS IS A DEBT COLLECTOR. 

We are claiming wire fraud, unfair debt collection practices as we do not know Trellis, we have no contract with Trellis, and the Trellis Company website is fraudulent /misrepresentative if Trellis Company XXXX a Debt Collector but fails to prominently so state on their website. Further, the caller gave a XXXX and a birth date to an unknown answerer. IF the XXXX did not give out the birth date, then the caller violated privacy using wire inviolution of 18 US 1343 for which we make claim for {$1000.00} for wire fraud.

We believe that, if the call came from Trellis Company then Trellis needs to be cited for unfair debt collection practices for failure to send notice by mail, for making unauthorized call on a federal do not call list. This Notice to CFPB serves as PUBLIC NOTICE to TRELLIS COMPANY its Agents, Successors, Assigns, to CEASE AND DESIST, provide proof of contract with Trellis, provide proof of any authorization by the Estate Executor Office to access the NAME Estate as Trellis Company appears to be acting as Executor de sonTort unlawfully. For their use of wire and calling on a Federal Do not call list in what appears to be unfair debt collection, we request that CFPB immediately provide us with {$1000.00} from the victim 's fund. TRELLIS COMPANY is served **NOTICE that the NAME Estate Executor Office** is occupied and that the published Fee Schedule in XXXX XXXX XXXX XXXX to this matter and that their acceptance of the terms and conditions and fees is evidenced by any communication from Trellis, any attempt to collect a debt, any phone call, any email, with each offense incurring no less than {$5000.00} or more according to the published fee schedule.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: OK

Complaint narrative:
I am filing a formal complaint against Nelnet, XXXX, XXXX, and XXXX for continued reporting and collection of student loan debt that is now legally void following the XXXX order to abolish the XXXX XXXX XXXX XXXX 
Complaint Details : XXXX. Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the XXXX XXXX XXXX.

2. Failure to XXXX XXXX of XXXX 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 explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Validate this account BANK OF AMERICA Account Number : XXXX Delete at once

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - Date Opened XX/XX/XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX - XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian

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: IL

Complaint narrative:
Today I received a notification I lost XXXX points off my credit from equifax and XXXX off my credit report from transunion I just filed a complaint a couple weeks ago for the same thing happening to me they keep allowing inaccurate information to post to my credit report and do damage and look at the amount of damage Ive had the same phone number for XXXX  years anything attached to XXXX XXXX XXXX XXXX is fraud I also provided the police report to show that I am a victim of identity theft the report was filed XXXX XXXX and XXXX I also filed a complaint with the FTC and I also have a tax advocate due to this issue I have no recollection of an account with XXXX I have no ownership to a account with XXXX that is turned over to XXXX XXXX  please remove XXXX XXXX  FROM MY CREDIT REPORT AND REPLACE MY LOST POINTS

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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
XX/XX/year>, I called XXXX  XXXX  debt protection program and requested that the program cease charging my credit card, and I requested a refund of the monies paid to that program. I stated that I was unaware of the program and that I do not consent for it. I asked what criteria are used to refund a customer their money and I was told that I could not be given that information. However, a review of my account would be performed, and a decision would be made at a later date. I was informed that I would be notified of the decision by mail or email. I promised the representative that I would be filing a complaint because this a predatory practice and that I wanted my money back.

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 monetary relief
Consumer complaint received 2025-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: HOPE BANCORP, INC.
State: IL

Complaint narrative:
I applied for a Bank of Hope checking account on XX/XX/year> during their " XXXX '' checking account promotion. I filled out the application which gave me a pending application message after and that a representative would contact me in XXXX business days. No representative ever contacted me and whenever I check resume application, it always gave the same message of waiting XXXX business days. 

I tried calling multiple times but I was always told to wait or the call did not go through after being on hold. Now on the week of XX/XX/year>, the application is no longer active. A representative has never contacted 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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

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 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am disputing the inaccurate reporting of a medical collection account on my Experian credit report. The account in question is : Account # : XXXX - $ XXXX This account is not being reported by XXXX or XXXX, further proving its inaccuracy. Additionally, under updated credit reporting regulations, medical collections under {$500.00} are barred from being reported. Despite this, Experian continues to publish this account, which violates both industry standards and the Fair Credit Reporting Act ( FCRA ). 

Under 15 U.S.C. 1681g, I have the right to request full disclosure of any documentation used to verify this account. I am demanding that Experian provide copies of all records, contracts, or agreements relied upon in your verification process. A generic response stating that the account has been " verified '' is not sufficient. If Experian can not furnish valid documentation proving the accuracy of this account, then it must be deleted immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ) of the FCRA. 

Furthermore, the furnisher of this account has a known history of ignoring dispute requests, making it even more critical that Experian conducts an independent and thorough investigation. Continuing to report unverified and inaccurate information severely damages my creditworthiness and violates my rights as a consumer. 

I demand that this account be removed from my credit file

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am writing in reference to an account that has been charged off which appears on my credit report. I believe this account may qualify for cancellation of debt reporting under IRS guidelines, as it is my understanding that the debt was effectively canceled by your institution. However, I have not received a Form 1099-C to reflect this debt cancellation. According to IRS regulations, creditors are required to issue a Form 1099-C when they cancel a debt of {$600.00} or more. I request that you review the status of this account and verify whether this debt has been forgiven or otherwise settled in a manner that requires a 1099-C to be issued. If the debt has indeed been canceled, I respectfully request that you issue the appropriate 1099-C to me and update my account status to reflect that the debt is no longer owed. Furthermore, as the debt has been discharged and is no longer legally collectible, I request that the charge-off be removed from my credit report. Under the Fair Credit Reporting Act ( FCRA ), all information reported to the credit bureaus must be accurate. Since a 1099-C signals the cancellation of the debt, continuing to report the account as charged off or delinquent would be inaccurate and harmful to my creditworthiness. I ask that you promptly notify the credit reporting agencies to remove the charge-off and late payments from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, loans were taken out in my name through the Department of Education to attend the XXXX XXXX XXXX  XXXX. The loans were for XXXX, XXXX, and XXXX, and all these loans have incurred unpaid interest. I contacted XXXX, and the specialist assured me these loans are not reflected in their system, but they are on my credit file.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX  XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : DEPTEDXXXX XXXX - Date Opened XX/XX/XXXX Account Name : DEPTEDXXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : DEPTEDXXXX  XXXX - Date Opened XX/XX/XXXX Account Name : DEPTEDXXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : DEPTEDXXXX XXXX - Date Opened XX/XX/XXXX Account Name : DEPTEDXXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX XXXX - Balance {$880.00} Account Name : XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX  XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian

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 — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Klarna AB
State: NV

Complaint narrative:
I made a purchase from XXXX & XXXX XXXX Klarna in the amount of {$82.00}. I returned the merchandise and provided to separate receipts for the Online Reference Number for XXXX XXXX XXXX Order XXXX. Klarna refuses to issue the proper refund for this purchase that was made via their financial payment plan. 

I have also noticed with other purchases that they are adding in service fees that are not being properly disclosed and/ir refunded back to the customer. 

I would like my FULL refund of {$82.00} for this order.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX I deposited two large settlement checks that was issued through the government from a old job class action lawsuit Citi bank then decided to restrict my account and then two days later close it I have over XXXX dollars that their holding on to telling me that I have to wait XXXX to 60 days for a check to be issued to me this isnt fair and has been a big inconvenience I have a child and home to take care of and this was a wrongful closure and I want my money now Ive asked for it to be expedited and all they told me was that they would put in for a request and I have to wait I shouldnt have to wait for whats rightfully mine at all

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This account was charged off on the following date ( XX/XX/year> ) since then the account has repeatedly been update as charged off every month. This is an update on payment history. A charge off account should not include an active payment history this inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights I am demanding a deletion of the following account : - XXXX XXXX XXXXXXXX

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Today I received a notification I lost XXXX points off my credit from equifax and XXXX off my credit report from transunion I just filed a complaint a couple weeks ago for the same thing happening to me they keep allowing inaccurate information to post to my credit report and do damage and look at the amount of damage Ive had the same phone number for XXXX  years anything attached to XXXX XXXX XXXX XXXX is fraud I also provided the police report to show that I am a victim of identity theft the report was filed XXXX XXXX and XXXX I also filed a complaint with the FTC and I also have a tax advocate due to this issue I have no recollection of an account with XXXX I have no ownership to a account with XXXX that is turned over to XXXX XXXX  please remove XXXX XXXX  FROM MY CREDIT REPORT AND REPLACE MY LOST POINTS

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