vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-16 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 inaccurate. 

15 U.S.C. 1681B ( 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 inaccurate.

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 2025-04-16 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: CA

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 2025-04-16 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:
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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a 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 if the person knows or has reasonable cause to believe that the information is innacurate

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 2025-04-16 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: NY

Complaint narrative:
I am writing to formally request validation of the alleged debt mentioned above, pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ). It has come to my attention that this debt is currently being reported on my credit report, and I would like to resolve this matter.

Please provide : 1. * * Documentation that verifies the debt * * : Proof that I agreed to the terms which led to this debt, including the original signed agreement if applicable.

2. * * Detailed accounting of the debt * * : An itemized statement providing a breakdown of how the alleged amount was calculated.

3. * * Verification that your company is legally entitled * * to collect this debt : Details such as licensing documentation if required in my state.

Furthermore, should you be able to validate the debt, I am willing to discuss an appropriate settlement arrangement to satisfy any legitimate and validated obligations. As part of this resolution, I would request that you provide written confirmation that upon payment, the negative entry related to this account will be deleted from all major credit reporting agencies ( Experian, Equifax, and TransUnion ).

If you are unable to validate this debt, I respectfully request that you cease collection activities and remove any erroneous credit report entries related to this account in accordance with the Fair Credit Reporting Act.

Please respond in writing within 30 days of receipt, acknowledging this dispute and providing the requested validation documentation. All future communication regarding this matter should be in writing.

Thank you for your prompt attention to this matter. 

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 2025-04-16 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at DEPT OF EDUCATIONXXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$980.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 2025-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I opened an account with Truist Bank. As soon as the account was opened, I deposited a cashier 's check made out to my company on XX/XX/year> from XXXX XXXXXXXX XXXX in the amount of {$47000.00}. The next day, the account was simply frozen and I no longer had access to it. After that, I went to the bank every day trying to resolve the issue, and no one helped me. Furthermore, they treated me very poorly. After several calls and attempts, on XX/XX/year>, an attendant informed me that I would need to wait 7 business days for them to review my account. On the date, XX/XX/year>, no one resolved my issue ; they informed me that they would not give me a time frame to resolve my account. On XX/XX/year>, they told me that they needed proof that the check from XXXX XXXX XXXX was a real check. So, I went to the bank and got all the documentation to prove that the check was genuine. I received it and took it to Truist Bank on XX/XX/year>. It's been almost a month and they haven't resolved the case. They have no plausible reason to hold my money. They accused me of fraud. My monthly bills are late, my payment commitments are late. I can't sleep. I'm in emotional trouble. Months have passed and the bank has not bothered to resolve this. They don't care about the customer. They just took my money and are keeping it of their own free will. What do I gain from this? Today is XX/XX/year>. I called the bank today and nothing has been resolved. There is no deadline and there is nothing they can do. Is this right, Truist? Is there any authority that can help me? Because I don't have the strength to continue, I don't know where my money is. I don't have access to the account. I went to three branches and no one resolved my problem. I spoke to more than 15 attendants. I called and no one helped me resolve anything. They did not give me a set deadline for the analysis and they did not release my money. CASHIER CHECK INFORMATION Transaction Number : XXXX Cost Center : XXXX - XXXXXXXX XXXX  INFORMATION : Account Number : XXXX Routing Number : XXXX I will attach all the original proof that the XXXX XXXX XXXX gave me proving the originality of my check. In addition, I am looking for a good lawyer to receive my rights as a citizen, I need to repair my differences that I had with this bank.

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 2025-04-16 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, ny XXXX SSN Last XXXX : XXXX XXXX : XX/XX/year> Experian, equifax, transunion Request for Debt Validation and Removal of Negative Account from Credit Report Account Number : XXXX Dear CAPITAL ONE I am writing to formally request validation of the alleged debt mentioned above, pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ). It has come to my attention that this debt is currently being reported on my credit report, and I would like to resolve this matter. 

Please provide : 1. * * Documentation that verifies the debt * * : Proof that I agreed to the terms which led to this debt, including the original signed agreement if applicable.

2. * * Detailed accounting of the debt * * : An itemized statement providing a breakdown of how the alleged amount was calculated.

3. * * Verification that your company is legally entitled * * to collect this debt : Details such as licensing documentation if required in my state.

Furthermore, should you be able to validate the debt, I am willing to discuss an appropriate settlement arrangement to satisfy any legitimate and validated obligations. As part of this resolution, I would request that you provide written confirmation that upon payment, the negative entry related to this account will be deleted from all major credit reporting agencies ( Experian, Equifax, and TransUnion ). 

If you are unable to validate this debt, I respectfully request that you cease collection activities and remove any erroneous credit report entries related to this account in accordance with the Fair Credit Reporting Act. 

Please respond in writing within 30 days of receipt, acknowledging this dispute and providing the requested validation documentation. All future communication regarding this matter should be in writing. 

Thank you for your prompt attention to this matter. 

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 2025-04-16 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: GA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP
State: WI

Complaint narrative:
My card was used from for numerous occasions and several different states, and some days several times a day for cash payments usually just under XXXX dollars for approximately 2 week period starting on XX/XX/XXXX. 
Basically my account was hacked and purchases were made not using a pin # and from a phone wallet, so my bank ( XXXX ) says. 
I was not in anyway alerted that these transactions were taking place until I found it myself. 
My bank denied my request for protection and reimbursement.

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 2025-04-16 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. 

XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$500.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/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 2025-04-16 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2025-04-16 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
NOTICE OF CLAIM, BAD FAITH CLAIM, REGULATION E REVOCATION 1. Misconduct During Active Review : On XX/XX/year>, XXXX XXXX submitted a written request for a response extension to XX/XX/year>, acknowledging the CFPB complaint was under review. Despite this, they referred the loan to foreclosure on or about XX/XX/year> ( see attached XXXX  ). This constitutes : A violation of good faith under 12 CFR 1024.41 ( f ) during a pending resolution, A misrepresentation of account status, as no late payments appear on any credit report ( XXXX XXXX XXXX ), A deceptive act under UCC 3-301, as XXXX XXXX continues to claim status as owner/XXXX with no assignment XXXX prospectus, or recorded trust authority. 

2. Confirmed Evidence of No Standing : USAA, the originating lender, confirmed via CFPB complaint ( USAACFPBComplaint Detail.pdf ) that it did not assign the mortgage. 

MERS also confirmed no assignment has occurred. 

No assignment exists in XXXX County Clerks records, as attached ( XXXX  ). 

The asset has been converted to a mortgage-backed security ( XXXX XXXXXXXX ), and is no longer enforceable under UCC Article 3 without trust or custodial proof. 

XXXX. XXXX Is Not the XXXX : XXXX XXXX claims to be the owner of the loan but : Has not produced a valid bill of sale, Can not prove lawful negotiation or endorsement of the note, Continues to act without recorded assignment, violating XXXX XXXX XXXX & XXXX and 15 U.S.C. 1641 ( f ) ( 2 ). 

Requested Resolution : Immediately halt all foreclosure actions until lawful ownership is proven. 

Compel XXXX XXXX to : Produce the chain of title, Submit the alleged assignment or servicing agreement, File a certified statement confirming its legal standing, if any. 

Refer XXXX XXXX to the XXXX XXXX XXXXXXXX XXXX and/or FTC for deceptive servicing conduct. 

Require XXXX XXXX to update all consumer credit reports to reflect that : No late payments were made, The account is under dispute, Foreclosure was initiated in violation of open federal 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 explanation
Consumer complaint received 2025-04-16 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 XXXXXXXX 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 2025-04-16 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2025-04-16 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: FL

Complaint narrative:
I submitted a formal written dispute to the credit bureau demanding the method of verification for accounts reported in my consumer file, as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ( a ) ( 7 ) ). I also requested original signed contracts under the Truth in Lending Act ( 15 U.S.C. 1641 ( g ) ) and correction of inaccurate personal data pursuant to 15 U.S.C. 1681g. The bureau failed to provide proper verification, did not supply the requested documentation, and neglected to correct or remove inaccurate information, including unauthorized inquiries. I am requesting the CFPBs assistance to enforce compliance with federal law and protect my rights as a consumer.

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 2025-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
American Express National Bank sent me a letter saying that an attempt to open one or more deposit accounts in my name, and we believe it was without your authorization

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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 non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
My name is XXXX XXXX I got this letter in the mail today it is attached below so please read it I need the promotional code to be review and investigate again or appeal it to be investigated again I disagree with the decision because I did meet the requirements all the agents told me over the phone so please add the bonuss to my account for {$300.00} or issue me a onetime credit for it for wrong information or wrong agents information because I meet the requirements and mail me a check for it checking account number is XXXX and saving account number is XXXX because I really need the {$300.00} etc.

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