vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My friends XXXX page was hacked. Unfortunately, I found out a little too late after I had been scammed. This is what happened : Today, XX/XX/XXXX I was on XXXX and came across a friends page, XXXX XXXX, where she posted XXXX vehicles for sale. A XXXX XXXX XXXX for {$2000.00} and a XXXX truck XXXX for {$3500.00} for a total of {$5500.00} for both vehicles. Believing that is was legitimate, I immediately communicated with her via messenger. ( I have screen shots of this back and forth communication as proof. ) I secured the vehicles with an initial {$1500.00} deposit paid through my Wells Fargo XXXX payment method to XXXX XXXX  XXXX. A little later and still believing is was my known friend, the person told me that another person was paying the whole amount for both cars ( {$5500.00} ) and asked if I was still interested to pay the whole amount. I responded that I was willing to pay the whole amount to secure the cars ( the amount was refundable ) and I did. I sent through XXXX $ XXXX to the same number. I then asked for the address to go the following day ( XX/XX/XXXX ) to go see the cars. The address was sent. 
Soon after, through another friend on XXXX, I found out that XXXX XXXX account had been hacked into. It was all a scam. I immediately contacted my Wells Fargo bank and reported the scam and they filed a claim for the total amount I sent through both XXXX transactions ( {$5500.00} ).

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 2025-04-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I did not authorize this inquiry and had no communication with the lender on the specified date.

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 2025-04-26 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: SD

Complaint narrative:
I am writing to dispute a recent entry on my credit report that appears to reference child support obligations. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), the inclusion of such informationespecially when obtained or reported improperlymay be a violation of federal law. 
Please investigate this matter immediately and provide a detailed explanation of how this information was obtained and reported. I request that any inaccurate or unlawfully reported information be removed from my file promptly.

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 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
XXXX XXXX  is reporting XXXX inaccurate missed mortgage payments on my Credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XXXX XXXX  is reporting XXXX inaccurate missed mortgage payments on my Credit report.

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 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XXXX XXXX  is reporting XXXX inaccurate missed mortgage payments on my Credit report.

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 2025-04-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To whom this may concern, I am writing to request the removal of unauthorized credit inquiry/inquiries on my Transunion, Experian & Equifax credit report. I recently retrieved my credit report and it showed XXXX credit inquiries that I have no knowledge of ever authorizing. 

I am writing to dispute the following inquiries and asking for their removal from my credit report.

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 2025-04-27 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: EQUIFAX, INC.
State: TX

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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: CA

Complaint narrative:
On XX/XX/year> I reported to Trans Union Equifax Experian that they are fraudulent accounts on my consumer report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Im filing this report against Trans Union Equifax Experian for illegally refusing to block fraudulent information from my consumer report, despite valid dispute and notification of the fraud regarding the listed accounts on my consumer report were the result of identity theft and fraud. I informed and requested an investigation regarding fraudulent accounts, XXXX XXXX XXXX XXXX XXXX XXXX, that is on my customer report. These item are being reported illegally. I am concerned about the validity and accuracy of the recent investigation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please provide me with written verification or correction of the disputed information. If you are unable to verify the accuracy of the information within 30 days, as required by the FCRA, It must be removed from my credit report. In addition, please send me a copy of the results of your investigation, as well as any documentation or evidence supporting the accuracy of the information you have on file. I appreciate your prompt attention to this matter and confirmation that this information has been corrected. XXXX XXXX XXXX In accordance with my rights under federal law, I submitted the required documentation, including police report, FTC Identity Theft Report, affidavit of fraud drivers license, and Social Security card. 

However, such Companies are refuseing to block or remove the fraudulent information, in direct violation of federal law. 

Under 15 U.S.C. 1681c-2 ( Section 605B of the Fair Credit Reporting Act ), if a consumer identifies information in their file as resulting from identity theft and provides appropriate proof, the consumer reporting agency must block the information within XXXX ( XXXX ) business days of receiving the documentation. 
Demands for Immediate Corrective Action : I hereby demand : Immediate and permanent removal and blocking of the fraudulent accounts from my consumer reports. 

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 2025-04-27 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/year> I reported to Trans Union Equifax Experian that they are fraudulent accounts on my consumer report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Im filing this report against Trans Union Equifax Experian for illegally refusing to block fraudulent information from my consumer report, despite valid dispute and notification of the fraud regarding the listed accounts on my consumer report were the result of identity theft and fraud. I informed and requested an investigation regarding fraudulent accounts, XXXX XXXX XXXX XXXX XXXX XXXX, that is on my customer report. These item are being reported illegally. I am concerned about the validity and accuracy of the recent investigation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please provide me with written verification or correction of the disputed information. If you are unable to verify the accuracy of the information within 30 days, as required by the FCRA, It must be removed from my credit report. In addition, please send me a copy of the results of your investigation, as well as any documentation or evidence supporting the accuracy of the information you have on file. I appreciate your prompt attention to this matter and confirmation that this information has been corrected. XXXX XXXX XXXX In accordance with my rights under federal law, I submitted the required documentation, including police report, FTC Identity Theft Report, affidavit of fraud drivers license, and Social Security card. 

However, such Companies are refuseing to block or remove the fraudulent information, in direct violation of federal law. 

Under 15 U.S.C. 1681c-2 ( Section 605B of the Fair Credit Reporting Act ), if a consumer identifies information in their file as resulting from identity theft and provides appropriate proof, the consumer reporting agency must block the information within XXXX ( XXXX ) business days of receiving the documentation. 
Demands for Immediate Corrective Action : I hereby demand : Immediate and permanent removal and blocking of the fraudulent accounts from my consumer reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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 the silence engelhardt. v gravens ( mo ) 281 SW715.719 presume that no proof of the alleged debt. nor therefore any such debt in fact, therefore exists. ( please remove these accounts before I see litigation for defamation character ) XXXX XXXX XXXX XXXX {$1200.00}, XXXX XXXX XXXX XXXX {$1400.00}, XXXX XXXX XXXX balance {$14000.00}, XXXX XXXX XXXX XXXX balance {$170.00}, XXXX XXXX balance {$1700.00}, XXXX XXXX Balance {$0.00}, XXXX XXXX  balance {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 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 the silence engelhardt. v gravens ( mo ) 281 SW715.719 presume that no proof of the alleged debt. nor therefore any such debt in fact, therefore exists. ( please remove these accounts before I see litigation for defamation character ) XXXX XXXX XXXX XXXX {$1200.00}, XXXX XXXX XXXX XXXX {$1400.00}, XXXX XXXX XXXX balance {$14000.00}, XXXX XXXX XXXX XXXX balance {$170.00}, XXXX XXXX balance {$1700.00}, XXXX XXXX Balance {$0.00}, XXXX XXXX  balance {$0.00}

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 2025-04-27 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: OH

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 non-monetary relief
Consumer complaint received 2025-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
I disputed charges multiple times disputed item removed from credit report and collections Caine & Wiener continue to Post a collection on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This act was paid Theu keep reporting due and sold it to another comp.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This act was paid Theu keep reporting due and sold it to another comp.

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 2025-04-27 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: CA

Complaint narrative:
I am filing this complaint to request a full and formal reinvestigation regarding XXXX XXXX XXXX  XXXX unlawful reporting of a derogatory charge-off related to my XXXX XXXX account XXXX After conducting my own thorough investigation, I have obtained documentary evidence from XXXX XXXX XXXX XXXX filings and SEC reports proving the following : XXXX XXXX XXXX XXXX executed a true sale of the receivables, including my XXXX XXXX account, thereby relinquishing all rights, title, and ownership ( Receivables Purchase Agreement, Page 49, Lines L645-L653 ). 

XXXX XXXX waived all rights of setoff and any deduction or claim against the receivables ( Indenture Agreement, Page 60, Lines L218-L226 ).

XXXX XXXX deregistered and relinquished control over the receivables from its financial statements ( SEC 10-K Annual Report, Page 62, Lines L18797-L18804 ). 

Therefore, XXXX XXXX XXXX XXXX does not own the alleged receivable, and has no lawful authority to report, collect on, or charge off the XXXX XXXX account. 

Despite this, XXXX XXXX XXXX XXXX and the consumer reporting agencies ( Experian, Equifax, and TransUnion ) have continued to report the account negatively on my consumer credit files. 

Their actions have violated multiple provisions of the Fair Credit Reporting Act ( FCRA ), including but not limited to : FCRA 1681e ( b ) : Failure to maintain maximum possible accuracy ; FCRA 1681i ( a ) : Failure to properly investigate and reinvestigate after dispute and notification ; FCRA 1681b : Lack of permissible purpose to furnish information ; FCRA 1681n and 1681o : Willful and negligent noncompliance, exposing them to statutory and punitive damages.

Additionally, their actions have harmed me by : Lowering my credit scores, Damaging my ability to obtain shelter and credit, Causing emotional distress and reputational harm. 

Requested Relief : I am respectfully requesting the following corrective action : A full reinvestigation into the reporting of the XXXX XXXX  account, Immediate deletion of all negative and derogatory reporting associated with this account, Written confirmation of the removal, Review and enforcement action against XXXX XXXX XXXX XXXX for violations of FCRA and consumer protection laws. 

Attached to this complaint are copies of documentary evidence supporting my claims, including a formal Notice of Dispute, Exhibit A summarizing XXXX XXXX ' admissions, and my pre-arbitration demand letters. 

I request urgent handling of this matter, as continued inaction will result in further escalation, including formal arbitration filings. 

Thank you for your time and prompt attention to this serious issue.

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 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I did not authorize this inquiry and had no communication with the lender on the specified date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Kehoe Financial Group, LLC
State: CA

Complaint narrative:
I received a letter from Kehoe Financial Group, regarding a traffic violation in the municipality of XXXX, XXXX on XX/XX/year>. I never received any violation from the police of XXXX and now after 4 years got this letter threaten me if I fail to remit payment they will pursue recovery to collect amount. I asked them for a video so I can see who is the person driving that car. This company Never sent me the proof. So maybe someone else illegally used my information to rent a car in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: DC

Complaint narrative:
I am writing to formally dispute and request the immediate deletion of a collection account being reported by XXXX XXXX XXXX XXXX in the amount of {$1900.00} account # XXXX. 

On XX/XX/2025, I sent XXXX XXXX XXXX XXXX a certified letter requesting full validation of the alleged debt. USPS records confirm that the letter was received and signed for by XXXX XXXX on XX/XX/2025. I have attached proof of this delivery for your review. 

In my request, I asked for : Proof of acquisition by chain of assignment contracts ; The original agreement bearing my signature ; Proof of their authority and licensing to collect debts in my state ; Their license numbers and Registered Agent or Agent of Service information ; Identification of the original creditors name, address, and amount owed. 

Additionally, my letter explicitly disputed the validity of the debt and served as a cease and desist notice for all collection activities until proper validation was provided. 

As of today, XX/XX/2025, no documentation or validation has been received from XXXX XXXX XXXX XXXX. 

Under 15 U.S.C. 1692g ( b ), failure to validate a debt after a formal request requires the collector to cease collection efforts including reporting to the credit bureaus. Continuing to report an invalidated debt is a direct violation of the Fair Debt Collection Practices Act ( FDCPA ). 

Given these facts, I am requesting the immediate deletion of this account from my credit file, as XXXX XXXX XXXX XXXX has not fulfilled the legal requirements to substantiate this debt. 

To verify my identity and ensure accurate processing, I have included : A copy of my Drivers License, A copy of my Social Security Card, and A copy of a recent credit card statement, in accordance with XXXX XXXX XXXX. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation that the disputed account has been removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: MO

Complaint narrative:
I received a title loan on a a temporary card. Someone stole my card from me the next day and spent so the money on it. I know the person 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 2025-04-27 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: GA

Complaint narrative:
Good afternoon, after reviewing my credit report i discovered 2 things that i was not aware of. I have no knowledge on how these accounts got on my credit report. A " XXXX '' repossession that was opened on XX/XX/XXXX with a {$29000.00} balance on it is falsely reporting on my credit report. There is also a " XXXX XXXX BANKRUPTCY '' that was opened on XX/XX/XXXX. The reference number for the bankruptcy is " XXXX ''. The account has a {$0.00} balance.

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