vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The account in question has been reinserted into my credit report, and I am demanding its full and permanent removal without further delay. The presence of unauthorized transactions and false information is the direct result of a data breach that exposed my personal and financial detailsan incident entirely beyond my control. 

Despite my prior attempts to correct this matter, these inaccuracies persist, reflecting a serious failure in your reporting obligations. Continuing to report these erroneous details, even after being notified of the data compromise, is completely unacceptable and irresponsible. This mismanagement is damaging my credit, undermining my financial health, and hindering critical opportunities. 

I demand a prompt investigation and complete deletion of the following account from my credit file : XXXXXXXX XXXX  XXXX Account Number : XXXX * * * * Date of Charge-Off : XX/XX/year> Amount : {$1600.00} Any further inaction, delay, or refusal to resolve this issue will be considered a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and all other applicable laws. I am fully prepared to take legal action and file formal complaints to enforce my consumer protections.

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 2025-04-17 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-04-17 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX 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 2025-04-17 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: NY

Complaint narrative:
On XXXX XXXX my Car was repossessed due to XXXX mistake. They used my payment for " fees '' and not the actual payment. Which was unauthorized. Also they claimed my account was delinquent when it was in fact not. They changed payment date from XXXX XXXX to XXXX XXXX. As it says on their record. The most my account was delinquent according to XXXX XXXX XXXX is at most 2 days. She admitted that the repression should have never happened. I have this call recorded. 

After admitting it was an error on their end, my fianc contacted a lawyer to get assistance. She heard the evidence and admitted this should be a lawsuit. As XXXX XXXX have many due to this same issue. Instead we just wanted our stolen vehicle back. Once we gave XXXX my lawyers info, they then returned the vehicle. 

Today they still have comments on my credit report. They're refusing to remove.

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 2025-04-17 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: AZ

Complaint narrative:
PLEASE PLEASE HELP ME GET MY LIFE BACK IN ORDER AND TOGETHER. I HAVE SENT YOU GUYS DOCUMENTS TO HELP ME REMOVE FRAUDULENT ACCOUNTS ON MY CREDIT FILE FROM EQUIFAX, I HAVE CALLED THEM AND THEY STILL DONT REMOVE THOSE ACCOUNTS FOR ME. I AM A VICTIM OF IDENTITY FRAUD PLEASE HELP ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP

Complaint narrative:
Hi end of XXXX, a friend of mine i had not seen in a long time came back to XXXX where i live and stayed at my place several weeks. During that time, he commented he had learned trading and made very good results on XXXX. He showed to my husband and i and we were impressed. He offered us to invest money, do all the trading job and share revenues. I paid with my debit card from US bank an amount around XXXX XXXX .. during XXXX XXXX. He had had access to my card number. I sent this amount to E.toro, i got ALL the proofs, he had to give us access to platform so that we can check what was happening, we never had the info .. for many reasons i wont detail here, we realized in XXXX, that something smelled bad .. and at this specific moment, he disappeared .. i also got to know that i was not the only one. I IMMEDIATELY began to inform and claim to US bank, called XXXX ... canceled my debit card ... and of course, went to Police, as this guy already had a file for drugs. On a first hand, US bank recognized the fraud, and WITHOUT my consent, gave me a LOAN, i thouht it was an issurance compensation. but realized NOT when i received the paper letter XXXX weeks after. Also noticed the bank I had not given consent to a loan, and that is was putting me in a very bad situation as i now had lost XXXX euros and ALSO had to refund bank. Then, i re chec ked ALL account statements during XXXX XX/XX/XXXX, and DETECTED that HE had used my debit card number to send around XXXX MORE to XXXX. The movements are concentrated on very few days, like 2 days in XXXX, same for XXXX. Amount sent was ALWAYS THE SAME : around XXXX euros., EACH TIME. I immediately informed bank telling them THEY NEVER SEND ME ANY ALERT TO THESE UNUSUAL MOVEMENTS.. They gave me another XXXX that i didnt want, and then rejected my cxase .. telling me i should not have given my vard number to the scammer.. I DID NOT .. asnd there is no PROOF i authorized these payments as US bank NEVER send validation codes or anything. Its been XXXX and a half and i have got NO help or responsability from US bank that YES can have alerts when it comes to my account being OVERDRAWN .. they send me emails for XXXX USD., ... HOW come they never noticed this???? Now i have lost ALL my savings .. and i want US bank to take responsibility. I offered them to CANCEL the loans that I DIDNT SIGN FOR ( its absolutely illegal, there is NO refund plan.. NOTHING ) and they have refund themselves already, leaving my account very negative, me in debt, and impossible to work as it's a professionnal account. I request your kind help, i was in a very bad period of my life, broke, divorcing .. and i was fooled. My. XXXX husband also lost 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 2025-04-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: MA

Complaint narrative:
I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the XXXX Department of Education ( DOE ) and the Department of Government Efficiency ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security.

I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : 1. My academic records and personally identifiable information ( PII ).

2. My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information. 
XXXX. My IRS tax transcripts, which were obtained and used without proper authorization. 

These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I purchased a smart toilet on XXXX and paid using Paypal. I received a damaged item. 

BUT, the problem is that the crack was on the inside lid so I did not see it until only 2 days after the return window closed. Seller claims it was damaged during shipping but it was packaged very carefully and is clear that it was cracked before shipping. -- -- The big problem is with Paypal -- claiming that they have buyer protection but they did not help me because the return window had just closed. But, I received a DAMAGED item. I've been a XXXX year customer of Paypal XXXX But, I lost nearly {$1000.00} dollars and am stuck with an unusable broken item.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: Credit Service International Corp
State: FL

Complaint narrative:
My information has been compromised due to a data breach, My identity has been use to open those account those account don't " belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana, XXXX XXXX Date : XX/XX/year> Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Credit Reporting Request for Investigation and Removal Account Name : XXXX XXXX Account Number : XXXX Balance : {$8100.00} To Whom It May Concern, I am writing to formally dispute inaccurate and incomplete information reported on my credit report concerning the above-mentioned account. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain maximum possible accuracy of the information they report. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if information is found to be inaccurate or unverifiable, it must be promptly corrected or deleted. 
The account listed under " XXXXXXXX XXXX '' and numbered " XXXX '' contains several inaccuracies that I believe violate the FCRAs accuracy requirements. I request a full investigation into this account and demand that the information be 100 % accurate across all three major credit bureaus. If the information can not be verified and corrected to reflect complete accuracy, it must be DELETED entirely from my credit report as required by law. 
Verify the balance for completeness and accuracy. 

Please confirm in writing the results of your investigation and send me an updated copy of my credit report. I am including a copy of my identification and proof of address to assist with your investigation. 

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I have a credit card through capital one I wanted to transfer my credit from one card to the other that was the same it never went through 30 days later I have a balance due of XXXX max card I called because it has horribly reduced my credit score that Ive been working so hard on when I called they told me over and over again there was nothing I could do it has to be internal theft finally I got a case number and I had hoped a solution since capital one sent a check to XXXX I did not sign for or approve they was fixing it I call back today and nothing had been done to fix the account and the case was closed I had to talk through 3 different people saying you will have to pay the money I knew this couldnt be true its crazy so I kept asking till I found someone who helped make a new report finally I just need my account straightened

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: AK

Complaint narrative:
I received a XXXX XXXX XXXX in the amount of XXXX. I made an attempt to try to deposit it mobile on their app. Then I was told that their limit was {$5000.00} so I then went to a branch the next day. the branch explained to me to scratch out the previous date written on the back of my check and then she called her branch manager over to ask for the nature of the check I told her that this check is an indemnity payment from XXXX XXXX for my loses. The teller and the manager told me to scratch out the previous date and sign and initial the back of the check and which I did. The teller told me that {$400.00} would be made available and that the following day all of the money would be available. She provided me with a receipt. The money was later made available around XXXX. I begin to pay some debt and after XXXX XXXX, Wells Fargo put all of the money out of my account And left me XXXX negative. I called her XXXX XXXX number for the reason and the reason was because of the endorsement in the back of the check they took my money because of what the tellers told me to do after all my money was in my account. They are holding my check now until XXXXXXXX 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 2025-04-17 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 have the following information removed from my credit file, the items that I need deleted are going to be attached in a XXXX  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 2025-04-17 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: AZ

Complaint narrative:
I HAVE MADE CALLS DAILY TO EXPERIAN TO TELL THEM TO HELP ME REMOVE FRAUD ADDRESSES THAT ARE REPORTING ON MY CREDIT FILE. PLEASE HELP ME REMOVE AND BLOCK THE ADDRESSES REPORTING ON MY CREDIT FILE, I AM A VICTIM OF IDENTITY 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 2025-04-18 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:
A collection account was added to my credit reports in XX/XX/XXXX with a balance of {$5700.00}. It is listed as a joint account and was reported as placed for collection as of XX/XX/XXXX. I have not received a prior notice or verification of this debt, and I do not recognize this account. No payments have been made, and I believe this account may be inaccurate or opened without my authorization. I am requesting an investigation and removal if validation can not be provided.

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 2025-04-17 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: KY

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-04-17 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: KY

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-04-17 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: PA

Complaint narrative:
TransUnion is clearly re-aging the XXXX account in the amount of XXXX. Attached you will see XXXX different examples of TransUnion changing the last activity date in which this is an direct violation of the FCRA as no activity has been completed Also, the XXXX account in the amount of XXXX XXXX is reporting as an open account and a collection cant report as that. 

I have brought this to TransUnion numerous of times and it keep being verified. This can not be verified if i am providing undeniable proof so no one is taking my complaints seriously.

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 2025-04-17 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: WA

Complaint narrative:
XXXX XXXX a collection agency on behalf of XXXX credit card is on my Transunion Credit Report, showing opened XXXX XXXX. 

This is false ; as the XXXX credit card was opened between the years of XXXX. 

I filed a dispute through XXXX XXXX that showed resolved and approved and neither Transunion or XXXX XXXX have updated the correct year the credit card was opened. 

This is negligent and illegal as this credit card would be due to drop off my credit report altogether already or soon had the data been corrected. 

Both Transunion Credit Bureau and XXXX XXXX need to correct this error immediately as it has negatively impacted my XXXX XXXX reporting for far too long. 

I also have a very serious gripe with Transunion credit Bureau, as my credit score has been flat lined for almost XXXX years, regardless of my XXXX loans being paid down. There is a very serious problem with that XXXX that is seriously negligent and does not accurately represent factual true data that ultimately negatively impacts the consumer when attempting to obtain credit, a mortgage, etc.. 
Corrective action is needed! 

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 non-monetary relief