vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-13 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: Nelnet, Inc.
State: WI

Complaint narrative:
information is not mine and from a whole different state and person

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: KY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 2025-02-13 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: TX

Complaint narrative:
I am writing to inform you that the account in question was opened using my identity without my knowledge or consent. This is a clear case of unauthorized and fraudulent activity. I did not authorize, nor was I aware of, any actions related to the creation of this account. The use of my personal information in this manner is a violation of my privacy and security.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

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 2025-02-13 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: TN

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX  XXXX XXXX XXXX by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to inform you that the account in question was opened using my identity without my knowledge or consent. This is a clear case of unauthorized and fraudulent activity. I did not authorize, nor was I aware of, any actions related to the creation of this account. The use of my personal information in this manner is a violation of my privacy and security.

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 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I am writing to formally dispute incorrect personal information on my credit report. Please find below my correct personal details : Full Name : XXXX XXXX ( There should be no variation to this name ) Current Address : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, WI XXXX ( There should be no other address listed on my report ) Phone Number : ( XXXX ) XXXX ( There should be no other phone number listed ) Employer : XXXX XXXX  XXXX XXXX XXXX XXXXXXXX ( There should be no other employment listed ) I do not acknowledge any other name, address, phone number, or employer beyond what I have provided above. Any other variations or additional information should be removed from my credit report immediately.

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 2025-02-13 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: NY

Complaint narrative:
I DID NOT AUTHORIZE THIS INQUIRY XXXX XXXX XXXX XXXX XX/XX/year> ( TRANSUNION ) XXXX XXXX  XX/XX/year> ( EQUIFAX ) XXXX XXXX XXXX XXXX XXXX  XX/XX/year> ( EXPERIAN )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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 DID NOT AUTHORIZE THIS INQUIRY XXXX XXXX XXXX XXXX XX/XX/year> ( TRANSUNION ) XXXX XXXX  XX/XX/year> ( EQUIFAX ) XXXX XXXX XXXX XXXX XXXX  XX/XX/year> ( 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 2025-02-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: MARINER FINANCE, LLC
State: IN

Complaint narrative:
Please review attachments. I am writing to file a formal complaint against Mariner Finance LLC regarding their unfair and possibly illegal practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


XXXX Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my 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 2025-02-13 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: FL

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

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 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


XXXX Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my 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 2025-02-13 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I had been a loyal capital one user for years. Because of XXXX  I had to change jobs and took a XXXX pay cut and I went through a divorce. Despite paying my required payment amount monthly Capital one, after charging me a yearly membership fee for the upcoming year, XXXX days later cancelled my XXXX accounts ( XXXX had XXXX balance ). I asked if I could become part of their publically advertised XXXX  relief program and provided them proof ( I both emailed and called many times ). They said no without explanation and kept charging me rediculous interest and late fees. I asked if they would join my dept repalyment company plan ( XXXX did the company XXXX XXXX solutions many times ) so I could repay they were teh only creditor who refused. Then they charged off my debt and are now offering me payment plans that are more than I can afford. Please see the attachment for a longer explanation,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I've got a Credit card with Capital One, I scheduled an automatic payment from my debit account every XXXX in the month to make a payment. This mouth the payment withdrawal from my credit card then I call them to fix it they say they can't because that's me made it. The really they next payment gon na be double.I mean they say the account is past due for this mouth and then the next is gon na be for this month and next month. However this mount already withdraw from my credit card they don't want to cancel it. 
I hope you understand this issue and help to resolve as soon as possible. 
Thank you,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-13 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Keith D. Weiner & Associates Co., L.P.A.
State: OH

Complaint narrative:
I owe a balance to XXXX XXXX XXXX I the amount of {$7400.00}. Keith D Weiner and associates, in XXXX Ohio, is the debt collecting agency handling the accounting. Their records state that I owe {$22000.00}. When in court, the agreed balance that I owed at the time to XXXX XXXX in 2019, was {$14000.00}. 

Keith D. Weiner has been garnishing my wages and have been receiving {$75.00} per week for the past 18 months. To my understanding, I only owe {$7400.00} as reflected on XXXX XXXX account and also on my credit. I do not owe the balance {$22000.00} that this debt collecting agency is asking for. 

Also, I would like to file a complaint against XXXX XXXX XXXX. They added an inaccurate remark on my credit report stating that they repossessed my vehicle when they have not. The vehicle is currently at my home and they refuse to pick it up because they say the value of the vehicle is not worth the amount that will be spent for the tow company to come out. They refuse to remove the remark until the balance is paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
Two weeks ago my husbands account was restricted for no reason and now mine was restricted. I filed a dispute after going through my transactions for taxes when I noticed a double charge that never fell off. That was XX/XX/XXXX2025 it is XX/XX/XXXX and woke up to a restricted account at XXXX to now closed at XXXX once I called to speak with someone. SoFi restricted my account originally on XX/XX/XXXX at XXXX and immediately unrestricted at XXXX with me having to call and now this. And again NO REASONING! I feel like they are goingXX/XX/XXXX for tat. Someone previously said their account was restricted and unrestricted but then everyone in their house or sent money to that had SoFi account was either closed or restricted as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2025-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
In XX/XX/year>, I as the victim of an on-line scammer. I am XXXX XXXX XXXX and while I try to stay on top of these scams, each day there is a new and more sophisticated scam. the first transaction which was supposed to remove a fraudulent transaction from my XXXX XXXX was done with my XXXX account and XXXX declined it. The scammer then told me my information was on the Dark Web, there were {$17000.00} worth of transactions and that I needed to clear them using my Wells Fargo Account. I was told these were " paper transactions '' to protect me from being charged with Fraud. I am smarter than this, but the threats were made and I began to follow the scammers transactions. After {$3700.00} worth, Wells Fargo declined any further transactions and the scammer told me to go to the branch. That is when the light went off. My husband got on the phone, terminated the call and then all the transactions posted to my account. I immediately reported it as a Fraud claim. Wells Fargo found there was no Fraud as I had authorized the transactions. After dozens more calls, the claim was escalated to the XXXX Offices in XXXX XXXX, supposedly as a XXXX XXXX claim. They continued to investigate it as XXXX and suggested I contact my local police. Well, that won't work as these scammers are overseas. They refuse to classify it as XXXX XXXX. XXXX has a full page on-line about how to avoid these scams. Wells Fargo does not and they refuse to rectify this 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 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX  AND I WON'T ALOW IT.

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