vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-25 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:
I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for XXXX XXXX XXXX have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy I have never been late on payments for the account : ( XXXX XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: CITIBANK, N.A.
State: WA

Complaint narrative:
This complaint to CITICARDS CBNA was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized.

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 2025-04-25 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: MI

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the accuracy and legitimacy of an account being reported by XXXX XXXX XXXX on my credit file. The alleged debt is not only inaccurate and unverifiable, but XXXX XXXX has also committed multiple violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) which raise serious legal concerns.

Dispute Summary : 1. No Proper Debt Validation Provided : XXXX XXXX  failed to provide
verifiable proof that I owe this alleged debt, including a valid chain of ownership. Despite my request for validation under 15 U.S.C. 1692g, no sufficient documentation has been produced.

2. Cease and Desist Violation : After issuing a cease and desist demand to XXXX XXXX, they continued to attempt collection, and contacting me by phone in violation of 15 U.S.C. 1692c ( c ). This is not only harassing but also unlawful.

3. No Proof of Chain of Title or Right to Collect : They have not shown any evidence of the legal right to collect, particularly in the event that this debt has been securitized or sold to a third party. Without a complete chain of title, any reporting or collection is fraudulent and misleading.

4. Violation of My Consumer Rights : Their actions have caused me stress, reputational damage, and lowered my creditworthiness without substantiated legal basis.

Formal Request : Under the FCRA ( 15 U.S.C. 1681i ), I am requesting : An immediate investigation into this account.

Suspension of reporting during the investigation.

Permanent deletion of this account from my credit report if validation can not be provided.

I am attaching copies of my cease and desist letter, prior correspondence, and supporting documentation.

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 2025-04-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MO

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically cash app failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTCA ) and regulations e. these actions have caused significant financial lost, and i seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: SC

Complaint narrative:
Several items on my credit report are incorrect I asked already for it to be taken off and as of date its still on

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
I am a victim of identity theft. Fraudulent accounts and credit inquiries were made in my name without my knowledge or authorization. 

I submitted a Police Report ( XXXX XXXX Police Department, Case # XXXX ) and a completed FTC Identity Theft Report ( Report # XXXX ) to [ ChexSystems XXXX XXXX XXXX XXXX ], along with my valid government-issued ID and proof of address. 

Despite providing all required documentation, [ ChexSystems XXXX XXXX XXXX XXXX ] failed to block or remove the fraudulent accounts within the 4 business days required under the Fair Credit Reporting Act ( FCRA ) 605B. 

The fraudulent accounts and inquiries include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Supporting documents ( Police Report, FTC Report, ID, ) are attached.

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 2025-04-25 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: LEXISNEXIS
State: GA

Complaint narrative:
I am a victim of identity theft. Fraudulent accounts and credit inquiries were made in my name without my knowledge or authorization. 

I submitted a Police Report ( XXXX XXXX Police Department, Case # XXXX ) and a completed FTC Identity Theft Report ( Report # XXXX ) to [ XXXX XXXX XXXXXXXX XXXX XXXX ], along with my valid government-issued ID and proof of address. 

Despite providing all required documentation, [ XXXX XXXX XXXX XXXXXXXX XXXX ] failed to block or remove the fraudulent accounts within the 4 business days required under the Fair Credit Reporting Act ( FCRA ) 605B. 

The fraudulent accounts and inquiries include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Supporting documents ( Police Report, FTC Report, ID, ) are attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: NJ

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-04-25 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: TN

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 2025-04-25 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: RI

Complaint narrative:
Kindly remove and block the unauthorized accounts from my credit report promptly. I did not authorize or recognize these accounts. As per USC 1681g, I am requesting they be deleted within 15 days. Ive attached documentation for your review. Additionally, the account details reported to each bureau are inconsistent and 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 non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION
State: TX

Complaint narrative:
I am submitting this complaint as a continuation of my original CFPB complaint ( XXXX ) regarding deceptive practices by XXXX Flight School and XXXX XXXX XXXX . 

In 2021, I enrolled at XXXX Flight Schools XXXX, TX location. Prior to enrollment, I was told by an XXXX representative that flight schools do not accept the GI Bill, which led me to believe I had no option but to finance my training through private loans with Sallie Mae. 

I have since verified that many flight schools do accept the GI Bill for training beyond the XXXX XXXX XXXX. XXXX statement was false and materially influenced my financial decisions, causing me to take on over {$100000.00} in private student loan debt. 

XXXX recently responded with a blanket denial of wrongdoing, stating only that their program was not eligible for the GI Bill but failing to acknowledge that they made a misleading generalization about flight schools overall. 

Furthermore, Sallie Mae worked exclusively with XXXX, offering no competitive financial aid options, creating a closed system that trapped students in high-interest private loans. 

Despite knowing their financing relationship severely limited student options and profiting from these loans, Sallie Mae continues to hold me responsible for debt that would not have been necessary if I had been properly informed.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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, 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 2025-04-25 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, 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 2025-04-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
American Express sent me a pre approved credit card offer with 0 % apr promotional period of 12 months. Their system impose ridiculously high minimum balance payments on me and then cancelled my promotion which the only reason I signed up for the card was for the promotion. They are unwilling to reactivate the promotional offer after cancelling on my without any notice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
Carrington Mortgage Services , LLC has continued to report the false information that I owe certain amounts of money regarding a forbearance amount reported to them by my previous mortgage holder, XXXX XXXX XXXX. On or about XX/XX/XXXX, I sent a letter with accompanying bank records to Carrington, proving that I paid these amounts and that there are no amounts owed or outstanding to Carrington, yet they have refused to remove this information from my credit report and have refused to stop reporting this false information. On, XX/XX/XXXX, I called Carrington and again explained in detail the situation and they refused to even appeal the decision and continue to maintain that this amount is owed to them.

Carrington Mortgage Services , LLC has a history of engaging in this kind of behavior and entered into a Stipulation and Consent to the Issuance of a Consent Order that I believe they are continuing to violate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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, 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 explanation
Consumer complaint received 2025-04-25 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, 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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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:
Im reaching out with urgency and frustration because my credit report contains inaccurate personal information, which has led to the appearance of an account that Ive never seen or authorized. Ive been a victim of identity theft, and my information was clearly used without my consent. I followed all proper procedures, including filing an FTC identity theft report as advised by Equifax, yet this fraudulent account is still showing. This is incredibly distressing, especially since Ive already taken the right steps to resolve it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I am writing to report an issue regarding transactions that took place on my credit card account. 

On XXXX XXXX XXXX XXXXXXXX transactions totaling {$12000.00} were charged to my card by XXXX XXXX XXXXXXXX XXXX. I authorized these transactions but the merchant frauduent represented themselves and has not delivered the merchandise, have disputed them with Wells Fargo. 

The dispute was filed with Wells Fargo. To date, I have not received a satisfactory resolution regarding the charges. I would appreciate further investigation into these transactions, as they are fraudulent and were not made by me. 

Please find all relevant details below : Date of transactions : XXXX XXXX XXXX Total disputed amount : {$12000.00} Action taken : Disputed the charges with Wells Fargo I would appreciate it if you could investigate these charges and provide a resolution at your earliest convenience. 

Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am a XX/XX/XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. As per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2025-04-25 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: NJ

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 explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
XXXX XXXX Account  Never ask or given written consent for  \nPrequalification for credit \n\nI been working to fix my credit for the last 4 years have not ask any of the company below for any credit.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never gave them Written consent to prequalification / nor to run my credit for anything. Please remove ASAP \n\nOn my XXXX XXXX account they are on their XXXX XXXX  is on their  53 times I try to contact the number its busy every time I call them.  I call  everyday.  \n\nthe date range from XXXX XXXX XXXX Never apply or ask to be prequalify for credit.  \n\nAll this is on my XXXX XXXXXXXX  Account \nConsumer Number XXXXCase Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: IL

Complaint narrative:
b'XXXX XXXX  Account  Never ask or given written consent for  \nPrequalification for credit \n\nI been working to fix my credit for the last 4 years have not ask any of the company below for any credit.\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDiscover Products Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Never gave them Written consent to prequalification / nor to run my credit for anything. Please remove ASAP \n\nOn my XXXX XXXX account they are on their XXXX XXXX  is on their  53 times I try to contact the number its busy every time I call them.  I call  everyday.  \n\nthe date range from XXXXXXXX XXXX XXXX  Never apply or ask to be prequalify for credit.  \n\nAll this is on my XXXX XXXX Account \nConsumer Number XXXXCase Number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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 a victim of a data breach, resulting in fraudulent accounts on my credit report. Under 15 U.S.C. 1681c-2 ( a ), I request the immediate blocking and deletion of the following accounts within 4 days : Please delete and block the following accounts from my credit report Accounts Inquiries XXXX XXXX XXXX XXXXXX/XX/year>

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