vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-26 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: CA

Complaint narrative:
What happened? 

On XX/XX/year>, an unauthorized transaction was made on my debit card for {$3100.00} at : Merchant Name XXXX XXXX XXXX XXXX XXXX : XXXX XXXX CA Transaction Method : ( Conflicting information providedinitially told it was an online transaction, but later informed it was a card-inserted transaction. ) I noticed the fraudulent charge and immediately contacted Wells Fargo to dispute it. They reversed other similar transactions but wrongfully denied this one. 

I escalated the dispute, and after further review, I was again told the claim was closed. I then requested a higher-priority escalation. It has now been over XXXX business days, and I have received no response or resolution. 

Actions Taken : Contacted Wells Fargo as soon as I noticed the charge. 

Initially informed it was an online transaction, then later told it was a card-inserted transaction. 

Requested a formal dispute ; some transactions were reversed, but this one was denied. 

Visited a local branch for assistance ; they could not explain the discrepancy in how the transaction was classified. 

Escalated the claim for higher review, but no response has been received in over XXXX business days. 

Issue : Wells Fargo has failed to properly investigate this fraudulent charge despite my immediate reporting and multiple follow-ups. They have provided contradictory information about how the transaction was made and have not responded to my escalation request.

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 2025-03-26 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: AR

Complaint narrative:
TO : LEXIS NEXIS PLEASE STOP SENDING ME A COPY OF A PURCHASED DOWNLOAD YOU PURCHASED ONLINE ... ... I AM REQUESTING A LETTER FROM THE XXXX XXXX  XXXX, ADDRESSED TO LEXISNEXIS, STATING VERIFICATION OF THE XXXX  ... ..IF SOMETHING CAN NOT BE LEGALLLY VERIFIED IT MUST BE REMOVED ... ... ... PURCHASING A LINK/DOWNLOAD FROM A WEBSITE IS NOT A VERIFIABLE LEGAL ACT ......

LEXIS NEXIS IS REPORTING XXXX XXXX ON MY CREDIT FILE THAT THEY CAN NOT VERIFY WITH THE COURT ... .. AND I AM ASKING CFPB TO ASK LEXISNEXIS TO PROVIDE A VERIFICATION LETTER ON LETTERHEAD..WRITTEN DIRECTLY TO LEXISNEXIS, WITH THE CLERK NAME, TIME OF CONVERSATION AND OFFICE TELEPHONE NUMBER ALONG WITH PROVIDING TO ME A COPY OF THE LETTER WRITTEN TO THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 non-monetary relief
Consumer complaint received 2025-03-26 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: WI

Complaint narrative:
victim of identity theft, days and days I receive robot calls and fell victim to one. now my credit has been hit with charges and hard inquiries. scammers where able to log in and remove security alerts from credit be allowing this sunrise credit service- never heard of this company likely some charter company. truthfully i can t afford cable so i wouldn't have opened this account XXXX XXXX XXXX  account numbrer XXXX XXXXXXXX XXXX XXXX XXXX  account number : XXXX amount XXXX Experian hard inquiries -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 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 explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Self Financial Inc.
State: NY

Complaint narrative:
In XXXX, I opened a secured credit card account with the company XXXX, with a total security deposit of {$1100.00} and an unsecured credit limit of {$300.00}, subject to a variable APR of 29.23 % as of XX/XX/XXXX. 

The issue began when I closed the account in XX/XX/XXXX. I was expecting to receive my full security deposit back but only received two partial payments of $ XXXX on XX/XX/XXXX, and another on XX/XX/XXXX, XXXX {$99.00}. 

When I contacted the company, they stated, " We dont owe money at all. '' I then requested a breakdown via email, but they sent a screenshot that was neither clickable nor downloadable, leaving the situation unresolved. There was no clear explanation regarding the remainder of my deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: VA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: EQUIFAX, INC.
State: TX

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

The accounts below have violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency if the person knows or has reasonable cause to believe that the information is innacurate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: IL

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 explanation
Consumer complaint received 2025-03-26 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: SC

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 non-monetary relief
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing a formal dispute regarding multiple violations of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I demand immediate correction and removal of the following inaccurate and unverified information from my credit report : 1. Invalid and Unverified Debt ( FDCPA Violations ) Under 15 U.S. Code 1692g, I am disputing the listed accounts as they have not been properly validated under the FDCPA. Your failure to provide legal validation means you can not report or collect on these accounts, and they must be removed immediately.

2. Incorrect Late Payment Remarks ( FCRA Violations ) Under 15 U.S. Code 1681s-2 ( a ) ( 1 ) and 15 U.S. Code 1666b, I am disputing inaccurate late payment remarks on the following accounts. These accounts were paid on time, and the false reporting of late payments is a violation of FCRA and TILA. I demand that these remarks be removed immediately to ensure the accuracy of my credit file. 


Additionally, I have already filed a formal complaint with the Federal Trade Commission ( FTC ) under Reference Number : XXXX regarding these violations. If this matter is not resolved promptly, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action to protect my rights.

I expect a written response and correction within the legally required timeframe. Failure to comply may result in additional legal consequences.

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 2025-03-26 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm yo
ur identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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 2025-03-26 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 2025-03-26 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 2025-03-26 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: Bounce AI, Inc.
State: FL

Complaint narrative:
Company Name : Bounce AI , Inc . 
Account Number : XXXX Reference Number : XXXX Complaint Description : I am disputing an alleged debt ( account XXXX ) that Bounce AI, Inc. is reporting to my credit reports with XXXX, XXXX, and XXXX XXXX This debt, originally from XXXX XXXX XXXX, is unvalidated and disputed. I have sent multiple debt validation requests to Bounce AI under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ), with the most recent sent on XX/XX/XXXX, demanding proof of the debts legitimacy, including a signed contract, chain of title, and their authority to collect in XXXX. As of XX/XX/XXXX, XXXX XXXX days since my latest requestBounce AI has not responded to any of my requests or provided validation, violating 15 U.S.C. 1692g ( b ), which prohibits reporting or collecting on a debt until its validated after a dispute. 
Their continued reporting of this unvalidated debt to my credit reports violates the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681s-2 ), which requires accurate reporting. I prohibited credit reporting in my requests, yet they persist, harming my credit. Under XXXX  law ( XXXX XXXX. XXXX ), debt collectors must be licensed, and Bounce AI has not proven their registration ( NMLS ID XXXX ), potentially breaching the Florida Consumer Collection Practices Act ( XXXX ) ( XXXX XXXX. XXXX ). XXXX XXXX XXXX XXXX closure in XX/XX/XXXX, Bounce AIs legal standing to report or collect is doubtful. 
What I Want : I demand that Bounce AI , Inc. immediately remove this unvalidated debt from my credit reports with all credit bureaus ( XXXX, XXXX, XXXX ). I request that the CFPB investigate their FDCPA and FCRA violations, ensure they delete this debt from my credit files due to their failure to respond to multiple validation requests, and confirm their authority to collect in Florida. 

Additional Information : Multiple requests sent ; most recent on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

No response after XXXX days ; debt remains on my credit reports. 


Please enforce my rights and ensure this debt is removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: SC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$39.00} XXXX  - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XX/XX/XXXX - {$30.00} XXXX XXXX XXXX - XX/XX/XXXX - {$270.00} XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX - {$230.00} XXXX XXXX - XXXX - XX/XX/XXXX XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$6700.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX XXXX XX/XX/XXXX - {$780.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX {$200.00} INQUIRIES : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: LA

Complaint narrative:
I have been reviewing my credit report due to a data breach from XXXX, noticed that there where several inquiries on my credit file that I did not authorized .I have reached to all said parties and credit bureaus, but yet know response from anyone .I have also filed a FTC and police report XXXX sent via certified to each credit bureau on XX/XX/year> XXXX but no response as of now.

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 2025-03-26 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:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you, the ( CREDIT BUREAU ) credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 

I am filling this FTC Identity Theft Affidavit to report XXXX Fraudulent account appearing on mu consumer FICO credit report which I do not recognize as reported and which are the results of identity theft and fraud. These fraudulent accounts consist of an Auto Loan opened at XXXX XXXX XXXX on XX/XX/year> under the account number XXXX. This account has resulted in several hard inquires and fraudulent collections appearing on my Experian customer report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 

All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all the forementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Essential Lending Inc
State: TX

Complaint narrative:
I am submitting this complaint against Wise Loan due to multiple violations of the Fair Credit Reporting Act ( FCRA ) related to the reporting of account XXXX on my credit report. Under 15 U.S.C. 1681s-2, you are required to ensure the accuracy and integrity of the information you furnish to consumer reporting agencies. However, you have failed to do so.

I have identified the following FCRA violations in your reporting of this account : Varying high credit amounts The reported high credit fluctuates across different bureaus.

Inconsistent " Date Last Reported '' The date varies across different reports, which suggests inaccurate updating. 

Debt ownership discrepancy A collection agency named " XXXX XXXX '' is claiming ownership of this debt, yet Wise Loan lists " National Debt Holdings '' as the account owner. This contradiction is misleading and violates the accuracy requirement. 

Re-aging of the account The " Date Last Active '' has been changed, which unlawfully extends the reporting period. 

Inconsistent " Date of Last Payment '' Different dates are reported, causing further inaccuracies.

Erroneous payment history The account is incorrectly reported as being 60 days late for four consecutive months, which is not possible under standard reporting guidelines.

Due to these inaccuracies, I am formally requesting the deletion of this account from my credit report. These errors have caused undue harm, and as a consumer, I have the right to seek monetary relief for the damages incurred by your erroneous reporting.

I have attached supporting documentation, including a copy of my credit report highlighting these discrepancies. This complaint serves as a paper trail of my attempt to resolve the matter amicably. Should this issue remain unresolved after 30 days, I will escalate it to my attorney for arbitration or legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: AK

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