vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have sent multiple letters requesting the deletion or removal of the Bankruptcy information listed on my credit report. The last letters where sent XX/XX/year>. In Summary the letters stated " I am deeply disturbed by your ability to undermine my confidence in the banking system. The banking system is dependent upon fair and accurate consumer reporting, pursuant to 15USC1681 ( a ) ( 1 ). I noticed accounts that are on my consumer report ; List Accounts and XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ''. A consumer reporting agency may furnish a consumer report under the following circumstances and no other with the written instruction to whom it relates.

You have defamed my character, my reputation, my worthiness, my standing, my capacity, and my mode of living.

All of these violations are a direct violation of 15USC1681. No consent is identity theft and these violations are Aggravated Identity theft, pursuant to 18USC1028b ( 1 ) ( A ) ( ii ) .I am demanded to see in writing where I gave written instruction or permission to report this erroneous information on my Consumer Report. 
I did not provide any written instructions to report this information, and no consent is present. Ive also filed an FTC report for FTC Report 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 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have sent multiple letters requesting the deletion or removal of the Bankruptcy information listed on my credit report. The last letters where sent XX/XX/year>. In Summary the letters stated " I am deeply disturbed by your ability to undermine my confidence in the banking system. The banking system is dependent upon fair and accurate consumer reporting, pursuant to 15USC1681 ( a ) ( 1 ). I noticed accounts that are on my consumer report ; List Accounts and XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ''. A consumer reporting agency may furnish a consumer report under the following circumstances and no other with the written instruction to whom it relates.

You have defamed my character, my reputation, my worthiness, my standing, my capacity, and my mode of living.

All of these violations are a direct violation of 15USC1681. No consent is identity theft and these violations are Aggravated Identity theft, pursuant to 18USC1028b ( 1 ) ( A ) ( ii ) .I am demanded to see in writing where I gave written instruction or permission to report this erroneous information on my Consumer Report. 
I did not provide any written instructions to report this information, and no consent is present. Ive also filed an FTC report for FTC Report XXXX : XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XX/XX/year> a fraudulent transaction was made on my debit card for {$1100.00} to XXXX XXXX Auctioneers. I noticed this transaction thru rocket money the following day when they sent me an email. I immediately called Wells Fargo to report this fraudulent transaction. They informed me that their system had flagged it already as fraud. I asked that a reverse transaction be made to put my money back in my account. As of today Wells Fargo has yet to honor thier fraud policy on unauthorized transactions. And XXXX XXXX has yet to return the money from the fraudulent transaction.

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 2025-02-21 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 have not supplied proof under the doctrine of estoppel by the silence XXXX. v XXXX XXXX XXXX XXXX XXXX XXXX XXXX thay no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). Ally Financial balance {$29000.00}, XXXX XXXX Balance {$1100.00}, XXXX XXXX {$580.00}, XXXX XXXX XXXX XXXX Balance {$2300.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 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: CA

Complaint narrative:
SPECIAL PRIVATE PRIORITY Violation of Privacy, Inaccurate Reporting, and Unlawful Administration of a Trust I, XXXX XXXX : XXXX, a Private American, held in trust under the Full Faith and Credit of the United States, submit this complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX for their injurious actions in administering a name held in trust without proper authority, lawful notice, or consent. 

Nature of the Injury : These entities have unlawfully reported XXXX charge-off accounts, which must be corrected to reflect " Paid as Agreed '' due to : Breach of Duty : No verified proof of contract has been provided, showing that any obligation exists between the Principal and these entities. 

Violation of the Right to Privacy : Under the Constitution and the Privacy Act, no express, implied, verbal, or non-verbal consent has been given for these entities or credit reporting agencies to furnish, maintain, or process this information.

Unlawful Assumption of Administration : It appears these corporations are attempting to administer the name held in trust, without full disclosure and in violation of contractual equity and public law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) : Under established case law, all XXXX currency is null and void. Thus, any assertion of an outstanding obligation based on such an exchange lacks lawful standing. 
XXXX XXXX : Immediate correction of these accounts to reflect " Paid as Agreed '' or full removal from all consumer reporting agencies.

Proof of Contract : A verified copy of the original contract showing that the Principal knowingly and lawfully agreed to act as surety. 

Cease & Desist Further Reporting : Any continued reporting, assumption of consent, or attempts to enforce an obligation without verifiable proof shall be deemed willful misrepresentation and injurious. 

Notice of Opt-Out : If consent is presumed in this matter, let this serve as a formal, written Opt-Out Notice, reaffirming that these entities lack standing to furnish or process my private information. Failure to act immediately will be escalated to further administrative remedy. 

I demand a full investigation and correction of this matter in accordance with equity, constitutional protections, and consumer financial laws. 

Sincerely, XXXX XXXX : XXXX Without Prejudice All Rights Reserved

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
SPECIAL PRIVATE PRIORITY Violation of Privacy, Inaccurate Reporting, and Unlawful Administration of a Trust I, XXXX XXXX : XXXX, a Private American, held in trust under the Full Faith and Credit of the United States, submit this complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX for their injurious actions in administering a name held in trust without proper authority, lawful notice, or consent. 

Nature of the Injury : These entities have unlawfully reported XXXX charge-off accounts, which must be corrected to reflect " Paid as Agreed '' due to : Breach of Duty : No verified proof of contract has been provided, showing that any obligation exists between the Principal and these entities. 

Violation of the Right to Privacy : Under the Constitution and the Privacy Act, no express, implied, verbal, or non-verbal consent has been given for these entities or credit reporting agencies to furnish, maintain, or process this information.

Unlawful Assumption of Administration : It appears these corporations are attempting to administer the name held in trust, without full disclosure and in violation of contractual equity and public law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) : Under established case law, all XXXX currency is null and void. Thus, any assertion of an outstanding obligation based on such an exchange lacks lawful standing. 
XXXX XXXX : Immediate correction of these accounts to reflect " Paid as Agreed '' or full removal from all consumer reporting agencies.

Proof of Contract : A verified copy of the original contract showing that the Principal knowingly and lawfully agreed to act as surety. 

Cease & Desist Further Reporting : Any continued reporting, assumption of consent, or attempts to enforce an obligation without verifiable proof shall be deemed willful misrepresentation and injurious. 

Notice of Opt-Out : If consent is presumed in this matter, let this serve as a formal, written Opt-Out Notice, reaffirming that these entities lack standing to furnish or process my private information. Failure to act immediately will be escalated to further administrative remedy. 

I demand a full investigation and correction of this matter in accordance with equity, constitutional protections, and consumer financial laws. 

Sincerely, XXXX XXXX : XXXX Without Prejudice All Rights Reserved

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 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
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 explanation
Consumer complaint received 2025-02-21 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: CA

Complaint narrative:
I am writing to dispute incorrect information listed on my credit report, which I believe to be inaccurate and damaging to my credit standing. After reviewing my credit report, I noticed discrepancies that are clearly not reflective of my financial activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: IL

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 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 request the immediate removal and blocking of unauthorized accounts from my credit report. These accounts were not initiated or authorized by me, and I am unaware of their source. Per USC 1681g, I formally ask for their deletion within 15 days. Relevant documents are attached for your review.

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 2025-02-21 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am disputing the inaccuracies on my credit report as they are having a direct negative impact on my financial standing and creditworthiness. Despite several attempts to resolve these issues, the same errors keep resurfacing on my report. These recurring mistakes are not only hurting my credit score but also hindering my ability to obtain financial opportunities. It is crucial that these inaccuracies be thoroughly investigated and corrected without delay. 


If these issues are not resolved in a timely manner, I will be pursuing legal action for any potential damages caused, including compensation for violations under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 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: TX

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-02-21 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: NV

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions. Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I have marked inaccurate. None of which have the full account numbers listed in my report. 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 XXXXXXXX

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 2025-02-21 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nelnet, Inc.
State: MN

Complaint narrative:
Nelnet is obligated to contact borrowers when Nelnet is going to consider their account delinquent. Nelnet did not contact me that they were going to consider their account loans with them delinquent. The Nelnet rep confirmed a notice was sent on XX/XX/XXXX that the loans would be considered delinquent. That is considerably after the 90 days they were considered delinquent. This failure prevented me from knowing my options to keep my account out of delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: HOPE BANCORP, INC.
State: NY

Complaint narrative:
I applied to open a new checking account on XX/XX/year> and received a confirmation email that I would receive an update within XXXX business days. I have called multiple numbers numerous times, and they just tell me to keep waiting. It's been XXXX weeks at this point, and they're just holding onto all my info/details with seemingly no intention of updating me. There was a promotion for opening the account when I did, and I seems to me that they are trying to avoid honoring that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: SOFI TECHNOLOGIES, INC.
State: IN

Complaint narrative:
SoFi Account number - CHECKING XXXX Routing number - XXXX XX/XX/year> Deposit : XXXX XXXX XXXX XXXX XXXX Checking - XXXX Transfers {$5000.00} XX/XX/year> Deposit : Account Fund from XXXX Checking - XXXX Other {$500.00} I suffered " Bait and Switch '' Tried to close the account ; SoFi has it locked I'm hearing impaired and covered under the American Disability Act All internet communications with SoFi have a response of asking me to call XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: FL

Complaint narrative:
XXXX.I was in contact with the agency regarding settling my debt for a reduced amount of {$1000.00} on XX/XX/2025. They verbally agreed to the settlement. However, they refused to provide written confirmation of the settlement terms. 
XXXX.Despite my requests, the agency refused to send a written settlement agreement that would confirm : The debt would be marked as paid in full or settled with a {$0.00} balance. 
No further collection efforts would be made, and the remaining balance would not be sold to another collector. 
XXXX. I have also asked for written confirmation that this agreement would be reported as resolved on my credit report, but they have not complied.

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