vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-03 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Experian charged me {$22.00} for a free upgrade that said it would cost {$0.00}. 
Experian refused to refund the money.

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 2025-04-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: VA

Complaint narrative:
Hunter Warfield placed a collection account on my credit report for an alleged rental debt from a property I moved out of over 18 months ago. I was never contacted by Hunter Warfield prior to this being reported.

I only became aware of this alleged debt through the credit reporting agencies. I have disputed the account with all major bureaus, and Hunter Warfield has not provided any documentation or validation in response.

This debt was reported to my credit without proper notice or legal validation, which violates the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

I am requesting that this account be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: VA

Complaint narrative:
Subject : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) all accounts fraudulent in this complaint be DELETED immediately.

I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by EXPERIAN, Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing.

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked. 

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the credit reporting agency EXPERIAN, block the information appearing in my consumer credit report resulting from identity theft and fraud within 4 business days of receiving this complaint. PLEASE DELETE THIS ACCOUNT IMMEDIATELY.

I do not recognize the accounts mentioned as reported. The accounts mentioned above in my consumer credit report that you maintain were not opened, created, or initiated by me. The accounts mentioned above are the result of identity theft and fraud. 
I did not authorize the sharing of my information nor did I consent to its reporting. I was not provided with adequate information or the option to opt out. Reporting without consent constitutes fraud for the purposes permitted by Title 15, United States Code ( USC ), Section 1981b2. This also violates my privacy rights under Title 15, USC, Section 1681a ( 4 ). These accounts must be immediately blocked or removed from my consumer report, pursuant to FCRA 605b. If any additional documentation is necessary to process my request, please inform me promptly. 
Thank you for your prompt attention to this matter. 

ACCOUNT : 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 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am disputing several charged-off accounts that are being inaccurately reported by the original creditors. These accounts were sold to collection agencies but still show balances, which is misleading and non-compliant with FCRA and Metro 2 standards. I have not received Form 1099-C from any creditor, and my disputes have gone unanswered or unresolved. 

Accounts in question : 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 ( should show transferred/sold ) These accounts should be updated to show {$0.00} balances and proper sold/transferred status or deleted entirely. I request a full investigation and correction.

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 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am disputing several charged-off accounts that are being inaccurately reported by the original creditors. These accounts were sold to collection agencies but still show balances, which is misleading and non-compliant with FCRA and Metro 2 standards. I have not received Form 1099-C from any creditor, and my disputes have gone unanswered or unresolved. 

Accounts in question : 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 ( should show transferred/sold ) These accounts should be updated to show {$0.00} balances and proper sold/transferred status or deleted entirely. I request a full investigation and correction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
This debt is not mine. Nor did I legally sign over my personal information to this debt collector company to have the authority to use my social security number/other personal information and report to credit bureaus. Please remove this collection from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with fraud alerts or security freezes — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Unfair and improper public credit report questions were asked to me. An unlawful credit block incurred on my account. This is due to a XXXX XXXX, at the XXXX XXXX branch XXXX CA. It appears to me that XXXX XXXX mislead me to beleve that he helped me he did not. He actualy set it up to the credit block incur. 
XXXX could this bank treat me in such a way they can not. They do not know me it appears that they are being coached by superiors in the system. And the do not know me as well. It has to be coming from the chain of command. Do it is in my professional opinion that it is the chain of command HOWEVER... 
It is via email or electronic communication w/ the name of a superior but it is not the superior at all rather a shot called by a sophisticated hacker. Overlooked by all involved because unfortunately we trust and believe all on the screen so why question it? It is not therefore the problem commences all that is affected is only me.

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 2025-04-03 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: GA

Complaint narrative:
- These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from my credit 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 explanation
Consumer complaint received 2025-04-03 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: CA

Complaint narrative:
I am disputing several charged-off accounts that are being inaccurately reported by the original creditors. These accounts were sold to collection agencies but still show balances, which is misleading and non-compliant with FCRA and Metro 2 standards. I have not received Form 1099-C from any creditor, and my disputes have gone unanswered or unresolved. 

Accounts in question : 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 ( should show transferred/sold ) These accounts should be updated to show {$0.00} balances and proper sold/transferred status or deleted entirely. I request a full investigation and correction.

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 2025-04-03 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: IL

Complaint narrative:
Re : Dispute of Inaccurate Information in Credit Report Account : XXXX  ( # XXXX ) To Whom It May Concern : I am writing to dispute inaccurate information that appears on my credit report. I have reviewed my credit report and identified the following violations of the Fair Credit Reporting Act ( FCRA ) : 1. **Inconsistent Dispute Status Information ( violation of FCRA 611 ) ** : The Experian report shows " Account not disputed '' while the Equifax report shows " Account disputed '' with " Consumer disputes- reinvestigation in progress. '' These contradictory statuses indicate a failure to properly process and notate my dispute across all credit bureaus. 

2. **Inconsistent Delinquency Reporting ( violation of FCRA 623 ( a ) ( 5 ) ) ** : Experian reports my account as " Late 30 Days '' while Equifax reports it as " Late 120 Days. '' This significant discrepancy in delinquency status violates the requirement for accurate reporting of the delinquency status of accounts. 

3. **Inconsistent Balance Information ( violation of FCRA 607 ( b ) ) ** : - Experian shows Balance Owed as {$120000.00} - Equifax shows Balance Owed as {$120000.00} This inconsistency violates the requirement for accurate reporting. 

4. **Inconsistent Past Due Amounts ( violation of FCRA 607 ( b ) ) ** : - Experian reports Past Due Amount as {$3200.00} - Equifax reports Past Due Amount as {$6000.00} This significant discrepancy suggests a failure to verify accurate information. 

Pursuant to my rights under FCRA 611 ( a ), I request that you conduct a reasonable investigation of these inaccuracies and either verify that the information is accurate or delete the disputed items from my credit report within 30 days. 

Please note that under FCRA 616 and 617, credit reporting agencies may be liable for damages for willful or negligent noncompliance with the FCRA. 

Please send me written confirmation of the results of your investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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 a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please. 
XXXX XXXXXXXX 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 2025-04-03 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: FL

Complaint narrative:
I have attached documentation from the appropriate authorities to support my claims. I would be grateful if you could promptly remove the fraudulent entries from my credit report and take the necessary steps to rectify any inaccuracies or fraudulent activities because I already file a complaint again for these items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
CFPB Complaint Summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Subject : Reporting Unvalidated Collection XXXX Account I am filing a complaint against XXXX XXXX XXXX  for XXXXeporting a collection account on behalf of XXXX  ( Account # XXXX ) on my Experian credit report. 
The collection was opened on XX/XX/XXXX. I was never notified of this debt prior to it being added to my credit file, and I never received any written notice or validation of the debt, which violates the Fair Debt Collection Practices Act ( FDCPA 809 ).

Additionally, the debt has not been substantiated with documentation as required under FCRA 609 ( a ) ( 1 ). 
I am requesting that this collection be removed from my credit report unless proper validation is provided and full compliance with the law is met. 
XXXX XXXX XXXX  Inconsistent Status and Late Payments ( Multiple Accounts ) Subject : Reporting Inaccurate Delinquencies XXXX Accounts I am filing a complaint regarding multiple XXXX XXXX accounts reporting inaccurate or inconsistent information on my Experian credit report : - Account # XXXX shows 4 late payments and a 90-day delinquency. 
- Account # XXXX shows 3 late payments and a 90-day delinquency. 
- Account # XXXX ( closed ) still reports 2 late payments despite being marked Paid, Closed. 
These accounts either do not match my records, have contradictory status reporting ( e.g., paid yet delinquent ), or were resolved but still reflect derogatory marks. 
Under FCRA 611 and 607 ( b ), I request these accounts be investigated and that the late payments and inaccurate statuses be corrected or removed. 
XXXXXXXX XXXX XXXX ( Late Payments Despite Collateral Payout ) Subject : Reporting Inaccurate Late Payments XXXX XXXX I am filing a complaint regarding the XXXX XXXX XXXX account ( Account # XXXX ) that shows XXXX late payments ( 60 and 90 days ) on my Experian report, even though the account was closed in XXXX and marked as Paid from collateral. 
Reporting this account with late payments is misleading given that the balance was settled through collateral. Under FCRA 607 ( b ), information must be reported accurately and fairly. 
I am requesting these late payments be removed or the entry be modified to reflect the correct nature of the payoff.

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 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Williams & Fudge, Inc
State: CA

Complaint narrative:
I have already started payment with original loan and debt collection is threatening me and harassing me with misinformation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: TX

Complaint narrative:
When I checked my credit report today, I was alarmed to see an unauthorized inquiry that I did not recognize. I have no clue why this happened, and despite refreshing my browser to rule out a technical issue, the inquiry did not go away. I am extremely frustrated and demand a thorough review of my submitted documents so this problem is resolved once and for all.

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 2025-04-03 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: FL

Complaint narrative:
I'm contacting you regarding my stolen identity and would appreciate your assistance. Could you kindly remove the specific item and ensure that all other incorrect information is updated promptly? Your quick response would mean a lot to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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: IA

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 2025-04-03 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: MS

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 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 2025-04-03 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: MS

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 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 non-monetary relief
Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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 section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief