vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-12 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Date : XX/XX/XXXX Subject : Request for Deletion of Inaccurate Student Loan Account XXXX To Whom It May Concern, I am writing to request the immediate deletion of a XXXX student loan account from my credit reports with XXXX XXXX and Equifax due to multiple reporting inaccuracies that violate the Fair Credit Reporting Act ( FCRA ). 



Account Information : Creditor : XXXX  Account Number ( partial ) : XXXX * * * * Status : Open Balance : {$3900.00} and {$2400.00} ( reported inconsistently ) Monthly Payment : {$39.00} and {$23.00} ( reported inconsistently ) Inaccuracies Identified : XXXX. Duplicate Account Reporting The same account is being reported twice under the same number with different balances and terms. This falsely inflates my total debt and affects my credit profile. 
XXXX. Conflicting Date of XXXX XXXXXXXX XXXX XXXX XXXX  report XX/XX/XXXX, while Equifax lists XX/XX/XXXX. Only one can be correct, and conflicting data suggests unverifiable reporting. 
XXXX. XXXX XXXX XXXX Equifax incorrectly shows 0 months, while XXXXXXXX XXXX XXXX report 120 months. The loan term must be reported accurately and consistently. 
XXXX. Outdated Dispute Comments My reports still include language such as dispute resolved consumer disagrees. I no longer dispute this account, and these comments must be removed. 
XXXX. Incomplete Payment History Several months of payment history are missing or inconsistently reported, particularly on XXXX 



Resolution Requested : Given the serious and repeated inaccuracies in how this account is being reported, and the inability of the bureaus to provide consistent, verifiable, and accurate data, I am requesting a full deletion of this XXXX account from my credit reports with : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Equifax Inc. 

Please complete your investigation and provide a written response within the XXXX period required by law under the Fair Credit Reporting Act ( FCRA ). 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681 c2 ) that you, the Equifax 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 receiving this complaint. This fraudulent, inaccurate, and false information consist of a personal credit card account opened at XXXX XXXX on XXXX XXXX under the account number ( XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number ( XXXX ) a fraudulent phone XXXX XXXX XXXX XX/XX/XXXX under the account number ( XXXX ) XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX these accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( XXXX ) as proof from the XXXX federal trade commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
On XX/XX/XXXX I asked that no hard inquires be placed on my account from dealership, but they proceeded to run my credit through multiple credit sources which in result left several inquires on my account. I am requesting this be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
On XX/XX/XXXX I asked that no hard inquires be placed on my account from dealership, but they proceeded to run my credit through multiple credit sources which in result left several inquires on my account. I am requesting this be deleted immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate

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 2025-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
today i got a master card from milestone. I call them to see how this happen, they said that the got an application for the card. I never requested this card and they could not tell me who requested the card i told them that i wanted the account closed now { XX/XX/year> XXXX XXXX  }

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I m in disagreement with the account listed below which still appears on my credit report, even after your investigation. 
I would like this item immediately re-investigated. the inaccuracies are highly injurious to my credit score Account ( XXXX  ) ( XXXX ) In accordance with the fair credit reporting act, public law 91-506, title VI section 611, please provide the names and business addresses of each individual with whom you verified the account, so that i may follow up. please send me an updated copy of my credit report after your re-investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I 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 2025-05-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: MO

Complaint narrative:
Loan Provider : XXXX Loan Amount : {$3100.00} Monthly Income at Time of Loan : {$2900.00} Payment Schedule : {$180.00} biweekly Outstanding Balance : {$8200.00} I am filing a formal complaint against XXXX for issuing a predatory and unaffordable loan that has caused significant financial harm. XXXX approved me for a high-interest loan of {$3100.00}, despite my income being only {$2900.00} per month. The required payments of {$180.00} every XXXX weeks represented a large and unreasonable portion of my income, making it impossible to repay without falling behind on basic living expenses. 

The current balance has ballooned to {$8200.00}, which is over 2.5 times what I originally borrowed. This is the result of an exploitative lending structure that took advantage of my financial vulnerability. XXXX failed to properly assess my ability to repay the loan, in violation of responsible lending standards and potentially in breach of federal and state consumer protection laws. 

As a result of this loan, my credit has been negatively impacted, making it even harder to recover financially or access fair credit in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
b'On XXXX XXXX Wells Fargo contacted my spouse XXXX XXXX to inform us of fraudulent activity on our account.  We informed them we did not authorize or approve of any transactions on the XXXX  card XXXX XXXX XXXX XXXX  After going to the branch we were informed of a transfer to our joint account in the amount of 15,000.00. We informed the branch representative this was a fraudulent transaction and filed a claim with the fraud division of Wells Fargo. We were informed approximately 1 week later that the claim was denied because we did not have a police report, which we were not told to get from the branch representative. My spouse filed a report (XXXX) with the XXXX police department and turned it into the branch on XXXX XXXX After turning the report in we were still denied claim.  We have tried to appeal this to Wells Fargo and they will not tell us the reasoning for the decision and will not provide us with the suspicious activity report. \nThey will not inform us of how the Visa transaction was put into our joint account, also this card was not linked to our joint account.  Wells Fargo has yet to inform me of why transactions were on the joint account, and till this day they have not contacted me (XXXX XXXX ) of any information pertaining to this fraudulent activity.'

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 2025-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: LJ Ross Associates
State: GA

Complaint narrative:
This company is breaking the law by failing to provide proper validation details as required under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Despite this, they've added a collection to my credit report. 

I've already tried to resolve these issues directly with them, but they continue to violate my rights. For each violation listed, I am entitled to {$1000.00}. They must either compensate me or remove these accounts immediately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I am filing this complaint under the Fair Credit Reporting Act ( FCRA ) due to the willful noncompliance of the credit bureaus and data furnishers in properly investigating my disputes, as required under 15 U.S.C 1681 and 15 U.S.C. 1681s-2 ( b ). Despite my repeated submissions of disputes containing sufficient documentation to demonstrate inaccuracies, the credit bureaus have failed to conduct a reasonable reinvestigation and have continued to report incorrect information on my credit report. Furthermore, the data furnishers have rejected their legal obligation to investigate the disputed information when notified by the credit bureaus. This failure to upload their responsibilities under the FCRA constitutes a violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PNC Bank N.A.
State: MO

Complaint narrative:
The lender, PNC, processed my loan pay off amount from a bank account not associated with my loan payments. I had to contact them about repeatedly to try and have the error corrected. Once fixed, they want to bill me additional interest due to their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-05-12 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: MA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind 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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this complaint due to the continued and unlawful reporting of inaccurate, incomplete, and unverifiable information on my consumer credit report by Equifax. 
Despite multiple prior disputes and the submission of verified documentationincluding an FTC Identity Theft Reportthis company has failed to conduct a lawful reinvestigation or correct/remove the disputed items in violation of federal law. Violations Involved : - FCRA 1681i failure to properly investigate disputed information within 30 days. - FCRA 1681s- 2 ( a ) continued reporting of information known or reasonably known to be inaccurate. - Regulation V ( 12 CFR 1022.43 ) failure by furnisher to comply with direct dispute obligations. This behavior is nearly identical to the misconduct referenced in prior CFPB complaints such as : - CFPB Complaint # XXXX resulted in non-monetary relief and correction of identity theft-related errors. - CFPB Complaint # XXXX resulted in successful removal of unverifiable accounts data following a formal dispute. Consumer Harm and Requested Relief : As a direct result of this companys ongoing violations, I have suffered : - Inaccurate credit reporting affecting creditworthiness and financial opportunities. 
- Emotional distress and unnecessary time and effort to correct this issue. - Denials or unfavorable terms for financial products due to incorrect reporting. 
XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BEACON FINANCIAL CORPORATION
State: NY

Complaint narrative:
They opened me the wrong product I chose the checking XXXX with a contactless debit card to tap and pay go this card they sent is XXXX  and doesnt have this feature as advertised online its supposed to be XXXX  and contactless

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 2025-05-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/year> Debt Collectors Name : NCB Management Service XXXX XXXX XXXX XXXX, PA XXXX Subject XXXX Request for Debt Validation Pursuant to the FDCPA To Whom It May Concern, I am writing to request validation of the debt referenced in your recent communication. Please note this is not a refusal to pay but a request for verification under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

In accordance with my rights, I request that you provide the following : 1. The amount of the alleged debt ; 2. The name of the original creditor ; 3. A copy of the original agreement or contract that verifies my responsibility for the debt ; 4. A detailed accounting of how the amount was calculated ; 5. Proof that you are authorized to collect this debt on behalf of the original creditor ; 6. Proof that the statute of limitations has not expired on this debt ; 7. The date of the last payment or account activity ; 8. Documentation showing your license to collect debt in my state, if required.

Until this debt is properly validated, I request that all collection activities cease, including reporting to credit bureaus, contacting me by phone, or pursuing legal action.

Please respond in writing within 30 days of receiving this letter. If you do not provide adequate validation, I will consider the matter resolved and request you cease further contact. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation